XRP could potentially reach a price of $100 if it transitions from a speculative asset to a widely used payment and settlement infrastructure, according to crypto analyst Gina. She argues that traditional market-cap calculations may not fully capture XRP's potential if it becomes integral to cross-border settlements and tokenized finance. Gina suggests that XRP's value could be driven by transaction flow and network utility rather than static market-cap figures. In a thought experiment, Gina posits that if XRP traded at $100 with a circulating supply of 50 billion tokens, it would result in a market capitalization of approximately $5 trillion. However, she notes that this figure overlooks the potential for each token to be reused multiple times daily for settlements, theoretically supporting up to $5 quadrillion in daily transaction flow. This "liquidity velocity" concept suggests that XRP's value could be more accurately reflected by its usage and transaction velocity rather than its market cap. Gina compares XRP's potential role to that of SWIFT, the global banking messaging system, which facilitates trillions in payments without having a market cap. If XRP becomes a utility-first infrastructure for institutions and tokenized markets, traditional market-cap-based valuation models may become obsolete, with adoption metrics and transaction throughput providing a better reflection of value.