If you look at XRP with a Total Supply XRP of 100 billion coins with a fully diluted market cap of $184 billion, it's still a long way from reaching the supply limit of 100 billion coins. About XRP because I don't understand the fundamentals, it goes up if crypto YouTubers with lots of subscribers talk about XRP.
The figures about total supply and the current market cup, and therefore the price itself, are actually completely unbelievable.
The most important thing about the fundaments of XRP is that it is a centralized currency, so it is only up to the will of its creators how and when these numbers will change.
XRP is only a speculative currency and there is no investment value behind it. (maybe apart from cheap and quick transfers)