Among the most stable cryptocurrencies in terms of market capitalization, XRP stands out as one that has remained in the spotlight since 2020, when the U.S. Securities and Exchange Commission (SEC) filed a lawsuit against its parent company, Ripple Labs . Despite the negative reputation surrounding it, XRP has managed to maintain its position within the top ten on CoinMarketCap , a position it has not slumped from since the rankings began. In fact, it has even managed to rebound and advance toward its previous levels of over $3.
At the time of writing, XRP is currently trading at $3.10, down 2.58% over the past 24 hours compared to the previous day.
In this article, we’ll dive into the current state of Ripple and XRP after the lawsuit, provide XRP price predictions for the next ten years, and look at what XRP and Ripple are and the differences between them, as well as the factors that affect the price of XRP and how to buy it in five simple steps.
XRP (Ripple) Price Prediction Overview
Is XRP a good investment? And will it reach $3 by the end of 2025? This question is on the minds of many investors. In this article, we will review our XRP price predictions in detail, highlighting our future estimates for its value over the coming years. Here’s a brief overview of these predictions:
- End of 2025: Our analysis indicates that the price of XRP could reach $3.19 by the end of 2025. With institutional adoption continuing and the impact of the 2024 Bitcoin halving expected to impact the altcoin market this year, these factors could contribute to an upward trend in the price of XRP .
- End of 2026: We expect XRP to continue its upward movement, reaching a high price of $7.27 by the end of 2026, unless the market experiences a major recession.
- End of 2030: With the continued rise in global cryptocurrency adoption, the emergence of a clear regulatory framework that provides confidence to investors, and increased acceptance of cryptocurrencies as a payment method by merchants, XRP is likely to attract many institutions seeking to expand into the crypto space. In this scenario, the price of XRP could reach $105.21 by 2030.
XRP Price Prediction 2025-2034
Below, we review what the future holds for XRP , attempting to answer the question: “Will the price of XRP rise?” and provide our annual price forecast for the period between now and 2034. As the table below shows, we are confident that the future of XRP looks promising and full of opportunities.
| year | Minimum expected price | Expected average price | Expected highest price |
| 2026 | $4.55 (42.75%) | $5.91 (85.50%) | $7.27 (128.25%) |
| 2027 | $6.29 (97.40%) | $10.44 (227.61%) | $15.64 (390.62%) |
| 2028 | $8.42 (164.24%) | $17.52 (449.84%) | $31.56 (890.37%) |
| 2029 | $10.90 (242.10%) | $27.89 (775.21%) | $59.65 (1,771.77%) |
| 2030 | $13.64 (328.02%) | $42.02 (1,218.48%) | $105.21 (3,201.26%) |
| 2031 | $16.48 (417.08%) | $59.77 (1,775.54%) | $172.53 (5,313.99%) |
| 2032 | $19.20 (502.58%) | $80.09 (2,413.07%) | $262.07 (8,123.56%) |
| 2033 | $21.57 (576.75%) | $100.81 (3,063.48%) | $367.10 (11,419.37%) |
| 2034 | $23.32 (631.75%) | $118.89 (3,630.53%) | $471.97 (14,710.00%) |
| 2035 | $24.25 (660.96%) | $130.93 (4,008.47%) | $554.00 (17,283.94%) |
XRP Price Prediction 2025
2025 looks set to be a pivotal year for XRP , especially after its legal troubles officially came to an end. Ripple Labs was ordered to pay a $125 million fine, significantly less than the $2 billion initially sought by the U.S. Securities and Exchange Commission (SEC) . The court also confirmed that XRP is not a security in individual sales. Additionally, charges against Ripple CEO Brad Garlinghouse and co-founder Chris Larsen were dropped, improving market sentiment around XRP .
The Bitcoin halving in April, the approval of exchange-traded funds (ETFs) for both BTC and ETH , and the potential launch of an XRP -specific ETF are expected to attract further attention and capital to the cryptocurrency market. As one of the leading cryptocurrencies, XRP is ideally positioned to benefit from this increased activity. Announcements such as SBI ‘s plan to integrate XRP into Japanese banking systems by 2025 have also boosted optimism around the currency.
In early 2025, XRP reached a new high of $2.70 following the launch of Ripple’s stablecoin RLUSD in December 2024. The success of the stablecoin improved XRP’s liquidity and increased its utility, providing additional impetus to its upward trajectory. The new US administration’s pro-cryptocurrency policies, along with Bitcoin’s strong performance after the fork, also contributed to the XRP market’s momentum .
Accordingly, we expect the price of XRP to reach an average of $2.45 in 2025 , with a potential high of $4.11 .
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XRP Price Prediction 2026
2026 is expected to be a period of calm after the storm caused by the record highs that markets witnessed in 2025. These periods typically witness significant declines in digital asset prices, with prices settling at levels approximately 75% lower than their previous peaks, but still higher than their pre-Bitcoin halving values.
However, this split may be different, as we could see prices maintain elevated levels for a longer period, thanks to regulatory bodies around the world continuing to establish legal frameworks regulating cryptocurrencies, which helps support their high valuations.
For XRP , this improvement in regulation is a positive sign. As more countries establish clear regulations, more Ripple ‘s partner financial institutions will become more open to using its services via the XRP Ledger. This use is expected to continue expanding within the Ripple ecosystem through 2026, as money transfers become a major source of utility for the Ripple Ledger and XRP .
During this period, the development and testing of central bank digital currencies (CBDCs) is also expected to continue to grow in some countries, and we may even see the launch of CBDCs by some governments. Ripple already offers CBDC-related services and is in talks with more than 20 countries to implement these projects. With CBDC transaction volume expected to grow from $100 million in 2023 to $213 billion by 2030, according to a Juniper Research report , these developments represent positive news for Ripple and XRP , helping to counter any downward pressure that may arise from the fallout from the Bitcoin split.
Based on this data, we expect XRP to see relatively stable valuations in 2026, with a high of $7.27 , a low of $4.55 , and an average price of $5.91 .
XRP Price Prediction 2027
The further into the future we look, the more difficult it is to accurately predict the price of XRP . However, in 2027, we expect continued adoption of cryptocurrencies, including central bank digital currencies (CBDCs), and the expansion of blockchain technology.
XRP is strongly positioned to benefit from the growth in institutional cryptocurrency usage, with Ripple playing a key role in attracting institutional capital to the network, enhancing the value of money transfers and increasing demand for XRP .
2027 is also expected to be the year in which the distribution of tokens from Ripple ‘s massive reserve of 55 billion XRP will be completed. This means that the entire XRP supply will become circulating in the digital economy, giving the currency a truly inflationary character as transaction fees continue to be burned on the network. However, it’s worth noting that Ripple continues to relock a portion of the unlocked supply monthly, which could delay this date to late 2027 or even 2028.
As a result of these factors, 2027 is likely to see continued growth and increased adoption of XRP , adding positive price pressure. However, this may not mean new record highs, but rather a more stable and narrow trading range. Based on this, our XRP price prediction for 2027 includes a high of $15.64 , a low of $6.29 , and an average price of $10.44 .
XRP Price Prediction 2028
Bitcoin’s fifth halving is scheduled for 2028. While many believe that Bitcoin and the markets will continue to follow previous cycles, the growing adoption of cryptocurrencies, along with additional benefits and uses that may emerge unexpectedly, may reduce the accuracy of these cyclical predictions.
The current regular use of digital assets may have prompted a massive Bitcoin buying spree before the halving, but it’s likely that XRP and other cryptocurrencies have broken away from their traditional peg to Bitcoin and taken their own independent path.
The adoption of central bank digital currencies (CBDCs), RippleNet , and the XRP Ledger is also expected to continue . Additionally, the supply of XRP will continue to decline as a result of network burns, contributing to increased upward pressure on the price.
Based on these factors, we expect XRP to reach a high of $31.56 in 2028 , with greater price stability, an average price of $17.52 , and a low of $8.42 .
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XRP Price Prediction 2029
If Bitcoin’s cyclical price pattern continues, 2029 is expected to see new all-time highs (ATHs) for Bitcoin and other digital assets. However, the gains may not be as sharp or strong as those seen in previous years.
Although XRP partially decoupled from Bitcoin several years ago, its price will continue to be influenced by the overall upward movement, leading it to reach a high of $59.65 , a low of $10.90 , and an average price of $27.89 .
XRP Price Prediction 2030
In 2030, we are expected to witness the repercussions of the Bitcoin halving that occurred the previous year. However, these repercussions will not be as severe as in the past, given the existence of clear global regulatory frameworks for digital assets, coupled with an unprecedented rise in global adoption and usage.
Ripple , using the XRP Ledger , may have significantly improved the global money transfer industry, a sector expected to reach $213 billion by this year. Furthermore, the XRP Ledger will see many new financial products and services added between now and 2030.
Although it’s difficult to predict the speed and utility of cryptocurrencies, our XRP price forecast for 2030 points to a successful stabilization of the currency. We expect it to reach a high of $105.21 , reflecting strong and sustainable growth over the years.
How to Buy Ripple (XRP)
XRP is one of the most popular cryptocurrencies due to its leading position in the market. It is available on most global platforms and markets, and can even be obtained from some brokerage firms through the 21Shares Ripple XRP ETP (exchange-traded product).
However, the recommended way to buy XRP is through a trusted cryptocurrency exchange. We recommend using Binance , the world’s largest cryptocurrency exchange, with an average daily trading volume of over $10 trillion and support for over 400 currencies and tokens across more than 1,400 markets.
Below, we outline the steps required to purchase XRP on the Binance platform , from creating an account to purchasing tokens, all in five easy steps:
Step 1: Create a Binance account
If you don’t already have an account, visit the Binance platform link , enter your email address or phone number, and agree to the terms and conditions and privacy policy to begin the registration process.Register your account here
Complete the registration process by entering the confirmation code sent to you, then create a strong password.
Step 2: Complete the KYC verification process
To use Binance services , users are required to complete the KYC (Knowledge Configuration) process. This process requires providing personal information, uploading a government-issued ID (such as a passport or driver’s license), taking a selfie, and completing a short questionnaire. If all required documents are ready, the process can be completed in less than 7 minutes.
Please note that this process requires using the Binance app on your smartphone in addition to your browser on your computer.
Once completed, identity verification may take up to 48 hours, sometimes longer.
Step 3: Fund your account
After verifying your identity, click the yellow “Deposit” button at the top of the page. Choose your preferred method to fund your wallet. You can do this by:
- Deposit cryptocurrencies.
- Buy cryptocurrencies directly via Binance .
- Buy cryptocurrencies peer-to-peer (P2P).
- Deposit funds using one of over 30 fiat currencies available.
Whichever method you choose, be sure to follow the instructions carefully, enter the correct address or account number, and ensure you enter the correct amount before confirming the transaction.
Step 4: Search for XRP on Binance
There are several ways to find XRP on the Binance platform , but the fastest way is to head to the magnifying glass icon at the top of the page. Enter XRP in the search box, then choose the trading pair you want to use. XRP can be traded on more than 10 markets on Binance , both against fiat currencies and other leading cryptocurrencies.
Step 5: Buy XRP
On the XRP market page , you’ll find a wide range of trading tools and charts. At the bottom of this page, you’ll find the buy box to complete your purchase.
In this box, select the “Market” option from the top left corner, which means you’ll pay the current market price to buy XRP , and your order will be executed immediately. Next, enter the amount you want to spend on XRP , and then click the “Buy XRP” button at the bottom to complete the purchase. The funds will appear in your account as soon as the transaction is completed, which usually happens almost instantly.
Is Ripple a good long-term investment?
Ripple ( XRP ) has numerous partnerships in the banking sector and offers a strong use case for significantly improving global money transfer services, making it a promising long-term investment for many. However, it’s important to note that cryptocurrencies are highly volatile assets, so investors should be prepared to tolerate market volatility with their investments.
Risks and Considerations in Investing in Ripple
XRP’s price fluctuates sharply throughout the year, with the potential to rise or fall by dozens of percentage points in just a single day, making it a high-risk investment. Ripple’s involvement in both the cryptocurrency and banking sectors is also a factor to consider, as the former is largely unregulated, while the latter is subject to strict oversight. Finally, although Ripple has seemingly concluded its legal battle with the U.S. Securities and Exchange Commission (SEC), the SEC still has the right to appeal the court’s decision.
Will XRP be the next Bitcoin?
Bitcoin launched the cryptocurrency movement, and from this movement emerged Ripple ( XRP ). Although XRP may experience significant price gains, it is unlikely to follow the same path as Bitcoin or reach its status.
