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Market analysts are identifying catalysts that could drive XRP's price to $3, with a leaked model predicting a range between $5 and $4,300. Experts emphasize XRP's utility in banking and institutional adoption as key factors for its potential price surge.
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Market analysts are identifying new catalysts that could propel XRP to explosive highs. A leaked footage shared by Crypto analyst Don Digital Finance highlights two catalysts from a theorized pricing model that could trigger a massive price surge for XRP. Meanwhile, other experts are focusing more on XRP’s payment rails and utility, predicting a price rally to $3.
While most XRP price projections in the market are often based on speculation and hype, the leaked model treats the cryptocurrency as a functional tool for banks and institutions. This means that a higher XRP price is required or even mandated for the system to remain efficient.
In a post on X, Don Digital Finance shared details regarding leaked footage featuring Teucrium CEO Sal Gilbertie. The video captures Gilbertie discussing various legitimate pricing models for XRP that suggest a valuation range starting from $5 to $4,300.
These pricing models primarily focus on XRP’s institutional adoption and velocity, which measures how many times it is used within a specific period. Explaining the theory governing the model, Don Digital Finance said that if the XRP network settles trillions of dollars in global payments, the speed of these transfers would dictate how many tokens must be available at any given second.
Notably, when institutions move large sums of money, they need deep liquidity to prevent the price from swinging wildly during a single trade. This suggests that if XRP’s price remains low, banks would need to move a massive number of tokens to settle a single multi-billion-dollar payment. This strategy would create a huge functional problem because there are not enough tokens in circulation to support that volume of wealth at a low price point.
However, Gilbertie’s mathematical models suggest that for XRP to , the price needs to be high enough for the existing supply to cover all transactions. A higher price means global banks can use fewer coins to transfer very large amounts of money. According to his calculations, the required price for this system to work is between $5 to $4,300.
Analysts highlight XRP's payment utility and institutional adoption as key catalysts that could lead to a significant price increase.
The leaked model suggests that XRP could be valued between $5 and $4,300, depending on its adoption and usage in global payments.
Experts believe that XRP could reach $3 if its utility as a functional tool for banks is recognized and adopted widely.

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In a separate X post, market expert XRP Queen stated that XRP is positioning for a significant breakout. She predicts that the cryptocurrency could first reach its 2018 all-time high of $3.84, then ultimately target an ambitious $227.

Source: Chart from XRP Queen on X
According to XRP Queen, the catalyst behind this rally is XRP’s growing role as a global payment asset. She noted that the XRP Ledger (XRPL) has recently entered a $2.7 trillion market that encompasses payments, decentralized media, and the broader Web3 ecosystem. She believes that XRP could become a core payment rail within this space, potentially fueling substantial price growth.
XRP trading at $1.39 on the 1D chart | Source: XRPUSDT on Tradingview.com
Featured image from Getty Images, chart from Tradingview.com