The financial world is undergoing a transformative shift — one where real-world assets like stocks, bonds, and commodities are no longer confined to traditional ledgers but exist as digital tokens on blockchain networks. This evolution, known as tokenization, is rapidly moving from concept to reality, and with it comes renewed attention on digital assets capable of supporting a global tokenized economy.
Among these, XRP stands out due to its proven efficiency in cross-border payments and scalable infrastructure. Experts suggest that if just 1% of the future tokenized global economy flows through XRP, its price could reach double-digit levels, potentially ranging between $18 and $90+, depending on use case and adoption dynamics.
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How Tokenization Is Reshaping Finance
Tokenization refers to the process of converting ownership rights of physical or financial assets into digital tokens on a blockchain. These can include everything from real estate and art to government bonds and corporate equities. By doing so, assets become more divisible, transparent, and accessible.
Dom Kwok, co-founder of blockchain education firm Easy A, believes the entire global economy will eventually run on tokenized systems. As institutions increasingly adopt this model, the demand for fast, low-cost, and reliable settlement layers grows — making XRP a strong contender for a foundational role.
But what happens to XRP’s price if it captures even a small fraction of this emerging ecosystem?
Two Scenarios: XRP as Settlement Layer vs. Value Store
To explore this question, we turn to an analysis modeled after insights from AI simulations — examining two plausible roles XRP could play in a fully tokenized world.
Scenario 1: XRP as a Global Settlement Layer
Assume the total value of the tokenized global economy reaches $100 trillion — a figure supported by projections from institutions like BlackRock, Citigroup, and the World Economic Forum.
If XRP handles 1% of daily settlements, that means $1 trillion in daily transaction volume** flowing through the network. Assuming each XRP changes hands once per day, the required market capitalization would be **$1 trillion.
With approximately 55 billion XRP in circulation, this translates to a price of $18.18 per XRP.
However, if transaction velocity slows — say, XRP is used every three days — then the network must support $3 trillion in value at any given time**. That pushes the market cap requirement to $3 trillion and drives the price up to $54.54**.
Thus, under a settlement-layer model, XRP could range from $18 to $55, depending on usage frequency and network demand.
Scenario 2: XRP as a Reserve or Collateral Asset
Now consider a future where XRP functions not just as a medium of exchange but also as a store of value or collateral within decentralized finance (DeFi) and institutional systems.
If 1% of the $100 trillion tokenized asset market is held in XRP-backed instruments, that equates to **$1 trillion in value tied directly to XRP. Again, with 55 billion coins in circulation, the price reaches $18.18**.
Should adoption increase — say to 5% of total tokenized assets — the implied price climbs to $90.90.
This suggests that if XRP gains traction as a trusted digital reserve asset, its long-term valuation could surpass $90, especially as confidence in blockchain-based collateral grows among institutional players.
The Momentum Behind Global Tokenization
These projections aren't speculative fiction. Real-world data shows that tokenization is already gaining momentum.
- In the first half of 2025 alone, the tokenized real-world asset (RWA) market surged from $8.6 billion to over $23 billion, a staggering 260% increase.
- Compared to the end of 2024 ($15.2 billion), this represents an 85% growth in just six months.
- As of August 2024, total value locked (TVL) in tokenized RWAs exceeded $7 billion**, with forecasts predicting **$50 billion by year-end — and some optimistic estimates pointing to $500 billion in the near future.
Long-term outlooks are even more compelling:
- By 2030, tokenized assets could reach $13.5 trillion to $16 quadrillion
- By 2033, that number may climb to $18.9 quadrillion
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Institutional Adoption Accelerates
Major financial institutions are no longer merely experimenting — they’re deploying live solutions.
- BlackRock launched its BUIDL fund in March 2024, tokenizing U.S. Treasury bonds on-chain.
- Goldman Sachs and BNP Paribas are piloting projects on the Canton Network, focusing on interoperable institutional-grade blockchains.
- JPMorgan, Fidelity, Franklin Templeton, and Apollo Global Management are all actively involved in developing or investing in tokenization platforms.
Even DeFi protocols are integrating RWAs:
- Platforms like Ethena, Maple, Spark, and Morpho now allow tokenized assets to generate yield within decentralized lending markets.
- Oracle solutions such as RedStone provide accurate, real-time pricing data crucial for institutional-grade risk management.
These developments signal a convergence between traditional finance (TradFi) and decentralized systems — creating fertile ground for efficient settlement layers like XRP.
Visionaries Leading the Charge
Few voices carry more weight than Larry Fink, CEO of BlackRock — the world’s largest asset manager.
In his 2025 letter to investors, Fink declared:
“Every stock, bond, and fund can be tokenized. This is the future of investing.”
He reiterated this vision at the 2025 World Economic Forum in Davos, urging regulators worldwide to embrace tokenization. According to Fink, tokenized securities will streamline ownership tracking, simplify voting rights, enable fractional ownership, and dramatically improve liquidity — lowering barriers to entry for retail investors globally.
Such endorsements from top financial leaders underscore that tokenization isn’t a fringe trend — it’s becoming central to the next phase of global finance.
Frequently Asked Questions (FAQ)
Q: What does it mean for an asset to be tokenized?
A: Tokenization converts ownership of physical or financial assets into digital tokens on a blockchain, enabling easier transfer, divisibility, and automation through smart contracts.
Q: Why could XRP benefit from global tokenization?
A: XRP offers fast settlement (3–5 seconds), low transaction costs (~$0.002), and high scalability — ideal traits for handling large volumes in a tokenized economy.
Q: Is a double-digit XRP price realistic?
A: While speculative, models based on conservative assumptions (e.g., 1% share of $100T economy) show XRP reaching $18–$90 if it plays a key role in settlement or collateral systems.
Q: How soon could widespread asset tokenization happen?
A: Early adoption is already underway. Experts project significant growth by 2030, with mainstream integration expected over the next decade.
Q: Could regulatory issues block XRP’s role in tokenization?
A: Regulatory clarity remains key. However, growing institutional participation and technological maturity are helping shape compliant frameworks globally.
Q: What happens if other blockchains dominate RWA issuance?
A: Even if other chains issue assets, XRP could still serve as a settlement rail due to its speed and cost efficiency — much like SWIFT doesn’t hold money but moves it securely.
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Final Thoughts
The path toward a fully tokenized global economy is accelerating faster than many anticipated. With trillions in assets poised to move on-chain within the next decade, the need for efficient infrastructure has never been greater.
XRP — with its proven track record in cross-border payments and growing relevance in institutional finance — is well-positioned to play a pivotal role. Whether facilitating daily settlements or serving as digital collateral, even minimal adoption could propel its price into uncharted territory.
While no prediction is guaranteed, the convergence of technology, institutional interest, and macroeconomic trends paints a compelling picture: if the world goes tokenized, XRP may not just participate — it could thrive.
Core Keywords:
tokenized economy, XRP price prediction, real-world assets (RWA), blockchain settlement layer, institutional adoption, DeFi collateral, global tokenization