Here is the Potential XRP Price if 10 Banks Deposit $10 Billion Into RLUSD

Ripple’s stablecoin, RLUSD, continues to grow quickly, but most XRP proponents still question how this growth helps XRP. 

For context, nearly a year after its launch, RLUSD now has a market value of about $1.335 billion, placing it among the top stablecoins. Despite this, discussions have emerged over whether RLUSD can drive real demand for XRP.

Amid these talks, Xaif, an XRP community member, shared an explanation from ChatGPT. The community member asked how RLUSD could benefit XRP, and ChatGPT presented a scenario where RLUSD acts as a stable entry point for institutions that want to buy XRP.

How RLUSD Could Hypothetically Benefit XRP

The chatbot explained that banks could use RLUSD instead of traditional dollars when purchasing XRP. Because RLUSD stays tied to the U.S. dollar, it removes price swings during transactions. 

This stability would allow institutions to place very large buy orders with greater confidence. As banks use RLUSD to buy XRP on exchanges, these purchases absorb lower-priced sell orders in the market.

Once buyers clear those cheaper sell orders, XRP’s price would move up to higher levels in the order book. ChatGPT noted that this process can push prices higher very quickly, especially when large orders hit the market. 

ChatGPT then used a hypothetical instance. In the example, a bank converts $1 billion into RLUSD and holds it on a Ripple-supported platform. The bank then uses that RLUSD to buy XRP. If sellers offer XRP at $0.50, $1.00, and $5.00, a large purchase would quickly remove the lower-priced supply. 

After that, XRP would begin trading closer to $5.00 or higher. The bank would then use XRP for cross-border payments, while RLUSD continues to serve as the stable funding tool.

ChatGPT stressed that RLUSD could support XRP by speeding up transactions, improving liquidity for large trades, and reducing exposure to currency fluctuations. Reacting to this, Xaif suggested that this could be how the RLUSD “dramatically” increases XRP’s price.

XRP Price if 10 Banks Deposit $10B Into RLUSD

To assess a larger outcome, we asked Google Gemini to evaluate what could happen if 10 banks deposit a combined $10 billion into RLUSD. Gemini called this a bullish but theoretical situation and suggested XRP could trade between $5.00 and $12.00 if such inflows occur.

According to Gemini, RLUSD and XRP work together within Ripple’s On-Demand Liquidity system. It then called attention to a multiplier effect, where institutional inflows often increase a cryptocurrency’s market value by several times. 

With a conservative multiplier of 20x to 50x, Gemini estimated that a $10 billion RLUSD base could support a $200 billion to $500 billion increase in XRP’s market cap. At current supply levels, that growth would push XRP beyond its previous high of $3.84 and place it in the $5.00 to $8.00 range.

Gemini then highlighted a higher-demand scenario where banks actively use RLUSD and XRP for cross-border settlements rather than holding RLUSD idle. In such a setup, the chatbot noted that some analysts expect XRP to reach between $10.00 and $12.50.

Despite the positive outlook, Gemini pointed out that these estimates remain speculative. Notably, XRP’s price will still depend on overall market conditions, Bitcoin’s performance, and regulatory developments.