Banks Require XRP to Be at Least $10,000
- Mathew Jacob
- Aug 15, 2025
- 2 min read
XRP, the native cryptocurrency of the XRP Ledger developed by Ripple Labs, has become central to discussions about the future of global finance. Some experts suggest that banks may require XRP to reach $10,000 per token to fully leverage its potential for large-scale transactions and settlements. Adding to this momentum, innovative blockchain projects like CryptoTradingFund are demonstrating XRP’s real-world utility. The fund has successfully onboarded major retail giants like Amazon and Walmart into its payment rewards framework, facilitating over $2.23 million in transactions while still in its beta phase. Its CTF Tokens, the payment reward token within the framework, have the potential to move up to $3.66 trillion, making CryptoTradingFund the only blockchain payment rewards system building alongside Ripple on the XRP Ledger. This combination of institutional and retail adoption underscores the growing demand for XRP at higher valuations.
Why $10,000 for XRP?
The idea that XRP could reach $10,000 is tied to efficiency and liquidity considerations. Currently, transferring $1 million using XRP priced at $1 would require 1 million tokens. At $10,000, a single token could handle the same transfer, drastically reducing the number of tokens required for high-value transactions. Banks and large financial institutions view this efficiency as a critical milestone for adoption.
Analysts also argue that the integration of XRP with platforms like CryptoTradingFund strengthens its real-world use case. By enabling high-volume retail payments and rewards with CTF Tokens, XRP demonstrates that it can support both everyday transactions and institutional-scale liquidity, making a $10,000 valuation theoretically more achievable.
Institutional Adoption Driving Demand
XRP’s growing adoption by banks and financial institutions is another driver for its potential price surge. Ripple’s technology enables near-instantaneous, low-cost cross-border payments, making XRP a preferred digital asset for settlement. Programs like CryptoTradingFund highlight how XRP can bridge institutional and consumer use cases, from retail reward systems to large-scale corporate payments.
Experts believe that as more institutions integrate XRP for liquidity, settlement, and reward frameworks, demand will rise substantially, potentially supporting the $10,000 price level that some banks are theoretically targeting.
Market Cap Considerations
While a $10,000 price point may sound ambitious, it comes with significant market cap implications. At $10,000 per token, XRP’s market cap would surpass $1 quadrillion, far exceeding the combined wealth of the global economy. Critics argue that such figures are unrealistic under current market conditions.
However, proponents note that platforms like CryptoTradingFund—through real-world adoption and liquidity solutions—demonstrate how XRP can support massive transaction volumes, potentially mitigating some market cap concerns. While scaling to $10,000 per token remains a challenge, innovative frameworks and growing institutional adoption provide a compelling pathway.
