How Ripple’s XRP Holdings Could Hit $40 Trillion—and What XRP Price That Would Require

One long-term aspiration of many XRP holders is to see a future where 1 XRP equals $1,000.

They believe such a scenario could permanently transform their financial position, with retail holders owning just a few XRP tokens potentially becoming millionaires. Indeed, at $1,000 per token, investors holding 1,000 XRP would see their holdings reach $1 million.

As enticing as this sounds, critics continue to urge caution against inflated expectations for XRP’s price. While critics often cite market capitalization as a limiting factor, some commentators are now drawing attention to Ripple’s potential financial position if XRP were to reach $1,000.

• A $1,000 XRP price would value Ripple’s holdings near $40 trillion.
• Analysts stress XRP price targets must align with market structure and balance-sheet reality.
• Ripple benefits from higher XRP prices, but four-digit levels face major adoption limits.
• Commentators urge focusing on realistic milestones like $5 before extreme price targets.

The Math Behind the $40 Trillion Problem

Instead, he urged investors to focus on more achievable milestones, starting with much lower psychological levels.

Notably, Ripple currently controls roughly 39.196 billion XRP, including escrowed tokens and spendable wallets. At $1,000 per XRP, that stash alone would be worth nearly $40 trillion.

For context, that figure would:

• Exceed the combined market capitalization of Apple, NVIDIA, Alphabet, Microsoft, and Amazon—the world’s largest public companies
• Rival or surpass the GDP of the largest global economies
• Place Ripple among the most valuable financial entities in history

This is why analysts argue that price discussions cannot be separated from balance-sheet reality. Even Ripple-friendly analysts who believe the company benefits from a higher XRP price generally view such valuations as far beyond current financial and market structures.

Ripple Benefits From Higher XRP, But There Are Limits

As highlighted in discussions from October through December 2025, Ripple’s leadership and community analysts have long acknowledged that a stronger XRP price benefits the company in multiple ways.

Ex-Ripple CTO David Schwartz has previously explained that higher prices:

• Improve liquidity
• Reduce volatility on large transactions
• Enable larger payment corridors
• Strengthen institutional confidence

Community analysts such as CrediBULL and Digital Asset Investor have also argued that Ripple’s success and XRP’s price performance are closely related, even if Ripple avoids openly discussing price targets for regulatory reasons.

However, these arguments do not imply that XRP needs to reach four-digit prices in the foreseeable future.

“Let’s Focus on $5 First”

Versluis acknowledged XRP’s long-term potential but stressed that ultra-bullish targets distort expectations. According to him, the infrastructure, adoption, liquidity, and regulatory clarity required to justify a four-digit XRP price simply do not exist today.

“We have a VERY long road ahead,” he said, adding that the conversation should center on $5 before even entertaining much higher numbers.

His stance aligns with his more general view that markets move in stages, and skipping those stages creates unrealistic narratives, particularly for newer investors.

Projected Timelines for XRP to Reach $1,000

Meanwhile, some analysts have shared their own “realistic” timelines for when XRP could reach $1,000. One of the most widely cited projections comes from the Changelly exchange, which stated in a report that XRP could reach $1,000 by October 2040, approximately 14 years from now.

On the other hand, independent analysts such as YoungHoon Kim and Matthew Brienen have suggested earlier timelines around 2030. However, some XRP supporters argue that XRP could struggle to reach $100 even by 2030, let alone $1,000.