● Japan Banks Flood XRP, Ripple Rockets Toward 16 Dollar Target
In this article, I will focus on scenarios that could occur if Japan’s massive financial capital flows into XRP (Ripple), the shocking target price predicted by AI, and the deep-rooted connection between the Japanese financial sector and Ripple, which simple news reports do not cover. After reading this, you will definitely get a sense of why global capital is currently paying attention to the combination of Japan and the crypto market.
The Scenario of Japanese Banks Fully Adopting XRP: Beyond Simple Expectations
First, let’s touch upon the hottest topic. Recently, an intriguing hypothesis has been circulating in the market: “What if all Japanese banks used XRP?” The reason this isn’t just a rumor is due to the scale of the Japanese financial market.
Currently, Japan forms one of the world’s leading massive Financial Capital markets.Including mega-banks like Mitsubishi UFJ, Mizuho, and Sumitomo Mitsui, as well as regional banks, the total assets held by Japanese banks amount to a whopping approximately $9.65 trillion (about 1,447 trillion yen).
If this enormous flow of funds converts to a blockchain-based Digital Asset system, the impact would be unimaginable, right?I analyzed the ripple effects assuming that not only is the remittance network changed, but a portion of assets is converted to XRP for liquidity supply.
XRP Target Price Analyzed by AI (Google Gemini): The Basis for $16
I ran an interesting simulation using Google’s generative AI, Gemini.Assuming XRP is trading at around $2 at the current point (in the context of December 16, 2025, for this article), what would happen if just 10% of total Japanese bank assets flowed into the XRP market?
- Assumption: 10% of total Japanese bank assets ($9.65 trillion) is reflected in XRP’s market capitalization.
- Result: XRP’s market capitalization surges to approximately $965 billion.
- Projected Price: Dividing this by the circulating supply, the XRP price would skyrocket to about $16.08 per unit.
This means there is an upside potential of over 800% compared to the current price.Of course, the AI also expressed caution, stating that “settlement assets do not directly reflect the total balance sheet of banks,” but from the perspective of Fintech Innovation, it is viewed as a sufficiently possible scenario if it performs the role of a liquidity bridge.
[In-depth Analysis] The Real Relationship Between ‘Japan and Ripple’ That Others Won’t Tell You
The news simply says “the price will go up,” but we need to look beneath the surface. Why Japan?It’s not just simple expectation; it’s because the actual Infrastructure is already laid out. This is the most important investment point I pick.
- Blood Alliance with SBI Holdings: Since 2016, Ripple has established ‘SBI Ripple Asia’ in a joint venture with SBI Holdings. This was more than a simple partnership; it was a determination to dominate the payment network within Japan.
- Japan Bank Consortium: Already in 2017, a consortium involving 61 banks in Japan (accounting for 80% of total assets) was formed to test Ripple’s RC Cloud platform. In other words, technical verification is already finished.
- Real-world Use Case: SBI Remit has already introduced ODL (On-Demand Liquidity) services utilizing XRP for the Japan-Philippines remittance route.
Ultimately, this price prediction should not be interpreted as a pipe dream, but as a signal that the moment is approaching when the results of the expansion of the Economic Ecosystem, built over nearly 10 years, will burst forth.
< Summary >
- Scenario: Assuming 10% of total Japanese bank assets (approx. $9.65 trillion) are reflected in the XRP market.
- AI Prediction: Google Gemini analysis results show XRP price could reach approx. $16.08 (+800% vs current).
- Core Point: The massive asset scale of the Japanese financial sector and the technical combination with Ripple.
- Hidden Fact: Practical infrastructure and testing are already complete, including a long-term partnership with SBI Holdings and a consortium of 61 banks.
- Conclusion: Beyond simple speculation, liquidity from Japan could be the trigger to change the Global Economic Outlook and the landscape of the crypto market.
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*Source: https://thecryptobasic.com/2025/12/16/if-every-bank-in-japan-starts-using-xrp-heres-how-high-xrp-may-rise/
