Here is XRP Price if It Captures 25% of $10T Cross-border Liquidity Held by Banks and Institutions

XRP has the potential to reach greater heights if its growing utility in cross-border payments allows it to capture a substantial part of the market.

Notably, XRP has faced repeated hurdles trying to break past the $3 mark over the past five months. However, despite the setbacks, including the most recent one, several market participants remain optimistic. 

Some analysts believe the token could be preparing for a major rally. Interestingly, others believe XRP’s growing utility in cross-border payments could allow the asset to reach much greater price levels. 

XRP’s Potential in an Expanding Cross-border Payments Market

Specifically, if XRP becomes a go-to solution for moving money across countries, it could see major gains. However, XRP’s future price in this scenario still depends on how much liquidity banks and financial institutions actually use for international transfers.

Notably, there are no specific figures around this data. A more realistic estimate relates to the global M2 money supply, which includes cash, checking deposits, and other liquid assets. 

According to an April 2025 disclosure from macro analyst Marty Party, the U.S., China, Japan, and the European Union together held about $83.37 trillion in M2. However, it is important to note that not all of that money is used across borders. 

Historical data from the Bank for International Settlements helps narrow this down. It shows that banks typically hold 10% to 15% of global M2 as cross-border reserves and claims. That means actual cross-border liquidity likely sits between $8 trillion and $12 trillion, an average of $10 trillion.

Now, to ascertain XRP’s potential price if it captured a considerable portion, say 25% of this figure, we turned to OpenAI’s LLM model ChatGPT. At the time of the assessment, XRP traded at $2.23 and had a circulating supply of 58.82 billion tokens.

XRP Price if It Captured 25% of $10T Cross-border Liquidity

In response, ChatGPT broke the estimate into two main approaches. In the first scenario, it assumed XRP would need to fully back the entire $2.5 trillion in value (which is 25% of $10 trillion). 

Notably, this would mean every dollar flowing through the system must be matched by XRP’s market value. Dividing $2.5 trillion by the total supply of tokens would bring XRP’s price to around $42.50.

Meanwhile, in the second scenario, ChatGPT considered how quickly XRP might move through the system, representing its “token velocity.” 

If each token gets reused several times in a year, then the system needs less total value locked up in XRP at any given moment. With a velocity of 5, for example, the system would only need $500 billion in XRP to support $2.5 trillion in annual flows. That would bring the token’s price to about $8.50. 

Interestingly, ChatGPT also showed other possibilities. For instance, if XRP’s velocity reached 10, the price would fall to around $4.25. However, if the token turned over just twice a year, the price would jump to $21.25.