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This article is going to be about SAP and their possible integration of XRP and what that would do to the price and future of XRP

Some people have said that November 30th SAP is going to for sure integrate XRP in their update and even without Swift that would make it available to three thousand banks and because of that it will shoot up the price easily past $100

Now I would love for that to happen because that would make me fairly rich but I'm gonna do like a more kind of realistic scenario for this kind of integration merger and what it would do for the price long-term

Will XRP reach one hundred dollars?

yeah, sure in the future may be in like three-five years perhaps maybe even longer than that but by the end of the year there's a lot of obstacles in that way

First of all we don't know if SAP is actually going to integrate XRP on November 30th and this entire kind of premise relies on that people have shown me diagrams and stuff but SAP I know SAP has been integrating has been testing xrp but there's nothing that says they're going to integrate XRP for all their clients it's just like you know how IBM has built that xlm system and even though xlm can't sell payments IBM can through their worldwide payment system IBM has most of the world bank's of clients too but that doesn't mean they're all going to adopt IBM's worldwide payment system and I think it's the same with SAP although it's better for SAP because SAP is kind of an industry standard

So even if they do integrate it November 30th I think only a small amount of banks out of the 3,000 will actually hop on and even of those 3 amount of those small amount of banks they're going to do the rollout slowly because that's just how technical integrations happen these large technological integrations where you basically switching from almost one system to the next they never happen overnight I mean just think about how long it takes your office to upgrade from like Windows 7 to Windows 10 that's not a hard upgrade it's not a huge upgrade either and that can take years you know the medical industry which I used to work in it for a year and a half or so we were doing they did the government mandated electronic medical records you know before I started several years before I started and now and several years afterward they were still integrating I mean we're still integrating right now and it's been 10 years since I worked in that industry

So even the government mandated standard it takes many many years for it to actually roll out and so even if SAP integrates XRP for all their client banks I believe only a small amount of them are going to actually sign on immediately and of those small amount they're going to use it for fairly few transactions at first and the rollout will happen later it's just like XRP has partnered with a network of Japanese banks so partnered with a network of Japanese banks but only three or five of the seventy or so are actually going to use XRP by the end of the year and the rest will start coming on next year and even the three or five they're not going to use XRP for all their settlements and transactions they're going to use it for some so the rollout will be fairly slow that's why I'm sticking with three to five dollars at the end of the year and you shouldn't be upset with three to five dollars because it's still like ten times where it is now so you're making a thousand percent by the end of the year which is not a bad return if you really think about it now I think next year we'll see even a larger price maybe up to the twenty dollar mark as more these systems come in and maybe like in the third year the fourth year will actually hit $100 for XRP but you have to remember the entire market of XRP not ripple assuming that they actually let about a billion XRP flow into the market from their escrow you're pushing up the total supply to close to fifty billion and at $100 that's five trillion dollars that would make XRP easily the biggest cryptocurrency even and Bitcoin would have to rise several times to actually overtake XRP if it was worth that much so you're actually saying that excellent people far surpassed Bitcoin in the next few years and you're saying that ripple as a company because they hold so much escrow will become the most valuable company in the world so you're at $100 even in three years from now you're making a lot of assumptions but I do think it's possible three to five years from now by the end of the year is still three to five dollars because these technological rollouts are slow no like this isn't something you just flip on a switch and you just pull like five trillion dollars out of your ass that's not how anything that's not how any of this works really I mean these bags are gonna need a time to roll out they're gonna need time to make sure there's no bugs and they got to roll out part of their small branches before they really roll out this stuff into their bigger branches like banco santander which is one of the top 20 banks in the world they've already said they're going to use XRP for all those settlements but XRP price didn't jump to like $50 just because of that and if you look at Banco de Santander form the top 20 banks of all you couldn't run you can just cross out the top 4 cuz those are Chinese state banks they're not going to use XRP anytime soon so you can cross that out JP Morgan and chase we actually do know that they have their own system on the etherium blockchain so they're not using XRP Bank of America has I think designed their own system some people think it's a white label version of X rabbit I personally don't think so because that would have leaked and we haven't heard nothing from it so of the top 20 banks you can basically take out six of them as ones that are probably not gonna use XRP anytime soon because they have their own systems or because they're Chinese banks and they just don't use XRP so banco santander is number 16 so essentially you take out the others the six that aren't going to use XRP the possible ones that would you use XRP and a lot of the Japanese ones are on there too well that's basically a top 10 Bank you take out the top six and that's the top 10 bank that owns over 1.7 trillion in total assets they've said that they're going to they've already announced several days ago a week or two ago that they're going to use XRP for all their settlements so according to basically the 589 logic or the people that think that next time piece of a hit nearly a thousand dollars by the end of the year or something like that or even a hundred you know XRP based on that news settling all transactions from one point seven trillion dollar asset bank that would have already carried up to like ten dollars but it's still at 40 cents and that's because the institutional investors I think they realize I mean they're they've been in this game for a while they realized that you don't just flip on a switch and then all of a sudden turns to like one to five hundred dollars that takes time I know that investing in XRP because well one I've heard rumors and others I've seen some of the financial transactions and institutional investors are investing most heavily in BTC and xrp much more than aetherium and litecoin right now so I do believe the institutional investors are pouring money into XRP but the institutional investors also have business experience they realize it's not going up to like you know $100 so they're not rushing to buy and they're slowly increasing the price up but they don't I do not think they expect every single Bank to actually have XRP by the end of the year because remember a lot of the banking institutions are the investors and if they actually had that they actually had that inclination because unlike Bitcoin not that much XRP actually goes over the counter right now a lot of it is on the exchanges and in larger wallets I do expect we'll see a lot more over-the-counter exchanges towards the end of this year especially by the ripple foundation as they sell some of the escrow to the large banks to use in their financial transactions more or less and also I believe some of the larger wallets are probably going to start offloading with some of the banks for money

But generally XRP it will definitely slowly integrate itself into the banking industry it will slowly grow but once again I don't think that's going to be this year like three to five dollars is fair for this year even if and that's even if SAP does integrate XRP on november 30th it might be a little higher than $5 but I don't think you're going to see like $100 by the end of this year even if swift decides to integrate XRP some people are suggesting it would after the Sipos conference I think that might push it up to 10 to $15 because that would jumpstart the integration but I do not see a hundred dollars even if Swift decides to integrate it because I believe that Swift will only use X R P right now for a small amount of their transactions as I slowly turn the entire thing on over the course of years a huge technological jump or breakthrough a generational jump like this from traditional to cryptocurrency it is going to take many years it's not it's not something that you do overnight the systems have to be integrated the bugs have to troubleshoot it and this is not something they are going to rush and plus you have to remember there's a lot of old political resistance within these large banking systems more or less and a lot of the managers are going to resist and it's going to take several years to get a new management or for those guys to change their minds and those guys do run the world of finances

So even though I do believe that XRP will eventually supplant everything or maybe not have anything maybe even some of the new systems that come up will eventually supplant everything it's not going to be within the next few months that's not realistic at all so you know if you're investing you actually have to take the finances the news and look at it from a realistic perspective not just from the I want a Lambo and I want it now perspective that does not make for good investing so you can look forward to perhaps a 1000% increase which is 10x increase from your XRP holdings I think that's a reasonable amount but I don't think you should be buying making plans and buying your private island on your debit card just yet I think you will have to wait a few years I think you will probably eventually get that private island if you hold on through all that time but you might want to delay the plan for a couple of years