XRP News Today: What If Central Banks Bet Big on XRP? The Shocking Price Impact Revealed

A new analysis has explored the hypothetical impact on XRP if the world’s top 10 central banks allocated a portion of their combined $13 trillion in reserves to the asset. The findings suggest that even a modest adoption at this scale could significantly increase XRP’s market valuation. Currently trading at approximately $2.81, XRP has a circulating supply of 59.4 billion tokens and a market capitalization of around $172.3 billion, placing it among the largest digital assets by value [1].

According to the analysis, if the top 10 central banks—including those in China, Japan, Switzerland, India, Russia, and the United States—allocated just 1% of their reserves, or about $130 billion, to XRP, its market cap could rise to over $302 billion. This would push the token’s price to approximately $5.09. A 3% allocation, equating to $390 billion, could drive the price to around $9.47, while a 5% allocation of $650 billion might result in a market cap exceeding $822 billion and a price near $13.84 [1].

In a more extreme scenario, a 10% allocation—approximately $1.3 trillion—could raise XRP’s market cap to $1.47 trillion, translating to a price of roughly $22.58 per token. This would represent nearly an eightfold increase from current levels. It is important to note, however, that these projections are based on straightforward market cap arithmetic and do not account for potential multiplier effects from large-scale institutional purchases, which could further amplify price movements [1].

Despite the compelling mathematical scenarios, the practical likelihood of central banks adopting XRP remains uncertain. Governments and central banks have primarily focused on Bitcoin when discussing digital reserves. For example, the U.S. government has passed legislation on stablecoins and is considering a national cryptocurrency reserve, but its attention remains largely on Bitcoin. In countries like Russia and China, discussions around crypto typically center on Bitcoin and stablecoins, which are seen as tools to promote local currencies [1].

Furthermore, institutional interest in Bitcoin is strong, with several countries collectively holding over 517,298 BTC, valued at more than $56.76 billion [1]. This underscores Bitcoin’s dominance in institutional strategies, while altcoins like XRP remain on the periphery. Although XRP offers utility in cross-border payments and real-world adoption through Ripple’s On-Demand Liquidity (ODL) product, it is yet to gain the same level of institutional traction as Bitcoin [3].

The analysis highlights the potential for XRP to experience significant valuation shifts should central banks decide to allocate reserves to the asset. However, these projections remain speculative, as current institutional adoption trends continue to favor Bitcoin. The practicality of such a shift would depend on broader regulatory developments, institutional risk appetites, and the evolving role of altcoins in global financial systems [1].

Source: [1] Here's XRP Price If It Becomes the First Coin Held by Top 10 Central Banks (https://thecryptobasic.com/2025/09/06/heres-xrp-price-if-it-becomes-the-first-coin-held-by-top-10-central-banks/) [2] XRP to $22? How Central Bank Investment Could ... (https://timestabloid.com/xrp-to-22-how-central-bank-investment-could-skyrocket-xrp-price/) [3] Is XRP a Good Investment? 7 Factors Every Investor ... (https://investinghaven.com/crypto-blockchain/coins/xrp/is-xrp-a-good-investment/)