Despite optimism, XRP faces significant hurdles:
Market Cap Concerns: Even $48.03 implies a $4.8T market cap, 4x Bitcoin’s current $1.07T, requiring unprecedented adoption, per CoinGecko.
Velocity Dynamics: High token velocity reduces capital needed, capping prices at $8.50 with a velocity of 5, per The Crypto Basic.
Competition: SWIFT’s blockchain advancements and stablecoins could outpace XRP, per Forbes.
Escrow Risks: Ripple’s 41B escrowed tokens could suppress prices if released, per The Motley Fool.