$XRP is trading around $3.2–$3.3 today. 

With utility ramping (payments, CBDC settlement, tokenization, micropayments, XRPL DeFi),

my 3–5 year outlook:

• Base case: $8–$12

• Bull case: $15+

• Bear case: $3–$5 (sideways if adoption stalls)

Utility = demand. Demand = price. ⏳ #XRP #Ripple #Crypto