XRP News Today: XRP's $9,438 Potential Hinges on Institutional Adoption Race

XRP analyst PhantomX has proposed a theoretical price projection for the cryptocurrency based on the potential adoption of the XRP Ledger by global financial institutions. In a recent video, the analyst outlined a scenario in which XRP could reach $9,438 if it captured 10 percent of the estimated $5.53 quadrillion in potential transaction volumes across major financial markets and institutions. This calculation is based on a hypothetical market capitalization of $550 trillion, divided by the current circulating supply of 58 billion tokens. PhantomX emphasized that these figures are not predictions but rather illustrative examples of the scale XRP could reach under broad institutional adoption scenarios. The referenced markets include Japanese banks ($25 trillion), the Depository Trust & Clearing Corporation ($3 quadrillion), SWIFT ($1.5 quadrillion), major U.S. banks ($12.5 trillion), and credit card networks such as Mastercard ($9 trillion), Visa ($16 trillion), and American Express ($1 trillion). Additionally, the global derivatives market was cited at $1 quadrillion, and a potential partnership with Hidden Road could add $3 trillion to the total volume [1].

The analysis highlights the importance of adoption rates and demand in determining XRP’s future value. PhantomX noted that factors such as institutional integration, liquidity, and real-world use cases will play a decisive role in whether XRP can capture even a fraction of the markets discussed. The video presented a range of possible price outcomes, including a $4,719 target under a 5 percent adoption scenario and a $943 price point for a 1 percent capture. These projections are based on straightforward arithmetic rather than predictive modeling, and the speaker explicitly stated that they were not to be interpreted as financial advice [1].

Meanwhile, the XRP market has faced volatility in recent weeks, with the token dropping from a peak of $3.65 to $2.72 as of late August 2025. This decline has pushed XRP’s market capitalization down to $162.4 billion, allowing Tether’s USDT to reclaim the third-largest position among cryptocurrencies by total value. Despite this, the XRP Ledger has recorded significant growth in tokenized real-world assets, reaching $131.6 million in Q2 2025, supported by contributions from institutions such as Guggenheim and Ondo. Ripple’s RLUSD stablecoin also experienced a nearly 50 percent increase in value during the same quarter [2].

Further institutional interest in XRP is evident through the acquisition plans of Japanese game developer Gumi, which has approved a 2.5 billion yen ($17 million) investment to acquire 6 million XRP tokens between September 2025 and February 2026. Gumi’s strategy includes a dual-asset approach, where Bitcoin serves as a stability and income-generating asset, while XRP is positioned to provide exposure to growth in blockchain-based financial services. The company cited its partnership with SBI Holdings, Ripple’s largest partner in Japan, as a key factor in the decision. SBI and Ripple plan to introduce RLUSD into the Japanese market by early 2026, aiming to provide a regulated settlement option for enterprises [3].

XRP’s long-term potential is closely tied to its ability to serve as a settlement layer for financial institutions, offering fast and compliant cross-border transaction processing. Ripple’s ecosystem includes compliance tools built into the protocol, enabling asset issuers to enforce transfer rules and manage liquidity efficiently. The company’s regulatory challenges have also receded following the resolution of the SEC lawsuit in August 2025, reducing execution risk for investors. However, the competitive landscape for institutional blockchain solutions remains crowded, with other chains vying for the same market. PhantomX’s analysis underscores that XRP’s success hinges on capturing market share in these key areas [1][4].

Source:

[1] XRP to $9438? Expert Presents Simple Math Based on Global Market Volume (https://timestabloid.com/xrp-to-9438-expert-presents-simple-math-based-on-global-market-volume/)

[2] XRP Market Cap Falls to $162.4 Billion as Tether Claims Third Place Ranking (https://yellow.com/news/xrp-market-cap-falls-to-dollar1624-billion-as-tether-claims-third-place-ranking)

[3] Japanese Game Developer Gumi to Acquire 2.5 Billion Yen in XRP (https://finance.yahoo.com/news/japanese-game-developer-gumi-acquire-222359159.html)

[4] Is XRP the Smartest Cryptocurrency to Buy With $1000 Right Now? (https://www.nasdaq.com/articles/xrp-smartest-cryptocurrency-buy-1000-right-now)