XRP Forecast: Impact of Owning 25% of Remittance Market

XRP continues to draw bullish attention as its potential dominance in the remittance market attracts renewed interest. If the digital asset can capture as much as 25% of the global remittances by 2029, XRP could see a significant valuation boost driven by real-world utility and broader financial adoption.

Although trading at $2.22 as of now, many crypto enthusiasts argue that this price undervalues XRP, especially considering its superior transaction speed, efficiency, and increasing relevance in global payments infrastructure. Ripple, the company behind XRP, continues to form strategic partnerships around the world, yet the market has yet to fully reflect the token’s long-term utility.

XRP’s Strategic Position in a Booming Remittance Market

The international remittance landscape is expanding at a healthy pace. Analysts estimate that global remittance flows will grow from $782.54 billion in 2024 to $832.57 billion in 2025. Holding a 6.4% annual growth trajectory, this would bring the industry to approximately $1.067 trillion by 2029.

According to a business research firm, factors like increasing global migration, economic disparities, and enhanced mobile finance infrastructure are fueling this expansion. Ripple is positioning itself to capitalize on these trends by forming alliances in key remittance corridors.

Already, Ripple has partnered with financial institutions in countries with substantial remittance volumes, such as Brazil, Mexico, the UAE, Saudi Arabia, Vietnam, and the Philippines. These regions are vital as they represent both high outbound and inbound cross-border payment flows.

Ripple’s use of XRP is particularly impactful thanks to its efficient consensus protocol. Unlike typical proof-of-work systems, XRP transactions settle in mere seconds without the energy burden of mining. Capable of handling thousands of transactions per second, the XRP Ledger is highly suited for the demands of international remittance services.

Regulatory Clarity Adds Confidence

Regulatory pressures have often cast a shadow over crypto projects, but recent developments are proving positive for XRP. Thanks to favorable decisions in the U.S., XRP is no longer considered a security when sold to retail investors. This regulatory clarification paves the way for larger financial institutions to adopt XRP-based solutions without the concern of falling into legal grey areas.

Assessing XRP’s Valuation in 2029

To gauge what XRP could be worth if it cornered 25% of the global remittance flows by 2029, experts have turned to valuation models used for traditional finance companies like Western Union, Visa, and PayPal.

Most payment and remittance firms are valued between one and three times their annual transaction volume. Applying a 2x multiple to the projected $1.067 trillion remittance volume results in an estimated market cap of $2.134 trillion for the industry in 2029.

If XRP manages to capture 25% of that market capitalization, its implied network value would be $533.5 billion. Based on a circulating supply of 60 billion XRP tokens, this would suggest a price level of $8.89 per token—a strong move from current levels.

Yet, this figure only represents XRP’s direct utility in payments. Given the nature of crypto markets, utility often attracts speculative interest and institutional demand, potentially pushing the asset’s price premium even higher. If investor confidence adds a speculative 4x multiple to the practical value, XRP could rise as high as $35.56.

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

These projections underscore how increasing real-world adoption and a healthy growth environment in remittances could provide significant upside potential for XRP. As Ripple continues to lock in high-value partnerships and navigate regulatory environments successfully, XRP remains well-positioned for a potential breakout in the years ahead.