Analyst Jake Claver said Ripple could become a dominant force in global finance between 2040 and 2050, describing the company as the future “Amazon of payments and banking infrastructure.” He added that Ripple’s acquisitions made in 2025 and 2026 could accelerate that timeline.
Acquisitions point to a broader infrastructure strategy
Claver tied that view to a set of businesses Ripple has assembled across different parts of financial plumbing. GTreasury covers cash management. Ripple Prime, formerly Hidden Road, adds clearing and prime brokerage. Rail is focused on stablecoin issuance and management. Ripple Custody, built from Metaco and Standard Custody, includes a trust-chartered bank and a New York BitLicense.
Viewed together, he said, those pieces show Ripple already operating as a backend provider for global payments and settlement. The argument is not centered on consumer-facing crypto products. It is built around custody, clearing, liquidity direction, issuance, and the operational rails financial institutions rely on.
Claver expects some XRP holders to sell before $10
Claver also addressed what retail XRP holders may do if the token price climbs. Asked what share of holders would sell before XRP reaches $10, he estimated that roughly 30% to 50% of people with significant holdings would likely liquidate at least part of their position.
He linked that view to the current holder base. According to Claver, about 250,000 people worldwide hold more than 3,000 XRP. For many of them, a $10 XRP price would represent a life-changing amount of money. In that context, taking profits after a 5x or 10x move is, in his words, a rational decision.
Ripple’s long-term case is framed as financial plumbing
Claver said some holders he works with are less inclined to sell early because they understand the longer-term thesis. He also said he has built products that let holders use XRP as collateral and generate returns without selling, giving them access to liquidity while keeping exposure.
His core point is that Ripple’s path is not mainly a crypto narrative. He frames it as an infrastructure buildout aimed at the backend of banking and payments. In that comparison, Amazon built warehouses and logistics long before most people saw the full picture, while Ripple is building settlement rails, custody systems, and liquidity infrastructure before banks are fully ready to acknowledge the need.