XRP可以達到驚人的價值18000美元的預測。這一預測在加密社區中產生了與懷疑論一樣多的熱情，值得進行徹底的檢查。

該文件由幾位財務專家準備，介紹了五種不同的估值模型，以估算XRP的未來價格。

A collective of financial analysts specializing in cryptocurrencies has published a study suggesting that XRP could reach the astounding value of $18,000. This prediction, which generates as much enthusiasm as skepticism within the crypto community, deserves a thorough examination.

一批專門從事加密貨幣的財務分析師的集合發表了一項研究，表明XRP可以達到18,000美元的驚人價值。這一預測在加密社區中產生了與懷疑論一樣多的熱情，值得進行徹底的檢查。

A report predicts an XRP at $18,000

報告預測XRP為$ 18,000

In June 2023, a month before the historic ruling by Judge Analisa Torres declaring that XRP was not a security, Valhill Capital released a white paper titled “A comprehensive approach to determining the fair market value of XRP.”

2023年6月，即Analisa Torres法官宣布XRP不是安全的一個月前一個月，Valhill Capital發布了一份題為“確定XRP公平市場價值的全面方法”的白皮書。

This document, prepared by several financial experts, presents five different valuation models to estimate XRP’s future price. Among these models, the “XRP Valuation Model No. 4” stands out particularly for its extreme optimism, suggesting a potential price of $18,036 per token.

該文件由幾位財務專家準備，介紹了五種不同的估值模型，以估算XRP的未來價格。在這些模型中，“ XRP評估模型4”特別出於極大的樂觀而脫穎而出，這表明每個令牌的潛在價格為18,036美元。

This analysis rests on the assumption that Ripple, the company behind XRP, would manage a substantial share of global financial transactions over the next decade.

該分析基於以下假設：XRP背後的公司將在未來十年內管理全球金融交易的大量份額。

The model uses the discounted cash flow (DCF) method and relies on several ambitious parameters: an estimated baseline global transaction volume of $104 trillion, a 2% economic growth rate over ten years (2023-2032), and a discount rate of 10%.

該模型使用折現現金流（DCF）方法並依賴幾個雄心勃勃的參數：估計的基準全球交易量為104萬億美元，經濟增長率為十年（2023-2032），折現率為10％。

In this ideal scenario, the XRP Ledger (XRPL) would gradually replace traditional systems like SWIFT, thus becoming the backbone of international money transfers.

在這種理想的情況下，XRP Ledger（XRPL）將逐漸取代Swift等傳統系統，從而成為國際貨幣轉移的骨幹。

The model calculates a total current value of transactions of $915 trillion, which, distributed over a circulating supply of 50.7 billion XRP, leads to this estimate of $18,036 per token.

該模型計算了915萬億美元的交易總價值，該交易在507億XRP的循環供應中分佈，這一估計值為每種令牌18,036美元。

The reality of the market against optimistic forecasts

市場反對樂觀預測的現實

Since the electoral victory of Donald Trump, the price of XRP has seen a significant increase, approaching its all-time high of $3.41. This progression has fueled overflowing optimism within the investor community, with increasingly ambitious predictions circulating on social media over the last three months, ranging from $100 to $1,000 per token.

自唐納德·特朗普（Donald Trump）的選舉勝利以來，XRP的價格已經大幅提高，其歷史最高點為3.41美元。這種進步促進了投資者社區中充滿樂觀的興趣，在過去三個月中，社交媒體在社交媒體上散發的預測越來越雄心勃勃，每個代幣的範圍從100美元到1,000美元不等。

However, upon closer examination of the conditions necessary for such a value explosion, it is clear that the current reality is quite different from the projections. As of February 28, 2025, there is no official confirmation to assert that XRP has been fully integrated by a major U.S. bank for cross-border payments or internal transactions.

但是，在仔細研究這種價值爆炸所需的條件後，很明顯，當前的現實與預測完全不同。截至2025年2月28日，尚無官方確認聲稱XRP已由美國主要銀行完全集成，用於跨境支付或內部交易。

While RippleNet, Ripple’s payment network, maintains connections with several large American financial institutions such as JPMorgan Chase or Wells Fargo, only PNC Bank and Bank of America have established verifiable partnerships.

Ripplenet（Ripple的支付網絡）保持著與摩根大通（JPMorgan Chase）或富國銀行（Wells Fargo）等幾家大型美國金融機構的聯繫，但只有PNC銀行和美國銀行建立了可驗證的合作夥伴關係。

Conflicting information is also circulating. A viral clip shows David Stryzewski, CEO of Sound Planning Group, stating that Bank of America has used RippleNet and XRP for “100% of its internal transactions” for two years.

相互矛盾的信息也在流通。一個病毒式剪輯顯示，聲音規劃小組首席執行官David Stryzewski指出，美國銀行使用Ripplenet和XRP進行了兩年的“ 100％內部交易”。

However, this statement is questioned by XRP ledger transaction statistics, which do not show a volume corresponding to the 1.2 to 1.5 million daily transactions that an institution of this size would conduct.

但是，該聲明受到XRP Ledger交易統計數據的質疑，該統計量沒有顯示與此規模機構進行的每日交易相對應的捲。

Similarly, Vittorio DiBenedetto, an employee of Wells Fargo, has categorically denied rumors regarding the adoption of XRP by his bank, labeling this information as “fake news.”

同樣，富國銀行的員工Vittorio Dibenedetto明確否認了有關其銀行採用XRP的謠言，將此信息標記為“假新聞”。

The future of XRP, between legitimate hopes and necessary realism

XRP的未來，合法的希望與必要的現實主義之間

If XRP has indeed seen notable progress over the past twelve months, particularly following the filing of several spot ETF applications for XRP by various fund managers in February 2025, the reality of its adoption remains well below the projections put forward in the Valhill Capital white paper.

如果XRP在過去的十二個月中確實看到了顯著的進展，尤其是在2025年2月向各種基金經理提交了XRP的幾個位置ETF申請之後，其採用的現實仍遠低於Valhill Capital White Paper提出的預測。

For XRP to reach a value of $18,000 by 2030, RippleNet and its native token would need to become the dominant system for global value transfers, replacing financial infrastructures established for decades.

為了使XRP到2030年達到18,000美元的價值，Ripplenet及其本地令牌將需要成為全球價值轉移的主要係統，以取代數十年來建立的金融基礎設施。

Although Ripple’s technological innovation presents undeniable advantages in terms of transaction speed and cost, the probability of such a radical transformation of the global financial system within such a short timeframe remains, according to experts, “infinitesimal.” Will XRP eventually dethrone Bitcoin? This scenario seems more like fantasy than reality.

儘管Ripple的技術創新在交易速度和成本方面具有不可否認的優勢，但根據專家“ InfiticeSimal”的說法，在如此短的時間範圍內，全球金融體系進行這種根本性轉變的可能性仍然存在。 XRP最終會撤銷比特幣嗎？這種情況似乎更像是幻想而不是現實。

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