XRP Price as Ripple Treasury Processes $13 Trillion in Payments Annually, CEO Confirms

Discussion about XRP future price is back in focus as Brad Garlinghouse confirmed that Ripple’s treasury arm processes $13 trillion in annual payment flows.

This disclosure came during a recent interview on FOX Business, in which Garlinghouse outlined how Ripple has spent nearly $3 billion on acquisitions since 2023. The money helped Ripple expand into custody, prime brokerage, treasury management, and stablecoin payments.

A key part of this strategy was acquiring the treasury management firm GTreasury, which is now integrated into Ripple’s infrastructure stack. With XRP currently trading around $1.41, investors are asking what might happen if even a fraction of that $13 trillion shifted onto the XRP Ledger.

Ripple’s $13 Trillion Treasury Machine

During the interview, Garlinghouse explained that Ripple has been building “bridges” between traditional finance and crypto-native systems. He noted that Ripple Treasury processed approximately $13 trillion in payments last year. However, none of these flows were stablecoin-enabled or settled using crypto infrastructure.

At the same time, Ripple is seeing growing demand from more than 1,000 corporate customers. According to Garlinghouse, CFOs and CEOs are increasingly exploring how blockchain solutions can unlock capital trapped overseas and improve liquidity efficiency.

In other words, Ripple already handles massive traditional finance flows, and the missing piece is crypto integration.

What If XRP Becomes the Bridge Asset?

If even part of that $13 trillion were settled using XRP via Ripple’s On-Demand Liquidity model, the impact would depend on one critical factor: velocity.

A utility-based valuation model by Grok estimates XRP’s price using this formula:
Price = Annual Volume / (Circulating Supply × Velocity)

With roughly 61 billion XRP in circulation and $13 trillion in annual volume, the base calculation would imply a theoretical price above $200. Grok noted that this scenario assumes each XRP is used once per year.

However, it acknowledged that this suggestion is unrealistic for a fast-settlement token. In a more realistic scenario, according to Grok, if XRP changes hands at a moderate rate, its price could range from $10 to $25. 

However, if institutions hold XRP as liquidity reserves, slowing its movement, the projection rises to $30–$40. If XRP is used purely as a rapid bridge asset and traded within seconds, the price impact would likely be much smaller.

Stablecoins vs. XRP: The Deciding Factor

Another key variable is whether corporates prefer stablecoins over XRP. If payment flows migrate to the XRP Ledger but settle primarily in stablecoins, XRP’s price impact could remain modest even as network usage grows.

However, if XRP becomes the preferred bridge asset connecting currencies and stablecoins, demand would increase significantly. At 5% adoption of $13 trillion, XRP-enabled flows could reach $650 billion annually.

XRP’s Position Today

At $1.41, XRP remains far below the levels implied in aggressive utility-based models. 

Ripple’s treasury volume represents only a fraction of global cross-border payment markets, which are in the hundreds of trillions annually. But the fact that Ripple already processes $13 trillion through traditional rails gives the company a unique strategic position.

The transition to XRPL, if it happens, would be gradual. CFOs move cautiously, regulatory clarity will matter, and stablecoins may lead early adoption.

Still, the scale of the opportunity keeps XRP investors intrigued. If even 2–5% of Ripple Treasury’s reported flows eventually use XRP as a bridge, the long-term valuation case strengthens. If not, XRP may continue to trade more on narrative momentum than on institutional utility.