Ripple XRP: What you need to KNOW!

Here’s your answer you’ve all been waiting for...

It seems the main argument against XRP going up to amounts like $100 is that the market cap would have to increase to TRILLIONS to achieve that. Whilst it makes sense to think like this, it is totally incorrect.

Crytos are not inherently like stocks. In the stock market we quote the market cap daily, a very important figure. However the distinction between the two are ALL stocks in a company are OWNED.

Apple is worth 877.40 BILLION @$170 a share. EVERY SHARE OF THAT COMPANY IS ALREADY BOUGHT BY SOMEONE. There isn't XX amount of shares just hanging about waiting for someone to buy, you must buy from someone who already owns the share and that is how the market cap is formed.

Crytos are not all OWNED, they have not all been bought. XRP hardly has anything in circulation right now. Even bitcoin, would have a market cap of maybe $30 billion max in the right context since a vast majority of the coins have not been sold, and yet they are still being accounted for in the market cap.

I feel no one in the cryto world seems to understand this and I face palm daily reading posts about market cap in the crypto world. This is why XRP reaching $100 is not a dream, its a reality which can happen within 2 years if the plan is successful. First, what is the definition of Market Cap? It's: (number of coins) TIMES (current price per coin)

What does this all mean for market cap?

Who gives a damn what 100 billion total coins TIMES 20 cents equals, it's meaningless. The value of XRP only depends on the market penetration and the number of coins that can be utilized. That's it. The meaningful calculation for coin cap valuation can only be 5 billion * 20 cents = $1 billion dollars (again, plug in your own numbers), a far cry from the insane $9 billion bloated figure everyone is using.

Now that we've eliminated the gross exaggeration of XRP market cap, the even trickier part becomes determining market penetration maximums. It's easy to say, well, SWIFT transfers trillions of dollars per year. So what! It's completely irrelevant what happens over a year. What is relevant is how much money is in transit at any given point in time. Let's say $500 million for fun. That means if SWIFT was replaced with XRP, then at any given moment, $500 million worth of XRP would be in use. This would add further demand on the 5 billion utilized coins, so add $500 million DIVIDED BY 5 billion utilized coins = 10 cents to XRP's value, for a total of 30 cents. Not what you were hoping for? But wait, there's more...

Replacing SWIFT in my mind, is a credibility strategy by Ripple, not necessarily its golden egg. Once XRP gets this exposure, it will have its foot in the door and XRP will rapidly cascade into literally every other use case (of which there are infinite) that money itself currently faciilties, and at the same time radically accelerating each of those paradigms, and creating so many new ones we have yet to conceive because old-fashioned money couldn't support new ideas. Let's look at a few others:

RETAIL: Who wouldn't want to aim their smartphone camera at an on-screen QR code at the cash register, and then be done. No more credit cards, no more remembering dozens of PINs and passwords, no more trying to re-activate your credit card from suspected fraudulent activity because the banks are knee-jerking at your irregular purchase of a smoothie. To hell with banks. Click, done. Gazillions of dollars. This is a much larger market than SWIFT in my opinion, solely based on the frequency of transactions that will require much more overall XRP to be in flight at any given moment. VISA, the writing is on the wall buddy...

ADOPTION: Imagine when people, businesses, governments even, stop always converting back to fiat and just staying in XRP. This becomes the 'currency flight' turning point, and valuation will go into the hundreds to billions (DIVIDED by the number of utilized coins). Multiple dollars per coin. EDIT: a lot of people misunderstand this statement as replacing fiat altogether, that's not where I was going with it. It just means they are increasingly using it, and it just makes sense to hang onto XRP instead of quickly in-and-out

LENDING: Here's where solid figures go out the door. With solid reserve lending laws already in place, and if adoption is widespread, more and more XRP will be needed, and that need magnified by the banks tendency to lend wealth they don't actually have (mortgages? CDOs anyone?).

INVESTING: If you think lending is big, how about the huge margin investing that we've seen in investment firms. It get's maniacal

EMERGING COMMERCE: Micropayments, robotic payments, and completely unknown revenue streams that couldn't exist without XRP, much like Uber couldn't exist without smartphones.

SPECULATION: Riding on top of it all, there are people that understand the above, and will be in early, and accordingly the price will ride the speculative bubble before these ideas are set in stone, so theoretically, the price of XRP will perpetually be artificially inflated in anticipation of its eventual justification as the new markets embrace it.

Suffice it to say, that the demand for XRP can easily eek into the trillions, even quadrillions, which DIVIDED by 5 billion, is many thousands of dollars per XRP.

However dreamy and seemingly impossible these figures appear, that my friends is the potential market for XRP, beyond comprehension. So take your market cap and toss it in the garbage where it belongs. Will it hit any of these values? Who knows.. but what's important to recognize is that XRP doesn't answer to stupidity like: A TIMES B EQUALS Maximum, nor does it answer to Bitcoin, or SWIFT, or even the entire wealth of the world; it makes its own value.

You’re Welcome📈🚀