Is Ripple (XRP) Undervalued? Two Arguments to Consider (Opinion)

crypthub

2 days ago

XRP Market Position

XRP ranks third among non‑stablecoin cryptocurrencies by market‑cap weight. Launched in June 2012, Ripple created the network to enable fast, large‑scale cross‑border payments for banks and corporations. By 2018 it became a popular altcoin, briefly inflating its founder’s paper wealth.

Growth Potential

To match Bitcoin’s peak $2.5 trillion market cap, XRP would need about a 20× (1,900 %) rise. While such a jump is improbable, a modest increase could still add considerable value if its addressable market grows. The comparison highlights XRP’s upside relative to its current size.

SWIFT Competition

Ripple’s On‑Demand Liquidity settled $1.3 trillion in Q2 2025, targeting $5.2 trillion annually. Analysts project XRP could seize 14 % of the $150 trillion SWIFT market by 2030. Market pricing, however, has not yet reflected this potential.

Smart Contract Expansion

The XRP Ledger now supports programmable smart contracts, opening new developer use cases. If it rivals Ethereum’s $375 billion market cap, XRP could gain up to $500 billion. Growing activity suggests additional upside beyond payments.