XRP Price In 36 Months With 5% of $3 Quadrillion Annual Tokenized-Value Flow on XRPL

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A new projection shared by Wall Street veteran Rob Cunningham is gaining attention across the XRP community after he presented a mathematical scenario examining how XRP could be valued if the XRP Ledger were to capture a portion of the global tokenized asset market over the next 36 months.

Cunningham explored a hypothetical case in which the XRP Ledger handles 5% of a $3 quadrillion annual tokenized value flow. According to his analysis, such a level of activity would create major demand pressure on XRP and significantly increase the network’s required value.

Cunningham explained that 5% of a $3 quadrillion annual flow would amount to approximately $150 trillion moving through the XRPL each year. He stated that this would translate to about $411 billion in daily flow volume. He compared that figure to XRP’s current 24-hour trading volume and argued that it would represent roughly 248 times the asset’s present trading activity.

The Wall Street veteran emphasized that his model was not based on speculation alone but on what he described as the “current turnover-ratio model.” Using that framework, he attempted to estimate the XRP network value required to support that amount of activity while holding current market relationships constant.

According to Cunningham, the calculation points toward an XRP network valuation of approximately $21.7 trillion. Dividing that figure by XRP’s total supply of nearly 100 billion tokens produced a projected valuation of about $351 per XRP.

Cunningham Says $351 Could Still Be a Conservative Estimate

While presenting the calculations, Cunningham argued that even the $351 figure may still underestimate XRP’s future value under such conditions. He pointed out that not all 100 billion XRP would realistically be available for active daily market liquidity.

Because of that limitation, he suggested that the actual price required to sustain large-scale transaction flows on the network could be higher than the estimate produced in his model.

Cunningham also clarified that the post should not be interpreted as a guaranteed forecast. In his words, the scenario was a “scale translation from today” while looking 36 months ahead.

However, he maintained that a move from XRP’s current price near $1.42 to more than $500 over three years would mathematically represent a 352-fold increase, equivalent to a compound annual growth rate of roughly 606%.

Another point Cunningham raised involved utility and transaction efficiency. He argued that most consumers using blockchain-based financial systems would not necessarily care whether XRP traded at $1 or $1,000, as long as transactions remained inexpensive, liquidity stayed strong, and conversions occurred smoothly.

Community Reactions Focus on Market Behavior

The post also generated responses from members of the XRP community who discussed how price growth could unfold if adoption accelerated.

MrCartmill added that he personally expects XRP’s climb to be gradual but aggressive over multiple years rather than an immediate vertical move. He also suggested that if prices rise too quickly, retail investors could potentially be pushed out of the market during sharp fluctuations.

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