Tokenization as the Next Financial Evolution
Recent comments from BlackRock CEO Larry Fink have reignited discussions within the cryptocurrency community about XRP’s potential role in global finance, particularly in the emerging tokenization market. Fink’s remarks, made during the Future Investment Initiative (FII) event in Riyadh, focused on how tokenization could transform the movement of money and assets worldwide, a development that many XRP supporters see as aligned with Ripple’s long-term vision.
During his address, Fink stated that central banks around the world are now exploring how quickly they can digitize their currencies. He explained that this shift raises important questions about the future of the U.S. dollar, as well as the relevance of established payment companies such as Visa and Mastercard in a fully digital economy.
Fink emphasized that while artificial intelligence dominates most conversations about financial innovation, the tokenization of assets and currencies represents an equally powerful trend. He described tokenization as a technological advancement that could streamline global finance by improving how transactions are processed and settled. According to him, many governments and institutions still underestimate the scale of this transformation.
Larry Fink just confirmed what we’ve been saying for years, every central bank currency will be digitized, every ETF and asset will be tokenized, and they’ll all need a cross-border settlement layer.
The plumbing of global finance is being rebuilt, and #XRP is the foundation. pic.twitter.com/hu0yArQeX7
— Black Swan Capitalist (@VersanAljarrah) October 29, 2025
His comments quickly gained attention within the XRP community, where advocates have long maintained that the XRP Ledger (XRPL) is well-positioned to support the tokenization era. Versan Aljarrah, founder of Black Swan Capitalist and a well-known XRP proponent, responded to Fink’s remarks by suggesting that they validate the long-standing view that XRP could underpin a new, tokenized financial infrastructure.
Aljarrah asserted that in a future where central bank digital currencies (CBDCs), exchange-traded funds (ETFs), and other assets exist on tokenized platforms, a unified settlement network will be necessary. He argued that XRP’s design allows it to serve as the global bridge asset connecting diverse financial systems.
Ripple’s Growing Focus on Tokenization
Ripple’s own executives have echoed similar sentiments in recent years. In 2023, David Schwartz, Ripple’s Chief Technology Officer, confirmed that the XRPL’s development strategy would increasingly focus on tokenization capabilities.
Bitwise, a major digital asset management firm, also named XRP as one of the tokens offering the most direct exposure to the anticipated growth of the tokenization sector.
These developments have helped position XRP at the center of the broader discussion about how blockchain technology might power the future of financial markets.
Potential Valuation Impact of Mainstream Tokenization for XRP
To estimate what this global shift could mean for XRP’s valuation, a hypothetical scenario generated by Google’s Gemini AI offered an optimistic outlook. According to Gemini, the market for tokenized assets could expand to between $10 trillion and $26 trillion by 2030.
Using a middle estimate of $15 trillion, Gemini projected that if the XRPL captured even 1–5% of that total market, XRP’s market capitalization could range from $6 trillion to $30 trillion.
With roughly 60 billion XRP currently in circulation, this projection would place XRP’s price between $100 and $500 per token, assuming consistent adoption and supply conditions.
However, Gemini emphasized that such an outcome would depend on several key factors, including regulatory clarity for digital assets, widespread institutional use of XRP for settlement, and Ripple’s ability to maintain a technological edge over competitors like Ethereum and Solana. It also noted that XRP’s deflationary token burn mechanism could gradually decrease supply over time, potentially reinforcing upward price momentum if demand increases.
Although these estimates remain speculative, the renewed discussion following Larry Fink’s comments underscores a growing belief that tokenization could reshape global finance and that XRP might play a meaningful role in that transformation.