Expert Says a $3 XRP Can’t Sustain a Tokenized Future Worth Trillions; Price Must Rise

As stablecoins and tokenized assets scale into the trillions, a crypto founder argues that XRP current price is unsustainable for the financial role it’s expected to play.

This perspective comes from Versan Aljarrah, co-founder of Black Swan Capitalist. In a tweet, he stressed that the current price of around $3 is incompatible with its anticipated role in powering the next wave of tokenized finance.

Specifically, Aljarrah stated that if institutions and market participants will use stablecoins for purchasing Treasury debt, digitizing government expenditures, and settling trillions in tokenized assets, it won’t be possible to do so with XRP trading at $3.

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This statement comes as global finance moves decisively toward on-chain settlement, with stablecoins and tokenized treasuries at the heart of the transformation. Given XRP’s role in this space, Aljarrah argues that its price must reflect its utility.

XRP Amid Trillions in Tokenized Assets

For years, Ripple has been positioning XRP as a central asset for real-world asset settlement, cross-border transactions, and institutional finance. Citi and Boston Consulting Group project the tokenization of traditional assets, from Treasuries to real estate, to reach $16 trillion by 2030.

At such valuation, the role of bridge assets like XRP becomes increasingly critical. A low unit price, as Aljarrah implies, would limit XRP’s scalability and capital efficiency in high-value, institutional-grade settlements.

For context, as the XRP Army often notes, XRP’s $174 billion market cap does not provide sufficient liquidity to handle transactions in the trillions. However, if the market cap rose, say, $59 trillion, it might.

At that massive scale, the implied unit price would align with $1,000 per XRP. As a result, proponents argue that the coin cannot remain low-priced if it is to play a meaningful role in global payments.

This echoes recent arguments from other XRP analysts, including Jake Claver, director of Digital Ascension Group, who predicts XRP could reach $1,500–$2,000 under certain global conditions.

Claver points to XRP’s potential role during financial crises, noting that institutions will require a liquid, neutral bridge asset. He argues that as legacy systems come under strain, XRP could emerge as the preferred solution for high-value settlements.

Stablecoin Backing and Expanding Treasury Markets

In May, U.S. Senator Bill Hagerty projected that firms issuing stablecoins could grow to be the largest holders of U.S. Treasuries by 2030. He sees them absorbing over $1 trillion in demand.

Meanwhile, Ripple has entered the stablecoin market with RLUSD, a dollar-backed token supported by U.S. Treasuries and cash equivalents. As of now, RLUSD has reached a market cap of $577 million in just eight months since its launch.

Earlier reports of Ripple’s $4–$5 billion bid to acquire USDC’s issuer Circle, though ultimately unsuccessful, highlight an intent to scale RLUSD into a major player, possibly rivaling USDT.

Should Ripple aggressively grow RLUSD, XRP could benefit further, as RLUSD runs on the XRP Ledger and uses XRP for transaction fees.

Combined with XRP serving as a bridge between tokenized stablecoins, real-world assets, and global currencies, XRP supporters believe a higher price is necessary to match the scale of liquidity required.

Enthusiasts often speculate that even if XRP were to handle just 1% of the multi-trillion-dollar volumes of financial giants like SWIFT, its price would need to rise substantially from the current ~$3 level.

Ripple’s acquisition of prime broker Hidden Road, which has connections to a U.S. settlement system handling $11 trillion in daily turnover, further fuels speculation and hope surrounding XRP’s price potential.