What would XRP be worth if banks around the world started using it for cross-border payments? That’s the question TheCryptoBasic explored in a recent thread on X. With Ripple building momentum in the financial world, and regulatory clarity now backing XRP in the U.S., the discussion is more relevant than ever.
Ripple’s payment platform, formerly known as On-Demand Liquidity (ODL), now called Ripple Payments, lets banks move money between currencies using XRP as a bridge. This removes the need for pre-funded accounts, reducing costs and speeding up transfers. It’s a model that appeals to banks looking for faster, more efficient payment rails.
With Ripple’s partial court win against the SEC in 2023, institutions began to take a greater interest in XRP. Most of them are still waiting for the case to eventually be settled, yet there is mounting speculation on the impact that mass adoption will have on the price of XRP.
To explore this, TheCryptoBasic asked ChatGPT to model different scenarios. One of the most bullish examples imagined XRP handling 10% of SWIFT’s yearly $150 trillion transaction volume.
Here’s the Price of 1 $XRP if Every Major Bank Uses It for Cross-Border Payments. #Ripple pic.twitter.com/OSurQYzvVz
— TheCryptoBasic (@thecryptobasic) July 14, 2025
If each XRP token is used three times a year, the system would need $5 trillion worth of XRP to function. With a circulating supply of 60 billion XRP, that would push the price to around $83.33 per token.
Another model looked at the broader cross-border payment market, which includes business payments, remittances, and retail transfers. That market is estimated at $200 trillion annually. If XRP were processing only 5% of that scale and traded five times a year, it would need $2 trillion in total liquidity. That setup would support a price level of around $33.33 per XRP.
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A more conservative scenario focused on reserve holdings instead of transaction flow. In this model, 1,000 major banks each hold $500 million in XRP for liquidity. That is $500 billion in total holdings. Based on current supply, that would put the price of XRP at about $8.33.
One of the critical determinants in all of these predictions is velocity, how frequently XRP is transferred. The quicker it circulates throughout the system, the less of it must be kept in reserve, which can influence the price either up or down.
None of these are predictions, but they show how adoption and utility could impact long-term valuation for XRP. As long as Ripple’s banking partnerships continue to grow in size and XRP becomes the norm for cross-border payments, its value could quite likely exceed present levels, perhaps somewhere between $8 and $80, depending on the extent that adoption goes.
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The post Here’s the XRP Price If Every Major Bank Starts Using Ripple for Cross-Border Payments appeared first on CaptainAltcoin.
