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📌 XRP Price Projection if Used in 20% of E-Commerce Payments by 2029

🔍 Research Note by: Hammad Sohail | Binance Pakistan Analyst

Ripple’s real-world potential may still be underappreciated by the market. If XRP captures just 20% of global e-commerce payments by 2029, it could become a major force in the crypto space.

Let’s explore two potential models:

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💡 Model 1: XRP as a Utility Token for E-Commerce

Using the Velocity of Money formula, we can model XRP as a digital settlement asset facilitating online transactions.

Assumptions:

XRP supports 20% of global e-commerce payments.

XRP circulates 4 times/year.

📊 Required Market Cap → $570 Billion
📈 Estimated Price per XRP → $9.50

If velocity is slower — say 2 times/year — then:

📈 Estimated Price per XRP → $19.00

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🔥 Model 2: The Speculative Scenario

Speculation drives a lot of value in crypto markets. Investors often price in future use cases long before they materialize — like with Bitcoin.

If we apply a 15x speculative multiplier to the $570B utility model:

📊 Speculative Market Cap → $8.55 Trillion
🚀 Price per XRP → $142.50

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🧠 Final Takeaway:

If Ripple’s adoption in e-commerce becomes a reality, XRP has massive upside — both in utility-based and speculation-driven models.
It could be a game-changer for long-term holders.

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