Here’s How High XRP Could Reach if It Powers Global Markets
The article discusses potential future scenarios for XRP's value growth, as analyzed by market commentator Pumpius. He predicts XRP could reach $50 if Ripple secures a U.S. national banking license, leveraging custody and tokenized assets with $500 billion annual settlement flows. If major corporations adopt XRP for treasury and payments, annual flows could reach $5 trillion, bringing its price to $100. Lastly, global capital market integration, tokenizing stocks and bonds worth $100 trillion, could hypothetically push XRP over $100,000. These projections, however, are speculative and depend on major assumptions.
Layer-1
Centralized Payments
SEC Alleged Securities
Introduction: Speculations About XRP’s Global Adoption
Amid discussions around XRP’s potential at full global adoption, a market pundit has shared projections on how high the XRP price could rise if it powered global markets. Despite a nearly 400% surge in the past year, several market commentators argue that XRP remains undervalued, citing its growing utility in real-world finance as a major reason for this perception.
Ripple’s Push for a Banking License
Market analyst Pumpius, a prominent XRP community pundit, highlighted Ripple’s plans to secure a U.S. national trust bank license as a critical factor. In July 2025, CEO Brad Garlinghouse revealed that Ripple applied for the charter to support RLUSD stablecoin under both federal and state oversight.
By August 2025, Ripple published details of their application for a limited-purpose trust bank based in New York, aimed at offering custody and infrastructure services. The Office of the Comptroller of the Currency (OCC) is expected to make a decision in October 2025, coinciding with the SEC ruling on XRP-related ETF proposals.
Pumpius' First Prediction:
- Ripple gains approval as a national trust bank.
- Services include custody, stablecoins, treasuries, and tokenized real-world assets (RWAs).
- Settlement flows could approximate
$500 billion annually, driving XRP’s price to $50.
XRP Price with Major Corporate Adoption
Pumpius outlined a second scenario where major corporations like Apple, Amazon, Tesla, and Microsoft adopt the XRP Ledger for treasuries and supplier payments. This could result in approximately $5 trillion in annual settlement flows.
In 2025, smaller firms like VivoPower raised $121 million, with $19 million directed toward XRP staking on Flare. Trident Digital invested $500 million into an XRP reserve, while other companies such as Webus and Wellgistics added smaller allocations, pushing total commitments close to $1 billion by mid-year.
Pumpius speculated that, once major players join, XRP’s utility as a neutral bridge asset would simplify cross-currency operations. In this scenario, XRP might reach a price of $100.
XRP's Role in Global Capital Markets
The third scenario involves global capital markets, where stocks, bonds, and ETFs (worth over $100 trillion) could be tokenized on the XRP Ledger using its decentralized exchange and issued currencies. According to Pumpius:
- The liquidity demand in this setup would surpass foreign exchange market needs.
- This could lead to XRP exceeding $100,000 per token.
While exciting, these predictions remain highly speculative and depend heavily on major assumptions, such as tokenization achieving full-scale adoption.
Conclusion: Speculative Nature of Predictions
While Pumpius’ projections are ambitious, the scenarios outlined are speculative and built on key assumptions. There is no guarantee that XRP will reach the targets discussed, as each narrative assumes favorable developments that may not materialize.