XRP Ledger Adoption Could Propel XRP to $100

XRP Ledger’s growing adoption in tokenizing real-world assets could be a game-changer for XRP. Widely known for its emphasis on fast, low-cost cross-border payments, the XRP Ledger (XRPL) is now evolving into a major hub for digital asset tokenization, a shift that’s capturing attention across the crypto industry in 2025.

The XRPL was originally designed to facilitate the seamless conversion of real-world assets into blockchain-based tokens. That core utility is now becoming more apparent, with significant developments positioning XRP for greater utility—and potentially higher value. According to some crypto analysts and market watchers, if institutional adoption of XRPL continues to gain momentum, it could lay the foundation for XRP to reach ambitious price targets, such as $100 per token.

The underlying premise is fairly straightforward: as more enterprises begin using XRPL for asset tokenization, they would need to hold XRP to transact on the network. This uptick in demand would likely reduce the available supply of XRP tokens, particularly those used in on-demand liquidity solutions. As a result, lower circulation combined with heightened demand could push the price upward significantly.

This outlook is primarily driven by simple supply and demand economics. With rising institutional usage and increasing transaction volumes on XRPL, many foresee a scenario where XRP’s price surges dramatically due to its shrinking availability on the open market.

Major Upgrades Enhancing XRPL’s Tokenization Capabilities

Ripple has taken concrete steps to reinforce XRPL’s tokenization framework. In fact, a comprehensive roadmap rolled out in 2025 focuses heavily on expanding XRPL’s role in institutional decentralized finance (DeFi). One of the hallmark updates to this roadmap is the unveiling of the Multi-Purpose Token (MPT) standard, introduced in Q3 2024.

The MPT standard is unique in that it merges functionalities of both fungible and non-fungible tokens. This versatility is crucial for institutions looking to tokenize complex assets. For instance, issuers can embed metadata such as property information or bond conditions directly into the token. This flexibility enhances XRPL’s credibility as a serious platform for handling tokenized assets at scale.

XRPL also added Decentralized Identity (DID) capabilities in October 2024. This update plays a pivotal role in aligning XRPL with global regulatory standards like Know Your Customer (KYC) and Anti-Money Laundering (AML) policies, providing a solid compliance foundation for firms engaging in institutional tokenization.

Real-World Implementations Strengthen the Bullish Case

Beyond theoretical use cases, real-world deployments of XRPL’s tokenization features are already underway. A major initiative emerged recently in Dubai, where the Land Department partnered with Ctrl Alt and the Dubai Future Foundation to roll out a $16 billion tokenized real estate project on XRPL.

This initiative allows investors to purchase fractional property ownership starting from just AED 2,000. Even more impressively, the platform achieves nearly a 50% reduction in transaction costs. More than 3,000 investors have already signed on, underscoring the project’s traction and the growing trust in XRPL’s capabilities.

Other notable ventures include Aurum Equity Partners’ $1 billion fund designed for tokenizing private debt and equity, all deployed on XRPL. Additionally, Ripple joined forces with Ondo Finance in early 2025 to bring tokenized U.S. Treasuries onto the ledger, further diversifying its use cases.

At the Apex 2023 developer summit, Ripple’s CTO David Schwartz emphasized XRP Ledger’s trajectory toward becoming a premier destination for asset tokenization, a prediction that now seems to be materializing with remarkable speed.

However, while the excitement around XRP’s potential surge to $100 is palpable, some caution is warranted. Hitting such a valuation would require XRP’s market capitalization to balloon to approximately $5.9 trillion—nearly double the size of today’s entire crypto market, which is estimated at around $3.33 trillion.

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

Currently priced at $2.19, XRP would need a staggering 4,466% gain to reach the coveted $100 mark. That level of growth likely hinges on broader crypto market expansion, institutional adoption, and sustained demand on the XRP Ledger—all of which are progressing, but not yet guaranteed.