I think we havent even seen a major bank adopt XRP yet and so when they do, and they will, XRP will keep trending upward.

Will it go up another 10x or 100x? Wow I mean if its the cornerstone of banking in 2020 yes it could, but my expectations are much more modest than that. I am expecting a $5.00 or even $10.00 XRP by 2020.

But I base that on an expectation of growing, wide scale implementation, by banks, of the XRP through the Ripple net project.