XRP’s $35 Surge by 2029? How Dominating Just 25% of Remittance Could Fuel the Rally

Ripple's XRP is gearing up for a seismic shift—and Wall Street hasn't even noticed yet. If the crypto captures a quarter of the global remittance market by 2029, we're looking at a $35 price tag that'd leave traditional finance clutching its pearls.

The remittance revolution

Forget SWIFT's sluggish wires. XRP's blockchain settles cross-border payments in seconds for fractions of a cent—a nightmare for banks still charging 6% fees. The token's already processing billions through RippleNet, but the real play? Becoming the backbone for migrant workers sending cash home.

Why $35 isn't a pipe dream

The math works: at 25% market share, XRP would handle $250B+ annually. Factor in velocity and speculative frenzy, and suddenly today's price looks like a fire sale. Of course, this assumes regulators don't throw a tantrum—again.

Bottom line: While hedge funds obsess over ETFs, the smart money's watching the corridors of power. If Ripple wins its legal battles, that $35 target might prove conservative. And if not? Well, at least bankers will keep their summer homes.

XRP Eyes A Slice Of Remittance Market

According to recent projections, the global remittance industry will swell from $783 billion in 2024 to $833 billion in 2025, growing at about 6.4% a year. That same pace is expected to push the total to roughly $1.06 trillion by 2029.

Based on reports, if XRP captures 25% of that market and investors value its network at twice its annual volume—similar to big payments firms—the token’s market cap WOULD hit $534 billion. With about 60 billion XRP in circulation, each coin would be worth $8.90.

Ripple Expands Global Ties

Ripple has been busy lining up deals in places that MOVE lots of money overseas. Brazil, Mexico, the UAE, Saudi Arabia, Vietnam, and the Philippines are all on the list.

In these markets, people sending cash home often face high fees and slow transfers. XRP’s consensus system lets banks and money‑transfer firms settle payments in seconds, not days. That speed could help push adoption even higher.

Based on court rulings, the US now treats XRP sales to retail buyers as not being securities. That change opens the door for more banks and payment companies to jump in without fear of a legal sting. It also gives some larger investors more confidence to hold XRP long term.

Purely on network‑value math, XRP at $8.89 would already be a four‑fold jump from $2.22. But crypto markets often bid up tokens beyond those simple models. If growing adoption brings a 4× “demand premium,” XRP could climb all the way to $35.56 by 2029.

That scenario assumes Ripple’s partnerships scale up, regulatory risks stay low, and investors see XRP as a must‑have tool for cross‑border payments.

Nothing is guaranteed. Market sentiment can swing. Token emissions from escrow or new supply changes could hurt the price. And if banks take longer than expected to roll out XRP‑based services, demand could lag.

On the flip side, more use cases—like tokenized assets or on‑demand liquidity—could boost real‑world volume and push the price even higher.

Featured image from Meta, chart from TradingView