Black Swan Capitalist founder Versan Aljarrah has reignited debate around the actual valuation of XRP, claiming that “the price of XRP has already been determined.”
This “already determined” XRP price, he claims, was not set by retail speculation or market supply and demand, but through pre-arranged deals with central banks and global financial institutions.
Citing a bold prediction made in 2022, Aljarrah reaffirmed his belief that XRP’s utility price is vastly higher than its retail market price. This utility price refers to what global financial institutions are prepared to pay for XRP’s role in cross-border settlements and liquidity.
“The price of XRP has already been determined,” he reiterated. “Retail traders are only seeing the surface of a much deeper, institutional game.”
Pre-IPO case for XRP
To back its argument, he drew a parallel between XRP’s evolution and traditional stock markets’ pre-IPO valuation phase. In the pre-IPO process, institutional investors negotiate share prices behind closed doors based on financial models, not public sentiment.
“This is not a market-driven event. This is a calculated, institutionalized play,” he explained. “Retail only sees the IPO price when everything is already baked in.”
According to his analysis, XRP has followed a similar trajectory but on a global scale. Unlike startups going public, XRP’s backers include central banks, International Monetary Fund (IMF)-aligned financial bodies, and powerhouses such as JPMorgan, BlackRock, and BIS. These entities, Aljarrah suggests, have already agreed on XRP’s functional value in global settlements.
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XRP’s institutional integration already underway.
Further, he argued that Ripple’s infrastructure is already embedded into central bank systems, particularly in smaller but active pilot markets such as Barbados and other Caribbean nations. These early integrations, he claims, are proof of concept for a broader, institutional XRP rollout.
“These entities aren’t waiting for price discovery,” the post stated. “They’ve already priced in XRP’s role as a bridge currency, settlement layer, and interoperability solution.”
The firm pointed to XRP’s capacity to serve as a liquidity bridge for stablecoins, cross-chain transactions, and global remittance as major indicators that financial heavyweights have long been involved off-chain and off-radar.
He stated: “XRP is being strategically positioned as the bridge asset for global liquidity and financial transactions. Its role in connecting different financial ecosystems, stablecoins, and smart contracts makes it essential for cross-border payments and monetary policy management.”
Read also: Coinbase Derivatives Files with CFTC to Launch XRP Futures Trading
The article also highlighted the rise of “stakeholder capitalism” as defined by the World Economic Forum. In this model, central banks and major institutions act as stakeholders rather than shareholders, steering the economic direction with coordination rather than competition.
“Ripple’s strategic partners are not day traders—they’re system architects,” Black Swan Capitalist founder noted. “They’re not speculating. They’re planning,” he added.
”With this context, he posits that XRP has already been pegged (internally) to values needed to facilitate high-volume, high-stability transactions. This model detaches XRP’s long-term utility value from its current market price, which remains subject to speculation and volatility.
Read also: Ripple Payments Network Expands to 80+ Markets, Boosting XRP Adoption
What is XRP’s “already determined” price?
While the precise utility price of XRP remains undisclosed, Black Swan Capitalist’s founder hinted at a possible range in the three-to-four-digit territory. This aligns with past speculative models suggesting XRP could rise to hundreds or even thousands of dollars if it captures a large share of global settlements.
“Central banks won’t settle billion-dollar transactions with a 50-cent asset,” the firm stated. “They require stability and a price that ensures liquidity without constant volatility.”
However, Aljarrah emphasized that these valuations are based on internal institutional frameworks and not open market sentiment. According to him, retail XRP price fluctuations are largely noise.
“The market may think it’s in charge,” the article read, “but the real valuation game is already being played behind closed doors.”
In its final remarks, he emphasized the disconnect between XRP’s retail price and its institutional value. According to him, what’s seen on exchanges like Binance or Coinbase represents only the speculative, public-facing layer of XRP’s pricing structure.
“The price you see is not the price that matters,” he concluded. “The institutions already know what they’re willing to pay. They’re just waiting for the infrastructure, the regulations, and the final flip of the switch.”
Thus, he reminded XRP proponents that by the time the public fully recognizes the token’s institutional adoption, it may be too late to secure positions at current price levels. XRP, which is the third-largest cryptocurrency by market cap, is trading around $2 at the time of writing.
“By the time the public fully realizes how significant XRP’s role is in the global financial system, the transition will already be well underway, and the price of XRP will reflect its true utility and demand in these systems, far beyond the market speculation that dominates today,” Aljarrah concluded.
Read also: Why You Should Hold 1,000 to 10,000 XRP
With the legal tussle between Ripple and the U.S. Securities and Exchange Commission (SEC) now over, coupled with Ripple’s advancement in central bank partnerships and pilot programs, XRP could be in for a major price rally.
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