Ripple Will Be the Amazon of Payments and Banking Infrastructure by 2040, Analyst Says

Jake Claver has an interesting answer to the question of where Ripple ends up on the global financial stage by 2040 to 2050.

“I think they will be the Goliath, the Amazon of payments and banking infrastructure,” he said. “Potentially even sooner with the acquisitions they made in 2025 and into 2026.”

The acquisitions he is referring to tell a story on their own. GTreasury for cash management. Ripple Prime, formerly Hidden Road, for clearing and prime brokerage. Rail for stablecoin issuance and managementRipple Custody, formerly Metaco and Standard Custody, which carries a trust-chartered bank and BitLicense in New York.

Put together, Claver describes Ripple as already functioning as a global infrastructure provider for backend payments and settlement. But he argues the endgame is something bigger.

Will $XRP Holders Actually Hold to $10 and Beyond?

Claver was asked directly what percentage of retail $XRP holders would sell before the token reached $10. His estimate was pointed.

“Probably 30 to 50% of people holding a significant amount of $XRP will likely liquidate at least a portion,” he said.

His reasoning reflects the reality of who holds the asset. Globally, approximately 250,000 people hold more than 3,000 $XRP. For many of them, a $10 price would represent a life-changing sum. Taking profits at 5x or 10x is rational behaviour, not weakness.

The holders Claver works with directly understand the longer thesis and are less likely to sell early. He has also built products allowing holders to collateralise their $XRP and generate returns without liquidating, removing the need to choose between holding long-term and accessing liquidity.

Ripple’s trajectory, in Claver’s telling, is not primarily a crypto story. It is an infrastructure story. The company is building the backend that every major financial institution will eventually run on, whether they acknowledge it or not.

The Amazon comparison is not accidental. Amazon built warehouses and logistics before most people understood why. Ripple is building settlement rails, custody infrastructure and liquidity direction before most banks are ready to admit they will need it.