With Ripple growing and with endless possibilities, one could consider how much it could be worth in various conditions. One of the latest projections, as posted by TheCryptoBasic, explores what XRP price could look like if Ripple became the primary player in remittances across Africa and Asia.
XRP recently rebounded to $3.17, but many investors believe XRP price still falls short of its full potential. A major reason behind this belief is Ripple’s expanding role in global payments. TheCryptoBasic shared a scenario where Ripple handles remittances across Africa and Asia, a market worth hundreds of billions of dollars annually.
According to current data, Africa receives about $95 billion each year through remittances. Leading countries include Nigeria, Egypt, and Morocco. Asia, on the other hand, brings in around $390 billion to $396 billion yearly, making it the largest remittance region in the world. Altogether, the combined flow into both regions is about $491 billion per year.
Different Models Show Varying XRP Price Scenarios
If Ripple becomes the dominant platform for handling this amount of money, XRP could see significant price growth. TheCryptoBasic used ChatGPT to explore a few valuation models based on different levels of XRP integration into these payment flows.
In the first model, ChatGPT imagined XRP acting not just as a bridge currency but also as the reserve asset backing the entire remittance infrastructure. To do this, it applied a 4x multiplier on the $491 billion to reflect liquidity needs, regulation, and volatility. This resulted in a total value of $1.964 trillion. If this were evenly spread across XRP’s current circulating supply of 59.23 billion tokens, the XRP price would rise to $33.15.
In the first model, ChatGPT assumed that XRP wouldn’t just move the money but also serve as the reserve asset behind it. To support the $491 billion in yearly remittances, it applied a 4x multiplier to account for liquidity needs, regulations, and volatility buffers.
— TheCryptoBasic (@thecryptobasic) July 31, 2025
This put… pic.twitter.com/xiciRtyWcS
The second model took a different angle. It assumed that Ripple successfully powers the entire remittance system in Africa and Asia and that 60% of XRP’s supply is locked up. This means only about 23.69 billion XRP would be in active use. Under these conditions, with limited supply and strong demand, the model placed XRP at around $20.72.
The third scenario went a step further. It proposed XRP becoming a kind of financial reserve asset, similar to how central banks treat gold. In this case, banks, fintechs, and even governments might begin holding XRP to support payment infrastructure.
Using the same 4x multiplier and adjusting for the velocity of money, the projected value stood at $1.636 trillion. Dividing this by the full circulating supply gave a potential XRP price of $27.62.
All three models suggest the Ripple price could increase significantly if the company captures the full remittance flow across both continents. The assumptions vary, but the message is clear. Ripple’s real-world use case in payments, especially in regions with high demand for cross-border transfers, could dramatically impact XRP’s valuation.
Ripple’s Ongoing Expansion Supports These Possibilities
What makes these models even more compelling is Ripple’s ongoing progress in Africa and Asia. As TheCryptoBasic highlighted, Ripple is already gaining ground in these areas.
In Africa, Ripple partnered with Onafriq, formerly known as MFS Africa, to launch blockchain-based payment corridors in 27 countries. In early 2025, Ripple also teamed up with Chipper Cash to expand access to faster and cheaper cross-border payments into nine African nations. Ripple’s On-Demand Liquidity solution was already in use by mid-2023 in 13 countries, including Egypt, Kenya, and South Africa.
Read Also: XRP vs SEC: Why Ripple’s Appeal Is Still Pending – And What It Could Really Mean
In Asia, Ripple has also made strategic moves. The company’s Asia-Pacific operations are run from Singapore, where it now holds a full regulatory license. It launched a dedicated fund to drive blockchain innovation in Japan and South Korea, and also extended its university program with $5 million in funding across six Asian countries. In Japan, Ripple is working with HashKey DX to apply XRP Ledger technology in supply chain finance.
These developments show that Ripple is not only building the network to support such a remittance system but also laying down the institutional and regulatory groundwork. TheCryptoBasic’s projections offer a glimpse into how high the XRP price could climb if these efforts fully take off.
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