XRP’s Financial Revolution May Hit Before $10K—Here’s Why

Forget waiting for moonshot price targets—XRP could reshape your portfolio long before it touches five figures. One angel investor’s bold claim cuts through the usual crypto hype.

Why the early impact? Ripple’s rails already move billions globally, bypassing traditional banking bottlenecks. The real transformation isn’t in speculative price charts—it’s in the plumbing.

Wall Street’s still charging $30 for slow transfers? XRP settles cross-border payments in seconds for pennies. The tech’s here—banks just haven’t caught up yet.

Of course, finance incumbents will lobby against it. They always do when someone threatens their 3-martini-lunch margins.

Emphasis On ROI

Based on reports, Pantoja noted that wanting XRP at $10,000 is unrealistic. He said you can get the same gains without waiting for that sky-high price. For example, Bitcoin would need to hit over $300,000 to triple your stake if you bought it at today’s levels.

But XRP only needs to reach about $8 from its current trading price NEAR $2.30 to yield the same ROI. That’s a big gap. If you bought XRP at $2.30, a move to $8 feels more achievable—for some, at least.

While Bitcoin’s market cap towers over others, XRP’s total value is around 7% of that of Bitcoin’s. This smaller size means it could swing more on positive news.

Should I sell all my $XRP for $BTC Just got back from #bitcoinconference2025 pic.twitter.com/CobVAasjbC

— Armando Pantoja (@_TallGuyTycoon) May 30, 2025

Comparing Market Caps And Gains

Bitcoin recently touched a new all-time high near $112,000. Meanwhile, XRP held around $2.30 in value. Investors pointed to this gap as proof that XRP had no momentum.

But Pantoja reminded his audience that XRP climbed over 300% over the past year, while bitcoin rose by 50% over the same period. Those figures show that past performance for XRP has outpaced Bitcoin’s in percentage terms. This is based on reports that track prices from June last year to now.

Still, the wider market’s focus tends to follow Bitcoin’s chart. When BTC booms, altcoins often run too. But sometimes they trail behind or fall back harder.

Based on reports around its network, XRP stands out for speed and cost. It can settle a payment in a matter of seconds and handle up to 1,500 transactions per second. That’s fast, especially when compared to the SWIFT network used by banks.

Fees are low enough that moving funds across borders can cost mere pennies. Pantoja said this real-world utility is more valuable than hype.

He urged investors to think about banks or money-service companies adopting XRP for cross-border transfers. Such adoption could drive demand more than price rumors ever will.

Meanwhile, investors shouldn’t ignore risks. XRP still faces a legal fight with the US Securities and Exchange Commission. That uncertainty has made many traders wary. Bigger players in finance tend to wait until the case wraps up before making big moves.

Featured image from Unsplash, chart from TradingView