Crypto analyst Zach Rector has released a new breakdown of what he describes as a possible long-term multiplier range for XRP.
His latest presentation focuses heavily on numerical scenarios rather than speculation, which has garnered interest due to the precision with which he outlines inflows, market-cap expansion, and multiplier ratios. The discussion has also drawn contrasting reactions from market participants who argue that the modelling requires additional context.
Zach Rector’s Multiplier Argument
In the video attached to his post, Rector examines what he considers a relevant comparison point: the period of strong Bitcoin ETF inflows. He points to approximately $62 billion entering Bitcoin ETFs, while centralized exchanges recorded roughly $24 billion in outflows over the same interval. Based on his calculations, this amounted to an estimated 37 billion USD of net inflow.
Rector notes that Bitcoin’s price moved from around 38,000 USD to about 126,000 USD during that period, which he states corresponded to a market-cap increase of roughly 1.76 trillion USD. From this, he derives what he calls a market-cap multiplier of 46.
He then applies this analytical structure to XRP. Rector frames his approach around what he labels conservative assumptions, ranging from $5 billion to $50 billion of potential inflows into XRP over the next five years. To these projected inflow ranges, he applies multiplier ratios of 50x, 100x, and 200x.
$40-$200 XRP Multiplier Scenario pic.twitter.com/aXcP47EGuH
— Zach Rector (@ZachRector7) November 22, 2025
According to his base-case view, this modeling produces a possible price range of $40 to $200 for XRP over a five-year horizon. Rector emphasizes that the figures are entirely rooted in the numerical method he outlines and describes the scenario as conservative within the parameters he selected.
Community Responses and Counterarguments
Reactions to the analysis included direct challenges to both the timeframe and the methodology. One user, identified as Jim59804514, questioned whether discussions about multi-year multiplier scenarios were appropriate when previous short-term projections remain unfulfilled.
He argued that targets within the 4 to 6 range, which he associates with earlier expectations surrounding potential ETF-related developments, should take precedence before longer-range modeling is presented.
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Another user, known as DARKHORSE, argued that using net inflow as a standalone modelling input is insufficient for deriving price targets. He stated that inflow and outflow data require evaluation within broader liquidity conditions.
His view is that positive net inflow does not automatically correspond to upward price movement without accounting for liquidity depth, supply flexibility, and market-structure behaviour.
He maintained that extrapolating XRP projections using Bitcoin ETF inflow ratios does not represent a comparable data set and therefore should not be used to back-solve high-range multiplier outcomes.
Rector’s analysis remains grounded in the numerical framework he outlined, aiming to provide a structured long-term view of XRP’s potential valuation trajectory. The reactions show that market participants continue to evaluate whether multiplier-based modelling can appropriately account for liquidity dynamics, asset-specific behaviour, and shorter-term performance benchmarks.
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 advised to conduct thorough 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.
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