XRP recently fell below $2, but in the crypto world, there are always people shouting slogans like "Hundredfold surge by the end of the year." Analyst Zach Humphries recently spoke very frankly and said a big truth: it's time to wake up.

His logic is actually very simple—assuming XRP truly reaches $100, its market cap would swell to $5 trillion. What does this mean? It would be enough to surpass tech giants like Apple and Microsoft, equivalent to controlling the global payment flow overnight. Does this sound outrageous? Yes, it’s that outrageous.

Interestingly, even though spot ETFs have already attracted over $1 billion in funds, XRP’s price is still dropping. Why? Because institutional players are not looking for the thrill of a rapid surge; they need stable liquidity and predictable returns. High volatility is actually a risk for them.

But this doesn’t mean we should be bearish on XRP. Humphries actually has a pretty optimistic view of its long-term prospects—its natural advantages in cross-border payments, numerous corporate partnership cases, and having gone through multiple market cycles. The key is that for XRP to mature, it relies on gradual acceptance by institutions and a clearer regulatory framework, rather than gamblers’ psychology of overnight riches. Looking at it from another angle, being rational is actually closer to making money.