A new thread from TheCryptoBasic offers a speculative but detailed outlook on how Ripple’s expanding ties with central banks could impact the price of XRP – using a blend of real-world developments and ChatGPT-modeled projections. Let’s break down both the realistic foundation and the hypothetical upside this thread explores.
What you'll learn 👉
🧠 Ripple’s Growing Government Footprint
The foundation of the article rests on a real and growing list of Ripple’s partnerships with governments and central banks. Ripple’s CBDC platform, launched in May 2023, has already seen pilots and integrations in countries like Palau, Bhutan, Montenegro, Colombia, and Georgia. According to Ripple CEO Brad Garlinghouse, at least ten government partnerships are currently active, even though not all have been publicly disclosed.
What Ripple is offering to these central banks is not XRP itself, but rather its CBDC platform, which runs on a private version of the XRP Ledger. This is an important distinction: these pilot programs do not directly use XRP as part of the digital currency infrastructure, but they do use the same underlying technology that XRP is built on.
This means XRP’s price is not automatically tied to CBDC adoption – but trust in Ripple’s infrastructure could absolutely influence perception, utility, and eventually demand for XRP, especially in cross-border payment use cases.
Here Is $XRP Price If #Ripple Secures 50+ Central Bank Partnerships.🧵🧵🧵 pic.twitter.com/l7jbl3ZbLs
— TheCryptoBasic (@thecryptobasic) June 20, 2025
🔍 The Price Scenarios and Assumptions
To map out potential outcomes, the thread introduces several AI-generated scenarios, all depending on how deeply XRP is integrated into the global financial system. These aren’t predictions – they’re hypothetical projections based on assumed levels of adoption.
Here are the key models from ChatGPT:
- Moderate Adoption:
If XRP powers 20–30% of global cross-border payments, the projected market cap would be $1.2 trillion, making the token worth around $20.38. - High Institutional Usage (G20-Level):
If XRP becomes the primary settlement layer across G20 banks, the price could hit $42.46 with a corresponding surge in market cap. - Reserve Asset Scenario:
If XRP is adopted by central banks not just as a bridge, but as a reserve or clearing asset, the projected market cap jumps to $5 trillion, pushing the price to $84.93. - Hyper-Adoption (CBDCs + Private Sector):
In the most aggressive scenario – where XRP anchors both public central bank digital currencies and private payment infrastructure – the price shoots up to $135.88 on an $8 trillion market cap.
These projections are based on several major assumptions:
- Ripple scales up its technology and services across dozens of countries.
- XRP itself is used for settlement, not just the ledger.
- Clear regulatory frameworks emerge, especially in the U.S. and EU.
- Global financial institutions actually choose XRP over competing options like Stellar, CBDCs running on Ethereum, or proprietary bank solutions.
Read also: XRP to $20? Here’s How the Next Big Move Could Happen
🧩 What’s Real vs What’s Hypothetical?
The article wisely points out that while Ripple’s infrastructure is gaining traction, the connection between Ripple’s CBDC platform and XRP demand is not automatic. XRP’s price won’t move just because central banks are using RippleNet or testing a CBDC on a private ledger.
However, there’s a clear bullish sentiment around spillover effects: if Ripple continues to build trust with regulators and central banks, and if those partners later expand into using XRP for liquidity, cross-border settlements, or real-time FX, that’s where price appreciation becomes more feasible.
That’s the central thesis of this entire analysis – not that XRP is guaranteed to hit $135, but that increasing confidence in Ripple’s technology could act as a gateway to XRP adoption, especially as the broader financial system seeks efficient ways to bridge currencies.
✅ Final Thoughts
This thread blends real Ripple partnerships with AI-generated price modeling, offering a compelling look at XRP’s possible long-term upside. While some numbers, like $135 per coin, are clearly highly speculative, the logic behind them is rooted in a broader truth: the more central banks trust Ripple, the more likely XRP becomes part of that equation.
Still, it’s crucial to separate hype from reality. Ripple’s CBDC projects are growing, but the direct utility of XRP in those pilots is still limited. If XRP is to reach the levels projected in the thread, it won’t just be because of infrastructure adoption – it will require actual XRP integration into the core of those financial systems.
That’s not impossible. But it’s not guaranteed either.
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