The potential link between XRP and Elon Musk’s X Money platform continues to be a major focus for XRP commentators and Digital Asset Investor (@digitalassetbuy). This connection is now harder to overlook following Cross River Bank’s announcement of a partnership with Ripple to embed RLUSD directly into its core banking architecture.
The X Money Link Takes Shape
Because Cross River Bank has ties to Stripe, and Stripe functions as the backend for X Money, Digital Asset Investor highlighted this transactional bridge. Cross River Bank has officially verified it will facilitate transactions on the XRP Ledger and incorporate RLUSD into its foundational banking framework for international settlements.
For years, he has maintained that X Money would utilize XRP behind the scenes. He contends that the Cross River Bank announcement represents the exact pathway for XRP to link with X Money. Institutional analysts share this perspective, pointing out that the development was foreseen months prior by closely monitoring institutional publications.
XRP X Money Connection & The Lack Of Supply Will Make People Sick pic.twitter.com/9a59BGozyc
— Digital Asset Investor (@digitalassetbuy) October 16, 2026
The Numbers Behind the Supply Crunch
Aside from the X Money speculation, Digital Asset Investor views the dynamic surrounding XRP’s supply as equally critical. The maximum supply of XRP is fixed at 100 billion tokens, with ledger transaction fees steadily burning down that figure. This compression is further heightened by ongoing institutional accumulation.
Citing data outlined by the Modern Investor (@ModernInvest), he noted that corporations have acquired 1 billion XRP in individual orders. During a single 24-hour window, 1.6 billion XRP was withdrawn from exchanges. This velocity means over 1% of the total supply leaves exchanges daily—a pace that would drain the entire circulating supply in less than 100 days.
Who’s Holding and Who’s Left Out
Digital Asset Investor ties these supply constraints directly to broader institutional involvement, noting that Evernorth, exchange-traded funds (ETFs), and expanding collateral utility all contribute to the squeeze. When factoring in Ripple’s locked-up holdings and the significant inventories accumulated by early institutional buyers over the past 14 years, the remaining float is heavily diminished. He calculates that only 30 billion to 40 billion XRP are realistically available for the market.
The Institutional Case and Price Outlook
Stuart Alderoty, Ripple’s Chief Legal Officer, described Evernorth’s regulatory milestone as a “badge of validation” for institutional adoption. Meanwhile, analyst Matt Hougan estimated that hundreds of trillions of dollars in global wealth—spanning equities, bonds, and real estate—will eventually transition on-chain.
Digital Asset Investor positions XRP at the forefront of roughly 25 vital infrastructure assets identified by the DTCC. Regarding valuation, he views a price target of $5 to $8 as “ridiculously achievable in weeks, months,” compared to XRP’s current trading price of $1.34.
Frequently Asked Questions
What is the connection between X Money and XRP?
Digital Asset Investor notes that Stripe serves as the backend for X Money, and Cross River Bank connects to Stripe. With Cross River Bank partnering with Ripple to integrate RLUSD into its banking infrastructure for cross-border settlements on the XRP Ledger, analysts see a clear path for XRP to connect with X Money.
How fast is the XRP supply shrinking?
According to data referenced from the Modern Investor, 1.6 billion XRP was withdrawn from exchanges in a single 24-hour period. At that rate, more than 1% of the total supply exits exchanges daily, which would theoretically deplete the circulating supply in under 100 days.
How much XRP is realistically accessible?
Digital Asset Investor estimates that only 30 billion to 40 billion XRP remain realistically accessible to the market, factoring in Ripple’s committed holdings, early institutional portfolios built over 14 years, transaction burns, and tokens held in ETFs and Evernorth.
What are the price predictions for XRP?
Digital Asset Investor believes a price target of $5 to $8 is “ridiculously achievable in weeks, months,” up from its current trading level of $1.34.
Explained in this article
Exchange-traded fund
An investment fund that holds a basket of assets, such as the shares in an index, and trades on a stock exchange like a single share.
ETFs offer low-cost, diversified investing and are a fast-growing way people save.
More about Exchange-traded fundBond
A loan made by an investor to a government or company, which pays interest and returns the money on a set date.
Bond yields set the baseline for borrowing costs across an economy.
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Written by
Elara Winter
