Here’s XRP Price if Ripple Captures 40% of B2B Payments Market Projected to Hit $50T by 2032

With Ripple targeting the B2B cross-border payments scene, the XRP price could see a massive boost if the firm captures 40% of the market.

Notably, when Western Union revealed plans to pilot its stablecoin on the Solana network, several figures in the crypto community took aim at XRP. They pointed out that Western Union chose Solana despite years of experimenting with the XRP Ledger (XRPL) tech.

Ripple Focusing on the Larger B2B Payments Segment

However, the XRP community has fired back. For instance, a community member named Anderson claimed that the market Ripple has chosen to focus on far outpaces Western Union’s in terms of size.

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According to him, while Western Union mainly handles consumer-to-consumer (C2C) transactions, Ripple targets the much larger business-to-business (B2B) segment. Anderson claimed that the B2B market reached $187 trillion in 2024, but this was not quite accurate.

Notably, financial data firm FXC Intelligence revealed that the B2B cross-border payments market, which includes payments between companies in different countries that support global trade, stood at about $31.6 trillion in 2024. 

FXC Intelligence described the sector as opaque, which makes exact figures hard to determine. However, it expects the market to grow by 58%, reaching $50 trillion by 2032, with a compound annual growth rate of 5.9%.

What if Ripple Captured 40% of the B2B Payments Market?

Even though Anderson’s estimate missed the mark, his larger point remained valid. Ripple’s focus on the B2B space gives it a much bigger opportunity than Western Union’s consumer market. 

If Ripple expands to take a large share of the market, say 40%, this achievement could have some positive impact on the price of XRP, which serves as the gas token of the XRPL. However, the actual impact remains unclear.

So, we asked AI chatbot ChatGPT what might happen to XRP’s price if Ripple secures 40% of that projected $50 trillion B2B market by 2032. For context, this share would represent over $20 trillion in payments running through Ripple’s systems. At the time of the inquiry, XRP traded at $2.20.

Factors to Consider

ChatGPT noted that XRP’s value wouldn’t depend on the total $20 trillion in transaction volume but rather on the amount of liquidity needed to move that money smoothly. 

The chatbot noted that XRP would act as a bridge asset, quickly circulating to process multiple payments per day. Still, it said that high-value, high-frequency settlements would demand deep liquidity, possibly locking up tens or even hundreds of billions of dollars’ worth of XRP at any time.

The chatbot also highlighted that banks, payment providers, and corporations might hold XRP to maintain liquidity and reduce slippage. Such holdings could tighten supply and push prices higher.

Speaking further, ChatGPT added that speculation and institutional positioning would likely increase this effect. If XRP became a major part of a multi-trillion-dollar global payment network, rising adoption and investor confidence could feed into each other and drive prices higher.

According to ChatGPT, XRP’s speed of circulation or “velocity” would also be important. Specifically, the faster XRP changes hands, the less it needs to be worth per unit. But as more countries and institutions build payment corridors using XRP, each one would need deep liquidity pools.

XRP Price Projections

Based on these factors, ChatGPT outlined a bullish range of possible prices. In a moderate scenario where Ripple handles major corridors like USD/EUR and USD/JPY without total global control, XRP could reach $25 to $50. 

However, if Ripple becomes a mainstream settlement network for 30% to 40% of global B2B payments, the token could rise to between $100 and $500. In a more bullish case, where XRP becomes a global standard for cross-border liquidity, its price could soar past $1,000.

ChatGPT explained that even at $100 per coin, XRP’s total market value would still be small compared to the trillions it helps move each year. Nonetheless, because XRP’s strength rests in its utility, not storage, this price level could still support turnover of more than $20 trillion annually.