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XRP could hit $5 to $10 if it handles 25% of digital remittances by 2029, with growing adoption.
If XRP manages 25% of global remittance flows, its price could rise beyond $15 or even reach $20.
XRP’s price depends on adoption, token velocity, market trust, and global regulatory decisions.
XRP is a digital currency that helps send money quickly from one country to another. It is mostly used by financial companies to make cross-border payments faster and cheaper.
XRP is not used on a very large scale right now. Some experts think it could become a big part of the global remittance market in the coming years.
Remittance is the money that people send back home from foreign countries. For example, if someone from India works in the United States and sends money to their family in Hyderabad, it is called a remittance. Millions of people working abroad send money this way every year.
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In 2025, the global remittance market is expected to reach around $832 billion. This number is growing and might cross $1 trillion by the year 2029. A big part of this growth is coming from digital remittances, where money is sent using mobile apps and online platforms. This digital section of the market is expected to grow to about $52 billion by 2029.
If XRP is used for 25% of the digital remittance market by 2029, it could handle about $13 billion every year. This is much more than what it is used for today.
To know what the price could be, two things are important. One is how often XRP is being used across a year to move money; this is referred to as velocity. The second thing is the number of tokens used. There exists a total of 100 billion XRP tokens, but a majority are yet to be used.
Here are two basic estimates:
If the money moves through XRP five times in a year, XRP’s total market value would need to be about $65 billion. That would make each XRP token worth around $5.
If the velocity is higher, say ten times a year, then the price could go up to around $10.
If XRP is used not just for digital remittances but for 25% of the entire global remittance market, the amount it handles would be around $250 billion per year.
Using the same method of calculation:
• At a velocity of five, the market cap would need to be $1.25 trillion. This means one XRP could be worth about $20.50.
Banks and financial companies in many countries are already testing XRP. Places like Japan, Singapore, and the UAE are using it to make money transfers faster and cheaper. A lot of people still use old ways to send money. As digital services become more common, XRP might get chosen more often.
XRP has been in a legal case in the US. If the court gives a positive decision, more banks might start trusting and using it. If more people start using XRP and the supply remains low, the price could increase.
The market is crowded with rivals. Services from apps such as Wise and Revolut, as well as traditional banks, are getting better. Also, several nations are developing their digital currencies. These developments might lessen the demand for XRP in certain regions.
Getting 25% of the remittance market is also very difficult. XRP would have to compete with big and trusted companies. Changes in government rules or the arrival of new technology can also create problems.
If XRP captures 25% of the digital remittance market, its price could be somewhere between $5 and $10. In case it takes over 25% of the entire global remittance market, the price might go beyond $15. Some people think that XRP could even reach $70, but that would only happen under perfect conditions, which are very difficult to achieve.
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XRP has a lot of potential if it becomes a popular option for sending money across countries. Its price depends on how many people start using it, how rules change in different countries, and how much trust it gains. The future has many opportunities, but success is not guaranteed
