The XRP price is trading around $1.37, but a new outlook from XRP commentator SMQKE is looking away from the short-term chart and back to the long-term utility case. The analyst’s view centers on the simple idea that XRP’s value will not be decided by speculation alone but by whether it becomes a fundamental liquidity asset for international payments. With this in mind, the outlook is that XRP is about to rise to a significantly high and stable value.XRP’s Rise Starts With Bank And Payment Provider AdoptionXRP has always been surrounded by ambitious price projections built around adoption and its proposed role in international fund transfers. Some of these forecasts have stretched as high as $25,000, based on the belief that a large-scale payment utility could eventually transform the cryptocurrency’s market value.SMQKE’s outlook follows a similar adoption-based argument, although it does not attach a specific price target to XRP. Instead, the focus is on how XRP could rise to a much higher and more stable value over time, and it starts with adoption.According to him, the more banks integrate Ripple’s distributed ledger technology for international payments, the more transaction flow can move across the network. This is the foundation of the bullish case: rising usage creates more demand for liquidity, and XRP is designed to sit at the center of that settlement layer.The post also pointed to payment service providers such as Finastra, Volante, and CGI as part of the wider infrastructure that could feed transaction volume into the XRP Ledger.The argument is that these providers can tap into cross-currency real-time gross settlement functions and a neutral liquidity marketplace, creating a larger flow of payments beyond direct bank-to-bank usage. Over time, as banks adopt Ripple’s distributed ledger solution for international payments and payment service providers take advantage of the cross-currency RTGS capability and neutral liquidity marketplace provided by the XRP Ledger, the transaction volumes of the network will grow massively.A $180 Trillion MarketThe number at the center of SMQKE’s post is $180 trillion, which is the estimated annual volume of the international payments market that XRP is positioned to serve as a bridge currency. According to him, XRP is in the right position to become the best liquidity vehicle for these payment markets. That is the size of the market XRP is positioned to serve, and this is another factor as to why the XRP price will surge massively.SMQKE also pointed to XRP’s supply structure as another reason the token could rise over time. XRP’s maximum supply is capped at 100 billion tokens. Although calculations using this number make ultra-bullish price targets unrealistic, the saving grace is that XRP tokens cannot be mined, and the supply will constantly decrease.SMQKE also addressed XRP’s volatility as another factor why it’s set to rise, noting that wider demand could make the price more stable as usage becomes more constant due to a steady demand for XRP as a bridging currency.