Ripple has quietly acquired brokerage firm Hidden Road, which handles up to $11 trillion in daily settlements. This move could dramatically strengthen Ripple’s position in institutional finance — and potentially drive the value of XRP to $20 or more.
Hidden Road: Ripple’s Gateway to Massive Financial Flows
Hidden Road is a member of the Fixed Income Clearing Corporation (FICC), which processes over $11 trillion daily in U.S. government securities and other financial instruments. With this acquisition, Ripple gains direct access to this financial infrastructure — opening the door for the XRP Ledger (XRPL) to play a key role in settlement.
Even if just 1% of this volume moved through XRPL, that would represent $110 billion per day, which could significantly impact XRP’s price. Currently, XRP trades at around $2.45, with 58 billion tokens in circulation.
RLUSD for Settlements, XRP for Transaction Power
Ripple is also introducing a new stablecoin, RLUSD, for U.S. dollar settlement. However, every transaction on the network incurs a small XRP fee, which is burned, gradually reducing supply.
While the burn effect may seem minimal at first, widespread adoption over time could create sustained demand and value for XRP.
Three Possible Scenarios for XRP Price Growth
Scenario 1 – Low adoption (1% of $11 trillion):
🔹 About 110,000 daily transactions
🔹 1.1 XRP burned daily
🔹 Minimal short-term impact, but a positive signal for adoption
Scenario 2 – Medium adoption (5%):
🔹 Roughly 550,000 trades per day
🔹 Around 5.5 XRP burned daily
🔹 XRP could reach $10–15 with increased liquidity and use
Scenario 3 – High adoption (10% or more):
🔹 Over 1 million daily transactions
🔹 10 XRP burned daily
🔹 Demand and network effects could push XRP beyond $20
Why XRP Could Reach $20
🔹 Institutional demand for blockchain-based settlement
🔹 Fixed supply – capped at 100 billion XRP
🔹 Narrative strength: “Ripple + $11 Trillion” could spark a rally
🔹 Historical precedent: XRP once surged from $0.006 to $3.30
And don’t forget: in 2021, Bitcoin hit $69,000 based on institutional speculation. XRP could follow a similar path if momentum builds.
Risks and Challenges
🔹 Regulatory uncertainty – even with the SEC lawsuit dropped, the legal landscape remains murky
🔹 RLUSD might limit XRP’s direct utility for settlements
🔹 Macroeconomic factors – rising interest rates or liquidity shocks could delay gains
Outlook: When Could XRP Hit $20?
🔹 Short term (2025–2026): XRP could hit $5–10 based on hype and speculation
🔹 Long term (2027–2030): If XRP and XRPL become standards for institutional settlement, XRP could exceed $20
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