What XRP’s Price Could Be if Ripple Powers 20% of Global E-Commerce Payments by 2029
A recent viral thread by TheCryptoBasic explored a bold yet intriguing question:
What would XRP be worth if Ripple becomes a key player in global e-commerce payments by 2029?
The projections are ambitious — but they’re not just hype. They’re rooted in real-world use cases, financial models, and macro trends that are already reshaping the payment landscape.
Let’s break it down.
🔍 XRP: A Sleeping Giant in Global Payments?
Despite the noise around legal issues and short-term price movements, many analysts believe XRP remains significantly undervalued. Its greatest strength — fast, low-cost global transactions — hasn’t been fully realized yet.
One of the most promising sectors for XRP's utility?
E-commerce — a market that continues to expand rapidly across the globe.
📊 Model 1: XRP as a Utility Layer for E-Commerce
Using the Velocity of Money formula, ChatGPT modeled how XRP could work as a core settlement asset for online transactions if it captured 20% of global e-commerce volume by 2029.
If XRP circulates 4 times a year, it would need a $570 billion market cap to support the volume.
With 60 billion XRP tokens in circulation, that puts the price per XRP at around $9.50.
If the velocity drops to twice a year, XRP would need to carry more value — raising the price to approximately $19.00.
💡 Model 2: The Power of Speculation
The second scenario focuses on a key driver in crypto markets: speculation.
Just like Bitcoin’s early growth was fueled more by belief than usage, XRP could see its price rise long before full adoption — simply on the expectation of its future role.
By applying a 15x speculative multiplier to the $570B utility market cap, we get a staggering $8.55 trillion valuation.
That translates to a potential price of $142.50 per XRP — if market optimism reaches that level.
