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The potential of XRP's cross-border payments is worth paying attention to. From a technical perspective, XRPL as an open blockchain network offers new possibilities for global capital flows. Industry insiders point out that as international payment scenarios expand and applications grow, the value space of XRP could far exceed expectations — moving from the current price level to the $20-$250 range is not entirely impossible. Furthermore, if XRPL can be widely adopted in cross-border settlements, even replacing some traditional payment channels, then the flow of trillions of dollars in global liquidity into this network becomes an imaginable future. Of course, this requires more practical applications to be implemented and market recognition to support it. Overall, the development of the XRPL ecosystem indeed provides XRP holders with a long-term observation window.