Recent talks about potential XRP value have emerged from Grok, an xAI’s Chatbot, arguing for an impossible theoretical value of $30,000 per coin if the system were meant to serve $30 trillion in daily transactions, taking this out of the SWIFT world”s interbank transaction volumes by far. Furthermore, this story”s possibility is irresistible but immensely unrealistic based on the present setup.

Transaction Velocity and Supply Impact Price Estimates

The Quantity Theory of Money, as it concerns transaction volume, money supply, and velocity, underlies the calculations by Grok. In the view of an Earth where 1 billion XRP is more actively used, having daily transactions for as many as 30 days (30 transactions) in a month, Grok calculated an apparently astronomical price of $30,000 per XRP. However, if that velocity went up to twice in a day, the forecast price would then fall to $15,000, whereas it would crash to $6,000 with five, ten transactions a day.

Changing the circulation also has an incredibly unfavorable impact on the valuation: in case of 50 billion XRP circulating with the previous speed of 30 transactions per month, an estimated $600 per coin would be available. Doubling the speed to 60 transactions a month decreases the price estimate further to $300.

Realistic Growth Hinges on Adoption, Not Speculation

While it is exciting to forecast prices based on a theoretical point of view-that is, based on real-world adoption patterns and regulatory clarity-it is the latter that carry the real value prospect. Institutional integrations, more presence in cross-border transactions, and obtaining banking partnerships are among the main drivers of sustainable growth. Above all, XRP now stands at almost $2.12, with volume down 0,76% on the day and 9,93% on the week.

So, it appears that the idea of Ripple processing $30 trillion each day, while intriguing fiction, for real would need adoption and practical open market use cases through which to graduate XRP to sustained highs.