Here Is the Price of 1 XRP if XRP Powers 25% of All Remittances Globally

How high could the XRP price surge if XRP powered 25% of all remittances globally instead of capturing the broader payments market?

With XRP currently changing hands around $2.25, it has witnessed a remarkable 38,148% increase since its earliest trading days, according to CMC data. However, multiple long-time proponents insist that the altcoin trades far below what its real utility suggests. 

XRP’s Role in Payments

Specifically, they argue that XRP could climb sharply once it gains a meaningful share of global payments. Last December, crypto researcher SMQKE suggested that XRP stands ready to act as the leading liquidity asset for international fund transfers. He called attention to the enormous payments market that moves trillions annually.

Meanwhile, research groups have made equally bold projections. According to SMQKE, analysts from McKinsey and Delphi Digital expect Ripple to secure as much as 80% of worldwide cross-border payment flows within the next ten years. 

In October 2025, market commentator XFinanceBull added that XRP and XLM do not compete. He said they operate like a joint force built to improve a $150 trillion payments industry. 

To him, XLM handles the consumer side, including low-cost personal transfers, remittances, digital wallets, and financial access for underserved regions, while XRP manages institutional duties through treasury operations, cross-border banking, and enterprise finance. 

Also, former Ripple Managing Director Navin Gupta expressed the same ambition earlier when he said Ripple intends to play a major role in global finance. He highlighted that cross-border remittances represent a $155 trillion challenge and stated that Ripple plans to take it on directly.

What if XRP Powered Remittances Alone?

Amid these bullish sentiments, we recently examined how XRP’s price could react if it captured only the remittance market rather than the full cross-border payments sector. For context, remittances represent personal transfers sent by migrant workers to their families. 

Specifically, they remain a smaller component of global flows, totaling nearly $900 billion a year, according to 2024 estimates, while overall cross-border payments rise to roughly $190 trillion. 

In 2024, remittances to low- and middle-income countries reached $685 billion, rising 5.8% from $656 billion in 2023. However, when including high-income economies, total remittances hit $905 billion, marking a global growth rate of 4.6%, up from $865 billion a year earlier. 

XRP Price if It Captures 25% of Global Remittances

Considering these figures, we assessed how XRP might perform if it powered 25% of global remittance flows. Nonetheless, exactly how this could impact the XRP price remains uncertain. As a result, we turned to Google Gemini. 

Notably, Gemini first calculated the share of the $905 billion global remittance market and arrived at $226.25 billion a year. It then used a utility-based liquidity model and noted that a payment asset does not need a market value equal to the total yearly volume it processes. 

For its first estimate, it applied a 10% liquidity requirement, which produced a market cap of $22.625 billion. Gemini then leveraged a 50x multiplier on the captured volume, which resulted in a projected capitalization of about $11.31 trillion.

With the XRP circulating supply currently sitting at 60 billion tokens, Gemini calculated a possible price of roughly $188.50 per token.

Notably, at the $11.31 trillion market cap, XRP will have overtaken all the top banks in the U.S. and across the globe in terms of valuation, sitting pretty as the second-largest asset in the world, only behind gold. Specifically, XRP will have surpassed JPMorgan Chase ($842 billion), Agricultural Bank of China ($401.35 billion), Bank of America ($386 billion), and ICBC ($380 billion). However, this remains highly speculative.