What could XRP price be if it handled 25% of the projected value of global remittances by 2029, especially if the market fully priced in its value?

Notably, crypto proponents believe XRP remains undervalued, especially when you consider its speed, scalability, and growing role in cross-border payments. Currently changing hands at $2.22, it still trades below what some say reflects its real-world use. 

Specifically, Ripple continues to build partnerships across key regions, but the market has yet to fully recognize the long-term value behind that adoption.

XRP Set to Capture a Growing Remittance Market

Meanwhile, the remittance market keeps expanding. According to recent projections, the global remittance industry will grow from $782.54 billion in 2024 to $832.57 billion in 2025, marking a steady 6.4% annual growth rate. That same growth pace should carry the industry to about $1.067 trillion by 2029. 

A recent business report suggested that factors such as rising migration, economic gaps between countries, and the spread of mobile and digital financial services could trigger this growth. 

Amid the projected expansion, Ripple has set itself up to take advantage of the change. Specifically, the company has already secured partnerships in high-remittance markets such as Brazil, Mexico, the UAE, Saudi Arabia, Vietnam, and the Philippines. 

Ripple leverages XRP because it processes transactions in seconds using a consensus mechanism that doesn’t rely on energy-heavy mining. The network can handle thousands of transactions per second, making it suitable for the high-volume demands of international payments. 

Moreover, legal clarity has improved, particularly in the U.S., where XRP is no longer treated as a security in retail sales. Importantly, this will allow more financial institutions to now use XRP without fear of regulatory pushback.

XRP Price if It Handles 25% of Global Remittances by 2029

With such an expected growth, we assessed where XRP’s price could go if it plays a major role in global remittances, leveraging a market share-based model. 

Instead of just measuring how much money XRP could move, this model estimates how the market might value its network in line with how investors typically value remittance and payment companies like Visa, PayPal, or Western Union. 

Most of these companies trade at valuations equal to one to three times their annual payment volume. For this analysis, we used a middle-ground 2x multiplier on the projected 2029 remittance volume of $1.067 trillion. This gives the remittance industry an estimated market capitalization of $2.134 trillion by 2029.

If XRP captures 25% of that market cap, it would represent a network value of $533.5 billion. With a circulating supply of 60 billion XRP, the token would need to trade at $8.89 to reflect that value. This alone would mark a strong price increase from its current level.

However, this estimate only reflects XRP’s practical use. In crypto, real-world utility often drives more demand, which in turn brings extra buying pressure. If growing adoption and investor confidence add just a 4x demand premium, XRP’s price could rise to $35.56.

XRP could be on the brink of its most significant rally yet, according to analyst EGRAG Crypto.

In a recent update, he suggested XRP might climb to as high as $37.5 this year. This prediction is based on historical price behavior and the repetition of XRP’s cyclical structure.

XRP Cyclical Pattern Pointing to a Blow-Off Phase

In this analysis on X, EGRAG noted that XRP’s long-term price movement has followed a specific pattern across multiple market cycles. In each instance, the price surged above the Exponential Moving Average (EMA), then retested it before entering an intense rally phase that defined the cycle’s top.

According to the accompanying chart, the first major cycle occurred around late 2017. Specifically, it saw XRP soar by about 2,000% after its EMA retest, reaching a peak of over $3.80.

Meanwhile, in the second cycle during the 2021 rally, XRP gained 455% following a similar structure. Its price lost momentum after reaching $1.96.

Now, EGRAG believes the third cycle is underway, with the retest phase potentially completed in April 2025.

Price Targets: $9.5 for Conservative, $37.5 for Aggressive

Based on historical blow-off moves, EGRAG lays out two projections. If XRP mirrors the second cycle’s more conservative move, a 455% increase from the recent retest point would place XRP at around $9.5.

However, if the pattern plays out like the first cycle, the price could rise by 2,000%, placing the top at approximately $37.5.

Notably, XRP is currently trading at $2.27, and EGRAG’s chart suggests that if history repeats, the conditions are aligning for a potentially parabolic move.

But When?

This latest XRP analysis from EGRAG aligns with his earlier predictions, which highlighted up to three price scenarios based on historical movement. Two weeks ago, he outlined potential targets of $6.70, $13, and $27, depending on how XRP responds to a key moving average crossover.

He emphasized that the 21-week EMA crossing above the 33-week SMA has historically signaled major bullish runs. EGRAG suggested that the next such crossover could occur around September 2025, which could mark the beginning of XRP’s most significant breakout yet.

XRP holders continue to watch for signs of major price movement beyond technical analysis. While some lookout for partnership news from Ripple, others focus on developments regarding ETFs.

Amid the bullish outlook, EGRAG has stressed the importance of remaining disciplined. He advises investors to set realistic targets, stick to a trading plan, and avoid emotional decisions driven by hype.

Famous XRP community figure Alex Cobb issues a bold forecast for XRP, predicting a double-digit price target by the end of 2025. 

Cobb issued the prediction while responding to a critic who publicly declared his hatred for XRP. This comes after XRPL co-founder Arthur Britto broke his 13-year silence on X last month, posting a single emoji. 

As reported earlier, Britto’s sudden reappearance on X sparked reactions among members of the XRP community. Cobb also reacted, sharing a screenshot of an animated King character with the caption, “The lore with XRP is crazy.” 

However, one critic scoffed at the post, saying he hates XRP because of the ‘bullshit’ image Cobb shared. “This isn’t how you build a new foundation.. It is a GD JOKE!!!”  the user wrote. 

You’ll Soon Hate XRP Even More 

Interestingly, Cobb cleverly countered the user’s dismissal of XRP by offering a hyper-bullish price target for the fourth-biggest cryptocurrency by market cap. The popular community figure speculated that the user’s hatred for XRP will intensify later this year when its price soars to $15 by December 2025.  

If the prediction comes true, the hatred Cobb envisages for the critic might manifest as frustration over missing out on massive profits. Cobb’s commentary is a clever way of saying people trash-talking XRP at the moment might regret doing so if its price rallies to $15 by December 2025. 

Path to $15 

The projected $15 target represents a 581% increase from the current price of $ 2.20. Hitting this target would mark a new all-time high for XRP, surpassing the previous $3.84 record set in January 2018 by 290.62%. 

The impact of this surge will be tremendous for early investors. For instance, a portfolio containing 1,000 XRP will increase to $15,000 if the price soars to $15 compared to its current value of $2,200. 

XRP to $15 Price Forecasts 

Meanwhile, Cobb is not the only market commentator who believes XRP could surge to the $15 price target. In May, prominent crypto researcher Rob Cunningham predicted that XRP would rise to around $15 in the short term, attributing the move to supply pressure from Hidden Road’s use of the XRPL. 

Similarly, popular crypto chartist Ali Martinez forecasted XRP’s climb to the $15 territory after the token broke above a multi-year symmetrical triangle. 

Earlier this year, community analyst Zach Rector speculated that XRP could hit the $15 price target if its upcoming spot-based ETFs attract significant inflows. Whether the $15 forecast for XRP will materialize remains to be seen. 

An XRP community figure has analyzed how just 1,000 XRP tokens could be worth millions in the future, when factoring in XRP’s full potential.

XRP Remains Undervalued at $2

Notably, XRP has held steady around the $2 range, but many crypto analysts believe the token still trades far below its true worth. Their argument centers on XRP’s growing utility, especially in global payments. 

As a result, some community analysts have begun estimating just how high XRP’s price could climb once the market fully recognizes its potential.

The latest of these estimations came from The5Blairs, a community figure. In a recent commentary, The5Blairs explained how XRP, at its current price of $2.20 and with 60 billion tokens in circulation, could handle about $1.3 trillion in yearly on-chain volume. 

For context, the calculation uses an annual velocity of 10. Notably, annual velocity refers to how often each token moves through the system each year. The analyst then went on to highlight several factors that could propel XRP to this height.

Factors That Could Push XRP Price Upward

First, he pointed to Ripple’s 1,700 signed non-disclosure agreements with banks, tech companies, and payment platforms. Importantly, these NDAs, revealed through court documents during Ripple’s legal fight with the SEC, show just how deeply Ripple has engaged with institutions exploring XRP’s use.

In addition, The5Blairs highlighted a recent comment from Ripple CEO Brad Garlinghouse. Last month, Garlinghouse predicted that XRP could process up to 14% of SWIFT’s total volume within five years. 

For context, SWIFT, the dominant global financial messaging network, currently routes about $150 trillion each year. If XRP handles 15% of this volume, it could be on track to move over $20 trillion annually just from that channel. However, it doesn’t stop there.

The5Blairs also pointed to XRP’s potential to capture a portion of the derivatives market. Notably, the global derivatives market sits at around $1 quadrillion, and Ripple aims to tap into that as well. 

Also, the DTCC, one of the largest clearing and settlement firms in the world, which processes over $2 quadrillion each year, recently included Ripple and XRP in patent filings related to cross-chain settlement systems. Some believe this could be a sign of a potential integration, but this remains speculative.

How 1,000 XRP Could be Worth $3.38M

Taking all this into account, The5Blairs projected that XRP might handle between $100 trillion and $2 quadrillion in annual transaction flow in the coming years. Specifically, this is 1,538 times more than it currently processes. 

Now, if the circulating supply and velocity stay the same, then XRP’s price would need to grow by the same multiple to support the increased volume. At 1,538 times its current $2.20 value, XRP would trade at $3,380.

This price change would drastically change the future of anyone holding XRP today. For instance, someone with 1,000 XRP, now worth $2,200, would see their stack turn into $3.38 million. Meanwhile, a holder with 5,000 XRP would sit on $16.9 million. Those who own 10,000 XRP would see $33.8 million, and a 50,000 XRP wallet would be worth a staggering $169 million.

As excitement builds around bold XRP price predictions, one crypto pundit is drawing attention to a fundamental contradiction that such valuations might create.

According to “Stellar Expert,” an XRP price of $10,000 would make the XRP Ledger (XRPL) inaccessible to ordinary users. He believes this would undermine the very principles on which it was built.

XRP at $10,000 Would Price Out the Average User

Stellar Expert argues that if XRP were ever to reach $10,000 per coin, the network would no longer serve its intended purpose. 

In his view, at such a high valuation, even basic network operations, such as activating a new account or holding custom tokens, would become prohibitively expensive. This effectively locks out everyday users and small developers.

The XRPL was designed to provide liquidity, speed, and low-cost access. However, Stellar Expert warns that it could become an elite chain, where opening a wallet might cost tens of thousands of dollars.

Notably, the concern centers around XRPL’s base reserve requirement, the minimum amount of XRP to activate a wallet or hold assets on the network. To prevent spam and abuse, the XRPL requires users to hold a small amount of XRP as a reserve. 

Until December 2024, activating an account required 10 XRP. However, a governance vote reduced this requirement to 1 XRP. The cost to open a trustline (used for holding tokens such as stablecoins) now stands at 0.2 XRP.

At today’s price of $2.20, opening a wallet costs just $2.20. But if XRP were to reach $10,000, as some forecasts predict, the same 1 XRP requirement would translate to $10,000. A single trustline would cost $2,000, transforming a low-cost network into a luxury chain.

Essentially, even with recent adjustments aimed at increasing affordability, a skyrocketing XRP price could reverse that progress. This raises the question: Does chasing a sky-high valuation come at the expense of real-world usability?

Community Disagrees

Meanwhile, many in the community disagree. They argue that a high XRP price would not necessarily undermine the network’s purpose. For instance, XRP supporter Maven claimed such views overlook the broader context.

According to Maven, the idea that a high price contradicts the XRPL’s mission reflects a misunderstanding of both economics and the ledger’s technical design. He explains that the XRP Ledger operates in drops, the smallest unit of XRP, not in dollars. Its transaction fees remain algorithmically minimal, regardless of XRP’s market value.

Moreover, wallet reserves, such as the 1 XRP account activation requirement,  are adjustable through governance. This means the network can adapt if XRP’s price rises.

For Maven and others who share this view, whether XRP trades at $0.50 or $10,000, the ledger can still deliver on its core promise of moving value faster and more cheaply than almost any other system in existence.

If you think a high XRP price contradicts its purpose, you misunderstand both economics and the architecture of the XRP Ledger.

Price doesn’t determine utility, design does. The XRPL scales by drops, not dollars. Fees are algorithmically minimal. Wallet reserves are adjustable…

— Maven (@XRPMaven) June 29, 2025