Ripple insiders say that the adoption of cryptocurrencies is severely underestimated, with millions of backend transactions not reflected in mainstream metrics. CTO David Schwartz emphasizes that the long-term value of XRP depends on its "meaningful secondary market utility" after integration with payment channels and tokenization platforms, rather than speculation. Broader trends such as major tech companies re-entering digital payments and the expansion of tokenized stocks and ETFs may drive sustained demand. Technical analysis indicates that XRP's long-term chart could form a "Nike" shape, with some analysts predicting a high upside target, but a $100 price remains an extreme scenario requiring widespread global adoption.