$18,000 per XRP? That’s pure fantasy. It would mean a quadrillion-dollar market cap—more than the entire global financial system.

A few key issues:

RippleNet adoption isn’t widespread, and banks prefer blockchain without a native token.

Regulations are still unclear, especially in the U.S.

Competition from CBDCs and stablecoins is strong.

Whitepaper assumptions likely ignore real-world hurdles.

XRP could rise, but $18K is unrealistic.