I recently came across an interesting question: What would the price of XRP look like if it powered only 25% of global remittances—not the entire cross-border payments market, just remittances alone?
Right now, XRP is trading around $2.25, already up an incredible 38,148% since its earliest days (CMC data). Still, many long-time XRP supporters argue the asset trades far below its real utility value.
XRP’s Growing Role in Payments
Analysts and researchers have repeatedly highlighted XRP’s potential in the global payments system. Last year, researcher SMQKE claimed XRP is perfectly positioned to become the main liquidity asset for international transfers. He pointed toward the massive payments market that moves trillions every year.
Even major research groups seem to agree. According to SMQKE, analysts from McKinsey and Delphi Digital believe Ripple could secure up to 80% of global cross-border payment flows over the next decade.
In October 2025, market commentator XFinanceBull also explained that XRP and XLM are not competitors; instead, they work together to modernize the $150 trillion payments sector.
XLM covers low-cost transfers, remittances, and digital wallets.
XRP focuses on institutional finance, banking, treasury operations, and large cross-border settlements.
Even former Ripple Managing Director Navin Gupta stated that Ripple aims to tackle the $155 trillion cross-border payments challenge head-on.
Why Focus on Remittances?
Remittances are just personal transfers sent by workers to their families back home. While smaller than the full payments market, they are still huge.
Global remittances reached $905 billion in 2024.
Low- and middle-income countries alone received $685 billion, a 5.8% increase from 2023.
So, what if XRP powered just 25% of this market?
XRP Price If It Captured 25% of Remittances
Using these numbers, I ran the scenario through Google Gemini. Here’s what it calculated:
25% of $905 billion = $226.25 billion in annual volume.
A utility-based liquidity model suggests the asset doesn’t need to match the full transaction volume in market value.
Gemini used two key assumptions:
10% liquidity requirement → $22.625B needed.
50x utility multiplier → $11.31 trillion market cap for XRP.
With the current circulating supply at 60 billion XRP, this gives a potential price of:
➡️ Estimated XRP Price: ~$188.50 per XRP
At that valuation, XRP would become the second-largest asset in the world, behind only gold. It would even surpass major global banks like:
JPMorgan Chase
Bank of America
Agricultural Bank of China
ICBC
Of course, this scenario is highly speculative—but it does show how strong XRP’s value could become if it captured even a fraction of the global remittance industry.
