TheCryptoBasic just released a viral thread exploring what the XRP price could look like by 2029 – if Ripple becomes a major player in global e-commerce payments.
The numbers are bold, and while they’re based on models and speculation, the logic is grounded in macro-level trends and realistic use-case scenarios.
Let’s break it down.
What you'll learn 👉
XRP’s Real Potential Is Still Untapped
Many analysts believe that XRP is still significantly undervalued, especially when you consider its core strength – global payments. While much of the attention has been on legal battles and short-term price moves, XRP’s true long-term value might come from becoming a liquidity layer for online transactions.
And one of the biggest sectors where this could play out is e-commerce, which continues to grow every year.
Here Is $XRP Price If It’s Used in 20% of E-Commerce Payments by 2029. 🧵🧵🧵 pic.twitter.com/3ITlCtPToW
— TheCryptoBasic (@thecryptobasic) July 24, 2025
Model 1: XRP as a Utility Asset for E-Commerce
In the first scenario, ChatGPT applied the Velocity of Money formula to estimate how XRP could function as a base settlement asset, like digital liquidity backing online payments.
If XRP handled 20% of global e-commerce payments by 2029, it would need to support trillions of dollars in volume per year.
Assuming XRP moves four times per year, the model shows a required market cap of $570 billion to support that level of utility. With 60 billion XRP tokens in circulation, that puts the price per token at around $9.50.
But if the velocity is slower – say just twice per year – then each token would need to carry more value to do the same job. That boosts the estimate to around $19.00 per XRP.
Read also: Ripple (XRP) vs Stellar (XLM): Which Token Is Better to Hold?
Model 2: The Speculation Factor
The second model is based on something crypto investors know well: speculation.
ChatGPT suggests that the market might price in XRP’s future role in payments long before it’s fully adopted – the same way Bitcoin gained value early on, driven more by belief and narrative than by current usage.
By applying a 15x speculative multiplier to the original $570 billion market cap, the model arrives at an $8.55 trillion valuation.
With 60 billion tokens in circulation, that would push XRP’s speculative price to $142.50.
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