XRP currently sits near $1.36 after a strong multi-year recovery that followed regulatory battles, market volatility, and years of consolidation.
While the market continues to debate the asset’s trajectory, X Finance Bull (@Xfinancebull) believes the present moment could eventually be remembered as a rare early opportunity.
He shared that view in a post examining XRP’s current position in the market cycle. He wrote, “People will look back at $XRP at $1.39 the way they look back at Bitcoin at $200.” His argument centers on patience and long-term conviction rather than short-term price action, as he believes targets, such as $100, are milestones and not the final destination.
According to the analyst, many investors claim they would have held major assets through early volatility, yet real market behavior often proves different. He noted that true conviction requires holding through extreme events. The post refers to the now-resolved legal conflict between Ripple and the SEC, which was one of those defining tests for XRP holders.
People will look back at $XRP at $1.39 the way they look back at Bitcoin at $200 👀
They won't remember the 93% crash. The five-year lawsuit. The FUD and delistings.
They'll say "I would have held." Most wouldn't.
Holding means not selling when a federal agency sues the… pic.twitter.com/uJ7WwhB4N9
— X Finance Bull (@Xfinancebull) March 7, 2026
Legal Clarity and Institutional Pathways
X Finance Bull pointed to several developments that now shape the current environment for XRP. These developments did not exist during the previous market cycle. They include progress toward institutional infrastructure and legal recognition.
He referenced the conditional approval of Ripple National Trust Bank, the launch of RLUSD, the arrival of XRP spot ETFs, and filings related to Federal Reserve access. He also highlighted the anticipated passage of the Clarity Act, which could establish a defined legal structure for digital asset custody and settlement within the U.S.
The commentator also pointed to Ripple’s decade of partnership development with financial institutions. According to the post, hundreds of banks have already integrated Ripple technology while awaiting clear regulation before expanding usage.
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XRP Long-Term Price Targets
The analyst also connected XRP’s potential growth to global financial infrastructure. He pointed to the massive transaction volumes processed by existing payment systems. Global cross-border payments exceed $150 trillion annually. The DTCC processes more than $100 trillion in securities transactions each year. The XRP Ledger aims to support settlement activity within that financial ecosystem.
X Finance Bull argued that even partial adoption could transform XRP’s valuation. He wrote that when a portion of that activity moves onto the XRP Ledger, “XRP price at $100 is a stop along the way. Not the destination.” The analyst closed his post with a simple message about patience and conviction, writing, “I’m sitting still. The bull market hasn’t even started.”
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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