Crypto analyst Steph Is Crypto (@Steph_iscrypto) recently shared a comparative chart analysis highlighting a striking similarity between XRP’s current price structure and the historical growth patterns of global payment giants Mastercard and Visa. The comparison suggests that XRP may be positioned at an early stage of a long-term expansion phase, with notable upside potential if the pattern continues to unfold.
At the time of analysis, $XRP XRP is trading around $1.95, a level that could represent a foundational zone rather than a cycle peak.
Mastercard and Visa: The Historical Blueprint
Both Mastercard and Visa followed a remarkably similar price evolution over the years—defined by three distinct growth phases:
Mastercard advanced from approximately $12 to $527.57, delivering a gain of nearly 4,296%.
Visa rose from around $12 to $325.28, representing an increase of roughly 2,611%.
In both cases, price action was not linear. Each stock experienced extended consolidation periods followed by strong impulsive moves, reflecting institutional accumulation and gradual market adoption before rapid expansion.
Applying Historical Growth Models to $XRP XRP
If XRP were to replicate even a portion of these historical trajectories, the upside implications could be substantial:
Applying Mastercard’s 4,296% growth to XRP’s current price projects a theoretical target near $85.72.
Using Visa’s 2,611% increase suggests a potential valuation around $52.86.
While crypto markets differ fundamentally from equities, these comparisons offer a framework for assessing long-term upside, rather than a guarantee of price outcomes.
Phase Progression: Where XRP Currently Stands
The comparative chart outlines three key phases:
Phase 1 – Accumulation & Initial Breakout:
Characterized by long consolidation and early breakout signals. XRP began forming this structure during its early January resurgence.
Phase 2 – Expansion & Secondary Consolidation:
A rapid upward move followed by a controlled pause as the market digests gains.
Phase 3 – Acceleration Phase:
The final structural phase before more aggressive upside momentum.
According to the analysis, XRP appears to be transitioning from Phase 1 into Phase 2, aligning closely with where Mastercard and Visa were positioned before their strongest growth periods.
💥Strategic Outlook💥
For investors and traders, this comparison underscores the importance of structure, patience, and macro context. While past performance does not guarantee future results, the alignment of XRP’s current setup with historically successful payment networks strengthens the long-term growth narrative.
XRP’s positioning as a global settlement and payments-focused digital asset adds further relevance to the comparison. If adoption, regulatory clarity, and market conditions align, the asset could justify significantly higher valuations over time.
Final Thoughts
The Mastercard and Visa comparison provides a measured, historically grounded lens through which to evaluate XRP’s potential trajectory. Rather than focusing on short-term volatility, this framework emphasizes structural development and long-term opportunity.
$XRP reaching double-digit price levels would represent a major shift from its current valuation—but one that becomes increasingly plausible if the outlined phases continue to play out.
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