XRP Price Could Skyrocket, Says Analyst Citing Templeton Report

TLDR

• A crypto researcher known as SMQKE believes XRP could reach extremely high values based on a Franklin Templeton report.
• The report was written by Sandy Kaul from Franklin Templeton and was published in July 2025.
• Kaul argued that blockchain networks can now capture value unlike early internet protocols which lacked monetization tools.
• SMQKE said XRP plays a key role in Ripple’s system for global value transfer and deserves higher valuation.
• The researcher compared XRP to core internet protocols but said this time the network includes a native financial asset.

An anonymous crypto researcher has linked a Franklin Templeton report to predictions of “incomprehensibly high” XRP price levels, citing institutional insights, protocol value mechanics, and evolving perceptions around blockchain networks during an appearance on the AllInCrypto podcast, where he discussed the growing case for rethinking the valuation of network-native assets like XRP, XLM, and HBAR.

Franklin Templeton Report Sparks XRP Price Theory

Crypto researcher SMQKE referenced a July 2025 paper from Franklin Templeton to support his case for extreme XRP valuations. The report, titled Revolution, Not Evolution: The Crypto Dilemma, was authored by Sandy Kaul, Head of Innovation at Franklin Templeton. Kaul examined why digital assets remain misunderstood despite their rapid development.

She explained that many investors still associate crypto with anti-establishment movements and early underground uses. However, she argued that this outdated view overlooks how decentralized networks now function as viable businesses. She added that these networks create unique economic systems, despite lacking executives or traditional corporate structures.

Kaul compared blockchain protocols to internet systems like TCP/IP and DNS, which enabled global digital infrastructure. These early protocols changed commerce and communication but lacked financial mechanisms to capture their own value. “If they had been monetizable,” she wrote, “their values would have been incomprehensibly high.”

XRP’s Role in the Ripple Protocol

During the podcast, SMQKE connected this idea directly to XRP, calling it the native token that powers Ripple’s global value-transfer system. He emphasized that XRP functions at the core of a network designed to move value across borders. According to him, this embedded utility gives XRP a role that previous internet protocols never had.

He argued that discussions around low XRP prices fail to capture the system’s global scope. “Talking about $2 doesn’t match the network’s scale,” he said, while declining to name specific price targets. Instead, he stated that assigning meaningful value to the asset leads to entirely different projections.

SMQKE claimed that XRP is the first time in internet history that a base protocol carries a native financial asset. He explained that this allows the protocol to monetize its value directly through token use. He said this feature marks a shift from earlier technology layers that generated trillions without direct asset valuation.

Ripple, Stellar, and Hedera Mentioned as Comparable Models

SMQKE also referenced other projects that use similar models, such as Stellar and Hedera. These networks also include native tokens—XLM and HBAR—which operate as core components of their protocols. He suggested these assets similarly benefit from direct network monetization.

He explained that these blockchains provide infrastructure where the token is part of the system’s internal function. That design, he added, could unlock high valuations as the networks grow. Still, he placed emphasis on XRP due to its role in international remittance and settlement.

Kaul’s paper described crypto protocols as open-source systems that function without traditional financial reporting tools. This perspective supported SMQKE’s view that assets like XRP deserve reconsideration from a valuation standpoint. He suggested that protocols could now capture what earlier internet layers could not.

SMQKE acknowledged that institutional skepticism remains widespread despite increasing regulatory clarity. However, he believed that the Franklin Templeton report helps bridge the understanding gap. He said the paper shows that crypto now holds structural advantages the early internet lacked.

Kaul pointed out that many investors still misinterpret blockchain economics because they view tokens as speculative. Yet, she wrote that these assets support real transactions and build long-term ecosystem incentives. Her report aimed to shift this perception across traditional finance sectors.

During the podcast, SMQKE summarized his stance by saying, “The value layer of the internet finally has an asset. That changes everything about pricing.” He stressed that this changes the conversation around XRP price projections. He said investors must consider network functionality when estimating future values.

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