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Market expert CharuSan has outlined an updated roadmap explaining how XRP could eventually surge toward the ambitious $300 mark if the CLARITY Act accelerates real-world adoption. According to the analyst, clearer crypto regulations could encourage banks and financial institutions to expand their use of Ripple’s On-Demand Liquidity (ODL) system, potentially increasing utility-driven demand for XRP and strengthening its long-term price outlook.
XRP’s Utility-Driven Boom to $300
In a post on the X social media site, pseudonymous commentator CharuSan argued that XRP could ultimately reach $300, claiming that institutional pricing for transfers is driven by the On-Demand Liquidity rather than traditional circulating supply metrics. He further suggested that standard market valuation models may not fully capture real-time liquidity usage, asserting that XRP’s price formation differs from conventional supply-based calculations.
He argued that if a bank were to process a $200 billion transfer at an XRP price of $20, it would require roughly 10 billion tokens to complete the transaction. Expanding on this idea, he claimed that large-scale transfers of 3, 5, or even 10 billion XRP would create significant liquidity constraints given a circulating supply of about 61 billion tokens—particularly if multiple institutions are transacting simultaneously across a global banking network.
From this perspective, CharuSan suggested that such demand dynamics would naturally force XRP to trade at substantially higher price levels to accommodate large-volume settlement flows without liquidity bottlenecks.
CharuSan further argued that global banking adoption of XRP would not function at extremely low prices like $10 or $20, especially across a network of thousands of banks handling large-scale transfers. He also pointed to institutions such as DTCC and major financial infrastructure providers, suggesting they could support broader usage of XRP in global settlements.
 
He added that once the CLARITY Act, which has advanced in the Senate, brings regulatory clarity, banks may accelerate adoption, with existing Ripple strategic partnerships with firms such as Volante, ACI Worldwide, and Finastra helping drive integration.
Why Banks May Need Higher XRP Prices for Global Settlement
CharuSan argued that XRP cannot be valued solely by token velocity, emphasizing that liquidity depth is the real constraint on large-scale adoption. He noted that with simultaneous global transactions, trillions could be locked in transit across thousands of banks, making liquidity the limiting factor.
He added that if transaction demand exceeds available liquidity, slippage becomes inevitable, supporting his view that deeper adoption would require higher XRP pricing.
He illustrated the idea with a simple analogy, describing XRP as a high-speed system in which 300 cars enter a tunnel that can only handle 20 at a time, leading to congestion and “bottlenecks” at the entry point. In his view, the tunnel would need to be significantly larger to allow for smooth, frictionless flow, mirroring his argument that XRP’s price would need to rise to accommodate simultaneous global transaction demand.
XRP was trading around $1.36 as of publication, edging down 0.6% over the past 24 hours, according to CoinGecko data.