Can XRP Reach $316? Analysts Weigh In on M1 Money Supply Comparison

Could XRP skyrocket to unprecedented levels if its market cap matched the U.S. M1 money supply? That’s the bold question driving excitement among XRP enthusiasts and crypto analysts alike. While XRP has recently seen modest price movement, optimism about its long-term potential remains strong across the board.

Some market forecasts envision XRP hitting staggering price points between $50 and even $100 as it continues to position itself as a key player in global payments and cross-border transactions. But what if XRP’s total valuation equaled the value of the United States’ M1 money supply?

XRP Price If It Reaches the U.S. M1 Money Supply

According to CEIC Data, the U.S. M1 money supply reached approximately $18.4559 trillion in January 2025, reflecting an increase from $18.4339 trillion just a month earlier. M1 includes the most liquid forms of money, such as physical currency, checking accounts, and demand deposits essentially the cash available for everyday use in the economy.

Meanwhile, XRP is currently priced at around $2.23, with a circulating supply of 58.39 billion tokens and a total supply nearing 99.98 billion. This gives XRP a current market cap of about $130.4 billion, according to CoinMarketCap.

If XRP’s total market cap were to match the U.S. M1 supply, the results would be eye-opening:

• Based on its fully diluted supply (99.98 billion tokens), XRP could reach a price of $186 per token.
• Using the current circulating supply (58.39 billion tokens), the token could soar as high as $316.

These theoretical values show how high XRP could climb if it captured liquidity equivalent to one of the largest monetary aggregates in the world.

• Could XRP Hit $186 or Even $316?

Crypto exchange Changelly is particularly bullish on XRP’s long-term trajectory. According to their forecast, XRP could reach as high as $315 by February 2040, nearly mirroring the $316 price projection based on the M1 valuation.

They also suggest XRP could achieve $186 as early as January 2040, showing confidence in the token’s growth potential over the next 15 years.

However, not every analyst is on the same page. Forecasts from Telegaon offer a more conservative outlook. Their data suggests XRP may peak at $160 by 2040 and potentially reach $186 between 2040 and 2050. But they remain skeptical that XRP could ever hit the $315 mark, even in the distant future.

Realistic or Speculative?

While the idea of XRP reaching values like $186 or $316 is exciting for investors, it hinges on major shifts in adoption, utility, and global financial integration. The M1 money supply comparison paints a compelling “what-if” scenario, but real-world outcomes depend on a variety of economic, technological, and regulatory factors.

Still, one thing remains clear: XRP continues to be one of the most closely watched and hotly debated digital assets in the market.