I just reviewed some quite interesting models about where XRP could go if global cash tokenization really takes off. The numbers they handle are ambitious, but the reasoning behind it makes some logical sense worth exploring.

The premise is simple: if 50% of the circulating money (we're talking about around $25 trillions of the $50 trillions approximately existing in digital databases )were to be tokenized, and the XRP Ledger captured 10% of that market, we would be seeing XRP potentially managing $2.5 trillion in real-world tokenized assets.

Now, something many don’t realize is that most money is already digital. Hampton pointed out that approximately 90% of global money today resides in databases connected to mainframes, not in physical cash. If it already exists digitally, converting it into tokenized form wouldn’t be as complicated as some imagine. The financial infrastructure is already connected; what’s missing is the appropriate legislation.

The valuation models I reviewed suggest that with that scale of operation, XRP would need a much higher price to provide the necessary liquidity and depth. Taking a scenario where XRPL handles $2.5 trillion with daily settlements of $25 billion, Google Gemini calculated that the price of XRP could hover around $215. This isn’t a conservative XRP price prediction, but it makes sense within that theoretical framework.

In context, XRP is currently around $1.41 with a circulation of about 61.5 billion tokens. Reaching those levels would imply massive revaluation, but it would also reflect a fundamental shift in how the global financial system operates.

What’s interesting is that the XRP Ledger is already seeing real traction in tokenizing real-world assets. This year, it added $1.3 billion in tokenized RWAs, bringing the total above $2.3 billion. If that growth continues at an accelerated pace, scenarios that once seemed distant could become closer.

Of course, all this remains speculative. Global cash tokenization is still more concept than reality. But what is real is that financial leaders are taking this possibility seriously, and XRPL is positioned to capture a significant portion if things move in that direction. If someone asks you for a XRP price prediction based on these models, here’s the scenario: with the right conditions, there could be plenty of room to the upside. Though, as always, things in crypto can change quickly.