Here’s How High XRP Could Go if Ripple Centers Everything Around XRP

Amid recent bullish developments surrounding Ripple, discussions around whether the firm’s strategy centers on XRP have re-emerged.

For context, Ripple has completed several high-profile acquisitions, including GTreasury, Metaco, and Hidden Road, launched its RLUSD stablecoin, and secured conditional approval for a national trust bank charter.

Despite these developments, some critics have argued that Ripple has shifted focus from XRP’s utility toward building enterprise infrastructure.

Notably, Ripple CEO Brad Garlinghouse recently addressed this concern, stressing that XRP remains central to Ripple’s long-term strategy. Still, many have remained pessimistic.

In response, prominent XRP advocate Digital Asset Investor (DAI) explored the issue further by asking Grok to assess XRP’s potential price if Ripple’s core objective truly revolved around boosting the token’s valuation and positioning it as a global reserve asset.

Ripple Positioning XRP for Broader Global Utility

Grok responded with an analysis, arguing that Ripple’s past and current actions align with a strategy built around expanding XRP’s utility until rising demand naturally supports higher valuations.

The chatbot explained that Ripple spent more than a decade building the foundation for XRP to function as a liquidity bridge rather than a speculative asset. According to Grok, the XRP Ledger’s fast settlement times, low costs, and energy efficiency allowed Ripple to attract banks and payment providers worldwide.

Ripple then embedded XRP into cross-border payments through its On-Demand Liquidity product, enabling institutions to move money instantly while avoiding traditional nostro and vostro accounts that lock up an estimated $27 trillion globally.

Grok pointed out that by 2024, Ripple processed over $30 billion annually through ODL corridors, particularly across Asia-Pacific and Latin America. It noted that this level of usage created consistent demand for XRP as financial institutions relied on it for real-time settlement.

Grok also referenced XRP’s previous market cap of around $200 billion as evidence that utility-driven adoption already influenced price during earlier market cycles. For context, XRP hit a peak valuation of $216 billion in July 2025 when its price soared to $3.66.

Ripple Expands Through Acquisitions

Regarding Ripple’s acquisitions, Grok suggested that they were deliberate steps to push XRP deeper into institutional finance. For instance, Grok highlighted Ripple’s $1.25 billion purchase of prime broker Hidden Road, which clears about $3 trillion annually for hundreds of clients.

Under Ripple’s control, Grok suggested that XRP could act as the preferred bridge asset for crypto-to-fiat transactions, pushing its role beyond payments into liquidity management for hedge funds and trading firms.

Grok also discussed Ripple’s acquisition of GTreasury, arguing that corporate treasury inefficiencies leave trillions of dollars idle in U.S. accounts. The chatbot estimated that companies could free up $1.5 trillion in trapped capital by integrating XRP into treasury operations.

Ripple’s Regulatory Wins

Meanwhile, Grok also called attention to regulation. It emphasized that Ripple’s conditional approval for a national trust bank charter may expand XRP’s reach.

With federal oversight, Ripple can offer custody and settlement services nationwide, making XRP more accessible to conservative institutions that previously stayed on the sidelines. Grok argued that regulated custody alone could lead to large-scale institutional inflows into XRP.

On how these developments could impact XRP’s price trajectory, Grok projected that by 2026, stronger institutional adoption driven by Ripple’s trust bank and acquisitions could push XRP above $5 if transaction volumes grow tenfold.

Looking ahead, the chatbot suggested that sovereign-level adoption between 2027 and 2028 could drive XRP past $20, fueled by ETF growth reaching tens of billions of dollars in assets under management.

In Grok’s most bullish scenario, XRP becomes embedded in global settlement systems, central bank payment networks, and international trade finance. Under this assumption, Grok argued that XRP’s fixed supply of 100 billion tokens, combined with rising usage, could support significantly higher valuations over time.