In the ever-evolving world of digital assets, few cryptocurrencies spark as much conversation as XRP. Known for its strong ties to global finance and its potential role in cross-border payments, XRP has once again captured attention, this time through a compelling post by crypto commentator Ghost (@ghostweb3_X) on X.
In a short video clip, Ghost highlights a powerful, often overlooked reality: XRP may be far more scarce than most people realize.
The Case for XRP Scarcity
In the video, Ghost presents a clear and thought-provoking breakdown of XRP’s distribution and potential value. Using a projected market cap of $5 trillion, Ghost explores how XRP might be allocated among banks if it were adopted as a liquidity solution across the global financial system.
$XRP is more scarce than you think…
We’re about to be rich af 😭😭
This video is insane.s/o to @24hrscrypto1 for the alpha 🫡 great channel pic.twitter.com/ANpc3OX944
— ghost (@ghostweb3_X) June 11, 2025
Assuming a total supply of 99 billion XRP and a price of $48.51, Ghost calculates that if just 40 banks were using XRP, each would hold approximately 2.5 billion tokens. If 98 banks joined in, each would receive about 1 billion XRP. With 150 banks, the figure drops to around 660 million per bank, and if 300 institutions were involved, each would hold just 330 million XRP.
His conclusion is both simple and compelling: the more widespread the adoption, the less XRP is available per institution, and that scarcity could drive significant price appreciation. “You can see how scarce this token is,” Ghost noted. “When will people wake up?”
Ripple’s Institutional Push
Though Ghost’s figures are hypothetical, they’re rooted in XRP’s real-world potential. Ripple Labs, the company behind XRP, has been strategically positioning the asset as a bridge currency for cross-border payments.
Through its On-Demand Liquidity (ODL) service, Ripple enables instant settlement between currencies without the need for pre-funded accounts. This service is already being used by financial institutions in over 40 countries.
We are on twitter, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) July 15, 2023
Ripple’s ambitions are clear: to build the future infrastructure of global finance. In 2024, Ripple launched RLUSD, a U.S. dollar-backed stablecoin, further expanding its ecosystem and signaling its commitment to regulatory compliance and institutional integration.
Brad Garlinghouse, Ripple’s CEO, has repeatedly emphasized that XRP isn’t just a speculative token—it’s a tool designed to solve real financial problems. As more banks and payment providers seek faster, cheaper, and more reliable alternatives to legacy systems like SWIFT, XRP becomes an increasingly attractive option.
Supply Constraints and the Bigger Picture
Adding to the scarcity argument is the fact that not all 99 billion XRP are in circulation. As of mid-2025, approximately 58.8 billion tokens are actively circulating, while the rest remain locked in Ripple’s escrow system or held by long-term investors. This significantly reduces the available supply, particularly if institutional demand begins to surge.
If large financial institutions start accumulating XRP to power global liquidity solutions, retail investors may find themselves competing with entities that have far deeper pockets. This demand-supply imbalance could dramatically increase the token’s market value.
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
