The possibility of global pension funds investing a fraction of their assets in XRP is gaining traction. As interest in XRP among institutional investors continues to grow, discussions around its long-term potential are intensifying. Several organizations, including Trident Digital, Webus, and VivoPower , have already announced plans to include XRP in their treasury holdings, suggesting growing confidence in the asset’s utility and future performance. Amid this increasing institutional activity, the question arises: What would happen if global retirement funds, which manage massive pools of capital, were to allocate even a modest 1% of their assets to XRP? The Magnitude of Global Pension Funds Estimates place the total value of retirement fund assets worldwide at roughly $50 trillion. These funds, comprising both private and public pensions, traditionally prioritize stable investments such as government bonds, equities, and real estate. However, the evolving investment landscape and rising recognition of digital assets have led to a reconsideration of cryptocurrency as a viable long-term allocation. A 1% investment from global retirement funds into XRP would amount to approximately $500 billion. This figure represents a substantial influx compared to XRP’s current market capitalization, and such a move could significantly reshape the token’s valuation. Price Implications Under a Linear Projection At present, XRP trades around $2.88 , with about 59.3 billion tokens in circulation. This puts its current market capitalization near $165 billion. If $500 billion were injected into XRP, and we assume a linear correlation between capital inflow and market capitalization growth, XRP’s market cap could rise to $665 billion. In that case, the projected price per token would increase to roughly $11.28. However, this straightforward estimation does not account for real-world market mechanics. In practice, large capital inflows often create disproportionately larger price movements due to liquidity gaps and investor reactions. In cryptocurrency markets, the multiplier effect refers to the amplification of price movements caused by limited liquidity and increased demand. When substantial buy pressure enters the market, it can cause prices to escalate rapidly, especially if sell orders are sparse at higher levels. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Applying a conservative multiplier of 1.5x to 3x on the linear estimate of $11.28, XRP’s price could realistically reach between $17 and $34 per token. This wide range reflects the volatility and reactive nature of crypto markets when faced with institutional-scale investments. Policy Shifts Supporting Crypto in Retirement Portfolios One major barrier to retirement funds adopting XRP has historically been regulatory caution. In 2022, the U.S. Department of Labor issued guidance warning against crypto exposure in retirement plans due to risks related to volatility, storage, and speculation. However, by May 2025, the Department rescinded that guidance and adopted a neutral stance on crypto assets in retirement portfolios. This regulatory shift, alongside similar changes by agencies such as the Federal Reserve and the FDIC , has created a more accommodating environment for institutional crypto participation. A modest allocation of 1% from global retirement funds into XRP has the potential to significantly influence the asset’s price and standing within the broader financial ecosystem. Beyond price growth, such participation would represent a strong signal of legitimacy, potentially encouraging further adoption among both institutions and individual investors. As regulatory barriers continue to ease and the infrastructure around crypto investment matures, the likelihood of such developments appears increasingly plausible. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Projected XRP Price If It Captures 1% of Global Pension Funds appeared first on Times Tabloid .
