The XRP community is once again divided after a new theory surfaced suggesting that the digital asset could one day reach $10,000 per token — unlocking a staggering $800 trillion in global liquidity. While some see this as visionary, others argue that the math doesn’t add up. The discussion has reignited a long-standing debate over XRP’s real-world potential, liquidity dynamics, and how far institutional adoption could realistically take it.
According to reports and community analysis, XRP’s current circulating supply of around 60 billion tokens makes the idea of a $10,000 valuation nearly impossible under present economic conditions. At that price, XRP’s total market capitalization would be approximately $600 trillion — more than double the global GDP and far beyond the combined value of gold, equities, and real estate markets.
To put that in context, a $1,000 XRP would still place its market cap at nearly $60 trillion, rivaling the total capitalization of all global financial assets. Critics argue that such figures are implausible without a fundamental overhaul of the global monetary system.
Market analyst Christian Encila notes that “price projections without reference to circulating supply or monetary velocity ignore key market constraints. You cannot separate valuation from liquidity mechanics.”
As of early October 2025, XRP trades around $3, with a total market cap near $181 billion, according to TradingView data. That leaves a monumental gap between its current valuation and the trillion-dollar targets being circulated online.
During the XRPL Apex event in Singapore, Ripple CEO Brad Garlinghouse addressed the distinction between messaging networks like SWIFT and actual liquidity infrastructure.
Garlinghouse predicted that the XRP Ledger (XRPL) could eventually handle around 14% of SWIFT’s global transaction volume within the next five years — a massive step forward, but still far short of the multi-trillion-dollar claims seen in some corners of social media.
He emphasized that XRP’s role should not be measured in speculative price potential, but rather in its ability to improve liquidity flows across borders and remove inefficiencies in traditional banking systems.
“I keep telling everyone,” Garlinghouse said, “the problem crypto solves is liquidity. You can’t print more money to create liquidity — that collapses fiat. What you can do is build technology that moves value faster and more efficiently.”
Software engineer Vincent Van Code offered a different perspective that has caught the attention of the XRP community. In a recent post on X (formerly Twitter), he argued that XRP should not be valued merely as a store of wealth, but as a liquidity transfer mechanism capable of bridging currencies across networks.
According to Van Code, at a hypothetical $10,000 per token, XRP could unlock up to $800 trillion in global liquidity, serving as a neutral settlement layer for cross-border transactions and decentralized finance (DeFi) applications.
He compared the system to logarithmic decay, suggesting that liquidity expansion does not require one-to-one conversion into fiat currencies. Instead, XRP could operate as a bridge token, facilitating swaps and settlements that multiply transactional velocity without needing direct capital backing for each trade.
“Liquidity in FX markets isn’t about holding massive reserves,” he explained. “It’s about available trading pairs and how quickly value can move. XRP’s design allows for that kind of efficiency.”
Despite Van Code’s explanation, many economists and analysts remain skeptical. They argue that liquidity creation is not infinite, and global financial systems are governed by central banks and money supply controls such as quantitative easing (QE) and quantitative tightening (QT).
Critics also highlight that the M2 money supply, a measure of total liquid assets, continues to fluctuate depending on macroeconomic policy. In that context, it’s difficult to imagine governments or regulators allowing a digital asset like XRP to assume control over global liquidity management.
“The idea that XRP could single-handedly absorb global liquidity is more theoretical than practical,” said one analyst. “It assumes perfect adoption, stable counterparty trust, and institutional participation at a scale that does not yet exist.”
While the $10,000 XRP thesis might sound extreme, it reflects a broader optimism within the crypto community about the long-term role of blockchain in finance. Ripple continues to strengthen partnerships with banks and payment providers, and XRP’s utility in remittances and on-demand liquidity (ODL) remains one of its strongest selling points.
However, the path from $3 to $10,000 would require not only exponential adoption but also a complete transformation of global liquidity systems — a scenario even most bullish analysts admit is far from current reality.
Still, Van Code’s argument underscores a growing belief that digital liquidity networks like XRPL could redefine how money flows internationally. Whether XRP reaches astronomical prices or not, its potential to reshape cross-border finance continues to keep investors watching closely.
Steven is an explorer by heart – both in the physical and the digital realm. A traveler, Steven continues to visit new places throughout the year in the physical world, while in the digital realm has been instrumental in a number of Kickstarter projects. Technology attracts Steven and through his business acumen has gained financial profits as well as fame in his business niche. Send a tip to: 0x75395Ea9a42d2742E8d0C798068DeF3590C5Faa5
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