Ripple Is Quietly Eating This $155 Trillion Market: XRP Is the Bridge Asset Making It All Move

The size of the global cross-border payments market remains one of the strongest arguments cited by Ripple and XRP supporters.

According to XRP analyst Xaif Crypto, Ripple is steadily positioning itself in an industry worth $155 trillion, while leveraging technology designed to make international transfers faster and less expensive than traditional payment systems.

Xaif Crypto pointed to Ripple’s growing network and XRP’s role within its payment infrastructure. The analyst wrote in an X post that Ripple is “quietly eating” into the $155 trillion market, highlighting more than 300 financial institutions connected to RippleNet, settlement times of three to five seconds, transaction costs that are 40% to 70% lower than traditional systems such as SWIFT, and XRP’s function as the bridge asset that facilitates these transactions.

$155 TRILLION. that's the market Ripple is quietly eating 👀

300+ banks on RippleNet, 3–5 second settlements, 40–70% cheaper than SWIFT…

and $XRP is the bridge asset making it all move

— Xaif Crypto (@Xaif_Crypto) June 29, 2026

Monark Markets Profile Details Ripple’s Business

To support the post, Xaif Crypto shared slides from Monark Markets’ “Private Profile” series, which examines late-stage private companies and pre-IPO opportunities. The presentation describes Ripple as a provider of network and custody software that enables banks to send and store cross-border digital payments.

Founded in 2012 and headquartered in San Francisco, Ripple is led by CEO Brad Garlinghouse and was founded by Chris Larsen, Jed McCaleb, David Schwartz, and Arthur Britto. According to the presentation, the company carried a reported valuation of approximately $15 billion in 2024 after raising more than $293 million in funding.

The profile identifies the annual cross-border payments market as a $155 trillion opportunity. It contrasts legacy payment infrastructure, which requires three to five days to settle transactions while charging fees of up to 10%, with Ripple’s infrastructure that aims to reduce costs by as much as 70% while completing settlements in roughly five seconds.

XRP’s Role Within Ripple’s Payment Network

A major focus of the presentation is XRP’s utility as a bridge asset. According to the slides, XRP allows banks to convert one currency into another almost instantly without maintaining pre-funded accounts in multiple countries, a process intended to improve liquidity and reduce operational costs.

The presentation also outlines Ripple’s business model, which extends beyond XRP. Revenue is from software licensing fees, institutional XRP sales used for on-demand liquidity, and interest earned through institutional lending products.

Monark Markets further highlights Ripple’s product ecosystem, including xCurrent for bank-to-bank settlement tracking, On-Demand Liquidity (formerly known as xRapid), xVia for payment integration, RippleNet as the company’s broader payments network, and solutions focused on central bank digital currencies and institutional digital asset custody.

Growth Opportunities Balanced by Risks

Beyond payments, the presentation outlines additional markets that Ripple is pursuing, including CBDCs, which it estimates could represent a $5 trillion to $10 trillion opportunity by 2030, as well as institutional crypto custody, trading, and settlement services projected at $1.3 trillion by the end of the decade.

At the same time, the report acknowledges several risks. These include regulatory scrutiny over Ripple’s relationship with XRP, competition from other payment technologies, and the possibility that sovereign-issued CBDCs could eventually reduce the need for private bridge assets.

Overall, Xaif Crypto’s post centers on the investment case presented by Monark Markets, which concludes that Ripple’s expanding network, lower transaction costs, rapid settlement capabilities, and XRP-powered liquidity solution position the company to pursue a significant share of the global cross-border payments industry while continuing to navigate regulatory and competitive challenges.