A recent thread by TheCryptoBasic has caught attention online, offering bold predictions about the potential price of XRP by 2029 — if Ripple becomes a key player in global e-commerce transactions.
While the estimates are based on models and assumptions, the reasoning follows current market trends and practical use cases. Let’s dive into the possibilities.
XRP’s Untapped Power in Payments
XRP is often seen as undervalued, especially when considering its main purpose — enabling fast, low-cost international payments. Legal challenges and short-term price swings have dominated headlines, but the real long-term value could lie in becoming the backbone of digital payments.
With global e-commerce expanding rapidly, XRP could eventually play a major role as the underlying liquidity layer.
Scenario 1: XRP as a Utility for Online Transactions
In this model, XRP is viewed as a settlement layer for e-commerce payments. Using the Velocity of Money formula, the idea is to estimate how much market value XRP would need to support 20% of global e-commerce volume by 2029.
If the total value of e-commerce handled by XRP turns over four times per year, the market cap required would be around $570 billion. Dividing that by 60 billion XRP tokens gives a price of $9.50 per XRP.
If the token velocity is slower (twice per year), then the price jumps higher — around $19.00 per token — because each XRP would need to carry more value to handle the same volume.
Scenario 2: Speculation and Market Hype
The second model looks at speculative pricing — where the market values XRP based on its future potential rather than current use. Think of how Bitcoin grew in price long before it was widely used.
If the market applies a 15x speculative multiplier to the $570 billion utility-based market cap, that would value XRP at a massive $8.55 trillion.
With the same 60 billion tokens, this scenario would put XRP at a price of about $142.50.
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While these numbers are highly speculative, they show what’s possible if XRP becomes a major part of the e-commerce ecosystem. Whether it hits these targets or not, XRP’s future will likely be shaped by adoption, regulation, and investor confidence.
