If U.S. cryptocurrency regulation becomes clearer, XRP could rise to $300 over the long term, a forecast said.

On May 13 (local time), blockchain outlet The Crypto Basic reported that a banking systems engineer, Sharuasan (샤루산), argued the market is underestimating the potential for XRP to spread across the banking sector.

The key is how banks adopt new payment technology. Sharuasan said many investors mistakenly believe XRP adoption would proceed through sequential, bank-by-bank contracts. He said that if the 'CLARITY' bill passes in the United States, bank adoption of XRP could spread at once through payment infrastructure providers, rather than at the level of individual banks.

He cited ACI Worldwide, Volante Technologies and Finastra. The companies provide services to thousands of banks worldwide. Sharuasan said this structure could allow faster rollout via software updates than through separate contracts with each bank. He said banks connected to shared payment infrastructure could access XRP-related functions through a centralized cloud system, even if Ripple does not sign separate agreements with 13,000 banks.

He also laid out the logic behind his price outlook. Sharuasan compared XRP liquidity to water flowing through pipes, and argued that if the price stays around $10 or $20 it would be difficult to handle large global payment flows. He said a higher price would increase the amount of liquidity the network can process and enable more efficient transfers of larger sums. He described XRP not as a speculative asset but as a payment-transfer mechanism for moving large-scale liquidity.

Still, based on the current price, the outlook remains closer to an assumption. XRP is trading at $1.45, with a market value above $90 billion. If XRP reaches $300, its valuation would exceed $18 trillion. With the likelihood unclear that it would climb into triple digits in a short period from current levels, the $300 forecast remains a contentious claim.

Existing industry forecasts are also far lower than $300. Bitwise has presented an XRP price around $30 in 2030 even in its most aggressive scenario. Some XRP supporters, however, have also raised the possibility of $100 within the next 10 years.

In the market, U.S. regulatory discussions are cited as the next variable. Investors are watching whether cryptocurrency legislation and wider institutional adoption will be the next catalyst for XRP. In particular, XRP supporters expect discussions of the U.S. CLARITY bill could provide a clearer framework for banks and payments to adopt digital assets.

Ultimately, the issue is regulatory clarity and the pace of integration into banking infrastructure. Debate over XRP’s price outlook is shifting beyond a contest over targets to whether Ripple’s partnership structure can translate into real expansion across payment networks.

How XRP will reach $300 Shortly after the clarity law is enacted, banks will start using XRP. Those who say XRP will rise slowly or only reach $5 or $10 view banks like grocery stores joining the system one by one. However, Ripple has already partnered with giant infrastructure… pic.twitter.com/pCyJS0JNty