XRP Value Projection If It Matches USDT Daily Volume

XRP remains a hot topic in the crypto world, especially as speculation grows around what its value might look like if it reaches the same daily transaction volume as market leader USDT.

Amidst debate and excitement, XRP continues to excite supporters and skeptics alike. While some experts warn that its value could decline sharply, others assert it remains significantly undervalued. Even though XRP has not exceeded its 2018 high of $3.84, faith in its long-term purpose as a cross-border payment bridge continues to drive predictions and valuation models.

Unlike most speculative estimates, the latest XRP fair valuation analysis used a structured model developed by Robert Mitchnick and Susan Athey. This data-driven model relies on real-world usage and utility rather than market hype, making it a credible framework to estimate XRP’s potential worth under high-utilization scenarios.

The focal point of this analysis was projecting XRP’s value if it were to reach the same peak daily transaction volume as Tether (USDT)—a colossal $292 billion, recorded on February 3 this year. Tether, as the most utilized stablecoin, enjoys broad adoption due to its role as a trading pair standard across digital assets like Bitcoin and Ethereum. By contrast, XRP’s historical peak daily volume is $51.7 billion, achieved in December of the previous year.

To perform a realistic valuation estimate, the calculator utilized the following assumptions:

• A sustained daily transaction volume of $292 billion
• An average XRP transaction cycle of 10 days, which assumes frequent use by banks and institutions for global settlement
• A total value hold (or store-of-value) amounting to $180 billion
• A future three-year adoption window allowing space for institutional integration, regulatory clarity, and broader network usage
• A projected circulating supply of 66.2 billion XRP, which factors in regular token releases from Ripple’s escrow over the next 36 months (read more here)

For fidelity, the analysis also applied a 2% annual discount rate to bring the projected value back to present-day terms, representing typical expected investment returns.

After inputting all these metrics, the XRP fair value calculator produced a striking result: a possible valuation of $44.13 per XRP. With XRP’s current price hovering around $2.24, this scenario outlines a potential upside of nearly 1,870%, assuming all ideal conditions converge within the three-year period.

While such a figure is undoubtedly impressive, it’s important to remember that this estimate does not indicate a forecasted outcome. Rather, it highlights what XRP might be worth should it achieve a level of utility comparable to stablecoin titans under optimal market and infrastructural conditions.

This prospect isn’t entirely new either. Last year, crypto figure Mickle predicted a possible surge to the $44 level, and in March 2025, another strategist EGRAG Crypto echoed a similar price target. Still, these evaluations serve more as theoretical ceilings rather than guaranteed price trajectories.

The broader takeaway emphasizes XRP’s unrealized potential as a bridge asset. As the cryptocurrency ecosystem evolves, XRP’s broader adoption by institutions for international payments could elevate its transactional volume significantly—perhaps even to levels that challenge or rival stablecoins like USDT.

Related: Expert Advice: Sell XRP If You’re Confused

Whether or not XRP reaches such price thresholds, its success remains tightly linked to real-world use, and that focus continues to guide credible valuation models far beyond speculative market moves.