TheCryptoBasic released another viral thread today – and this one dives into a bold but increasingly realistic scenario: XRP becoming the bridge currency for central bank digital currencies (CBDCs) around the world.
XRP is currently trading at $2.19, up just over 3% this past week. While that’s a nice move, many in the XRP community still believe it’s massively undervalued. The reason? Its real-world use case in global payments – and more specifically, the idea that XRP could one day serve as the neutral currency connecting CBDCs from different countries.
That idea may sound ambitious, but it’s not far-fetched. Over 130 countries, representing about 98% of global GDP, are already exploring or testing CBDCs. As that development moves forward, there’s a growing need for a fast, scalable asset that can move value between borders without relying on traditional fiat rails. That’s where XRP comes in.
Thanks to its speed, low fees, and liquidity model, XRP has often been mentioned as a serious contender to fill this role. But what would that mean for its price?
Here’s What #XRP Could Be Worth If It Becomes the Bridge Currency for CBDCs Globally. 🧵🧵🧵 pic.twitter.com/XTyNVogXat
— TheCryptoBasic (@thecryptobasic) June 30, 2025
To answer that, TheCryptoBasic asked ChatGPT for a price estimate if XRP becomes the go-to bridge currency for CBDCs globally. The analysis focused on three key factors: transaction volume, liquidity needs, and XRP’s total supply.
Let’s break it down.
The global foreign exchange market moves over $7.5 trillion per day. If XRP were to handle even just 1% to 3% of daily CBDC-related flows from that market, it could be settling between $75 billion and $225 billion daily.
But to make that happen, XRP would need to provide enough liquidity. Here’s how that’s calculated: take the total transaction volume and divide it by the number of times each XRP token is expected to move in a day. If each token turns over five times per day, and the network processes $100 billion daily, then $20 billion worth of XRP would need to be actively available in the system.
Given today’s circulating supply of about 55 billion XRP, that baseline calculation gives us a price of around $0.36 just to meet liquidity needs. But that’s only the floor.
ChatGPT went further and factored in real-world dynamics like speculation, token scarcity, and the possibility that investors would hold their XRP rather than use it for constant transfers. Once you include those market realities, the price projections start to look much more bullish.
According to the model:
- With basic bridge adoption, XRP could rise to $10–$20
- With higher demand and growing liquidity use, the price could hit $50–$100
- And in a best-case scenario – where XRP adoption goes global, velocity drops, and supply tightens – the token could spike to $120 or even over $500
Of course, this all depends on a few big “ifs.” Regulatory clarity, broad institutional support, and real integration into national payment systems are all needed to make this happen. But signs of progress are already showing.
Ripple has been running CBDC pilot programs with countries like Palau, Bhutan, Georgia, and Montenegro. These programs don’t directly use XRP, but they’re all powered by private versions of the XRP Ledger. That means governments are already trusting the tech behind XRP to power sovereign digital currencies.
So while $500 XRP still sounds like a moonshot today, it’s no longer something you can completely dismiss. As CBDC adoption ramps up globally, XRP’s role in that infrastructure will be one of the most important stories to watch.
Read also: XRP to $200? AI Predicts Insane Price Surge – Here’s the Timeline
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