Ripple’s growing relationship with central banks worldwide could mark a turning point for XRP. As Ripple expands its digital currency platform, experts believe this could unlock massive potential for XRP’s price — provided the token plays a key role in future global finance systems.

At the time of writing, XRP is trading around $2.16 with a market capitalization near $127 billion. While the price has climbed steadily, many analysts still view the token as undervalued compared to its long-term utility in global payments. The big question now is: how high could XRP go if Ripple successfully partners with more than 50 central banks?

Why Central Bank Deals Matter

Ripple has already secured partnerships with several governments and monetary authorities. These partnerships center around Ripple’s Central Bank Digital Currency (CBDC) platform — a system that helps nations develop, issue, and manage their own sovereign digital currencies. started in 2023, this platform has already attracted interest from countries like Palau, Bhutan, Montenegro, Colombia, and Georgia.

But unlike RippleNet, the company’s payments network, the CBDC platform doesn’t require the use of XRP. This fact has sparked debate among investors about whether the success of Ripple’s CBDC initiatives will directly benefit XRP’s value. Some argue that without XRP integration, the token’s upside may be limited.

However, others, including some AI-generated forecasting models, suggest that widespread use of Ripple’s tech will inevitably spill over into increased confidence in and adoption of XRP — especially for cross-border transactions, liquidity management, and settlement between financial institutions.

What Analysts Are Predicting for XRP

Price predictions for XRP vary significantly depending on how deeply Ripple’s systems are integrated into global banking infrastructure. If Ripple secures partnerships with 50 or more central banks, analysts envision a range of scenarios.

In a moderate case, where XRP powers around 20–30% of global cross-border transactions, XRP’s market cap could potentially reach $1.2 trillion. This would place the price of XRP near $20.38 per token.

In a more bullish scenario — where XRP becomes the primary settlement asset for banks in G20 nations — the token could hit $42.46.

But in an even more aggressive projection, if XRP evolves into a global reserve or clearing asset across the world’s central banks, its market capitalization could balloon to $5 trillion. That would mean a price of around $84.93.

And in the most optimistic outlook, where XRP anchors both public sector CBDCs and private financial systems, experts suggest the price could reach a staggering $135.88, supported by an $8 trillion market cap.

These projections are not without bold assumptions. They rely on Ripple expanding its services at scale, XRP being adopted as a core liquidity bridge in multiple economies, and regulatory clarity across major regions like the U.S. and European Union.

Real-World Momentum Behind Ripple’s Strategy

Ripple’s CEO Brad Garlinghouse recently confirmed that the company is already working with 10 governments, although not all details have been disclosed. Countries like Palau have started USD-backed stablecoins with Ripple’s help, and Bhutan has tested a Ripple-powered CBDC aimed at financial inclusion.

Georgia is using Ripple’s blockchain to develop its digital lari, and Colombia is leveraging Ripple for its high-value payments infrastructure. These are all signs that Ripple is gaining real-world traction — and potentially laying the groundwork for greater XRP usage.

To support this ecosystem growth, Ripple is also investing in financial infrastructure. In recent months, the company has hinted at further integrations, funding programs, and new technical developments aimed at strengthening its market position.

Is XRP Still Undervalued?

Despite these advancements, XRP’s price remains modest compared to other top cryptocurrencies. With major exchange listings, regulatory clarity, and continued adoption on the horizon, many see this as a temporary phase.

Google Trends data shows that public interest in XRP has dipped recently, indicating that retail traders may not yet be pricing in Ripple’s broader institutional push. But as the company’s plans unfold and global banks look to modernize their systems, demand for efficient and trusted settlement assets could push XRP back into the spotlight.

Final Thoughts

While XRP is not directly required for every part of Ripple’s CBDC strategy, growing confidence in Ripple’s technology — especially among central banks — may act as a powerful catalyst. Should XRP become embedded in the next generation of cross-border payment systems, especially within major economies, its price trajectory could be far higher than current levels suggest.

Whether XRP hits $20, $80, or even $135 depends on adoption, regulation, and continued integration into global finance. But one thing is certain — Ripple’s central bank partnerships are turning heads, and XRP may be poised for its biggest chapter yet.