Forget about billions — XRP could reach trillions, top experts say

Ripple’s recent moves are gaining new attention after Western Union selected Solana for its USDPT rollout in 2026. XRP supporters say that headline misses the bigger picture. In other words, Ripple is acquiring companies that touch a much larger pool of capital.

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The Western Union deal could potentially direct more than $100 billion in annual cross-border financial flows to Solana. But some say the amount is small compared to the pipeline Ripple is involved in.

Trillions, not billions

Based on the report, Ripple has added companies that already exist within its large payments and liquidity system. Hidden Road, a global prime brokerage, raises approximately $3 trillion annually.

GTreasury provides financial tools that move trillions of dollars in payments to over 160 countries. Rail processes approximately 10% of stablecoin-based payment volumes worldwide.

These numbers are important because ownership gives a different kind of access than a short-term partnership.

Many people have asked for my opinion on the Western Union x Solana announcement, so here it is.

TLDR: Billions are cool, but trillions are even cooler.

While Western Union handles billions of dollars each year, Ripple is increasingly handling trillions of dollars each year.

— Dom | EasyA (@dom_response) October 29, 2025

Market Comments and Skepticism

The market voice was pushed back. Scott Melker questioned the current role of XRP after Western Union chose Solana, noting that Western Union had been testing the XRP Ledger for years.

This choice has sparked a debate about whether XRP is even relevant for large-scale global payments at this time. At the same time, Ripple supporters argue that there is a deeper story behind which chain a single company chooses as its stablecoin.

XRP as a payment layer

According to EasyA co-founder Dom Kwok, the right lens is scale. He argues that the conversation should not focus on deals worth billions of dollars, but on the trillions of dollars that Ripple is currently involved in through acquisitions.

Kwok and colleagues suggest that these companies could be induced to use the XRP ledger for payments over time. Ripple’s unique technology and business moves are framed as the plumbing that allows XRP to settle large-scale institutional flows.

Supporters speak out

Flair CEO Hugo Filion also downplayed the Western Union news, saying it does not undermine Ripple’s strategy. Based on reports from community stakeholders, some engineers and analysts are now saying that XRP could move from a bridge token to a place where people hold value.

There will come a time when XRP and XRPL will indeed store most of your wealth. It’s called the Treasury.

Hint hint.

— Vincent Van Code (@vincent_vancode) October 17, 2025

“There will come a time when XRP and the XRP Ledger will be where you store most of your wealth,” Vincent Van Code told his followers. This is a view that echoes comments from Ripple CTO David Schwartz that users are acting as their own banks.

Ownership vs. Partnership

When a company owns a platform, it can choose how its tools grow. According to the report, the acquisition will allow Ripple to play a more stable role in payment and trading services than a single contract. But ownership does not guarantee immediate change. Moving an institution’s flows to a specific ledger can be complex and time-consuming.

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What does this mean going forward?

For now, the discussion follows two threads. There are also questions about whether wins like Western Union’s Solana deal indicate broader market preferences. The other will monitor whether Ripple purchases are converted into actual settled amounts of XRP.

Figures like $3 trillion, trillions of dollars in more than 160 countries, and 10% of stablecoin payments lend weight to the second view. But large-scale adoption won’t happen automatically, so observers will be looking for clear signs that these trillions of dollars are indeed moving to the XRP Ledger.

Featured images from Shutterstock, charts from TradingView