Imagine the impact on Ripple’s XRP if Western Union and MoneyGram decided to use it to settle payments. These two remittance giants move over $350 billion every year, roughly $150 billion from Western Union and more than $200 billion from MoneyGram.
Even partial adoption of XRP for these transactions could create demand that the market has never seen before.
TheCryptoBasic explored this scenario using ChatGPT to run a couple of models. In the first model, the assumption was that both companies start using XRP for settlements and hold enough tokens to process payments quickly without delays.
They would need about $4.79 billion in XRP as reserves, supported by roughly $14.37 billion in liquid XRP across the market to keep everything running smoothly. If investor behavior followed the pattern seen with Bitcoin when institutions began buying and holding, the XRP price could reach around $12.
The second model went much further. It assumed Western Union and MoneyGram completely rely on XRP for all transactions and hold enough tokens to cover their full annual transfer volume.
With that kind of adoption, the base price for XRP would land near $11.82. Once you add in market excitement, institutional FOMO, and long-term holding pressure, the model suggested a potential price of around $94.56.
How High Could #XRP Go If Western Union and MoneyGram Start Using It for Settlements.🧵🧵🧵 pic.twitter.com/d7Ag2YykSF
— TheCryptoBasic (@thecryptobasic) August 1, 2025
And this estimate doesn’t even factor in other remittance providers, central bank digital currencies, or the effect of XRP’s deflationary supply. If those come into play, the token could realistically push past $100.
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This kind of scenario isn’t purely hypothetical. Ripple already has a history with both companies. MoneyGram began using Ripple’s xRapid technology to handle international money transfers back in 2019, with Ripple also investing $50 million into the company as part of the partnership.
The collaboration came to an end in early 2023. Ripple’s ongoing legal battle with the SEC led MoneyGram to step back and stop using XRP in its operations. Western Union experimented with Ripple technology as early as 2015, but never went on to implement it on a large scale.
If regulatory clarity improves and these businesses opt for XRP again, this token may witness record demand. Remittance flows in billions of dollars, coupled with the prospect of hype in the market, can propel XRP prices to unprecedented levels.
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