Here’s XRP Price if XRP Becomes the Neutral Bridge Banks Use When They Don’t Trust Rival Stablecoins

XRP community pundits have insisted that XRP could still act as the neutral bridge when banks and financial institutions fail to trust their competitors’ stablecoins.

Notably, the push toward tokenizing real-world assets has gained momentum, and stablecoins, which represent tokenized versions of fiat currencies, appear to be riding on this trend, especially following the passing of the GENIUS Act last year.

Banks and major financial firms have now expressed interest in launching their own stablecoins. PayPal, WLFI, and Ripple already entered this space, and more institutions continue to follow. 

Growing Interest in Institutional Stablecoins

Now, with so many stablecoins emerging in the market, critics have suggested that XRP’s role as a cross-border bridge that facilitates cheaper and faster settlements could become obsolete, especially as these institutions choose to use their own stablecoins for such settlements, amid a surge in the trend.

For instance, last month, SoFi Bank, N.A., introduced SoFiUSD, making it the first national U.S. bank to release a fully backed stablecoin. It launched the token on a public blockchain, beginning with Ethereum, and offers instant settlement features along with support for partner institutions.

In Europe, major banks, including Danske Bank, ING, DekaBank, UniCredit, SEB, Banca Sella, Raiffeisen, KBC, and CaixaBank, introduced plans for a euro stablecoin that complies with MiCA rules. They set up a new entity in the Netherlands to run it, with BNP Paribas joining the group in December. The consortium expects to launch the token in the second half of 2026.

Three months ago, ten major banks, including Goldman Sachs, Bank of America, UBS, Deutsche Bank, Santander, Barclays, Citigroup, MUFG, and TD Bank, revealed early work on a stablecoin backed by G7 currencies. This followed July 2025 comments from the CEOs of Bank of America and Citigroup, confirming that both institutions are already exploring stablecoins.

“XRP Could Act as a Neutral Bridge”

Notably, these developments have led several observers to predict that XRP could lose relevance. However, XRP proponents believe the opposite. They argue that banks will avoid relying on stablecoins issued by their competitors.

Jake Claver, the CEO of Digital Ascension Group, shared similar sentiments in a recent commentary. Speaking on X, he said banks will hesitate to trust each other’s digital currencies, which could increase the amount of money locked in nostro and vostro accounts. 

These accounts already hold about $27 trillion globally, and Claver believes the figure could grow beyond $50 trillion as tokenization spreads. He expects that pressure to push institutions toward a neutral bridge asset, suggesting that XRP fits that role because no single bank owns or issues it.

Possible XRP Price

If this projection plays out, the impact on XRP price could be substantial. As a result, we asked Grok from xAI to assess how XRP’s price might respond if banks rely on it instead of competing stablecoins in a market where the value in nostro and vostro accounts surges to $50 trillion.

In response, Grok said XRP could benefit if it replaces pre-funded accounts with real-time settlement. In such a scenario, the AI chatbot estimated that XRP could reach between $100 and $250 by 2030 if it handles 10-20% of global settlement flows. 

For context, this price would represent a 50-100x increase from today’s price of around $2.11. Speaking further, Grok added that adoption, liquidity growth, and Ripple’s continued rollout of On-Demand Liquidity would drive that outcome.

However, it is important to note that there’s no guarantee Claver’s suggestion will play out. In addition, even if banks and financial institutions move toward using XRP when they fail to trust competitors’ stablecoins, it remains unclear how the XRP price could react to such newfound utility.