Ripple’s XRP had a busy year, even if the price did not always show it. Behind the scenes, Ripple kept adding new partners, expanding into custody, payments, and tokenization.
As activity on the XRP Ledger stayed steady, a bigger question started coming up again. What happens to XRP price if all of this growth starts moving serious money through the network?
That idea was recently summed up by Jake Claver, CEO of Digital Ascension Group. His point was straightforward. The XRPL already moves large amounts of value, banks are paying closer attention, and ETFs are bringing in fresh capital.
If Ripple connects all of these pieces, the impact on XRP could be much larger than many expect.
What you'll learn 👉
Ripple’s Financial Stack Is Expanding Fast
Ripple’s progress in 2025 came from concrete steps, not promises. The company added major names across different parts of the financial system. In July, BNY Mellon became the main custodian for Ripple’s RLUSD stablecoin. That alone signaled growing trust from traditional finance.
Earlier in the year, Ripple partnered with Ctrl Alt to support real estate tokenization for Dubai’s Land Department on the XRP Ledger. In October, Absa Bank joined Ripple to offer digital asset custody in South Africa, marking Ripple’s first large custody deal on the continent.
Momentum carried into the final months of the year. Ripple teamed up with Mastercard, WebBank, and Gemini to enable RLUSD-based settlements aimed at improving fiat payments. It also expanded its work with TJM Investments, strengthening its position in institutional trading infrastructure.
The XRP ecosystem gained momentum throughout 2025 as Ripple expanded its institutional footprint and activity on the XRP Ledger continued to grow.
— TheCryptoBasic (@thecryptobasic) December 22, 2025
Amid these developments, Jake Claver, CEO of Digital Ascension Group, recently shared a bullish commentary on social media, stating…
RippleNet and XRPL Activity Tell the Same Story
The growth is not limited to partnerships. RippleNet itself continued to expand. By November 2025, more than 300 banks and financial institutions were connected to the network, showing steady demand for blockchain-based cross-border payments.
Usage on the XRP Ledger has also remained consistent. Data referenced by Motley Fool shows the average XRPL payment value around $3,207 over the past month.
Daily transaction counts have stayed between 900,000 and 1,000,000, while daily payment volumes have ranged from $396 million up to $17 billion.
These numbers support the idea that the XRPL is already handling real value today. Claver’s view is that this is only the starting point. If Ripple’s full financial stack works together as intended, volumes could scale much higher.
Read Also: Why Is Bittensor (TAO) Price Down Today?
How High Could XRP Price Go Under Different Scenarios?
To explore what that might mean for price, Google Gemini outlined several possible outcomes. In a moderate growth scenario, driven by retail demand and early ETF inflows, XRP could move into the $3.50 to $5.80 range. That would place price back near earlier highs.
A stronger phase, where RLUSD is fully integrated and XRP is widely used as a bridge asset in cross-border banking, could push prices into the $8.00 to $13.00 zone.
The most optimistic scenario assumes the XRPL becomes a major liquidity layer for real-world asset tokenization and central bank digital currencies. Under that setup, Gemini projected prices from $26 to above $100.
Moreover, big price targets come with big requirements. Gemini pointed out that a $10 XRP would imply a market cap above $500 billion. A move to $100 would place XRP’s valuation above the size of today’s entire crypto market.
That does not rule it out, but it frames it as a long-term outcome tied to global adoption, not a quick rally. For the XRP price to reach those levels, Ripple’s infrastructure would need to sit at the center of large financial flows from institutions and governments.
In the end, XRP long-term price depends less on speculation and more on whether Ripple’s growing network can turn real-world financial activity into sustained use of the XRP Ledger.
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