Focus on Business-to-Business Transactions
Ripple is no longer solely targeting the peer-to-peer payment market. The company's primary focus has shifted to business-to-business (B2B) payments, a sector where companies conduct massive cross-border financial transactions daily. Analysts suggest that Ripple's success in this domain could fundamentally alter the long-term price trajectory of XRP.
The scale of this market opportunity is substantial. FXC Intelligence reports that cross-border B2B payments are already valued at nearly $30 trillion and are projected to reach $50 trillion by 2032. These transactions are crucial for global trade and necessitate both speed and deep liquidity, areas where XRP is engineered to excel.
The Significance of the B2B Pivot for XRP Price
The choice of Solana by Western Union for a pilot program sparked some debate within the cryptocurrency community, with some interpreting it as a negative indicator for XRP. However, proponents of Ripple's XRP highlighted that Western Union primarily deals with consumer transfers, whereas Ripple is targeting a much larger and more lucrative market.
XRP functions as a bridge asset within Ripple's payment infrastructure. If financial institutions increasingly utilize Ripple's network for company-to-company payments, there will be a corresponding need for sufficient XRP liquidity to facilitate these transactions. This heightened demand could lead to a contraction in supply, potentially driving up the price of XRP over time.
With Ripple targeting the B2B cross-border payments scene, the XRP price could see a massive boost if the firm captures 40% of the market.
— TheCryptoBasic (@thecryptobasic) November 5, 2025
Notably, when Western Union revealed plans to pilot its stablecoin on the Solana network, several figures in the crypto community took aim…
The Role of Liquidity in XRP's Value
A hypothetical scenario explored by TheCryptoBasic, utilizing insights from ChatGPT, examined the potential impact of Ripple capturing a significant portion of the projected B2B payment market.
In a model where XRP processes 40% of future B2B cross-border payments, equating to over $20 trillion flowing through its systems, the analysis emphasized that XRP's value is more closely tied to liquidity requirements than the total volume of money transacted. Banks and corporations might maintain XRP holdings to settle payments efficiently without experiencing substantial price volatility.
As adoption expands, an increasing amount of XRP may need to be held in reserve for immediate use. This dynamic alone could exert considerable influence on price stability and long-term value.
The increased participation of institutions in such a system also tends to foster speculation, which can accelerate price discovery.
Projected Long-Term XRP Price Ranges
ChatGPT's analysis presented several potential price outcomes based on varying adoption rates. In a scenario where Ripple exclusively handles major payment routes between significant currencies like the USD and EUR, the XRP price could potentially reach between $25 and $50.
With more robust adoption, encompassing 30% to 40% of global B2B settlement volume, XRP's price could potentially range from $100 to $500.
Furthermore, if Ripple's technology becomes a de facto standard within the next decade, some financial models suggest that a price of $1,000 per XRP coin is achievable over an extended period.
Even at a price of $100, XRP's overall market capitalization would represent a relatively small fraction compared to the vast financial ecosystem it would help to support.
The utility of XRP is not contingent on individuals hoarding it; rather, its value is derived from the frequency of its usage, as it circulates rapidly.
However, it is important to acknowledge that these projections are not guaranteed. The global payments landscape is subject to stringent regulations, and traditional financial systems continue to hold significant dominance.
Nevertheless, the narrative that analysts are closely monitoring is clear: if Ripple continues to secure partnerships within the corporate payments sector and B2B settlements begin to leverage blockchain technology, the role and value of XRP are likely to grow in tandem with this evolution.
For the time being, long-term investors will be observing Ripple's effectiveness in onboarding real-world companies onto its network and the extent of liquidity they ultimately commit to XRP.