XRP to Reach $30,000 Anytime Soon - Brad Garlinghouse Sees It Becoming the Backbone of U.S. Banking.

In a powerful new statement, Ripple CEO Brad Garlinghouse has doubled down on his long-term vision for XRP, calling it the future backbone of the U.S. banking system. As digital assets gain global traction, Garlinghouse believes XRP’s technology could redefine cross-border transactions, settlements, and liquidity management. That same technology is now finding real-world expression through RealFI, a blockchain-powered real estate ecosystem built on the XRP Ledger (XRPL). RealFI uses its native REAL Token to enable property purchases worldwide, showing how XRP’s core infrastructure is already driving trillion-dollar innovation far beyond the banking sector.

Price Potential: XRP and REAL Token

The discussion around XRP’s price potential has reached new heights — with some market analysts predicting values as high as $30,000–$35,000 if it becomes the global settlement standard and replaces systems like SWIFT. However, the potential of RealFI’s REAL Token could prove even more explosive.

Starting at just $0.03, REAL Token is directly connected to the $654.39 trillion global real estate market. If just 1% of that value were tokenized through RealFI, its price could, in theory, surge to over $65,400 per token. While speculative, these projections underscore the massive opportunity emerging as XRP and RealFI work in tandem to bring real-world assets onto the blockchain.

XRP’s Expanding Role in Finance and Real Estate via RealFI

Through On-Demand Liquidity (ODL), Ripple has already transformed international banking by delivering instant, low-cost settlements. Now, RealFI is extending that same XRP-powered efficiency to real estate — one of the largest and most valuable industries on earth. Today, RealFI lists over 10,000 properties valued at more than $2 billion, spanning residential and commercial assets in 50+ global locations. Each transaction is facilitated by REAL Token, demonstrating how the XRP Ledger’s technology is actively reshaping global property ownership and investment.

Why RealFI’s Efficiency Matters

The traditional systems governing both finance and real estate remain painfully slow. International bank transfers can take days, and cross-border property purchases often take weeks or months. Ripple’s mission has always been to bring instant settlement to finance through XRP, and now RealFI mirrors that vision for real estate. Using REAL Token, property buyers can complete transactions globally in seconds, with XRP Ledger infrastructure powering the backend. This synergy makes XRP the financial backbone and REAL Token the consumer-facing currency driving global adoption.

Regulatory Clarity and RealFI’s Market Confidence

For years, XRP’s biggest obstacle in the U.S. was regulatory uncertainty. But recent milestones — including New York Department of Financial Services (NYDFS) approval for Ripple’s RLUSD stablecoin — have dramatically shifted sentiment. This newfound clarity strengthens Ripple’s relationships with banks and, by extension, boosts confidence in RealFI, which relies on the XRP Ledger for secure, high-value real estate transactions. As regulators warm up to Ripple’s ecosystem, both XRP and REAL Token stand to gain exponential momentum across institutional and retail markets.

RealFI and REAL Token Market Momentum

At present, XRP is trading near $3.09, maintaining strength in volatile market conditions and signaling sustained investor confidence. Meanwhile, RealFI’s REAL Token remains in its early-stage phase, offering one of the most asymmetric opportunities in crypto — a low-cost entry into a trillion-dollar global market. With over $2 billion in properties already listed and live transactions being processed, RealFI isn’t just a concept — it’s an operational ecosystem. REAL Token’s utility is happening now, showcasing XRP Ledger’s real-world scalability and adoption.

Conclusion: XRP and RealFI — The Future of Finance and Ownership

Brad Garlinghouse’s vision for XRP as the foundation of the U.S. banking system is quickly materializing — and RealFI is amplifying that vision by extending it into global real estate. Together, XRP, RealFI, and REAL Token form a powerful triad: the infrastructure, the marketplace, and the currency that make the digital economy function.

As Ripple dominates the financial rails and RealFI continues integrating real estate into the XRP Ledger, we are witnessing the early architecture of a multi-trillion-dollar transformation.

Whether XRP reaches five-figure territory or REAL Token captures even a fraction of the $654 trillion real estate market, one thing is crystal clear:

XRP is no longer just a cryptocurrency — it’s the backbone of a new global financial era. And RealFI, powered by REAL Token, is showing the world how that future becomes reality.

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