As XRP continues to gain attention in the cryptocurrency sector, some analysts believe the digital asset remains significantly undervalued , particularly in the context of global payment systems. One key area where XRP could see substantial adoption is within e-commerce, a sector prepared for continued growth through the rest of the decade. Evaluating XRP’s Role in E-Commerce Growth The global e-commerce payments market, valued at approximately $7 trillion in 2024, is expected to increase to $11.4 trillion by 2029, according to industry forecasts. This growth is driven by factors such as the expansion of mobile-first purchasing, increased adoption of digital wallets, and demand for faster, more efficient payment options. While traditional methods like credit and debit cards remain in widespread use, there is a clear shift toward more modern solutions. Digital assets, such as XRP, have been identified as strong contenders in this evolving landscape. In August 2024, Web3 Enabler, a Salesforce Web3 partner, emphasized XRP’s potential in cross-border and domestic e-commerce transactions. The cryptocurrency’s rapid settlement time and minimal transaction fees were cited as advantages that align with the needs of both merchants and consumers. To understand the potential price impact if XRP were to power a portion of global e-commerce activity, we explored a scenario where XRP handles 20% of the projected 2029 transaction volume, equivalent to approximately $2.28 trillion annually. Projected XRP Valuation Based on Utility Model To estimate the corresponding XRP valuation, two analytical approaches were considered. The first model evaluates XRP based on pure utility, where the token functions as a core transaction layer within the payments ecosystem, similar to how liquidity assets are used by financial institutions. Using the Velocity of Money formula , and assuming each XRP token circulates four times per year, the model indicates a required market capitalization of $570 billion to facilitate $2.28 trillion in annual transactions. With an assumed circulating supply of 60 billion tokens, this places XRP at $9.50. If token velocity is lower, say, each XRP token is used only twice annually, then more value must be assigned to each unit to support the same transaction volume. Under these conditions, the model projects a price of $19.00 per XRP. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Speculative Value Projection Based on Market Sentiment A second model considers the impact of market speculation, where investor enthusiasm and forward-looking expectations drive valuation before actual utility is fully realized. This is consistent with how assets like Bitcoin gained early value largely on anticipated use rather than immediate adoption. By applying a 15x speculative multiplier to the $570 billion utility-based market cap, this approach arrives at a projected market capitalization of $8.55 trillion. Dividing this figure by the same 60 billion circulating XRP tokens results in a theoretical price of $142.50 per token. Although these models are hypothetical and depend on multiple assumptions, including transaction volume, token velocity, and investor sentiment, they highlight the substantial upside that could materialize if XRP secures a meaningful share of the e-commerce market. Whether driven by practical use or speculative investment, XRP’s future price may reflect a broader shift in how global payments are processed in the digital age. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post XRP Projected Price if It Captures 20% of Global E-Commerce Transactions appeared first on Times Tabloid .
