Can XRP really soar to $100 without the backing of major banks? At first glance, it sounds impossible. For years, Ripple’s story has been tied to its role as a banking solution, a faster and cheaper alternative to SWIFT.
But one analyst, Matthew Perry, answered yes, and his reasoning might surprise you. Perry argues that even if banks say no to Ripple’s rails, XRP still has a path forward and a bold price future
Matthew Perry has become a familiar voice in the XRP community. In his view, too much emphasis has been placed on whether major banks like Santander or PNC will fully adopt Ripple technology.
He points out that banks are slow-moving giants that could easily say no, choosing instead to maintain their old systems or explore central bank digital currencies. That scenario might sound like a setback, yet Perry insists XRP is not tied to Wall Street approval. Instead, its strength lies in how ordinary people and businesses can use it directly.
This shift in perspective changes the way investors look at the XRP price. Rather than seeing Ripple as a tool waiting for banks to open the door, Perry sees it as a network that can thrive independently.
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The Ripple Idea Beyond Banks
Ripple was originally pitched as a replacement for SWIFT, the decades-old messaging system used in global payments. That pitch focused on banks as the core customer. Yet XRP offers much more when looked at from another angle.
Perry compares it to skipping the line at a crowded airport. XRP lets users send money directly, without waiting for banks. Transfers are fast and cheap. Freelancers, small businesses, and families sending money abroad save time and fees. That’s why XRP is popular in places like the Philippines, Mexico, and Nigeria.
The Ripple price, in Perry’s argument, could rise not because of bank deals but because millions of people find XRP practical in everyday transactions.
How XRP Price Could Climb Without Bank Support
So what does this mean for the XRP price outlook? Perry suggests that utility, not bank approval, will drive growth. He notes that remittance markets are worth over $800 billion a year and ripe for disruption.
Even a modest share of that flow would create steady demand for XRP.
On top of that, new internet-based economies streaming, gaming, and even machine-to-machine payments require fast and inexpensive transactions. XRP’s low fees and high throughput make it a contender.
Perry points out that if Bitcoin has its Lightning Network and Ethereum has stablecoins, XRP has the efficiency to be a serious alternative.
This vision sets the stage for bold targets like $10, $50, or even $100 per token. Perry is not promising timelines or guarantees, but he emphasizes that XRP’s ceiling is not limited to what banks decide.
Ripple Price Feels Different This Time
What makes Perry’s take stand out is how it flips the story. Ripple is no longer waiting at the doorstep of traditional finance. Instead, XRP can carve its own path as a people’s rail for money. It is a shift from dependency to independence.
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This reminds some observers of how Solana grew in the early days not by chasing partnerships with legacy finance, but by proving itself useful in new, digital-native markets. If XRP follows a similar path, the Ripple price narrative could break free from the shadows of bank acceptance.
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