Here’s How High XRP Could Reach if It Powers Global Markets

Amid discussions around XRP’s potential at full global adoption, a market pundit has predicted the XRP price if it powered global markets.

XRP Undervalued?

Despite its nearly 400% surge in the past year, several market commentators argue that XRP remains undervalued. They usually highlight its growing utility in real-world finance as the major reason for this belief.

Amid these discussions, Pumpius, a well-known XRP community pundit, recently shared an analysis on how high XRP could climb if adoption reaches a global scale.

XRP Price if Ripple Secures Banking License

In the first level, Pumpius highlighted Ripple’s push to secure a U.S. national trust bank license. In July 2025, CEO Brad Garlinghouse revealed the firm had applied for the charter to support its RLUSD stablecoin under dual federal and state oversight.

2/🧵
🏦 Scenario 1: Ripple Banking License (OCC)
•Ripple becomes a U.S. national trust bank.
•Custody, stablecoins, treasuries, tokenized RWAs.
•Settlement flows ~$500B yearly minimum.

👉 Plausible XRP price: $50

— Pumpius (@pumpius) September 6, 2025

By August, Ripple had published the first volume of the application, showing plans for a New York–based limited-purpose trust bank designed for custody and infrastructure services. The OCC expects to rule on the application in October 2025, around the same time the SEC will decide on pending XRP ETF proposals.

If Ripple gains approval from the Office of the Comptroller of the Currency, Pumpius believes the company could handle custody, stablecoins, treasuries, and tokenized real-world assets. He claimed that this setup could bring in at least $500 billion in yearly settlement flows and lift XRP to $50.

XRP Price if Corporate Adoption Surges

Pumpius then moved to the corporate adoption scenario. He argued that if major companies like Apple, Amazon, Tesla, and Microsoft moved their treasuries and supplier payments to the XRP Ledger, the network could handle about $5 trillion in annual flows.

For context, several smaller companies have already made moves in this direction in 2025. Specifically, VivoPower announced a $121 million raise in May, with $19 million allocated for XRP staking on Flare.

Trident Digital committed $500 million to an XRP reserve in June. Other firms, including Webus, Wellgistics, Nature’s Miracle, Hyperscale Data, and Everything Blockchain, also announced allocations that brought total commitments near $1 billion by mid-year. Still, none of the world’s largest corporations have stepped in yet.

To Pumpius, once major corporations step in, XRP’s strength as a neutral bridge asset would allow these firms to operate across currencies without friction. He suggested this could push the XRP price to $100.

XRP Price in Powering Global Markets

Meanwhile, his third projection focused on global capital markets. Pumpius believes that tokenizing stocks, bonds, and exchange-traded funds, an asset pool worth more than $100 trillion, could take place on the XRP Ledger through its decentralized exchange and issued currencies.

He argued that the demand for liquidity from this move would outpace foreign exchange markets. In this scenario, he claimed XRP could surge past $100,000 per token.

While these projections can be exciting, they remain highly speculative. There is no guarantee XRP will ever reach the targets Pumpius described, and each scenario rests on major assumptions that may not play out.

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