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How high could the XRP price surge if XRP captured a slice of the $2.3 trillion capital Franklin Templeton confirmed moved from banks to new financial rails?
Notably, a recent interview between Paul Barron and Franklin Templeton executive Sandy Kaul highlighted a major change in how younger generations move and grow their money.
Barron called attention to a gap between age groups in their approach to investing. He said many baby boomers now try to lower their exposure to risk, while Gen X investors, including himself, still take an active role in the markets and feel more comfortable taking on risk.
$2.3T Has Moved from Banks to New Rails
He also noted that millennials and Gen Z think about wealth in a very different way, especially as many of them work flexible or hybrid jobs. He asked if this younger group might feel more confident making bold moves in new financial sectors because of their comfort with technology and digital tools.
Responding, Kaul agreed. She explained that older generations usually built wealth through retirement portfolios and homeownership, but today’s young adults struggle to enter the housing market. As a result, many of them now look for new ways to build long-term financial stability.
She highlighted a report showing that about $2.3 trillion has already left traditional banks for financial apps and open-banking platforms. She said this change continues to grow because younger investors trust digital tools that help them maximize their future earnings.
Her comments slipped into the XRP community, which views XRP as one of the digital assets built to function as a modern institutional liquidity rail.
Some investors believe XRP could capture a share of this massive capital migration. With XRP trading around $2.02, it remains uncertain how much the value could rise if it absorbs even a fraction of the $2.3 trillion shift. To explore this, we asked Google Gemini.
Possible XRP Price if XRP Captures a Chunk
In response, Gemini called any potential projection hypothetical and extremely optimistic. The chatbot noted that Kaul’s comments point to a large move of capital into new digital rails, an area where XRP aims to play a major role.
Further, Gemini stressed that crypto markets do not move in a simple 1:1 pattern because market value depends on the last traded price and the available supply. Since exchanges often have limited liquidity, even small inflows of real money can cause market caps to jump by a much larger amount.
Gemini then highlighted earlier research suggesting that $1 entering Bitcoin markets can expand its market cap by as much as 118x. Many market commentators leverage a multiplier of 10x to 50x for the broader crypto market.
Using XRP’s circulating supply of about 60.3 billion tokens, Gemini presented a few possible scenarios. First, if XRP attracted 5% of the $2.3 trillion shift, about $115 billion, and markets reacted with a 20x multiplier, XRP’s market value could rise to roughly $2.42 trillion. Gemini calculated this scenario to lead to an XRP price of $40.11.
However, in a more bullish scenario where XRP captured 10%, around $230 billion, and the market reacted with a 40x multiplier, Gemini estimated a total value near $9.32 trillion and a price around $154.50.
Overall, Gemini said XRP could theoretically reach between $100 and $150 under the most bullish conditions. However, it emphasized that XRP competes with stablecoins and Bitcoin, and that large token releases from Ripple’s escrow could reduce the multiplier effect.