Banking Expert Shares Part 3: How XRP Will Reach $300

Computer engineer and crypto commentator CharuSan XRP has published the third part of a series explaining his view on how XRP could eventually reach $300.

CharuSan XRP focused on the relationship between institutional payment demand, liquidity requirements, and transaction bottlenecks within global banking systems.

The post centered on the argument that XRP pricing in institutional use cases would depend more on liquidity depth and transaction capacity than on the asset’s reported circulating supply.

According to the commentator, many investors misunderstand how XRP could function in large-scale cross-border settlements via On-Demand Liquidity (ODL).

CharuSan XRP stated that the XRP price used by banks for transfers would be calculated based on ODL activity rather than solely on the circulating supply. He argued that circulating supply figures do not necessarily represent the amount of XRP accessible for simultaneous global transactions at any given moment.

How XRP will reach $300 *Part 3*

The XRP price used by banks for transfers is calculated through ODL *On-Demand Liquidity* Circulating XRP does not mean the number of XRP you can find at that exact moment. The price is not calculated based on the circulating supply.

If a bank's…

— CharuSan XRP (@CharuSan83) May 17, 2026

Large Transfers Could Require Higher XRP Prices

In the post, CharuSan XRP presented a hypothetical example involving a $200 billion bank transfer. He explained that if XRP were priced at $20, approximately 10 billion XRP would be required to complete the transaction. He then argued that such large transfers could create severe liquidity constraints if multiple financial institutions attempted similar settlements simultaneously.

The commentator stressed that the issue becomes more significant when considering the scale of the global banking system. He noted that the world’s banking network includes thousands of institutions and potentially massive transaction flows occurring concurrently.

According to his explanation, relying on relatively low XRP prices for these transfers would likely create bottlenecks within the payment system.

CharuSan XRP also referenced the involvement of major financial infrastructure firms, including Depository Trust & Clearing Corporation, arguing that institutional participation could further increase the liquidity requirements.

XRP Velocity and Liquidity Depth Remain Central to the Argument

A major point in the post involved the distinction between transaction speed and liquidity depth. CharuSan XRP argued that fast settlement alone would not eliminate the need for substantial liquidity. While XRP transactions can settle within seconds, he claimed that the total value moving simultaneously across banks worldwide could still amount to trillions of dollars in transit.

According to the commentator, this creates a situation where insufficient liquidity depth would lead to slippage and transaction congestion. He compared the concept to a system in which transaction volume exceeds the capacity available to process it efficiently.

To explain the idea further, CharuSan XRP used the example of hundreds of cars attempting to move through a tunnel with limited lanes. In his view, higher XRP prices would effectively expand the system’s capacity by reducing the number of XRP units needed for large-value settlements.

The commentator added that his thesis assumes banks will adopt XRP after regulatory clarity emerges through legislation such as the proposed Clarity Act.