Crypto Educator Says People Claiming XRP Can’t Go Past $10 Haven’t Done Their Research

The discussions around XRP double-digit price are heating up again, as crypto educator Jesse, founder of Apex Crypto Academy, weighs in

Comparing Bitcoin’s Scale With Global Banking Volume

Jesse’s argument centers on transaction volume rather than market hype. He points out that, despite its multi-trillion-dollar valuation, Bitcoin processes relatively modest real-world payment volume compared to traditional finance.

In contrast, major central banks operate at an entirely different scale. According to Jesse, even a single institution like the Bank of England moves more value in a single day than Bitcoin processes in an entire year.

From his perspective, comparing XRP’s price potential to Bitcoin without accounting for this difference misses the bigger picture.

Ripple’s Banking Focus Changes the Equation

Unlike Bitcoin, which is a digital gold, Ripple’s strategy consistently focused on cross-border payments and institutional settlement.

Jesse highlights Ripple’s existing and potential partnerships with banks and central banks as a key reason XRP’s valuation ceiling may be far higher than skeptics assume.

He argues that if XRP becomes a settlement asset within large-scale financial systems tied to central banks, the volume flowing through the network could dwarf that handled by most crypto assets today.

Central Banks and the $10 XRP Debate

Another point Jesse raises is the sheer number of central banks globally. With well over 170 central banks operating worldwide, he believes focusing on just one institution already demonstrates the scale XRP could eventually serve.

From this angle, he said claims that XRP cannot exceed $10 are overly narrow and based on simple market-cap math without factoring in liquidity needs, settlement velocity, or institutional demand. Jesse suggests that these models fail to reflect how value moves in global finance.

Investors May Be Underestimating XRP

Jesse also disagrees with claims that XRP has no real-world use. He says XRP is for practical use, unlike Bitcoin’s current role, and explains that price doesn’t always rise right away with usage. Over time, real adoption can greatly change how an asset is valued.

He believes investors who ignore this may be missing a rare opportunity. With XRP at $1.85, the journey to $10 demands an over 5X price expansion. This would also give XRP a market cap of $600 billion, beyond Ethereum’s current position.

While Jesse’s argument for $10 largely relies on XRP’s role in payments, some commentators believe ongoing accumulation via ETFs further supports the price thesis. At the same time, critics believe that double-digit returns are a stretch for an asset trading under $3.84 for 8 years.