XRP News Today: XRP Price Could Surge 7,713% by 2040 if it Captures 25% of $10 Trillion Cross-Border Market

XRP, the cryptocurrency developed by Ripple Labs, has been a subject of interest due to its potential to revolutionize the cross-border liquidity market. The global cross-border liquidity market is estimated to be worth $10 trillion. If XRP were to capture 25% of this market, the total value handled by XRP would reach $2.5 trillion. With a circulating supply of 58.82 billion tokens, this market capture would significantly impact the price of XRP.

To determine XRP's potential value under this scenario, an analysis was conducted. The analysis suggests that if XRP were to facilitate 25% of the estimated $10 trillion in cross-border liquidity, its price could surge to unprecedented levels. This potential market dominance could push XRP to a price point that would make it one of the most valuable cryptocurrencies in the market.

Some analysts believe that if XRP is adopted as a key tool for international money movement, its value could climb significantly. These projections are based not on short-term speculation but on the asset’s potential role in global liquidity frameworks. A critical factor in these forecasts is the estimated size of the cross-border liquidity pool. While exact figures are not readily available, economists often use M2 money supply data to frame the conversation. M2 includes cash, checking deposits, and other liquid financial assets, and offers a broad view of potential capital deployment.

According to a macroeconomic analysis published in April 2025 by analyst Marty Party, the collective M2 money supply of the U.S., China, Japan, and the European Union stood at approximately $83.37 trillion. However, only a fraction of that total is typically designated for cross-border use. Historical data from the Bank for International Settlements suggests that banks allocate roughly 10% to 15% of M2 for international reserves and claims. This implies that the global cross-border liquidity pool may fall between $8 trillion and $12 trillion, with $10 trillion serving as a reasonable mid-range estimate.

To determine XRP’s potential value if it facilitated 25% of the estimated $10 trillion in cross-border liquidity, an analysis was conducted using OpenAI’s ChatGPT model. At the time, XRP was priced at $2.23 with a circulating supply of about 58.82 billion tokens. In the first scenario, where XRP is required to fully back the $2.5 trillion needed for 25% of global liquidity, each token would need to represent a portion of that amount. Dividing $2.5 trillion by the total circulating supply yields a price estimate of approximately $42.50 per XRP.

The second approach incorporates the concept of token velocity, how often a token is used in transactions within a year. If XRP is reused five times annually, then only $500 billion worth of XRP would be required to support $2.5 trillion in flows. This would translate to a token price of about $8.50. The model also evaluated other turnover rates. At a velocity of 10, XRP’s price would drop to around $4.25. Conversely, if the token turned over just twice a year, the required locked value would increase, raising the estimated price to $21.25.

These scenarios highlight how XRP’s future price could vary significantly depending on the level of institutional adoption and how efficiently the token circulates. While theoretical, the models offer insight into XRP’s potential valuation if it becomes a core asset in the global financial infrastructure. The discussion within the XRP community has also focused on the significance of holding 10,000 XRP tokens. Proponents argue that such a financial decision could reward investors significantly in the future. Based on this perspective, various outcomes for those who hold XRP until 2040 have been explored. The popular consensus among market commentators is that in a few years, XRP could be worth significantly more than it is today. The coin is currently trading at $2.15 and has surged 350% over the past year.

According to the analyst's forecast, XRP could trade as high as $160.34 per coin by 2040. The platform estimates $119 as the minimum price by then. In this scenario, 10,000 XRP could be worth $1.6 million in the most optimistic case. Even under the conservative forecast, the value would rise to approximately $1.12 million. Essentially, holding 10,000 XRP could make someone a millionaire within 15 years, based on these projections. A crypto exchange offers an even more optimistic outlook for XRP holders. Its analysis forecasts a minimum price of $168 for XRP by 2040. This would mean a holding of 10,000 XRP could be worth $1.68 million, representing a return of 7,713%. However, under the most ambitious scenario, XRP could reach $1,415.83 per coin, specifically by November 2040. In this ultra-bullish case, a $21,500 investment in 10,000 XRP today could grow to $14.15 million, an astounding 65,752.4% return.

Several factors support these projections, including increasing institutional interest in XRP. At least eight companies have announced plans to adopt XRP as a treasury asset, with collective investments totaling up to $1 billion. Moreover, over 10 spot ETFs, which will hold physical XRP, are set to launch. Leading asset managers involved include trillion-dollar manager Franklin Templeton and billion-dollar firms like Grayscale and Bitwise. However, not all forecasts are positive. In a research report, Bitwise suggested XRP’s price could plummet to $0.13. This bearish scenario is based on XRP failing to deliver on its promise in cross-border payments and in the multi-trillion-dollar tokenization market. If this happens, a 10,000 XRP holding would be worth just $1,300, a loss of more than 95%. Notably, Bitwise estimates this bearish scenario could materialize by 2030, though the situation may improve or worsen by 2040.

The potential for XRP to capture a significant portion of the cross-border liquidity market highlights its strategic importance in the financial ecosystem. As more institutions and banks adopt XRP for their liquidity needs, the cryptocurrency's value could see a substantial increase. However, the future of XRP remains uncertain, with both bullish and bearish scenarios possible. Investors should conduct thorough research and consider all potential outcomes before making any investment decisions.