Mr. BarriC: If XRP Becomes a Global Settlement Asset, It "Must" Become Extremely Expensive — Up to $50,000 Predicted

Summary of the thesis: Mr. BarriC, a prominent crypto commentator, argues that if Company Ripple’s XRP is adopted as a core settlement and liquidity tool by banks and financial institutions worldwide, its unit price would need to rise dramatically to enable efficient fractionalization and distribution. This piece examines his logic, supporting arguments from Mr. David Schwartz (Company Ripple CTO), and the main counterarguments about market cap and valuation mechanics.

Mr. BarriC's core claim: In public posts Mr. BarriC states that if "every bank and financial institution around the world adopts and utilises $XRP," then XRP "will have to be extremely expensive" so it can be fractionalized and allocated across institutions. He projects potential price targets including $1,000, $10,000, and even $50,000 per XRP under a scenario of near-universal institutional settlement use.

Why he ties price to utility: Mr. BarriC frames XRP less as a speculative token and more as settlement infrastructure. In his view, a low unit price would make on-chain settlement at global scale impractical because transaction and accounting mechanics across thousands of institutions would demand token values that minimize token movement and preserve precision through fractional units. He suggests that higher per-unit prices combined with fractionalization could reduce gross token flows while still enabling enormous liquidity throughput.

Supporting commentary: This architecture echoes prior public remarks by Mr. David Schwartz, Company Ripple CTO, who has argued that XRP cannot remain cheap if it is to function at the scale required for global cross-border payments. For readers who want to follow updates, the original article was published by Company Times Tabloid, and social media references point to X, Facebook, Telegram and Google News.

Market cap and structural criticism: Many analysts reject extreme numeric outcomes. Critics note that a $10,000-per-XRP scenario implies a total valuation that exceeds many current global financial market measures, and therefore seems to break conventional market-cap-driven valuation logic. They argue that liquidity can be scaled by velocity and settlement mechanics rather than by multiplying unit price. Voices criticizing aggressive forecasts have called out pundits for relying on hypotheticals that ignore supply, on-chain liquidity, and macro constraints.

Counter-counterargument from liquidity mechanics: Supporters of Mr. BarriC's thesis respond that equity-style market-cap comparisons misapply to settlement-layer liquidity. They emphasize that global cross-border flows are measured in trillions daily, and if XRP were to capture a material portion of settlement flows even intermittently, price appreciation may become a functional engineering requirement rather than merely speculative. Under that view, a higher per-unit price reduces the number of tokens required per transaction, simplifying reserve accounting and improving settlement efficiency across jurisdictions.

Practical and speculative gaps: The scenario requires near-universal institutional trust, regulatory clarity, and technical integration across correspondent networks. It also presumes that institutions would prefer a crypto-denominated reserve instrument over existing fiat-based mechanisms. Absent these changes, such high price outcomes remain theoretical and hinge on structural transformation of the global financial plumbing.

Editor’s takeaway: This debate highlights a key tension in crypto valuation: whether a token’s long-term price is defined by speculative demand or by an engineered role as rail infrastructure. Mr. BarriC’s aggressive price targets are useful as a thought experiment that stresses-test assumptions about liquidity, fractionalization, and settlement design. Critics correctly warn about simplistic market-cap extrapolations. Investors and observers should treat these forecasts as conceptual scenarios rather than concrete price predictions.

Disclaimer: This article is informational and not financial advice. The views summarized here include individual opinions and do not necessarily reflect the position of Company Times Tabloid. Conduct thorough research and consider risk tolerance before making investment decisions.