Finance Strategist: How XRP Will Reach a Very High Price. Here’s the Math

When a digital asset designed for global settlement plugs into the world’s financial plumbing, its value dynamics shift entirely. The token in question here is XRP, and the analysis comes courtesy of Versan Aljarrah, founder of Black Swan Capitalist. Below, we unpack his thesis, explore the math, and assess realism.

XRP’s Divisibility and Token Architecture

XRP’s native ledger, the XRP Ledger, is built to handle extremely fine units. Each XRP can be divided into 1,000,000 “drops”, making a drop equal to 0.000001 XRP. This unit-granularity ensures usability whether one XRP trades at $0.50 or $50,000.

It also means that even if XRP’s price climbs, transactions remain practical because they execute in drops.

What stands out in Aljarrah’s interpretation is that this design isn’t just for convenience. It is a scaling anchor: as XRP’s nominal price rises, the drop unit allows settlement of large value-flows without altering token count. In effect, the network’s architecture supports high value per token and high precision per transaction.

XRP Supply Logic and Scarcity

XRP was minted with a maximum supply of 100 billion XRP, a figure chosen deliberately. According to lead architect David Schwartz, the number satisfies technical limits (64-bit integer handling), divisibility needs, and human-readability.

Upward price pressure becomes a function of how much value each unit can represent, because the supply is fixed and cannot be increased. In Aljarrah’s view, if XRP is to function as a bridge asset in global settlement, each token must capture vast value streams.

Liquidity Efficiency in Global Settlement

One of the core arguments Aljarrah puts forward is that a higher per‐token price enhances liquidity efficiency. Imagine a settlement corridor of US$1 billion. If one XRP trades at US$1, you need 1 billion XRP units to settle.

But if XRP trades at $10,000 each, you only need 100,000 XRP units. The fewer tokens moving for a given value, the lower the potential slippage and the tighter the settlement efficiency – critical for institutional payment corridors and central‐bank infrastructure.

In this framing, a higher price per unit becomes a utility, not a liability. It allows the system to transact large volumes with fewer tokens and better precision. Fractionalization (via drops) keeps usability intact across the range.

Mathematical Equilibrium: Value & Velocity

Aljarrah frames the valuation of XRP not in speculative terms but in terms of network utility. In his thesis, the value of each token equals the total value moved through the token divided by the circulating tokens and divided by the frequency of movement (velocity).

If the circulating supply is limited and the value flowing through the network rises massively, then the price per token must rise. Put simply: scarcity × value flow = higher price per unit.

When you combine fixed supply, high–precision fractional units, and vast global settlement demand, the arithmetic supports very high per‐token values.

Practical Realities and Caveats

This narrative is powerful, yet it hinges on the realization of several conditions. First, institutions must adopt XRP in settlement corridors at a meaningful scale. Second, liquidity infrastructure, regulatory clarity, and integration into banks’ rails must be achieved.

Third, the circulating supply must remain constrained and not flood with sell-side pressure. Aljarrah’s model does not assume retail hype alone but institutional adoption. Without such adoption, the upside narrative is theoretical.

From Token to Instrument

In this analysis, XRP’s high relative price is not irrational or detached from utility. It is a consequence of its architecture, role, and tokenomics. According to Versan Aljarrah, when an asset’s value is defined by how much it moves rather than how many people buy it, you arrive at a paradigm where high nominal prices become logical.

XRP’s divisibility ensures usability at any valuation. Its fixed supply enforces scarcity. Its settlement design demands high-value throughput. And together, the math supports an outcome where the per-token price can reach very high levels if adoption and infrastructure follow.

In short: XRP’s path to a very high price is grounded in ledger engineering, macro settlement demand, and token-supply mechanics. For those reading beyond speculative headlines, the logic is coherent—and the numbers, not sentiment, form the foundation.