XRP continues to face challenges in exceeding the $3 mark. Analysts are confident in its potential within cross-border liquidity.
The Challenge of Breaking the $3 Level
Despite ongoing efforts, XRP has repeatedly failed to break through the $3 price level over the past several months. This has not deterred long-term holders or analysts, many of whom remain confident that XRP's underlying utility in cross-border payments could drive substantial gains in the future.
Assessing the Global Liquidity Pool
A critical factor in these forecasts is the estimated size of the cross-border liquidity pool. Economists often use M2 money supply data to frame the conversation. According to a macroeconomic analysis published in April 2025, the collective M2 money supply of the U.S., China, Japan, and the European Union stood at approximately $83.37 trillion. However, only a fraction of that total is typically designated for cross-border use. Historical data suggests that banks allocate roughly 10% to 15% of M2 for international reserves, implying that the global cross-border liquidity pool may fall between $8 trillion and $12 trillion.
XRP Price Scenarios at 25% Liquidity
To determine XRP's potential value if it facilitated 25% of the estimated $10 trillion in cross-border liquidity, an analysis was conducted. At the time, XRP was priced at $2.23 with a circulating supply of about 58.82 billion tokens. The price could be estimated at $42.50 if XRP fully backed the $2.5 trillion. Alternative scenarios that account for token velocity indicate that at a turnover rate of five times annually, the price could be around $8.50.
Forecasts regarding XRP underscore the essential factors for possible price growth, depending on its role in the global financial system.
