Ripple’s XRP has long been one of the most promising tokens in the payments space. With regulatory clarity finally improving in the United States, talks of American banks using XRP for domestic settlements are intensifying. If that adoption materializes, XRP could unlock massive price potential, possibly climbing toward double digit territory. At the same time, a new meme coin challenger is carving its own lane with infrastructure, utility, and viral energy. Pepeto is building something no meme coin has ever attempted, and some analysts argue its upside could outshine even XRP in 2026.
XRP Price Prediction if U.S. Banks Adopt It for Settlements
Federal Reserve data show that U.S. banks settled approximately $28.27 trillion in 2024 through the National Settlement Service, equivalent to roughly $77.45 billion daily. If XRP were to integrate into this process, the scale would far outpace its current trading activity. At today’s price of $1.44, XRP commands a market cap of about $82 billion according to CoinDesk.
To match the NSS daily flow, estimates suggest XRP would need to rise significantly, putting it near $10 to $15 per token. If banks hold XRP as reserves and speculative demand surges, analysts believe XRP could stretch into the $25 to $50 range. This would make XRP one of the most valuable assets in the payments sector, but the timeline depends heavily on regulatory clarity and actual bank level integration.
A Korean Elliott Wave analyst recently stated that the technical structure is finally coming together for XRP, with both large and small timeframe accumulation confirmed. The token bounced 6% in 24 hours this week, though it remains down 28% on the monthly chart.
Pepeto: The Meme Coin That Disrupts With Real Trading Infrastructure
While XRP is banking on institutional adoption, Pepeto is rewriting the playbook for meme coins entirely. Instead of being just another token riding hype, Pepeto is building complete meme coin trading infrastructure with three products announced by the team and close to being ready.
PepetoSwap will eliminate the friction that meme coin traders face when bouncing between five different platforms. A cross chain bridge approaches deployment, solving the fragmentation problem where billions in meme coin value sits trapped on isolated networks. A dedicated exchange enters final development, purpose built for the unique trading patterns that meme coin communities demand. This is not just hype. It is infrastructure meeting virality at a scale no meme coin has ever attempted.
The 420 trillion token supply creates billion token wallet positions at just $0.000000186. Dual audits from SolidProof and Coinsult give the project security credentials that most meme tokens lack at launch. Staking at 211% APY rewards holders while products approach deployment. Zero transaction tax attracts both retail investors and large holders, creating accumulation patterns visible across presale wallets.
Why Analysts Say Pepeto Could Outperform XRP’s Projected Gains
Even if XRP rallies to $50, that represents roughly a 34x return from current levels. Impressive, but limited by its massive circulating supply and $82 billion market cap. Pepeto, however, starts from micro cap territory and can potentially deliver the kind of parabolic moves only early stage meme coins can produce according to Forbes.
Analysts project that Pepeto could surge dramatically post launch, driven by its micro cap advantage where it is easier to multiply from a tiny base than from XRP’s $82 billion. The hype to utility cycle combines viral buzz with three real products approaching launch. Early exchange listings could ignite price discovery beyond the presale’s modest valuation. Retail magnetism draws buyers through billion token wallet screenshots and the God of Frogs cultural narrative.
Nvidia just posted record $68.1 billion quarterly revenue, briefly pushing BTC above $70,000 before settling at $67,766. ETH holds $2,047. SOL sits at $87. ADA leads majors with 7% weekly gains. The recovery backdrop creates ideal conditions for a presale gem to capture massive attention.
Stability Versus Explosive Growth
If U.S. banks adopt XRP for domestic settlements, its price could move into double digits justifiably. That alone makes XRP a strong contender for long term portfolios. But when comparing profit multiples, Pepeto clearly outshines. A $1,000 investment at $0.000000186 becomes $271,000 at $0.00005. A $2,000 position crosses $543,000. By building three products simultaneously with infrastructure the meme coin market has never seen, Pepeto has the tools to become the next DOGE or SHIB moment. The presale is live and stages disappear fast.
