XRP Price Debate Reignites as Educator Questions $10 Limit Narrative

• Crypto educator Jesse argues XRP can exceed $10 based on banking infrastructure.
• Jesse compares Bitcoin transaction volume to central bank daily settlement flows.
• XRP needs 5X increase to reach $10 price target Jesse predicts.

Jesse, founder of Apex Crypto Academy, has entered the debate over XRPs price potential by challenging critics who claim the asset cannot surpass $10. The crypto educator argues that dismissing double-digit prices for XRP ignores how global financial infrastructure operates at scale.

XRP is trading well below the levels Jesse considers achievable if institutional adoption materializes. His thesis centers on transaction volume processed by traditional financial institutions rather than market speculation or retail enthusiasm.

People saying XRP can‘t go past $10 really haven’t done their research. One Ripple partner (Bank of England) does more volume in one day than Bitcoin in a YEAR and it will use XRP to settle transactions. Wake up people!

— Apex Crypto Insights (NFA) (@APEXCONSULTNFA) December 17, 2025

Central bank transaction volume dwarfs Bitcoin processing

Jesse‘s core argument compares real-world payment volume between Bitcoin and major central banking institutions. Despite Bitcoin’s multi-trillion-dollar market capitalization, the network processes modest transaction volume relative to traditional finance systems.

The Bank of England alone moves more value in a single day than Bitcoin processes throughout an entire year, according to Jesse. This comparison highlights the scale difference between cryptocurrency networks and established financial infrastructure.

Critics who compare XRPs price potential to Bitcoin without accounting for these volume differences miss the fundamental distinction, Jesse contends. Bitcoin functions primarily as digital gold, while Ripple has consistently focused on cross-border payments and institutional settlement applications.

Institutional settlement could drive XRP valuation higher

Ripple‘s existing and potential partnerships with banks and central banks form the basis for Jesse’s bullish price thesis. If XRP becomes a settlement asset within large-scale financial systems tied to central banking institutions, the volume flowing through the network could exceed most current cryptocurrency assets.

Over 170 central banks operate globally. Jesse argues that focusing on just one institution already illustrates the scale XRP could eventually serve in international financial markets. Claims that XRP cannot exceed $10 rely on simple market capitalization calculations without factoring in liquidity requirements, settlement velocity, or institutional demand patterns.

These models fail to account for how value actually moves through global finance systems, according to Jesse. He maintains that XRP serves practical settlement purposes unlike Bitcoins current positioning, though price appreciation may not occur immediately alongside usage growth.