Ripple’s XRP is once again under the spotlight as both investor sentiment and institutional interest surge. Currently trading around $2.18, XRP has already delivered notable gains in 2025. This comes after years of regulatory battles, which now seem to be approaching a resolution. The anticipated end of the Ripple vs. SEC lawsuit, paired with rumors of an XRP-based ETF, has significantly boosted confidence in the token’s long-term viability.

The first half of 2025 has been eventful for XRP. In mid-May, XRP tested a multi-month descending wedge at around $2.65 before retracing due to macroeconomic and geopolitical pressures. June, in particular, was turbulent, marked by a sharp pullback following the U.S.-Iran conflict and delays in ETF decisions. The token dipped to $1.94, breaching the 200-day EMA and triggering concerns among traders. However, investor resilience proved strong. Following the statement of a ceasefire on June 24, XRP surged by over 12%, climbing back above critical support zones.

Analysts believe that if the bullish momentum holds and XRP breaks past the $2.40 resistance, a retest of its former all-time high at $3.40 is feasible within the next few months. A sustained rally beyond that level could pave the way for XRP to challenge the $5.00 mark by the end of 2025. CoinPedia’s forecast aligns with this view, suggesting a high of $5.05 for 2025, supported by an average price target of $3.45 and a low estimate of $2.05.

A significant factor strengthening XRP’s bullish outlook is the rising whale activity. On-chain data shows a notable increase in transactions exceeding $1 million, while large holders (top 100 addresses) control nearly 70% of XRP’s circulating supply. Despite concerns about centralization, this institutional presence points to growing faith in Ripple’s technology and use case.

Ripple’s introduction of RLUSD, a U.S. dollar-backed stablecoin integrated into its payment ecosystem, is another critical development. The addition of RLUSD aims to boost transaction liquidity and streamline Ripple’s cross-border remittance service, further positioning XRP as a practical tool in global finance.

XRP Price Forecast 2026–2030

Looking further ahead, XRP is projected to continue its upward trajectory. In 2026, forecasts suggest the price could rise between $5.50 and $8.50, with an average near $6.25. This growth is expected to be driven by ongoing partnerships, technological enhancements, and increasing real-world usage.

By 2027, with stronger integration into global financial systems, XRP could climb to $13.25, maintaining an average near $9.00. In 2028, bullish analysts see XRP ranging between $11.25 and $16.00, boosted by more countries adopting RippleNet for CBDC and cross-border transactions.

By 2029, XRP could trade in the range of $14.25–$21.50, with an average estimate of $16.50. Continued momentum and mass adoption in the remittance market would play a pivotal role in achieving these levels.

For 2030, projections grow even more ambitious. With Ripple cementing itself as a central infrastructure provider in digital payments, XRP could soar to as high as $26.50. Average price estimates hover around $19.75, with a potential low of $17.00.

Long-Term Vision: 2031–2050 XRP Forecast

If Ripple continues innovating and expanding its reach across both institutional and governmental frameworks, XRP may become one of the most dominant crypto assets globally. Forecasts for 2031 predict a high of $35.25, while 2032 and 2033 place XRP near $41.25 and $47.75, respectively.

Further into the future, XRP could enter a new era. In 2040, price projections suggest XRP might reach up to $179.00, while 2050 forecasts are even more striking, with bullish scenarios placing XRP at a high of $526.00, assuming mass adoption, macroeconomic support, and widespread crypto integration into traditional finance.

Is XRP Still a Smart Investment?

Despite its legal troubles and periods of stagnation, XRP remains a strong contender for long-term investors. The token has real utility, institutional backing, and a clear vision for the future. With key catalysts like the potential ETF, rising adoption of Ripple Payments, and settlement of the SEC lawsuit, XRP could see significant upside.

While short-term fluctuations are expected, XRP’s fundamentals suggest that it may outperform many other altcoins over the next 5–25 years. If Ripple executes its vision effectively, XRP could certainly challenge the $5 mark in 2025—and perhaps aim much higher in the decades to follow.