XRP News Today: Ripple XRP Price Could Surge to $20–$33 If It Dominates Remittance Markets in Africa and Asia

XRP’s potential valuation is drawing renewed attention as Ripple expands its influence in cross-border remittances across Africa and Asia. With XRP recently rebounding to $3.17, analysts and market observers are exploring how the token’s price could evolve if Ripple captures a significant share of the global remittance market, which exceeds $491 billion annually [1]. TheCryptoBasic conducted a series of modeling scenarios using ChatGPT, illustrating how XRP could appreciate if it becomes the backbone of remittance infrastructure in these regions.

In the first scenario, XRP is assumed to act not only as a bridge currency but also as a reserve asset supporting the entire remittance system. Applying a 4x multiplier to account for liquidity needs and regulatory buffers, this model estimates a total value of $1.964 trillion. Dividing this by the current circulating supply of 59.23 billion tokens yields a potential price of $33.15 [1]. Another model posits that if 60% of XRP supply is locked up, leaving only 23.69 billion tokens in active use, the limited supply and strong demand could drive the price to approximately $20.72 [1].

A third model envisions XRP being treated as a financial reserve asset, akin to gold in central bank holdings. Using the same 4x multiplier and adjusting for money velocity, the projected value reaches $1.636 trillion, translating to a price of $27.62 [1]. While these models vary in assumptions, they collectively highlight the potential for XRP to appreciate significantly if Ripple solidifies its role in remittance infrastructure.

Ripple’s expansion in Africa and Asia is already well underway. The company has established blockchain-based payment corridors with Onafriq in 27 African countries and partnered with Chipper Cash to expand cross-border services in nine more. Ripple’s On-Demand Liquidity solution is currently operational in 13 countries, including Kenya and South Africa [1]. In Asia, Ripple has secured a full regulatory license in Singapore, launched innovation funds in Japan and South Korea, and expanded its university programs across the region [1]. These strategic moves underscore Ripple’s commitment to building the institutional and regulatory foundations necessary for large-scale adoption.

According to Ripple’s CTO, the company’s focus on leveraging XRP for remittance services could significantly enhance the token’s value by reducing costs and increasing efficiency in global money transfers [2]. Analysts suggest that if institutions accumulate approximately 1.9 billion retail XRP, the token’s price could rise to $20 [2]. The core of this potential lies in the XRP Ledger (XRPL), an open-source blockchain designed for real-time, low-cost cross-border payments [6].

While some forecasts predict XRP could reach as high as $22, these are speculative and not reflective of current market fundamentals [2]. The token’s actual trajectory will depend on regulatory acceptance, institutional adoption, and broader market sentiment toward digital assets in emerging economies. As Ripple continues to integrate XRP into real-world financial infrastructure, the token’s value may increasingly be driven by functional utility rather than speculative trading [4][5].

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Source:

[1] CaptainAltcoin - [https://captainaltcoin.com/how-much-could-xrp-be-worth-if-ripple-handles-remittances-in-africa-and-asia/](https://captainaltcoin.com/how-much-could-xrp-be-worth-if-ripple-handles-remittances-in-africa-and-asia/)

[2] The Cryptobasic - [https://thecryptobasic.com/2025/07/31/heres-what-will-boost-xrp-value-according-to-ripples-cto/](https://thecryptobasic.com/2025/07/31/heres-what-will-boost-xrp-value-according-to-ripples-cto/)

[4] The Cryptobasic - [https://thecryptobasic.com/](https://thecryptobasic.com/)

[5] Studocu - [https://www.studocu.com/in/document/anna-university/information-technology/omg351-unit-i-fintech-regulation-notes-role-of-regulators-competition/134542706](https://www.studocu.com/in/document/anna-university/information-technology/omg351-unit-i-fintech-regulation-notes-role-of-regulators-competition/134542706)

[6] Coins Cipher - [https://coinscipher.com/xrp-ledger/](https://coinscipher.com/xrp-ledger/)