Most debates about XRP’s price revolve around speculation and market cycles. That focus misses a quieter argument within the mechanics of settlement itself. Infrastructure does not optimize for excitement. It optimizes for efficiency, predictability, and scale.
This idea was the focus of a recent post by Pumpius (@pumpius). Pumpius, who has been a crypto trader since 2013, said XRP works better at much higher prices. For maximum efficiency in global settlement, XRP has to trade at very high prices.
The system works better at $10,000 per $XRP than it does at ten dollars.
The mathematics of settlement prove this. https://t.co/40yF7pHcX2
— Pumpius (@pumpius) November 30, 2025
Settlement Mathematics
Pumpius wrote, “The system works better at $10,000 per XRP than it does at ten dollars. The mathematics of settlement proves this.” The statement targets value movement across payment rails, rather than how traders behave on exchanges.
In settlement systems, unit value matters. Each transfer uses tokens. As the token’s value rises, fewer units are required to move the same notional amount.
Lower unit counts reduce friction. They lower the stress placed on liquidity pools. They also reduce slippage risk during large transfers. For systems designed to move capital at scale, these factors matter more than retail affordability.
Pumpius sees XRP as a utility asset whose performance improves when its price rises, because a higher value per token concentrates liquidity. This view rejects the idea that a low XRP price helps adoption. Cheap units create fragmentation. They require more tokens per transfer.
That raises operational complexity in corridors handling large flows. This view also matches an idea previously shared by Ripple CTO David Schwartz.
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XRP Cannot Remain Cheap
Schwartz has explained in the past that XRP cannot remain cheap and effectively fulfill its role. Higher prices will process high-value transfers more efficiently. To move trillions across the globe, XRP needs to trade at high prices.
Settlement systems depend on liquidity density. That density links directly to XRP’s price. At low prices, sending trillions requires a massive movement of tokens. That reality strains order books and liquidity providers. It also increases exposure to volatility during execution. Higher prices reverse that dynamic. The same value moves with fewer units and less market disturbance.
XRP was designed to be the global reserve currency. A low price does not enhance that goal. A higher unit value improves throughput and execution stability. It also lets the asset serve the global market. Schwartz’s comment reinforces the same foundation Pumpius described.
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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