XRP（XRP）價格預測：到2030年的目標$ 18,000

特朗普總統大選勝利後，XRP普萊斯（XRP Price）達到了新的高點，重新測試了其3.41美元的歷史高點。

The speculative nature of cryptocurrencies can be astounding, and in a way, it personifies the idea that “anything is fair game” when it comes to valuation. These analyses can thread a thin line between being respectable or ridiculed.

加密貨幣的投機性質可能令人震驚，從某種意義上說，它可以使“任何事物都是公平的遊戲”的個體化。這些分析可以在受到尊重或嘲笑之間劃線。

For instance, in 2018-2019, tossing the idea of a $100,000 Bitcoin (BTC) price was considered so absurd that renowned economists took offense and condemned the mere thoughts of such statements. Bitcoin certainly got the last laugh in that case.

例如，在2018 - 2019年，將100,000美元比特幣（BTC）價格的想法視為荒謬，以至於著名的經濟學家犯下了冒犯，並譴責了這種陳述的想法。在這種情況下，比特幣當然會笑出來。

Now, in 2025, the same optimism is flowing within another ferociously loyal community—the XRP (XRP) army. After President Trump’s election victory, XRP price reached new highs, re-testing its all-time high of $3.41. After four years of the U.S. Securities and Exchange Commission (SEC) breathing down on Ripple’s neck, the infamous securities case still awaits a resolution.

現在，在2025年，同樣的樂觀情緒在另一個兇猛忠誠的社區內流動 - XRP（XRP）軍隊。特朗普總統大選勝利後，XRP普萊斯（XRP Price）達到了新的高點，重新測試了其3.41美元的歷史高點。在美國證券交易委員會（SEC）在Ripple的脖子上呼吸四年後，臭名昭著的證券案仍在等待解決方案。

As a result of XRP rallying to new all-time highs, even larger predictions like “$XRP to $100” or “$XRP to $1,000” have flooded social media platforms over the past three months. However, one unique research report takes the predictions to new highs, with the analyst forecasting an $18,000 price target for XRP.

由於XRP升級為新的歷史高潮，甚至在過去三個月中，甚至“ $ XRP至$ 100”或“ $ XRP至$ 1,000”等更大的預測淹沒了社交媒體平台。但是，一份獨特的研究報告將這些預測帶到了新的高點，分析師預測XRP的目標價為18,000美元。

XRP to $18,000?

XRP至$ 18,000？

In June 2023, a month before Judge Analisa Torres declared XRP a "security," a valuation white paper named "A Comprehensive Approach To Determine The Fair Market Value Of XRP" was released by Valhill Capital.

2023年6月，即Analisa Torres法官宣布XRP A“安全性”的一個月，這是一份名為“確定XRP公平市場價值的綜合方法”的估值白皮書，由Valhill Capital發布。

The white paper, which was written by multiple authors and presenters, presented five valuation models to evaluate XRP’s long-term price, with "XRP Valuation Model #4" being the most ideal outlook based on token utility and future global adoption.

白皮書是由多位作者和演示者撰寫的，提出了五種評估模型，以評估XRP的長期價格，“ XRP評估模型＃4”是基於代幣實用程序和未來全球採用的最理想的前景。

Utilizing the Discounted Cash Flow (DCF) approach, the basic assumption taken was that Ripple would handle a large portion of global transactions in the next 10 years, generating fees on the XRP Ledger (XRPL) and possibly tokenizing a substantial portion of global wealth, while replacing traditional remittance systems like SWIFT. The valuation analysis was carried out based on the following data:

利用折現現金流（DCF）方法，基本的假設是，波紋在未來10年內將處理全球交易的大部分，為XRP Ledger（XRPL）產生費用，並可能使全球財富的大部分財富具有大量的代價，同時替代了像Swift這樣的傳統匯款系統。根據以下數據進行估值分析：

Base Global Transaction Volume: $104 Trillion

基礎全球交易量：104萬億美元

Economic Growth Rate (Over 10 years, 2023-2032): 2%

經濟增長率（超過10年，2023 - 2032年）：2％

Applied Discount Rate: 10%

應用折現率：10％

Total Transaction Present Value: $915 Trillion

總交易現值：91.5萬億美元

XRP Circulating Supply: $50.7 billion

XRP循環供應：507億美元

Price per XRP: $18,036

每XRP價格：$ 18,036

In a perfect world for Ripple Labs and the XRP army, where the XRP ledger becomes the bedrock of the global financial remittance system, the community would have the wealth to go to war with any independent nation.

在Ripple Labs和XRP軍隊的理想世界中，XRP Ledger成為全球金融匯款體系的基石，社區將擁有與任何獨立國家進行交戰的財富。

Taking the model at face value in 2025, Cointelegraph analyzed if the expected adoption rate is progressing as predicted.

在2025年以面值為單位，Cointelegraph分析了預期的採用率是否如預期的。

Fact-checking XRP rumors and reality

事實檢查XRP謠言和現實

As of February 28, 2025, there is no official confirmation from any authoritative source that XRP has been fully incorporated by a U.S. bank for cross-border payments or internal transactions.

截至2025年2月28日，尚無任何權威來源的官方確認，即XRP已由美國銀行完全納入跨境支付或內部交易。

While reports and rumors on social media claim otherwise, no U.S. bank has publicly announced integrating XRP for transactional purposes.

儘管有關社交媒體的報導和謠言否則沒有其他銀行公開宣布將XRP集成為交易目的。

On the other hand, reports by crypto news outlets and economists have stated that PNC Bank and Bank of America are among the financial institutions that partnered with RippleNet.

另一方面，加密新聞媒體和經濟學家的報告表示，PNC銀行和美國銀行是與Ripplenet合作的金融機構之一。

Regarding Bank of America (BofA), one clip that went viral on X includes Sound Planning Group CEO David Stryzewski stating that the financial institution has been utilizing RippleNet and XRP for "100% of its internal transactions" for two years. However, the inconsistency in data is bluntly evident.

關於美國銀行（BOFA），一個在X上病毒的剪輯包括Sound Planning Group首席執行官David Stryzewski指出，金融機構已經使用Ripplenet和XRP進行了兩年的“ 100％內部交易”。但是，數據的不一致是坦率的。

The average daily internal transactions carried out by a financial institution of BofA size are around 1.2 to 1.5 million. XRPL has not managed transactional operations of that size for any two years since 2018.

銀行規模的金融機構進行的每日平均內部交易約為1.2至150萬。自2018年以來，XRPL在任意兩年內一直沒有管理該規模的交易運營。

Stryzewkski also mentioned that XRP was the second-largest crypto asset before the SEC filed its case against Ripple on December 22, 2020. The last time XRP was above Ethereum (ETH) based on market capitalization was in January 2019, almost two years before the SEC knocked on the door.

Stryzewkski還提到，XRP是SEC於2020年12月22日對Ripple提起訴訟之前的第二大加密貨幣資產。XRP上一次基於市場資本化的XRP超過以太坊（ETH），這是在2019年1月的，即SEC撞上了門前的兩年。

Another incident that caps off the speculative nature of XRP developments stems at Wells Fargo's expense. In August 2024, Wells Fargo allegedly approved using XRP for settling credit card and loan payments, which Rick Lange, a certified financial planner, extensively spoke about on LinkedIn.

另一個限制XRP開發的投機性質的事件是富國銀行的費用。據稱，2024年8月，富國銀行（Wells Fargo）批准了使用XRP解決信用卡和貸款付款的批准，經過認證的財務計劃師Rick Lange廣泛地談到了LinkedIn。

However, Wells Fargo employee Vittorio DiBenedetto left a comment in January 2025, stating, "It's not true. I work for Wells Fargo, and we're not using any cryptocurrency for payment processing."

但是，富國銀行（Wells Fargo）員工Vittorio Dibenedetto於2025年1月發表評論，說：“這不是真的。我為富國銀行（Wells Fargo）工作，我們沒有使用任何加密貨幣進行付款處理。”