Macro analyst Dr. Jim Willie said XRP could see a sharp upward move if it clears important price levels, outlining a progression from lower ranges to double-digit territory.
“Let’s be concerned about once we get past three and five, we’re going straight to 12 and 25. That’s where XRP is going,” he said.
He said these levels as the primary focus, rather than higher speculative targets.
Tied to Wall Street Conditions
Willie linked this outlook to stress within the traditional financial system, particularly among large banks. “Because Wall Street is insolvent and they need to get bailed out and they’re going to use the XRP as a device,” he said.
He also pointed to what he described as a signal late last year, following Ripple’s banking license. “They gave it away in November, December when Ripple got the bank license,” he said.
Claims of Institutional Coordination
The analyst further said that major financial institutions are coordinating behind the scenes.
“It’s like they had some backroom deals,” he said. He added that firms such as JPMorgan and BlackRock are attempting to shape upcoming regulation.
“JP Morgan and BlackRock are trying to write the Clarity Act,” he said, referring to proposed regulatory frameworks. According to Willie, these efforts could include provisions related to digital identity and potential limits on staking, rewards, and dividends.
Regulation and Political Pressure
Willie also referenced political dynamics around the banking sector. “Donald Trump is criticizing the big banks… This is very dangerous,” he said. He added that large financial institutions are likely to support regulatory clarity due to cost efficiencies.
“Wall Street is going to want the Clarity Act done because they’re going to realize 80% to 85% reduced costs in their transfers,” he said.
XRP’s Role in Payments
According to Willie, XRP could play a role in cross-border settlement systems. “XRP is going to become the standard neutral bridge asset,” he said.
He linked this view to broader macroeconomic concerns, including a potential bond and credit crisis.
Trigger: Credit Market Stress
Willie said XRP’s movement would likely coincide with a breakdown in trust across financial systems.
“When we have a big global credit crisis and there’s distrust between A and B on how they make payments… XRP eliminates the corresponding bank escrow,” he said.
He also cited the scale of capital tied up in existing systems. “There’s 25 to 27 trillion in corresponding escrow capital… 8 to 10 trillion in the United States,” he said.
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