XRP（XRP）价格预测：到2030年的目标$ 18,000

特朗普总统大选胜利后，XRP普莱斯（XRP Price）达到了新的高点，重新测试了其3.41美元的历史高点。

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.

加密货币的投机性质可能令人震惊，从某种意义上说，它可以使“任何事物都是公平的游戏”的个体化。这些分析可以在受到尊重或嘲笑之间划线。

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，将100,000美元比特币（BTC）价格的想法视为荒谬，以至于著名的经济学家犯下了冒犯，并谴责了这种陈述的想法。在这种情况下，比特币当然会笑出来。

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.

现在，在2025年，同样的乐观情绪在另一个凶猛忠诚的社区内流动 - XRP（XRP）军队。特朗普总统大选胜利后，XRP普莱斯（XRP Price）达到了新的高点，重新测试了其3.41美元的历史高点。在美国证券交易委员会（SEC）在Ripple的脖子上呼吸四年后，臭名昭著的证券案仍在等待解决方案。

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.

由于XRP升级为新的历史高潮，甚至在过去三个月中，甚至“ $ XRP至$ 100”或“ $ XRP至$ 1,000”等更大的预测淹没了社交媒体平台。但是，一份独特的研究报告将这些预测带到了新的高点，分析师预测XRP的目标价为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”的一个月，这是一份名为“确定XRP公平市场价值的综合方法”的估值白皮书，由Valhill Capital发布。

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.

白皮书是由多位作者和演示者撰写的，提出了五种评估模型，以评估XRP的长期价格，“ XRP评估模型＃4”是基于代币实用程序和未来全球采用的最理想的前景。

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:

利用折现现金流（DCF）方法，基本的假设是，波纹在未来10年内将处理全球交易的大部分，为XRP Ledger（XRPL）产生费用，并可能使全球财富的大部分财富具有大量的代价，同时替代了像Swift这样的传统汇款系统。根据以下数据进行估值分析：

Base Global Transaction Volume: $104 Trillion

基础全球交易量：104万亿美元

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

经济增长率（超过10年，2023 - 2032年）：2％

Applied Discount Rate: 10%

应用折现率：10％

Total Transaction Present Value: $915 Trillion

总交易现值：91.5万亿美元

XRP Circulating Supply: $50.7 billion

XRP循环供应：507亿美元

Price per XRP: $18,036

每XRP价格：$ 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军队的理想世界中，XRP Ledger成为全球金融汇款体系的基石，社区将拥有与任何独立国家进行交战的财富。

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

在2025年以面值为单位，Cointelegraph分析了预期的采用率是否如预期的。

Fact-checking XRP rumors and reality

事实检查XRP谣言和现实

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，尚无任何权威来源的官方确认，即XRP已由美国银行完全纳入跨境支付或内部交易。

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

尽管有关社交媒体的报道和谣言否则没有其他银行公开宣布将XRP集成为交易目的。

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，加密新闻媒体和经济学家的报告表示，PNC银行和美国银行是与Ripplenet合作的金融机构之一。

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.

关于美国银行（BOFA），一个在X上病毒的剪辑包括Sound Planning Group首席执行官David Stryzewski指出，金融机构已经使用Ripplenet和XRP进行了两年的“ 100％内部交易”。但是，数据的不一致是坦率的。

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.

银行规模的金融机构进行的每日平均内部交易约为1.2至150万。自2018年以来，XRPL在任意两年内一直没有管理该规模的交易运营。

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还提到，XRP是SEC于2020年12月22日对Ripple提起诉讼之前的第二大加密货币资产。XRP上一次基于市场资本化的XRP超过以太坊（ETH），这是在2019年1月的，即SEC撞上了门前的两年。

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.

另一个限制XRP开发的投机性质的事件是富国银行的费用。据称，2024年8月，富国银行（Wells Fargo）批准了使用XRP解决信用卡和贷款付款的批准，经过认证的财务计划师Rick Lange广泛地谈到了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，富国银行（Wells Fargo）员工Vittorio Dibenedetto于2025年1月发表评论，说：“这不是真的。我为富国银行（Wells Fargo）工作，我们没有使用任何加密货币进行付款处理。”