XRP Ripple Price Prediction: 2022-2030

Close-up photo of a woman buying cryptocurrency through a smart phone app that is also showing the growth graph.
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If you already invest in cryptocurrency or intend to take advantage of the low prices of this bear market to begin investing, you might be wondering about Ripple’s price predictions and how XRP coins may fare in the future.

See: 5 Things You Must Do When Your Savings Reach $50,000

What Is XRP?

XRP is a little different than most cryptocurrencies. It runs on RippleNet, a decentralized network of financial institutions that use Ripple’s blockchain and API technology to clear and settle transactions. XRP is RippleNet’s native currency, and it also facilitates payments on Ripple’s decentralized public blockchain, which is called XRP Ledger.

XRP is a centralized cryptocurrency that uses a Federated Consensus protocol to validate transactions. That makes RippleNet and XRP Ledger faster at processing transactions than proof-of-work blockchains like Bitcoin.

Ripple calls XRP “Utility for the new global economy” on its website and was designed to be fast, sustainable and, according to the site, “the most practical cryptocurrency for applications across the financial services space.”

History of Ripple XRP

The Ripple Payment Network launched in 2004, with founder Ryan Fugger at the helm. In 2012, Jed McCaleb and Chris Larsen took over and created the XRP Ledger. McCaleb served as chief technology officer until 2013.

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Today, the organization is headed by Brad Garlinghouse, CEO, David Schwartz, CTO, and Kristina Campbell, CFO.

Individuals use RippleNet as an alternative to traditional banking, making money management and the transfer of currencies more accessible, even across borders. Financial institutions can use the network to bridge currencies for faster transaction processing between countries. Meanwhile, developers are encouraged to build fast, green applications on the open source platform.

XRP can be transmitted across blockchains, making it a flexible form of currency.

Ripple Makes Waves in the News

At present time, Ripple Labs, developer of the Ripple Network, is embroiled in a lawsuit with the U.S. Securities and Exchange Commission. The SEC claims that Ripple executives used XRP tokens to raise funds in 2013, while the coin was an unregistered currency. The SEC claims these activities constituted illegal securities trades. Ripple Labs denies that claim.

Ripple cited a speech in 2018 from then-director of corporate finance for the SEC Robert Hinman, who categorized ethereum and bitcoin as non-securities. The company argues that, by association, other cryptocurrencies would not be considered securities either, due to their adequate decentralization, according to an article published in June 2022 by Cointelegraph.

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However, the length of the ongoing litigation coupled with the advances made by other cryptocurrencies has made many investors wonder whether holding XRP is worth the risk. Cryptonews has reported that investors are turning their back on XRP in favor of chronoly (CRNO), which is demonstrating real-world utility while XRP is fighting for its survival. This ongoing uncertainty has essentially kept the price of XRP in a holding pattern since early June.

Ripple XRP Price Prediction

What does the platform’s past, along with current legal proceedings, mean in terms of an XRP price prediction? How much is XRP worth in 2022? What will XRP be worth by 2025? What will XRP be worth in 2030? And can XRP reach $10? Read on to find out.

XRP Current Worth

As of Nov. 22, in the midst of an S&P 500 bear market, XRP is worth $0.3689, according to CoinMarketCap. It has followed the downward spiral of other cryptocurrencies since the beginning of the year. XRP has lost more than 55% of its value in the past year and is down 90% from its all-time high of $3.84. In fact, it’s closer to its launch price of $0.10.

XRP rallied in early 2021, hitting a price of $1.59, according to Coinbase statistics. By May 2022, it had dipped down to roughly $0.38 and continued its plummet through the spring, in line with bitcoin and ethereum during what some experts are calling a “crypto winter.”

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However, the verdict in the SEC lawsuit could turn things around for XRP and would represent a victory for all cryptocurrencies to be treated as non-securities and, therefore, not subject to tight regulation by the SEC.

Additionally, in May, Garlinghouse told CNBC that the organization will explore the possibility of an initial public offering once the lawsuit is over.

How Much Is XRP Worth in 2022?

What happens with the SEC lawsuit and whether or not Ripple does go public could affect XRP price predictions for the rest of 2022.

In a November forecast, Changelly predicted XRP could reach almost $0.43 by December, and it had an average forecast of about $0.41.

Trading Education is more optimistic about XRP’s prices by the end of the year, predicting that it could hit $0.87 in December.

A panel of experts from Finder has XRP price predictions for this year based on whether Ripple will win or lose against the SEC. Ripple could reach $0.90 by the end of December, but if it loses its suit, the panel expects the price to drop to $0.24.

Today, XRP has a market cap of $18.52 billion and is the world’s seventh-largest cryptocurrency, according to CoinMarketCap, behind these top cryptocurrencies: bitcoin, ethereum, tether, bnb and usd coin.

What Will XRP Be Worth in 2025?

It’s important to note that long-range cryptocurrency price predictions are almost entirely speculative. There’s no reliable way to determine what prices will be years from now. That said, experts see XRP continuing to gain value through the next few years. Changelly offered an XRP price prediction of $1.29 at a minimum and $1.53 at a maximum in 2025.

The panel of experts polled by Finder pegged XRP at $3.81 by the end of 2025 if Ripple wins the suit and $0.98 if it loses.

CryptoNewsZ predicts that XRP could rise to as high as $0.68 in 2025.

Trading Education is highly optimistic, with price predictions as high as $8.76 for 2025 — about a 2,275% increase over its current price.

What Will XRP Be Worth in 2030?

It’s impossible to know what XPR will be worth in 2030. The price depends on many variables, whether economic, regulatory or technological, that can’t be anticipated years in advance. But XRP has a lot working in its favor, especially if Ripple wins the SEC lawsuit and the IPO comes to fruition. Ripple already has many innovative financial services that enable cross-platform and cross-blockchain payments.

The PayID feature, for instance, allows users to send currency across platforms through an easy-to-read yet secure ID that, according to CryptoNewsZ, works with any service provider.

Similarly, One Pay FX allows instant or same-day low-cost international payments with full transparency regarding fees and arrival times of the funds.

Multiple financial institutions, including MoneyGram, have piloted XRP for transborder payments.

All of these services bode well for the future value of XRP. But what do the experts say about XRP prices as far out as 2030?

Trading Education, which is bullish on XRP’s long-term future growth, likens the platform to a Visa competitor by the end of the decade. The site predicts that XRP could reach a high of $31.81 by the end of 2030. If this turns out to be true and you can ride the waves and hold onto your cryptocurrency, a $100 investment today could yield $8,621 in less than 10 years.

Of course, cryptocurrency is extremely volatile, and you could just as easily lose your entire investment.

Changelly’s recent average prediction is $8.91 by the end of 2030.

Some experts believe that XRP will fall to zero by 2030. It’s smart to never risk more than you are willing to lose in any investment, and especially in volatile assets like cryptocurrency.

Will XRP Reach $10?

A scant handful of experts predict that XRP can reach $10 in the near future — if ever. If the bear market reverses, XRP could follow the trend of bitcoin and begin to rise again.

According to Trading Education, experts agree that $10 or even $25 is achievable for Ripple. PrimeXBT goes even further, looking for Ripple to possibly reach a high of $50 in the next few years. That would give XRP a larger market cap than Meta.

Is XRP the Next Bitcoin or Ethereum?

Some experts believe XRP’s capabilities could put it at the same level of adoption and industry respect as the gold standard of crypto, bitcoin, and the number one alt-coin, ethereum. But many other cryptocurrencies sit above it in terms of popularity and market cap right now.

The processing speed of Ripple transactions, low fees and the company’s growing list of partnerships all work in its favor to gain market share and prestige.

A Forbes headline from 2018 reads, “Ripple Could Be The Next Bitcoin.” But a lot has changed since then, including many other cryptocurrencies taking spots as viable alternatives for international transactions and peer-to-peer payments.

One thing that hasn’t changed since the article was published is an observation from Roman Guelfi-Gibbs of Pinnacle Brilliance Systems Inc., who told Forbes: “Of course, with crypto, anything can happen, so watch closely.”

Analysts are still speculating on whether or not XRP could become the next bitcoin or ethereum.

Experts at The Motley Fool Canada pointed out earlier this year that it’s highly unlikely XRP could gain enough traction to displace either of the top two cryptocurrencies. However, the analysis touted the growth potential of XRP as an investment. Plus, there is a much lower cost of entry, which could make it attractive to many investors just dipping their toes in the crypto waters.

Even if XRP never reaches bitcoin’s level of value or status, it could still be a good investment with a strong future.

Is It Worth Buying Ripple (XRP)?

In a bear stock market, investors sentiments might change, and the crypto market is no different. Investors have less to lose, and dollars can go farther in every crypto investment than they did when the market was at its peak. That makes it less risky to toss a few hundred dollars at a coin they like or a company they believe in — but there is still a risk of loss if the chosen investment doesn’t increase in value.

XRP has gained the trust of both financial institutions and investors, which could make it a more reliable, stable investment than some other alt-coins.

Additionally, XRP has a finite number of coins, unlike some other cryptocurrencies, where tokens are constantly being created and mined. Ripple distributes all the XRP tokens on a timed, pre-determined schedule. That said, the cap is a staggering 100 billion, and only half are currently in circulation.

XRP’s growth potential, capabilities as a cross-platform payment method and low entry point could make it enticing for investors looking to shop the bear market “sales,” so to speak. Comparing bitcoin to XRP, Fool.ca reported, “Ripple might be a slightly better buy [than bitcoin].”

The Finder panel is divided on whether it makes sense to buy. Twenty-seven percent recommend buying XRP, 38% recommend holding and 36% recommend selling.

Final Take

If you’re looking for a low-cost way to begin investing in cryptocurrency, XRP might be a good option due to its growth potential. Be prepared for the coin to dip or spike sharply based on the final SEC court judgement.

You can either take a chance and buy now, when RXP is near a one-year low, or hold tight and hope for an even better deal. In March, Trading Education touted XRP as a good cryptocurrency to buy now, and its price has dropped since then, which could make it more enticing — or signal a continuing downward spiral.

The market factors driving the rest of the crypto market down are likely to affect XRP for the immediate future, so you should only buy crypto right now if you’re willing to hold it through the changing tides — and can afford to lose some or all of your investment.

Ripple XRP can be traded on many of the world’s best crypto exchanges, including Coinbase, Kraken and Binance.

FAQ

Here are some of the questions people are asking about XRP:
  • What will XRP be worth in five years?
    • There's no way to know for sure, but analysts' predictions range from under $0.70 to nearly $3.
  • Will XRP reach $50?
    • Possibly, at some future time. However, most analysts expect XRP to remain under $10 at least through 2030.

Daria Uhlig and John Csiszar contributed to the reporting for this article.

Information is accurate as of Nov. 22, 2022.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

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About the Author

Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of GeekTravelGuide.net, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.
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