In a striking statement that has ignited conversation across the cryptocurrency space, market analyst Versan Alajjarah claims that the future price of XRP has already been locked in by major financial institutions—long before retail investors ever had a chance to participate.
This bold theory comes at a time when XRP price remains stagnant despite Ripple achieving significant milestones, including its partial legal victory against the U.S. Securities and Exchange Commission (SEC) and continued expansion of its global payments network. Alajjarah, founder of Swan Capital, recently doubled down on his long-standing assertion in a post titled “XRP Price Already Set: What Global Institutions Know,” drawing parallels between XRP’s current trajectory and traditional pre-IPO equity pricing.
“The price of XRP has already been determined,” Alajjarah stated—a belief he has held since 2022.
According to his analysis, just as institutional investors negotiate share valuations during private placements before a company goes public, global financial powerhouses such as central banks, JP Morgan, BlackRock, and even the IMF may have already agreed upon a strategic value for XRP behind closed doors.
👉 Discover how institutional adoption could reshape digital asset values in 2025.
The Dual-Price Theory: Institutional vs. Retail Markets
Alajjarah introduces a compelling framework: two separate realities for XRP’s valuation.
- Institutional Price: A privately negotiated value used for cross-border settlements, financial infrastructure integration, and blockchain interoperability among global banks.
- Retail Price: The publicly traded market rate, influenced by speculation, sentiment, and short-term trading dynamics.
He argues that while retail traders focus on candlestick patterns and social media hype, large-scale financial entities are operating under a different set of rules—one rooted in stability, scalability, and long-term utility.
“XRP is being adopted by the world’s largest financial players behind closed doors, and they have already agreed on a price for the technology’s use in their financial systems,” Alajjarah explained.
His evidence lies in Ripple’s growing footprint with central banks through projects like the Bank of Thailand’s Project Inthanon, the Central Bank of Nigeria’s eNaira pilot, and partnerships with institutions across the Middle East and Asia. These integrations suggest that XRP or Ripple’s underlying technology is not just theoretical—it’s actively being stress-tested in real-world financial systems.
Why Stability Matters: The Case for a Higher Institutional Floor
One of Alajjarah’s most persuasive points centers on practicality. For XRP to function effectively in multi-billion-dollar transactions, it must offer price stability and confidence.
“Central banks and large financial institutions aren’t going to transact in XRP at 50 cents. They need stability and confidence in the price when using XRP for large-scale settlements.”
He emphasizes that volatile assets are impractical for institutional use. Therefore, any serious adoption requires a much higher baseline valuation—one that reflects trust, liquidity, and macroeconomic relevance.
While he doesn’t disclose the exact figure, Alajjarah hints that the institutional price could reach “three to four-digit ranges,” enabling seamless integration into trillion-dollar financial flows. This would position XRP not merely as a speculative token but as a foundational layer in next-generation global finance.
Market Reactions: Skepticism Meets Validation
Not everyone is convinced.
Cryptocurrency commentator Jason Vonhunk pushed back sharply, arguing that a triple-digit XRP valuation is implausible:
“It will never be triple digits. Ever. $100 = $10 trillion market cap. That’s Bitcoin’s entire global market cap, six times.”
His concern hinges on market capitalization math: at 100 billion XRP in circulation, a $100 price implies a $10 trillion market cap—far exceeding even Bitcoin’s peak valuation.
However, supporters of Alajjarah’s view point to precedents in traditional finance. One user noted:
“Having done an IPO and capital raises on the stock market, this is the long-term reality, eventually.”
They argue that private agreements often precede public awareness—especially in sectors undergoing digital transformation.
Ripple IPO Speculation: Catalyst or Distraction?
Adding fuel to the fire, Ripple CEO Brad Garlinghouse recently confirmed that an IPO is “possible, but not a priority.” While no official timeline exists, rumors suggest a potential listing by the end of 2025 could accelerate institutional interest.
An IPO would bring Ripple under greater regulatory scrutiny but also unlock new avenues for legitimacy and capital inflow. For XRP holders, this presents both opportunity and uncertainty.
On one hand, going public could validate Ripple’s business model, attract traditional investors, and catalyze broader adoption of XRP in banking ecosystems. On the other hand, it might lead to short-term volatility or even token dilution concerns if new shares compete with existing crypto holdings.
👉 See how upcoming fintech developments could impact digital asset performance this year.
Core Keywords & Strategic Integration
Throughout this discussion, several core keywords emerge naturally:
- XRP price
- Ripple
- institutional adoption
- cryptocurrency
- digital asset
- financial institutions
- market cap
- blockchain technology
These terms reflect user search intent around price prediction, investment potential, and macro-level adoption trends—making them essential for SEO visibility without compromising readability.
Frequently Asked Questions (FAQ)
Q: Is there proof that institutions have already set XRP’s price?
A: There is no public documentation confirming this claim. However, Ripple’s partnerships with central banks and financial institutions suggest behind-the-scenes coordination on technical implementation—which may include valuation frameworks.
Q: Can XRP realistically reach $100 or more?
A: At current circulation levels, $100 per XRP would imply a $10 trillion market cap—significantly higher than any existing asset. While theoretically possible in a fully digitized global economy, such a scenario would require unprecedented adoption and macroeconomic shifts.
Q: How does Ripple’s potential IPO affect XRP?
A: An IPO could boost credibility and attract institutional capital to Ripple Inc., but it doesn’t directly increase XRP’s supply or utility. The impact on XRP price would depend on investor perception and post-IPO strategy.
Q: Why do institutions need a different XRP price than retail markets?
A: Large-scale financial operations require predictable costs and minimal volatility. A stable internal valuation allows institutions to plan settlements without exposure to speculative swings.
Q: Has Alajjarah made accurate predictions before?
A: While some of his earlier insights aligned with Ripple’s institutional traction, specific price forecasts remain unverified. As with all market commentary, his views should be considered part of a broader analytical landscape.
Q: Could regulatory clarity improve XRP’s outlook?
A: Yes. The partial SEC ruling in favor of Ripple strengthened XRP’s standing as a non-security in certain contexts. Further clarity could open doors to wider exchange listings and institutional investment.
👉 Explore how regulatory evolution is shaping the future of digital assets today.
Final Thoughts: A Shift Toward Institutional Realism
Whether or not Alajjarah’s theory holds water, it underscores a growing trend: the future of digital assets may be decided not by retail traders on social media, but by boardroom discussions in central banks and multinational firms.
As blockchain technology integrates deeper into global finance, understanding the distinction between public perception and private strategy becomes crucial for informed investing.
For those tracking XRP price, the lesson is clear—look beyond charts. Watch partnerships, policy shifts, and institutional behavior. Because the real game might already be underway—just not where most people are looking.