XRP is no longer just a cryptocurrency—it’s being positioned as a backbone for cross-border financial flows. In a recent social media post, crypto analyst X Finance Bull emphasized that Ripple’s ambitions go far beyond niche crypto use cases, instead targeting a share of the $150 trillion global cross-border payments market.
“$XRP isn’t targeting a niche,” he wrote. “It’s aiming at a $150 TRILLION cross-border flow. Banks. Fintechs. Crypto rails... When Ripple eats even 0.1%, that’s $150B riding XRP.”
This vision frames XRP not as a speculative coin but as a foundational utility token for institutions seeking faster, cheaper, and more reliable international payments.
$XRP isn’t targeting a niche, it’s aiming at a $150 TRILLION cross-border flow.
— X Finance Bull (@Xfinancebull) May 26, 2025
Banks. Fintechs. Crypto rails. When Ripple eats even 0.1%, that’s $150B riding #XRP.
Now ask yourself… what happens when it hits 1%?
This isn’t speculation. It’s inevitable. pic.twitter.com/9avH1uzvpZ
Ripple Payments: Infrastructure for All
Ripple’s payment infrastructure is designed to cater to multiple financial verticals, including banks, fintechs, and crypto service providers. For crypto platforms, Ripple offers seamless integration for cross-border stablecoin and digital asset flows. Payment service providers gain access to instant third-party settlements, while fintech firms are empowered with payment-as-a-service models to drive new revenue streams.
Perhaps most importantly, banks are offered a cost-saving alternative to SWIFT through Ripple’s direct global settlement framework, bypassing traditional correspondent banking routes.
This strategic multi-sector approach positions Ripple as a universal financial tool—not just a blockchain platform.
Community Response: A Financial Reset in the Making
The XRP community has resonated with X Finance Bull’s remarks, with users noting that Ripple’s market scope might be even broader than estimated. One user highlighted that SWIFT alone processes over $300 trillion annually, suggesting that Ripple’s $150 trillion target might be conservative.
Responding to this, X Finance Bull stated, “We’re not early to a coin, we’re early to a full-on financial reset,” suggesting that XRP could play a central role in a new global financial order.
As Ripple continues to expand its utility-focused roadmap, even a modest 0.1% market capture would represent $150 billion in flows through XRP. Whether or not Ripple achieves this scale, the infrastructure it’s building signals a serious play for the heart of global finance.
Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of Chain Affairs. Before making any investment decisions, you should always conduct your own research. Chain Affairs is not responsible for any financial losses
I’m the cryptocurrency guy who loves breaking down blockchain complexity into bite-sized nuggets anyone can digest. After spending 5+ years analyzing this space, I’ve got a knack for disentangling crypto conundrums and financial markets.
