Ripple CEO's Final Call: Why $3.45 is Just the Starting Line for XRP?

Key Takeaways

• The $3.45 price target is a conservative estimate based on capturing 14% of the SWIFT market.
• Judicial validation (XRP is not a security) is the key business enabler for institutional adoption.
• XRP's value is now driven by verified cross-border utility, cementing its role as digital infrastructure.

The XRP market is currently focused on a critical technical juncture. Following a period of sharp volatility, the token has demonstrated strong resilience after bottoming out and is now in a clear recovery phase. The market capitalization stands at $15.89 Billion on Oct. 27, reflecting a renewed investor interest.

This latest technical bounce aligns perfectly with the strategic ambitions of Ripple CEO Brad Garlinghouse. His $3.45 price target is not based on speculation, but on the token's fundamental value proposition: to disrupt the global SWIFT payment system.

This article is going to analyze how this technical floor reinforces the strategic case for XRP, arguing that the token's legal clarity in the US and huge market potential make the $3.45 target maybe just the starting line.

How Ripple CEO's Comments Drive XRP Momentum?

The recent technical rebound in XRP is being structurally reinforced by concrete corporate strategy from the top. When Ripple CEO Brad Garlinghouse sets a high price target, the market treats it as a signal backed by institutional action.

Ripple Prime: The Institutional Catalyst

Ripple's expanding institutional strategy provides a strong fundamental tailwind. The company recently finalized the acquisition of Hidden Road, rebranding it to “Ripple Prime.” This is a critical move: it positions Ripple as the first crypto company to operate a global, multi-asset prime broker, directly competing for institutional clients.

Core Integration: Ripple explicitly stated that its foundational digital asset infrastructure (payments, custody, stablecoins) and the use of XRP will complement the services offered within Ripple Prime. CEO Garlinghouse emphasized that "XRP sits at the center of everything Ripple does," linking the token's success directly to the growth of this new prime brokerage.

Corporate Commitment and Market Conviction

This strong business action is amplified by significant financial commitment and market momentum:

• The $1 Billion Treasury Plan: Ripple announced its intention to buy $1 billion in XRP tokens for a new treasury (under the ticker “XRPN”) on the Nasdaq. This monumental commitment proves that the company has every financial incentive to drive the token's success, as it stands to benefit the most from a higher valuation.
• Analyst Endorsements: Expert traders immediately linked the Hidden Road deal to major upside, noting that the acquisition positions XRP at the "center of institutional adoption." This consensus validates Garlinghouse’s strategy and provides fundamental belief for the token's momentum.

Macro Strategy: The Structural Case for Undervaluation

The belief that XRP’s price is heading for $3.45 and beyond is rooted in a fundamental structural case: its ability to capture a critical portion of the global payments system. This vision moves far beyond crypto speculation.

The Trillion-Dollar Prize: Unlocking the SWIFT Market

The belief in XRP’s price trajectory is anchored in the structural reality of the global payments market. Ripple’s strategic target is the multi-trillion-dollar SWIFT network, a legacy system characterized by high friction and sluggish settlement times.

The valuation is built upon the technological superiority of the XRP Ledger (XRPL). While traditional cross-border payments via SWIFT can take days and incur significant intermediary fees, the XRPL offers:

• Near-Instant Settlement: Transaction finality in just 3 to 5 seconds.
• Minimal Cost: Fees that are a fraction of a cent, eliminating the high costs of legacy correspondent banking.

This efficiency positions the XRPL as the inevitable technological successor to legacy banking infrastructure, making the current system's inefficiency its ultimate business opportunity. CEO Garlinghouse has quantified this immense potential, projecting that XRP has the capacity to eventually displace up to 14% of SWIFT's transaction volume over the next five years. This structural reality ensures that the $3.45 price target is a conservative estimate based on utility, not speculation.

Legal Clarity in the US: The Ultimate Business Enabler

The final structural piece enabling this multi-trillion-dollar strategy is the legal certainty provided by the courts. The resolution of the SEC lawsuit was the single most crucial factor for Ripple. The ruling that XRP is not a security when sold on public exchanges provided the necessary legal shield that institutions demand.This legal clarity acts as the ultimate business enabler, giving banks and partners the confidence to aggressively pursue partnerships and integrate with the XRP Ledger. It is this judicial validation, confirmed by the elimination of the major legal risk, that finally opens the door to the massive, untapped SWIFT market. Without this legal foundation, the multi-trillion-dollar opportunity would remain permanently locked away.

Conclusion

The volatility that has historically characterized the XRP market remains a real and persistent risk. However, this fundamental risk must be weighed against the asset's powerful structural advantages. The final verdict of the SEC lawsuit, combined with its utility in remittances, confirms a critical reality for the entire crypto market: legal clarity is the new cornerstone of value.

XRP's current market momentum is a direct structural response to its unique position. The asset has secured a sustainable competitive advantage by proving its viability as a reliable, fast digital payment infrastructure. While short-term volatility will inevitably persist, the long-term trend confirms that utility, backed by judicial validation, provides a strong foundation against the extreme uncertainty of market speculation.

Cwallet: Your All-in-One Gateway to the Digital Economy

Cwallet is more than a crypto wallet; it's a complete ecosystem designed to make crypto trading accessible, intuitive, and rewarding. We've redefined what a wallet can be, transforming it into your ultimate hub for everything from securing your assets to exploring market opportunities.

Move beyond simple storage. Cwallet unlocks the power of smarter crypto trading right from your pocket. With features like Trend Trade and Market Battle, we empower both new and experienced users to engage with the markets in dynamic ways. Dive into the action with real-time trading across 1,000+ cryptocurrencies and 60+ blockchains, all while maintaining full control of your assets. It’s the simplicity of a crypto app combined with the power of a pro-level trading platform.

We're building the bridge between the digital economy and your daily life. Cwallet seamlessly integrates essential crypto services, allowing you to easily store, swap, and earn from your digital assets. Looking ahead, our commitment to real-world utility continues with upcoming features like the Cozy Card, mobile top-ups, and gift cards.

Cwallet makes crypto not just a technology for the future, but a practical tool for today!

Official Link

Official Site: https://cwallet.com

Twitter: https://twitter.com/CwalletOfficial

Disclaimer

This content is strictly for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice, nor is it an offer or solicitation to buy, sell, or hold any digital asset.

Crypto assets involve high volatility and risks, and their value can fluctuate greatly. Readers must be aware of and adhere to the relevant local laws and regulations concerning digital assets in their specific jurisdiction, as product availability may vary.

All investment decisions must be based on your own research (DYOR) and risk assessment. Some content herein may be generated or assisted by artificial intelligence (AI) tools. The author and platform assume no liability for investment losses.