Confronting $10 XRP FUD

本站收录: 2026-05-22

[00:00:00]Now, I may not have a PhD next to my name, and I am going to admit to the whole world here that yes, I did have to take advanced algebra a second time. I think I got a D on it the first time, so I wasn't paying attention. Might have been focused on some other things.

[00:00:17]But in today's video, we are going to show you how the math is mathing on a $10 XRP potential. We're going to confront some XRP FUD headon. And I just want to say thank you to our community because I wouldn't have seen this and been able to make this piece of content without you guys commenting, hitting me up on Twitter and saying, "Hey, check out this video. Zach, what are your thoughts on this?" I always lean into this. If you can't handle people pushing back, trying to poke holes in your argument or thesis, how strong is your position? And so, I appreciate your feedback. I appreciate your comments.

[00:00:52]And I want to hear from you guys. What do you think of this guy's content? And then what do you think of my rebuttal where we're going to show you that the math is math and you don't have to have a PhD to see it or understand it. And in fact, that's why we put out the content that we do every day to simplify these ideas and make it easy for everybody to understand their investments in XRP in the digital asset space. Let's get right on into it. Now, it's all love from me as we confront the FUD from Dana Love.

[00:01:21]This guy who I had never seen before.

[00:01:23]Bunch of people had tagged me in this content and asked for my thoughts and so I appreciate you guys for bringing this uh conversation up. This is going to be very easy and simple for us to address.

[00:01:36]Everybody's predicting $10 XRP using the same three numbers. None of them hold up. And problem number one, he says, is the volume. Most XRP exchange volume is fabricated. The demand signal powering every $10 model, it isn't real. I agree.

[00:01:52]I agree that a lot of the volume on centralized exchanges is faked and spoofed. We've seen this come out in a couple lawsuits. We're very aware of this, but volume is not the metric that we're paying attention to. It's inflows, right? Because the volume doesn't even need to be that great. We just need to have aggressive inflows coming in to push and bid up the price of XRP. Now, we probably haven't made Dana Love aware of the market cap multiplier for XRP.

[00:02:25]And so, I hope that he goes and watches some of my content or at least looks through some of the posts that I've put out on X on this matter. You guys that have been watching my content, you know that we've broken down the market cap multiplier for XRP many times, and it's very dramatic. And what it shows us is that it takes very little liquidity or inflows coming in to push up the XRP price or market cap substantially. So if you just go to my account on X and you search multiplier, you'll see all these posts. Look at this. XRP market cap multiplier update 8 hour period today from 4 a.m. Eastern to noon Eastern.

[00:03:06]7.74 billion XRP market cap growth. Did it take 7 billion in inflows? Did it take 7 or 10 billion in volume? No, it only took 12.87 million. Once again, this is only 12 million of net inflows.

[00:03:26]So, this accounts for all the selling too, right? This is inflows, outflows.

[00:03:30]What's the net? It was only 12 million of inflows to get 7 billion of market cap growth. That's a 601x market cap multiplier. Let's look at this example. We actually have two examples. One period right here.

[00:03:48]5 million of net flows grows XRP's market cap by 2.79 billion. That's a 544x market cap multiplier. Our next period of time, 6.3 million net flow grows XRP's market cap by 4.38 billion. This is a 695x market cap multiplier. Once again, I don't have the volume on those days in front of me, but I can tell you that it was not, you know, uh, tens and tens of billions of volume to get that jump in the market cap, to get that jump in price. In fact, what I can show you and what I did show you guys and we continue to show you guys repeatedly is that literally 5 to 10 million coming into XRP aggressively can bid up the price so quickly that we see the market cap growing by a factor of 500x, 600x, 800x.

[00:04:42]And this is happening time and time again. This is not anomalies. This is not oneoffs. In fact, I took this snapshot from the entire month of November. XRP November market cap multiplier 50x.

[00:04:57]So this is over a one-mon period where we had a change in market cap of 41 billion off of only 88 million of net inflows. So in this example over a one-mon period the market cap multiplier is 50.

[00:05:13]So, you know, we have snapshots of a few hours, of eight hours, of a full month.

[00:05:18]And the lowest market cap multiplier that we have during any one of those periods is 50 all the way up to 500.

[00:05:25]It's a big range, but it shows you that when the buyers and the inflows come in aggressively, they are bidding that price up and market cap, which is just a vanity metric, giving you a snapshot in time of the value of any given asset, right? There is no cap. There is no limit. And volume is definitely not a metric that's going to limit how quickly and how high XRP can go. Now, obviously, we need that volume. And you know, volume is going to bring in more liquidity and bring in more inflows, but we do not need to see like obnoxious amounts of volume to get XRP price to jump substantially. So volume, yeah, we want to see more, but more importantly, we're paying attention to inflows. And here's where we get to addressing problem number two from Dana Love, the supply math. He's worried about the 50 billion plus circulating supply. And he's comparing it, of course, to the Bitcoin hard cap of 21 million. That's a 200 to1 ratio working against the scarcity argument. At current burn rates, XRP reaches Bitcoin level scarcity in approximately 10,000 years. That's irrelevant. It's just irrelevant. Okay? because we're this isn't a question of uh scarcity relative to Bitcoin. It's a question of scarcity relative to the amount of money that's going to come into XRP. And what I'm getting at the specific metric is the available float.

[00:06:59]See the 50 billion circulating number that he throws out there. It's actually not uh it's actually larger. It's actually 60 billion uh 61 billion I think on Coin Market Cap. But the problem with this is that there's way less XRP available for us to actually buy. So when the available float is actually probably less than 5 billion, we're talking about way less tokens and way more scarcity than what you see on paper when you look at Coin Market Cap at 61 billion circulating supply. We don't have 61 billion available to buy.

[00:07:35]It's not available anywhere. Not even close.

[00:07:39]And in fact, if you look at the most re there's been some conversations about this recently, what's the available supply of XRP on the exchanges and the estimates are anywhere between 15 and 20 billion. This guy right here, he grabbed a snapshot here. I'm not going to try to like fact check this data point. There's there's a lot of assumptions, but the general consensus is that there's about 15 to 20 billion held on exchanges. Once again, just because it's on an exchange though doesn't mean that it's available for sale. I have plenty of XRP on some exchanges that is not for sale. Not at 5, 10, 20, or $50. You're not getting it from me ever probably because, you know, and and and so the available float is the number that we need to look at. The circulating supply of 60 billion. Yeah, I could understand, you know, when you compare it to Bitcoin, it's not as scarce. Sure, you're stating the obvious. And in this as far as XRP appreciating to $10, it's not relevant.

[00:08:39]What's relevant is the available float.

[00:08:42]And it's not 50 billion, it's not 20 billion, it's not 10 billion. You guys can let me know in the comments down below. Is it a, you know, 5 billion, a billion? How much XRP is actually available out there?

[00:08:55]And the other thing that Dana Love skips over in his argument is the fact that Ripple's only selling the escrow that they have to institutional partners. So the XRP that's being sold by Ripple, that big escrow where you could say, "Well, that's going to become available.

[00:09:10]That's going to be sold off." Yeah, but it's not sold off to Joe Blow Retail. It barely even gets sold off to exchanges.

[00:09:18]In fact, it's primarily just been going to institutional partners that want XRP and the XRP ETFs where it's also getting locked up.

[00:09:27]And as we talk about in our content with the XRP DeFi that's set to explode in 2025, XRP yield and lending opportunities, even more XRP gets locked up.

[00:09:38]These are things that are left out of this argument that Dana Love is making right here. So, for problem number two, the supply math, he's focused on the wrong variable. He's focused on the circulating supply versus the available float. And that's a very, very big difference. Anybody who understands stocks knows exactly what we're talking about. But this brings us to problem number three, the adoption story. Banks on Ripplet settle with central bank currencies, not XRP. The token is optional infrastructure. It gets bypassed. Now, I already made a video earlier this week titled XRP versus ROUSD. It was inspired by this guy's content as well, too. So, this is part two of addressing his FUD, but in the first part, we did XRP versus ROUSD, and I explained how ROUSD is the liquidity on-ramp to the XRP ledger. It brings liquidity flows that won't even be on blockchain at all onto a blockchain and onto the XRP ledger. And to use ROUSD on the XRP ledger, it does require XRP. And it's funny because you get a guy like this who in one argument is saying that the burning mechanism burning XRP is going to have no impact on XRP, right?

[00:10:51]Well, in in the in the in the same regard, he dismisses the usage of XRP when it comes to ROSD on the XRP ledger, just ignoring the fact that to send an ROSD payment on the XRP ledger, you're burning XRP. So, so in one regard the fee is meaningless on the XRP ledger, but then when it comes to using ROUSD, apparently you can use tokens on the XRP ledger without XRP, which is obviously not true, right? And so, go watch that video, XRP versus RUSD, to get a deeper understanding of the role and relationship of RUSD. But it it's kind of similar to Ripplet in that Ripple upgraded their branding of Ripplet and on demand liquidity. Ripplet was their payment solution. Traditional fiat rails didn't use blockchain. Didn't use XRP at all. That was Ripplet. And then over here they had on demand liquidity.

[00:11:48]Ondemand liquidity did settle with XRP.

[00:11:52]And a few years ago, Ripple and Brad Garinhouse had said that they had started moving about 50% of their overall payments volume was happening on XRP.

[00:12:02]And so they've rebranded, they've simplified it, and now it's just Ripple payments. And those Ripple payments could be going through fiat rails, they could be going through ROSD on Ethereum, ROSD on the XRP ledger. It could be crossber payment flows being settled in XRP.

[00:12:18]So this gentleman right here, Dana, he is correct that banks are going to use stable coins and central bank currencies on uh the Ripple payment flows, but they're starting to move those to the XRP ledger. And ROUSD is an example of this. We're going to see tokenized Japanese yen. We've already seen the British pound, the digital euro. All of these stable coins are coming to the XRP ledger. They're not just moving across Ripplet. In fact, the biggest driver in and the adoption right now is in these liquidity flows and these corridors where there's not as deep liquidity, right? US dollars to euro, there's a lot of liquidity and so you don't necessarily have the biggest incentive to come to the XRP ledger in that case or any blockchain solution because in the traditional rails you already have uh pretty good efficiency. It might still be, you know, more expensive than XRP, right? Um, but you might not necessarily be driven to move that flow onchain but where we've seen the biggest growth in adoption in XRP used in crossber payment flows is in these corridors where the speed time it takes a long time and the cost is very expensive as well too just because there's not much depth in that liquidity. And if you watch the video that I did, XRP versus RUSD, we broke down how the reason why you'd come to the XRP ledger in the first place is to get better liquidity for your asset. And to get better liquidity for your asset on the XRP ledger, you pair up your ROUSD with XRP in that liquidity pool. And so you drive demand to XRP. You need more XRP to add it into that liquidity pool with your tokenized asset on the XRP ledger. Whether that be ROUSD, tokenized gold, tokenized real estate, bonds, Japanese yen, euro, whatever it is. If you are coming to the XRP ledger, it's probably because you want better liquidity for your asset.

[00:14:22]And to get better liquidity for your asset on the XRPL, you pair it up with XRP in the liquidity pool. And so yeah, Ripple has given their clients the option to not come onto blockchain where it makes sense to come onto blockchain that's available. And as more and more see see the benefits, the cost efficiency, the customer benefit, they ultimately will have to move to these rails eventually.

[00:14:49]But in the meantime, Ripple's holding their hand. And we argue that this actually is one of the benefits and will drive more demand to XRP is when you get more CBDC's, more stable coins, more RWAS, more tokenized assets on the XRP ledger, it is going to drive more demand to XRP to $10 and beyond most likely. And so we continue on with his thread. Ripple, the company, just hit a record valuation and he better strap in because it's going a lot higher. XRP, the token, is down 30% from its cycle high.

[00:15:22]Um, correct. Yes, we have, you know, been, you know, shaken up. Our space has been scared and there's been a big sell-off in the token. But when you look at the actual holders of the asset, the number of holders with over 10,000 XRP is at a record high. The wallets with over 10 million XRP is at a record high.

[00:15:43]So, conviction is growing. And that is something that Dana Love skips over and he does not include that data when he's trying to get his point across here that one party is winning here. It's not retail, it's Ripple. And oh yes, here comes the pitch. You saw it coming from a mile away. This is the pattern I documented in my little book.

[00:16:06]Institutional adoption that benefits the issuer. Retail holders positioned as investors in something that routes value away from them. You were never the investor. you were the exit. And I would agree with Dana that that is true for a lot of blockchains, a lot of tokens, and the relationship with the issuer. That is not the case with XRP though. Okay?

[00:16:27]And we've shown that time and time again. Ripple continues to reiterate that XRP is the heartbeat of Ripple, the northstar of Ripple. And if Ripple wants to increase their valuation as a company being the largest holder of XRP, I mean, do we need a PhD to still do 2 plus 2 equals 4? Right? To increase their valuation, they're going to want to see a higher price of XRP. So, in that regard, follow the incentives of Ripple.

[00:16:52]The incentive for Ripple is to see XRP value increase in a stable way, in a sustainable path, not pump and dump it, but see the value of XRP grow over time to $10 and well beyond that level. So, we will continue to show you our $10 models, our $10 fundamentals, our $10 valuations. Dana, we are just getting started at a $10 XRP. I think we're going a lot higher. And we've shown whether you go look at the multiplier, whether you go look at the real available float of XRP, right? And then you start to factor in the DeFi coming to XRP, XRP yield and lending.

[00:17:31]Yes. Start to factor in some of these variables. And we absolutely can show you the math for a $10 XRP. Some folks might even be able to suggest we can show you the math to get to much higher prices. Those might be aggressive assumptions and that's why we keep it conservative over here, but we are absolutely going to confront the FUD.

[00:17:49]Anytime we get an opportunity to provide you more educational content on digital assets, XRP, and the greatest transfer of wealth in world history, we're going to take that opportunity. So, I hope that you appreciate this update. Please help us out by liking this video, sharing it out far and wide. And if you guys want to check out our sponsor, IT Trust Capital, real quick, this is now the one-stop shop solution for your digital assets, whether it be in their retirement product, the IRA, the premium custody account, or I'm really excited about this new one, the Treasury accounts for your business, your nonprofit, your trust. They have it available for you. Get it in institutional grade custody. You can buy and sell, hold 85 plus cryptocurrencies and precious metals. And the big announcement that just hit too is they've added Zbecki ZBCN to their IRA product as well. Use my link down below to get the $100 funding bonus and we'll see you guys in the next one. God bless you all.

[00:18:44]I am your host, Zach Rector. I really appreciate all of the love and support.

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