XRP Price Prediction to Hit $28? Ripple’s XRPL $3 Trillion Potential Sparks Crypto Surge

Ripple‘s bold $1.5 billion acquisition of brokerage firm Hidden Road has set the stage for a positive XRP price prediction. As Hidden Road reportedly processes $3 trillion in annual volume, analysts are speculating how much of this activity could shift to the XRP Ledger (XRPL). 

Ripple CTO David Schwartz confirmed that a portion of this institutional volume might indeed route through XRPL. Meanwhile, Grok, a chatbot developed by xAI, shared a prediction assuming XRP serves as the settlement bridge for the entire volume.

Ripple’s Hidden Road Acquisition Signals New Era

Ripple’s purchase of Hidden Road marks a strategic leap into the institutional finance ecosystem. Hidden Road, a prominent prime brokerage firm, handles trillions in annual volume, making it a highly influential player in global transactions. The acquisition appears to align with Ripple’s long-term goal of strengthening its role in providing high-efficiency crypto settlement solutions through XRPL.

This development is viewed as a calculated effort to expand XRP’s use beyond retail and settlements. By channeling institutional flow through the XRPL infrastructure, Ripple could unlock previously untapped liquidity. With this momentum, the bullish XRP price forecast narrative gains traction.

Ripple’s Strategy: XRPL’s Trillion-Dollar Future

To evaluate the potential impact, xAI’s chatbot Grok presented a model using the quantity theory of money. Grok based its XRP price prediction on several core assumptions. The first is that the XRPL processes the entire $3 trillion volume. The next one is that XRP serves as the exclusive bridge asset. Using a circulating supply of 58.33 billion XRP and discounting 10% for locked liquidity, the effective supply drops to 52.497 billion.

Applying a velocity of 10 (each token used 10 times per year), Grok estimated a required market capitalization of $300 billion. Dividing this by the effective supply yielded a speculative base price of $5.71 per XRP, well above the current Ripple price. With bullish sentiment, regulatory clarity, and institutional buy-in, Grok included a 5x sentiment multiplier, resulting in a highly optimistic projection of $28.55 per XRP.

Image 1 – Bullish XRP price forecast, published on April 14, 2025.

This analysis circulated widely across social platforms, with crypto communities sharing reactions supporting the bullish XRP price forecast. The image of XRP rallying to new heights amidst growing XRPL adoption further fueled the excitement.

The Reality of Ripple’s Trillion Dollar Vision

Despite the optimism, Grok’s projection rests on speculative ground. For one, XRPL handling the full $3 trillion is a soaring expectation. Realistically, only a fraction may route through XRP, the projected price surge. Still, even partial integration with Hidden Road’s systems could lead to required gains.

Moreover, the velocity of XRP plays a crucial role. If tokens circulate faster, 20 times annually, the required market cap drops. It may potentially reach the predicted price. Conversely, lower velocity boosts the price. These variables show that the Ripple price forecast is highly sensitive to both market conditions and usage patterns.

Ripple’s ability to integrate Hidden Road seamlessly and drive XRPL adoption among institutions will be key. Combined with positive regulatory shifts and expanded utility, these factors could align to push the Ripple price into a new trajectory.

The Path Forward: Calculated Hype or Imminent Reality?

While the $28.55 estimate may seem overly ambitious, it boosts the growing confidence in Ripple’s institutional vision and XRPL’s potential to scale. As more developments unfold and partnerships solidify, this XRP price prediction may evolve from hypothetical to possible. The crypto community is watching closely, and the next chapters could redefine how we view XRPL adoption in the global financial landscape.