What could XRP price skyrocket to if it powered remittances across both Africa and Asia?
Notably, while XRP recently bounced back to $3.17, many believe it’s still trading far below what it’s really worth. One of the biggest reasons behind this belief is its role in payments. With that in mind, we recently explored what XRP could be worth if it became the go-to solution for sending money across Africa and Asia.
Remittance Volume in Asia and Africa
Right now, the combined value of remittances going into both regions is estimated at around $491 billion each year. Africa accounts for about $95 billion of that, led by countries like Nigeria, Egypt, and Morocco.
Meanwhile, Asia received the bulk of the flow, between $390 billion and $396 billion a year, making it the largest remittance market globally. Notably, if XRP powered all of this movement, its price could be significantly higher.
When we asked ChatGPT for valuation models, the chatbot presented three possible scenarios, each based on the idea that XRP takes over this huge market and becomes a major part of the financial system in these regions.
XRP Price if It Powered Remittances in Asia and Africa
In the first model, ChatGPT assumed that XRP wouldn’t just move the money but also serve as the reserve asset behind it. To support the $491 billion in yearly remittances, it applied a 4x multiplier to account for liquidity needs, regulations, and volatility buffers.
This put the target value at $1.964 trillion. When divided across XRP’s current circulating supply of 59.23 billion, this model pointed to a price of $33.15.
Meanwhile, the second model imagined that XRP moves the entire remittance volume and also becomes a highly sought-after asset, with 60% of its supply locked up in custody, staking, or treasury reserves.
Such a scenario leaves about 23.69 billion XRP in active circulation. With demand still high and fewer tokens in the market, the price would need to jump to around $20.72 to match the remittance value.
However, the third model leaned on XRP becoming a financial asset. ChatGPT suggested that banks, fintech firms, and governments could start holding XRP, much like they do gold, to help stabilize remittance systems.
With the application of a 4x multiplier to the remittance flow and adjusting for token velocity, the model reached a projected value of $1.636 trillion. This would push XRP’s price to around $27.62.
Ripple Already Penetrating Asia and Africa
Notably, it bears mentioning that Ripple is already penetrating these regions. For instance, in Africa, the company has teamed up with Onafriq (formerly MFS Africa) to open blockchain-powered payment routes across 27 countries.
It also partnered with Chipper Cash in early 2025 to offer faster, cheaper global payments into nine African nations. By mid-2023, Ripple’s On-Demand Liquidity was already in use in 13 African countries, including Egypt, Kenya, and South Africa.
Meanwhile, in Asia, Ripple has secured major partnerships and licenses. It runs its Asia-Pacific operations from Singapore, where it holds a full license. Also, it launched a dedicated fund to support blockchain innovation in Japan and South Korea and expanded its university program with a $5 million investment across six countries.
In Japan, the company is working with HashKey DX to bring XRP Ledger-based finance solutions to the supply chain sector.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
