Can XRP Become the Future of E-Commerce Payments? A 2029 Price Outlook
A recent viral post from TheCryptoBasic explored an exciting scenario: what if XRP becomes the backbone of 20% of all e-commerce transactions by 2029?
While the idea might seem bold, the logic behind it is rooted in real-world trends and emerging blockchain use cases. Let’s break down what this could mean for XRP’s price in two key scenarios.
Why XRP Still Has Untapped Potential
Despite ongoing debates around regulation and short-term price moves, many experts argue that XRP is still undervalued. Its true strength lies in fast, cross-border payments—and that strength could be game-changing in the world of e-commerce.
As online shopping continues to grow globally, there's a massive opportunity for blockchain to streamline payment systems. If Ripple’s XRP Ledger gains traction as a digital settlement layer, the value of XRP could climb significantly.
Scenario 1: XRP as a Utility Token for Global E-Commerce
Using the Velocity of Money model, we can estimate XRP’s value if it supports 20% of global online transactions by 2029.
Global e-commerce is expected to process trillions of dollars annually.
If XRP circulates 4 times a year, a $570 billion market cap would be required.
With 60 billion XRP tokens in circulation, this implies a price of around $9.50 per XRP.
But what if XRP moves more slowly?
If tokens circulate only 2 times per year, each one needs to carry more value to cover the same volume.
This adjustment pushes the estimate to about $19.00 per XRP.
Scenario 2: Speculation and Market Sentiment
Speculative momentum is a powerful force in crypto. Investors often price in future potential well before real-world adoption takes place. Think of how Bitcoin gained value early on—not just from usage, but from belief in its future.
If markets apply a 15x speculation multiplier to the $570 billion utility valuation, XRP’s market cap could soar to $8.55 trillion.
In that case:
With the same 60 billion tokens in circulation, $XRP speculative price could hit a jaw-dropping $142.50.
Final Thoughts
This is a high-level model, not a prediction. But it shows just how much upside XRP could have if it captures even a fraction of global digital payments.
As blockchain continues evolving, keep your eyes on tokens like XRP that offer real-world utility alongside growing adoption potential.