Here’s How Much Needs To Flow Through Ripple For XRP Price To Reach $3,700

cHowever, a growing segment of analysts believes the more important outlook is based on the financial infrastructure of Ripple and XRP.

The global financial system processes about quadrillions each year, a scale few investors truly grasp. Much of that flow moves through the Depository Trust & Clearing Corporation (DTCC), which still operates on settlement rails built decades ago. The need for improvement has led to interest in the architecture of Ripple’s ecosystem, and the math behind XRP’s price potential places it far above levels that most retail investors can think of.

The $3.7 Quadrillion System Ripple Is Competing With

The Depository Trust & Clearing Corporation (DTCC) processes about $3.7 quadrillion in transactions each year across traditional settlement rails. These systems were designed decades ago for batch processing and delayed settlement. However, the world is now becoming increasingly focused on tokenized assets, cross-border liquidity, and continuous 24/7 markets, which is making the limitations of those legacy systems more visible.

How XRP Will Reach $3,700

Ripple is becoming a notable player in the new path of global finance, and supporters are anticipating a steady rise in the price of XRP. Two notable figures have previously joined the company: Michael Bodson, the former CEO of DTCC, and Rosie Rios, the former US Treasurer.

According to a crypto analyst that goes by the name X Finance Bull on the social media platform X, their involvement shows Ripple is positioning itself to participate in the future architecture of financial settlement. This, in turn, is expected to play into the price action of XRP, and this is where the conversation changes to price discovery and where the math becomes clear.

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If only 1% of the DTCC’s annual $3.7 quadrillion volume eventually flows through XRP as a liquidity bridge, that represents $37 trillion in network value demand. Assuming a circulating supply of 100 billion XRP, that single percentage point of capture implies an XRP price around $370.

At 10% adoption, the total liquidity flowing through XRP would rise to around $370 trillion. Under the same assumptions, that level of network usage would correspond to a price of $3,700 per XRP. At 50%, the implied price is around $18,500 per XRP.

Ripple’s stablecoin is also expected to play an important role in this growth. According to X Finance Bull, RLUSD will act as the digital cash leg, while XRP becomes the neutral liquidity bridge for global settlement and FX movement.