News XRP Tokenomics

3 Reasons Global Payments Could Push XRP Beyond $20

by Crypto Hobby

Updated August 12, 2025

XRP coin soaring past a $20 price point.

Ripple's XRP cryptocurrency is generating significant investor interest, largely due to its innovative approach to international payments.

The digital asset's underlying blockchain, the XRP Ledger (XRPL), is designed for rapid global transactions, potentially positioning XRP for substantial growth.

Analysts suggest that if XRP's role in international finance expands, it could see its value surge beyond $20.

Key Takeaways

XRP's potential to exceed $20 is linked to its speed, affordability, and Ripple's On-Demand Liquidity (ODL) service.
The XRP Ledger offers transaction speeds of 3-5 seconds, outperforming traditional systems like SWIFT and Visa.
Low transaction fees contribute to XRP's global appeal and adoption.
Ripple's ODL service uses XRP as an intermediary for instant cross-border payments, eliminating the need for pre-funded accounts.

Prioritizing Speed Above All

The XRP Ledger is engineered for exceptional transaction speed, completing international transfers in a mere three to five seconds.

This rapid processing capability significantly outpaces established financial networks such as SWIFT and Visa.

Should this technological advantage lead to widespread adoption in mainstream finance, XRP's value could see a dramatic increase, potentially reaching and surpassing the $20 mark.

Affordability Binding Its Global Appeal

Beyond its impressive speed, XRP also offers highly competitive transaction fees.

This cost-effectiveness, combined with its swift transfer capabilities, makes XRP an attractive option for international payments.

By providing a cheaper alternative to traditional financial institutions, Ripple's innovative model could drive greater adoption and momentum for XRP, fueling its ascent towards the $20 price point.

Ripple's On-Demand Liquidity Services

Ripple's On-Demand Liquidity (ODL) service is a key driver for XRP's potential growth.

ODL facilitates real-time cross-border payments by utilizing XRP as an intermediary currency.

This process allows for instant conversion and transfer of funds without the need to hold balances in various foreign currencies, thereby streamlining international transactions and reducing costs.

The efficiency and simplicity of ODL are expected to boost XRP's demand and visibility in the global financial landscape.