XRP could one day become a $100 trillion asset, with the key driver being institutional demand to use the token as locked collateral, according to analyst xrpl_Adam. Contrary to the widespread belief that massive payment flows would justify extreme valuations, the analyst argues that only the use of XRP as collateral by major financial institutions would create a structural reason to hold large amounts of the token. Ripple’s $1.25 billion acquisition of Hidden Road, renamed Ripple Prime, positions the company as a potential prime broker that could accept XRP as collateral, though the token does not yet appear on published collateral schedules nor in rating agency KBRA’s reports. XRP currently trades around $1.09, down more than 70% from its July 2025 all-time high of $3.65.
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