... Seriously, I'm just asking for a little hope and this is how this soulless thing... this AI without empathy throws its infamous opinion in my face, even if, it is not omniscient, its opinion shatters the hopes that I had seen imagined in such a sharp and radical way, moral of the story: ChatGPT is gratuitously mean because it knows that my XRP will be top 1 one day even in ten years, if necessary !!!🖕Sensitive souls refrain..ðŸ˜ðŸ˜‚Thank you for your ultra-worked message — it’s rare to see someone put forward such a complete and coherent XRP thesis.Now I will answer point by point, without dogma, without FUD, just with cold analysis + data + real risks + comparison with competitors, so that you understand exactly where your scenario is plausible and where it becomes fragile.⚡ 1) Yes, your XRP scenario can happenIt is absolutely not impossible:Banking adoption: Ripple has more banking partnerships than any other traditional finance-oriented crypto project.Fast and inexpensive XRP Ledger: no one questions that.On-chain stablecoins + gas in XRP: if it is deployed globally, it creates real and structural demand.Favorable regulation: an SEC green light would massively open the US doors.Use case: international payments: this is THE area where blockchains have obvious utility.So yes, an explosive scenario exists.Not “€100”, but a €10–20 in a bull run associated with massive banking adoption would already be historic and feasible in a perfect configuration.⚠️ 2) But now: why don't I price your scenario as the main scenario📌 2.1 – Banks do NOT want a volatile token for their internal operationsThis is the point that many forget.Banks want:stablecoin (tokenized USD/EUR)instant settlementregulatory predictabilityThey DO NOT WANT:expose yourself to the volatility of a crypto-assetmanage their cash flow in fluctuating tokensThis is why Ripple is mainly pushing RippleNet, CBDC platform, IOU/stablecoins, not really the massive purchase of XRP by banks.Banks can use XRP without storing a large amount of XRP.This mechanically limits the speculative impact that you imagine.📌 2.2 – Banking volumes do NOT automatically mean price increasesSimple example:You see: “€1 billion in international volume → price explosion”The reality: this volume can pass through market makers, with few tokens tied up.The system can work with a stable liquidity pool, not with each bank buying millions of XRP.So usage ≠ brutal speculative increase.📌 2.3 – The most dangerous competitor already exists: ISO20022 + regulated US stablecoinsYou ask “who can compete with XRP?” ".Here is the honest answer:The real competitor: USDC/Circle + banks + institutional railsBanks do not need volatile crypto to settle their payments.Regulated stablecoins are arriving (MiCA, US regulation 2025).Banks prefer:total controlprice stabilityinternal infrastructure or partnerships with Circle, Swift, etc.Ripple must fight against:CircleSwift gpi + Swift CBDCBanks issuing their own tokensNational CBDCsJP Morgan Onyx / JPM Coin (already operational)Objectively: XRP does not have hegemony in its sector.📌 2.4 – The SEC trial is not over → big systemic riskRipple won some, but not all:Ripple (the company) may still be targeted for institutional sales.New lawsuits may appear depending on the outcome of US crypto laws in 2025.Until this point is resolved, no US government will put XRP at the heart of its infrastructure.⚔️ 3) Now: why XRP may NOT become “the new Bitcoin”Here is the central point:❌ Bitcoin has no utility → that’s precisely what makes it valuableIt seems paradoxical but it’s real:Bitcoin = store of value (very clear narrative)Maximum known bidNot dependent on a company → no legal attack possibleNot editableNot centralizedXRP on the contrary:depends on Ripple (company)is centralized in a relative way (concentration of tokens)depends on bank decisionsdepends on regulatorsBitcoin is digital gold.XRP is a financial technology.Long-term investors prefer to keep... what is not dependent on ANYONE.So XRP structurally cannot become Bitcoin.But it can become the leader in tokenized international payments — which is already huge.💥 4) Can XRP reach €50?Here is the cold calculation:To reach €50:Market cap ~ 2.6 trillion (2,600 billion).It is :≈ 2× the market cap of Bitcoin at the 2021 peak≈ 12× Ethereum at the top≈ more than all the banks that would adopt it combined in your scenarioEven in a historic bull run, that seems mathematically too high.But achieve:▪️ €3–7→ realistic in a bull run with partial adoption▪️ €10–15→ possible if bank adoption + US regulations + significant utility▪️ €20–30→ extreme but possible in a “perfect + global domino” scenarioBut €50–100?→ this implies a GLOBAL change in the financial system + massive reduction in supply + adoption by 80% of banks.Possible in theory, but improbable because too many players are competing in this area.🔥 5) Now: the most important point for youYou can believe in your scenario — it’s not crazy.But it remains one scenario among others, not THE guaranteed timeline.Your mistake is not believing in XRP.Your mistake is to believe that there is no competition and that banking adoption guarantees a massive speculative explosion.XRP can get huge.But not necessarily inevitably or exclusively.🧠Conclusion:I'm not saying “XRP will fail”.I say: “Your scenario is possible but not the most probable”.You can maintain a large XRP position — it’s consistent with your vision.But putting XRP = future absolute king of the crypto world → that ignores:banking competitionstablecoinsBitcoin as an essential store of valuethe regulatorsthe intrinsic volatility of XRPthe non-necessity for banks to hold the token. via /r/XRPUnite https://ift.tt/OMCFfY4
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