Renowned fintech analyst Armando Pantoja has challenged a long-standing misconception in the crypto space, the belief that XRP’s price is inherently capped by market capitalization.
In a thought-provoking X post, Pantoja likened the current skepticism surrounding XRP’s potential to doubts people had about Microsoft Office in the early 1990s, urging investors to stop applying outdated metrics to emerging technologies.
Market Cap Is Not a Ceiling
Pantoja points out that many people incorrectly apply traditional stock market metrics, particularly market cap, to blockchain assets like XRP. “It doesn’t even make sense when you put it like that,” he said. Just as no one in 1992 could limit the adoption of Microsoft Office by citing market cap concerns, he argues the same logic applies today: technology adoption cannot be constrained by arbitrary valuations.
Market cap, calculated as price multiplied by circulating supply, may be a useful reference in equity markets, but it doesn’t accurately reflect liquidity, usage, demand, or innovation in the blockchain space. “You can’t apply stock market metrics to technology,” Pantoja emphasized.
This is why Market cap doesn't limit $XRP rise to $1,000+ pic.twitter.com/iMFlEHJhfi
— Armando Pantoja (@_TallGuyTycoon) July 31, 2025
XRP’s Real-World Utility
XRP is not just a speculative token; it’s a functional bridge asset designed for speed, scalability, and cost-efficiency in global payments. It plays a central role in Ripple’s ecosystem — powering On-Demand Liquidity (ODL), facilitating stablecoin transfers such as RLUSD, and enabling cross-border payments at enterprise scale.
This growing adoption supports the argument that XRP’s value could rise significantly in the long term. XRP also has a built-in deflationary mechanism, where a small amount of XRP is destroyed with every transaction, gradually reducing the total supply and increasing scarcity over time.
Short-Term Charts vs. Long-Term Adoption
While Pantoja acknowledged that technical analysis and price charts are useful for short-term traders, he stressed that none of it truly matters over a long enough timeline. “Short term, yeah, technical analysis… all this stuff matters. Long term, none of that matters,” he said.
The ultimate driver of value, according to him, is adoption, and XRP’s growing list of institutional and enterprise users suggests its long-term value proposition is far from being priced in.
We are on twitter, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) July 15, 2023
Current Price and Market Position
As of report time, XRP is trading at $3.14, with a market capitalization of approximately $186 billion. These numbers place it firmly among the top three cryptocurrencies globally. But Pantoja warns against using these figures to limit imagination or analysis.
He argues that as the world tokenizes assets and modernizes financial systems, digital utility tokens like XRP could command much higher valuations, even into the thousands.
A Paradigm Shift in Valuation
Pantoja’s message cuts to the heart of a larger issue: the crypto market is a new financial frontier, and it requires a fresh approach to valuation. Comparing XRP’s market cap to GDPs or company valuations is like using a sundial to measure time in a digital age.
As blockchain technology continues to evolve and integrate into the core of global finance, XRP’s potential should be measured not by static formulas but by dynamic adoption and real-world impact. “It’s the technology that’s going to be adopted,” Pantoja concluded, and that’s what will ultimately determine XRP’s true price trajectory.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
Follow us on Twitter, Facebook, Telegram, and Google News
