Finance commentator Zach Rector has uncovered a $30 trillion market opportunity for XRP over the next decade.
In a recent breakdown, Rector highlights how the tokenization of real-world assets (RWAs), institutional adoption, and Ripple’s expanding infrastructure are creating a multi-trillion-dollar opening for XRP.
Tokenization Market Set to Explode Toward $30 Trillion
According to Rector, the emergence of tokenized assets across real estate, private equity, debt markets, and commodities marks “the single greatest opportunity in all of finance,” second only to global payment flows.
While XRP’s role in payments is well-known, he argues the next phase of growth lies in bridging tokenized assets and providing liquidity for institutional-grade digital finance.
Citing Ripple and BCG projections, Rector noted that tokenized assets could reach $12–23 trillion by 2033. A conservative estimate suggests $20–30 trillion moving on-chain over the next decade.
“Whether we hit $30 trillion in 2030 or 2035, we’re moving in that direction,” he said.
Clarity Act and Institutional DeFi to Accelerate Adoption
Furthermore, Rector claimed that the upcoming Clarity Act will open the door for major institutions to enter the DeFi space on the XRP Ledger.
“We haven’t seen big DeFi on XRP yet because retail speculators and investors in XRP just want to hold on to it and hoard our XRP,” he noted.
Meanwhile, in his view, once the regulatory clarity arrives, the XRP ecosystem will see institutional DeFi take off. Rector noted the process will unfold and accelerate from now until 2030 and beyond, not overnight.
Ripple Partnerships Set the Stage for Real-World Utility
Meanwhile, the XRP Ledger (XRPL) has already begun attracting major names in global finance. Rector highlighted announcements that BlackRock and VanEck are working with Securitize to tokenize money market funds, allowing fund holders to redeem assets directly on-chain using RLUSD.
These developments come alongside Ripple’s acquisitions of GTreasury, which connects the company to thousands of banks and institutions, and Hidden Road, a prime brokerage platform for high-net-worth clients and institutions.
Hidden Road, now Ripple Prime, plans to migrate post-trade settlement to the XRP Ledger, enabling “clearance of trillions of dollars of flows at fractions of a cent,” according to Rector.
Liquidity, Not Just Tokenization, Will Drive XRP Price
Notably, Rector stressed that tokenization alone does not necessarily translate into price appreciation for XRP. “Just because you tokenize $10 trillion of assets on-chain doesn’t mean XRP automatically goes up,” he said.
To him, the key factor is trading and liquidity flows between tokenized assets. He pointed to Ripple’s growing network of banks and institutions, the development of on-chain automated market makers (AMMs) and a native decentralized exchange (DEX), and the XRPL’s compliance-ready design as reasons why the ledger is “perfectly positioned” to host large-scale institutional liquidity.
While he acknowledged the speculative nature of predicting price outcomes, Rector believes XRP is at the center of the next wave of financial transformation.
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.
