What Happens to XRP’s Price If Every Major Bank Adopts It for Cross-Border Payments?

Ripple’s XRP has long pitched itself as the bridge currency for global finance—but what if the big players actually bit?

Banks move trillions daily. If even half switched to XRP for settlements, the token’s utility—and price—would face a stress test like never before.

The trillion-dollar question: Can XRP handle the heat, or will it buckle under the weight of its own hype? (Spoiler: Wall Street’s ‘blockchain pilots’ rarely graduate to production.)

One thing’s certain: liquidity would explode. Whether that liquidity stays—or gets arbitraged into oblivion—depends on whether banks treat XRP as infrastructure or just another speculative asset to flip.

Market Capture xrp price Valuation Model ChatGPTMarket Capture XRP Price Valuation Model | ChatGPT Meanwhile, another model looked at the total cross-border payments market, which includes corporate payments, retail flows, and remittances. The market adds up to about $200 trillion each year. If XRP handles just 5% of that volume and turns over five times annually, it would need $2 trillion in active supply. Such a setup would support a price of $33.33 per XRP.

TAM XRP price Valuation Model ChatGPTTAM XRP Price Valuation Model | ChatGPT However, ChatGPT presented a more conservative estimate, focusing on bank reserves rather than transaction flows. Notably, it assumed that 1,000 top global banks each held $500 million worth of XRP to meet their liquidity needs.  This level of adoption would add up to $500 billion in holdings. Considering the circulating supply of 60 billion tokens, XRP's price in this case would land at around $8.33.

LCR XRP Price Valuation Model ChatGPTLCR XRP Price Valuation Model | ChatGPT Overall, ChatGPT stressed that XRP's velocity is an important factor to consider regarding its pricing. Notably, the faster it moves between hands, the less supply the system needs to hold at any given time, which reduces upward pressure on price.  Still, if banks adopt XRP on a wide scale, price projections across all models show meaningful upside. If XRP becomes the go-to tool for international settlements, its price could jump anywhere from $8 to over $80.