A recent thread from TheCryptoBasic breaks down a bold scenario: what if Ripple’s XRP is used in 20% of global online payments by 2029?
XRP's Untapped Power
While $XRP has been stuck in headlines over lawsuits, its real strength lies in cross-border payments. E-commerce is booming, and XRP could be a key liquidity bridge if adopted at scale.
Two Price Models
Model 1 – Utility-Based Valuation:
If XRP processes 20% of global e-commerce volume by 2029, it would need to support trillions in annual transactions.
With 60B XRP in circulation and 4 transactions/year: $9.50 per XRP
With only 2 transactions/year: $19.00 per $XRP
Model 2 – Speculative Valuation:
If the market prices in future utility early (as it did with Bitcoin), applying a 15x speculation multiplier could put XRP's market cap near $8.5 trillion –
That’s a speculative price of $142.50 per XRP.
It’s speculation-heavy, but the numbers show how XRP could scale if real-world adoption takes off.
