There are many reasons to think Ripple (XRP) might never reach $1,000, not to mention $10,000. The market capitalization, adoption issues, and competitors from other chains give valid reasons to think so. However, a crypto commentator, known as Pumpius on X, shared a breakdown on why this could be possible. His take focuses on the structural pieces forming underneath the XRP ecosystem, especially after Ripple’s move in Singapore.
The Singapore approval gives a fresh angle to the long-running discussion around the XRP token and what might shape the XRP price years from now.
What you'll learn 👉
Ripple Price Talk Shifted After Singapore Changed the Landscape
A major part of Pumpius’ explanation revolves around Ripple’s upgraded Major Payment Institution license in Singapore. MAS approval allows Ripple Markets APAC to run digital payment token services on a deeper level. That includes custody, collecting funds, holding assets, executing swaps, and completing payouts for institutions using XRP and its RLUSD stablecoin.
Singapore carries a special weight for Ripple. The APAC headquarters has operated there since 2017, and it functions as a central point for Ripple’s global strategy. Ripple now falls into an extremely small group of blockchain firms permitted to operate a regulated digital token payment stack at scale. That point matters for any long-term view of the Ripple token and Ripple price discussions.
Pumpius explains on X that this is not about storytelling. Licensed usage creates a very different environment from speculative expectations. Crypto companies spend years trying to reach this level of regulatory clearance. Ripple now holds permission to onboard banks, fintechs, and crypto firms across Singapore while using XRP inside regulated flows.
Nobody understands how big this Singapore move really is for XRP. 🇸🇬
— Pumpius (@pumpius) December 1, 2025
Everyone reads “license expansion” and scrolls.
In reality, this is the kind of structural shift you need if you ever want to talk about four and five digit XRP in a straight face macro model.
Here is the… pic.twitter.com/uU077U4bPi
XRP Price Models Depend on Real Usage, Not Memes
A large part of the conversation around extreme XRP valuations always circles back to usage. That is the theme at the center of Pumpius’ breakdown. XRP needs real transactional demand to even enter those macro models, and Singapore opens that door wider.
DBS and Franklin Templeton are already issuing tokenised funds on the XRP Ledger. Franklin’s sgBENJI fund trades within Singapore’s regulatory perimeter and interacts directly with RLUSD. These tokens sit on XRPL. XRP acts as a bridge asset. Ripple now holds approval to connect the entire flow from start to finish.
A full value cycle exists on XRPL
• tokenised funds
• a dollar stablecoin
• the XRP token
• a regulated payment stack that allows these pieces to interact at institutional scale
A model like this gives more depth to conversations around Ripple token volume and throughput. Every step pushes XRP toward practical utility rather than speculative hype.
Ripple Builds an Integrated Machine Around XRP and Ripple Token Flows
Pumpius points to Ripple’s acquisitions as part of the bigger picture. Ripple Prime now emerges from the Hidden Road acquisition. It processes multi asset flows for hundreds of institutions. GTreasury adds direct access to corporate treasury systems across the globe.
Everything links back to a simple idea. Liquidity starts in corporate treasuries. It flows through Ripple Prime. It settles on the XRP Ledger. XRP and RLUSD move value between parts of the stack. Singapore anchors the entire operation with regulatory approval. This setup removes barriers that normally slow institutional adoption.
A system like this creates a framework that long-term XRP price models rely on. It does not guarantee anything. It simply builds the pipes needed for large-scale usage.
XRP at $10,000? The Question Becomes About Structure, Not Wishful Thinking
A number like $10,000 draws attention. The logic behind it requires a world where XRPL handles huge percentages of cross border liquidity and tokenised asset flows. Pumpius explains that extreme valuations do not come from memes. They come from deep structural usage across massive value networks.
Large treasuries would need to manage flows through XRPL. Tokenised funds and stablecoins would need to settle on XRPL. Regional financial hubs would need reliable digital payment infrastructures that operate at scale using XRP as a neutral bridge.
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MAS approval gives Ripple the green light to build that type of environment in Singapore. Nothing moves instantly, and markets will always swing. The XRP token still reacts to broader volatility. A short-term pullback after the announcement shows that clearly. Long-term narratives do not erase short-term market behavior.
This moment still feels meaningful. Pumpius describes it as a quiet foundation stone. A global hub just received permission to operate a regulated digital payment system that integrates XRP at the deepest layer. Moves like this form the base of any credible macro model that tries to imagine extreme valuations in the future.
A future where XRP handles a slice of a global value flow worth more than $100T would look nothing like the crypto space today. The question becomes whether the world continues moving toward tokenised assets, regulated digital payments and institutional settlement rails. Ripple positions itself for that direction. XRP sits at the center.
The answer does not arrive today. The structure keeps forming piece by piece.
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