Ripple (XRP) Price Prediction 2025, 2026 – 2030
Of the most consistent cryptocurrency in terms of its market cap ranking, XRP +12.20%, has been all over ever since 2020, when the SEC filed a case against its parent company, Ripple Labs. Despite the negative publicity, XRP has managed to maintain its place in CoinMarketCaps top ten, a position it has held since the inception of the rankings — and not only that, but it managed to rise up from the ashes and push towards its old highs of above $3.
At the moment of this writing (February 14, 2025), Ripple’s XRP is priced at $2.76, with a 24-hour change of +12.20% which up from the previous day.
Here, we’re going to dive deep and explain the post-lawsuit state of Ripple and XRP, make an XRP price prediction for the next 10 years, look at what XRP and Ripple are (and how they differ), and discuss what affects the price of XRP and how to buy it in 5 simple steps.
ℹ️ This page contains Ripple price forecasts and key metrics that are updated daily, while the underlying analysis is reviewed monthly. Projections are based on historical data, current trends, and advanced estimation tools but may change as market conditions evolve.
XRP (Ripple) Price Prediction Overview
Is XRP a good investment, and will it manage to reach $3 by the end of 2025? This is a question that crosses the minds of many investors. Throughout this article, we’ll explore our XRP price prediction in detail, highlighting our price estimates for the coin over the coming years. Below, you will find a brief overview of these estimates:
- End of 2025: Our analysis estimates that the XRP price could hit $2.76 by the end of 2025. As institutional adoption continues to grow and the effects of the 2024 Bitcoin Halving are expected to spill onto the altcoin market this year, both of these factors could combine to push XRP towards the upside.
- End of 2026: Continuing its move, we predict XRP will climb to a high price of $5.71 by the end of 2026 unless a broad market downturn hits the sector.
- End of 2030: The uptake of cryptocurrencies continues to surge as crypto regulations around the globe give investors a framework to operate in, and merchants are accepting cryptocurrencies as payment for goods and services. In this case, XRP is most likely to attract a lot of institutions looking to settle in crypto, boosting XRP’s price to a potential $58.82 by 2030 in the process.
Year | Average Price | Potential Low | Potential High |
2025 | $2.76 | $2.76 | $2.76 |
2026 | $4.73 | $3.74 | $5.71 |
2030 | $25.71 | $9.53 | $58.82 |
XRP Latest Events
Here are some recent events that happened to Ripple and XRP:
- Jan 21, 2025: XRP’s price surged by 5% after U.S. President Donald Trump appointed Mark Uyeda as the acting Chair of the SEC.
- Jan 20, 2025: Gary Gensler’s resignation took effect.
- Dec 17, 2024: Ripple’s RLUSD stablecoin launched.
- Dec 4, 2024: RLUSD Ripple-backed stablecoin set to launch.
- Dec 2, 2024: XRP pushes past $2.5 as NYDFS-approved RLUSD is set to launch, and WisdomTreeFunds files for an XRP ETF.
- Dec 1, 2024: XRP pushes past $2 as a result of positive sentiment regarding the Ripple stablecoin RLUSD set to launch on December 4, as well as the SBI CEO’s statement.
- Nov 29, 2024: SBI CEO Yoshitaka Kitao announced that banks in Japan will begin using XRP for transactions by 2025 as a strategic move aimed at positioning Japan as a leader in blockchain technology.
- Nov 25, 2024: Archax Provides Access to abrdn Money Market Fund on the XRP Ledger in Collaboration With Ripple.
- Nov 21, 2024: SEC Chair Gary Gensler announces he would be stepping down from the position on Jan 20, 2025, as Texas federal court rejects the SEC’s recent rule expanding the definition of a securities dealer to include a wider swath of firms.
- Nov 14, 2024: XRP breaks past $1 as a result of industry rumors regarding Trump’s Bitcoin reserve asset plan, as well as no capital tax on US crypto plan (which would affect US-issued cryptos like XRP the most).
- Nov 1, 2024: 21Shares files an S-1 registration statement with the US SEC, looking to establish an XRP ETF.
- Oct 18, 2024: The US Securities and Exchange Commission officially appeals the XRP Ruling.
- Oct 8, 2024: Canary Capital files an S-1 registration statement with the US SEC, looking to establish an XRP ETF.
- Oct 1, 2024: Bitwise files an S-1 registration statement with the US SEC, looking to establish an XRP ETF.
- Aug 8, 2024: A federal judge imposed a $125 million fine on Ripple, reiterating her view that Ripple’s programmatic sales of XRP to retail clients through exchanges did not violate federal securities laws — the market sees this as hugely positive news for Ripple and XRP.
XRP Price Predictions 2025-2034
Below, we look at what the future holds for XRP, looking to answer the question “Will XRP go up?” and, as we do so, making XRP price predictions for each year between now and 2034. As you will see from the table below, we do believe that XRP has a strong future ahead.
Year | Potential Low (ROI) | Average Price (ROI) | Potential High (ROI) |
---|---|---|---|
2026 | $3.74 (35.63%) | $4.73 (71.25%) | $5.71 (106.88%) |
2027 | $4.94 (78.89%) | $7.75 (180.56%) | $11.18 (305.02%) |
2028 | $6.33 (129.34%) | $12.12 (339.08%) | $20.67 (648.64%) |
2029 | $7.88 (185.61%) | $18.09 (555.36%) | $35.98 (1,203.21%) |
2030 | $9.53 (245.28%) | $25.71 (831.32%) | $58.82 (2,030.64%) |
2031 | $11.18 (304.94%) | $34.72 (1,157.82%) | $90.05 (3,161.94%) |
2032 | $12.71 (360.40%) | $44.49 (1,511.38%) | $128.69 (4,561.42%) |
2033 | $14.00 (407.09%) | $53.95 (1,854.09%) | $171.06 (6,096.10%) |
2034 | $14.93 (440.67%) | $61.79 (2,138.19%) | $210.69 (7,531.64%) |
2035 | $15.39 (457.62%) | $66.69 (2,315.61%) | $239.45 (8,573.62%) |
XRP Price Prediction For 2025
2025 is shaping up to be a significant year for XRP, with its legal troubles officially behind it. Ripple Labs was ordered to pay a $125 million penalty, far less than the $2 billion initially sought by the SEC, and the court confirmed that XRP is not a security in retail sales. This resolution, along with the dismissal of charges against Ripple CEO Brad Garlinghouse and co-founder Chris Larsen, has improved market sentiment around XRP.
The April Bitcoin halving, approvals of BTC and ETH spot ETFs, and the potential launch of an XRP ETF are expected to draw more attention and capital to the crypto market. As a top-ranking cryptocurrency, XRP is well-positioned to benefit from this increased market activity. Additionally, announcements like SBI’s plan to integrate XRP into Japanese banking systems by 2025 have further boosted optimism.
In early 2025, XRP reached a new high of $2.70 following Ripple’s RLUSD stablecoin launch in December 2024. The stablecoin’s success enhanced XRP’s liquidity and utility, adding momentum to its rally. The pro-crypto stance of the new U.S. administration and Bitcoin’s strong post-halving performance have also positively influenced XRP’s market dynamics.
As a result of that, our price prediction for XRP in 2025 stands at a median price of $2.45, with a potential high of $4.11.
XRP Price Prediction for the Next 30 Days
XRP continues being one of the top stablecoins in crypto world. It comes as no surprise that we see XRP outlook as being positive in the next 30 days as well as in the near future.
Date | Potential Low | Average Price | Potential High |
---|---|---|---|
February 15, 2025 | $2.76 | $2.76 | $2.77 |
February 16, 2025 | $2.76 | $2.76 | $2.77 |
February 17, 2025 | $2.76 | $2.77 | $2.77 |
February 18, 2025 | $2.76 | $2.77 | $2.78 |
February 19, 2025 | $2.77 | $2.77 | $2.78 |
February 20, 2025 | $2.77 | $2.77 | $2.79 |
February 21, 2025 | $2.77 | $2.77 | $2.79 |
February 22, 2025 | $2.77 | $2.77 | $2.80 |
February 23, 2025 | $2.77 | $2.78 | $2.80 |
February 24, 2025 | $2.77 | $2.78 | $2.81 |
February 25, 2025 | $2.77 | $2.78 | $2.81 |
February 26, 2025 | $2.77 | $2.78 | $2.82 |
February 27, 2025 | $2.77 | $2.78 | $2.82 |
February 28, 2025 | $2.77 | $2.78 | $2.82 |
March 1, 2025 | $2.77 | $2.79 | $2.83 |
March 2, 2025 | $2.77 | $2.79 | $2.83 |
March 3, 2025 | $2.78 | $2.79 | $2.84 |
March 4, 2025 | $2.78 | $2.79 | $2.84 |
March 5, 2025 | $2.78 | $2.79 | $2.85 |
March 6, 2025 | $2.78 | $2.79 | $2.85 |
March 7, 2025 | $2.78 | $2.80 | $2.86 |
March 8, 2025 | $2.78 | $2.80 | $2.86 |
March 9, 2025 | $2.78 | $2.80 | $2.87 |
March 10, 2025 | $2.78 | $2.80 | $2.87 |
March 11, 2025 | $2.78 | $2.80 | $2.88 |
March 12, 2025 | $2.78 | $2.80 | $2.88 |
March 13, 2025 | $2.78 | $2.81 | $2.88 |
March 14, 2025 | $2.79 | $2.81 | $2.89 |
March 15, 2025 | $2.79 | $2.81 | $2.89 |
March 16, 2025 | $2.79 | $2.81 | $2.90 |
XRP Price Prediction For 2026
2026 is expected to be the calm after the storm of the dizzying ATHs induced in 2025, and, previously, these periods have seen significant declines in digital asset prices—with prices settling about 75% down from their highs but still up from their pre-Halving-mania valuation.
This Halving, however, may well be different and we may see higher prices sustained for longer as regulatory bodies around the globe continue to implement frameworks for cryptocurrencies to exist in, helping them to sustain higher valuations.
For XRP this improved regulation is a good sign because as more and more countries implement regulations more and more of their partner financial institutions will be open to using Ripple’s services on the XRP Ledger, a use case we should continue seeing growing in the Ripple ecosystem in 2026 as money remittance increasingly becomes the main utility of the Ripple Ledger and XRP currency.
By this period, we can also expect the development and testing of CBDCs to continue growing in some nations, and we may even see the rollout of CBDCs by some nations. Ripple already offers CBDC services and is currently in talks with over 20 countries on implementing CBDCs. With the transaction volume of CBDCs predicted, by Juniper Research, to grow from $100 million in 2023 to $213 billion by 2030, these advancements are good news for Ripple and XRP, helping to combat the downward price pressure from the fallout of the Bitcoin Halving.
These positives mean that our XRP price prediction for 2026 contains a relatively stable valuation for XRP, with a high of $5.71, a low of $3.74, and an average price of $4.73.
XRP Price Prediction For 2027
As we gaze further into the future it becomes more difficult to predict XRPs price. However, in 2027, we expect the continued uptake of digital currencies, including CBDCs, and blockchain technology.
XRP is well placed to fare well as the institutional use of cryptocurrencies grows, with Ripple at the helm steering institutional money onto the chain, creating more and more value transfer utility and, as a consequence, increasing demand for XRP.
2027 is also when it is expected that the final distribution of tokens from Ripple’s huge, 55 billion XRP escrow cache is expected to happen. This will mean that the full supply of XRP will finally be circulating in the digital economy. With this, XRP can now take on its true deflationary status, as transaction fees continue to be burned on the network. It is worth noting, however, that Ripple continue to re-lock a part of the supply in each month that it unlocks, which is likely to extending this date out later into 2027 or even into 2028.
As a result, 2027 is likely to be a year when XRP witnesses continued growth and adoption, adding overall upward pressure to the token price, not necessarily resulting in new highs for XRP, but a tighter trading range. That’s why our 2027 price prediction features a high of $11.18, a low of $4.94 and a median price of $7.75.
XRP Price Prediction For 2028
2028 is the date for the 5th Bitcoin Halving. While many would say that Bitcoin and the markets will continue to follow previous cycles, the growing adoption of cryptocurrencies, along with increased utility that we cannot predict yet, are likely to have partially broken the effectiveness of these cyclic predictions.
The now regular use of digital assets might even fuel a buying spree for Bitcoin before the Halving Event, but XRP, and other cryptocurrencies, might have decoupled from the price of Bitcoin and be on their own trajectory.
We can also look to the continued adoption of CBDCs, RippleNet, and the XRP Ledger, along with the continued deflating of the XRP token supply to put upward pressure on the price of XRP.
This leads us to predict highs of $20.67 for XRP in 2028, along with greater price stability and a median price of $12.12, and a low of $6.33.
XRP Price Prediction For 2029
If the cyclic nature of Bitcoin continues to be true, 2029 will see new ATHs for Bitcoin and digital assets—yet these are not predicted to be the same aggressively large gain as witnessed in years past.
Despite its partial decoupling from the Bitcoin price a couple of years ago, the price of XRP will still be dragged upward, reaching highs of $35.98, hitting a low of $7.88, and having a median price of $18.09.
XRP Price Prediction For 2030
While 2030 is when we will likely see the fallout of the previous year’s Bitcoin Halving this will be nowhere near as severe as before—with global regulatory frameworks for digital assets firmly in place and adoption and utility at an all-time global high.
Ripple, using the XRP Ledger, could have greatly improved global remittance, an industry that is expected to be valued at $213 billion by this year—alongside the other financial products and utilities that have been brought to the XRP Ledger between now and 2030.
While it is impossible to predict the pace at which digital currencies and their utilities will grow and evolve our XRP price prediction concludes with what would be deemed a successfully stable XRP price prediction for 2030, with a high of $58.82, a low of $9.53, and an average price of $25.71.
Historical Performance of Ripple
Coin Name | XRP |
---|---|
XRP Price | $2.76 |
XRP ATH | $3.92 (January 4, 2018) |
XRP Price Change 24h | ▲ 12.20% |
XRP Price Change 7d | ▲ 17.02% |
XRP Market Cap | $158.92B |
Circulating Supply | 57.56B |
The XRP Ledger was launched in 2012, and data for the XRP token on CoinMarketCap starts from August 4th, 2013, where XRP tokens were priced at $0.005875—less than a penny.
From there, the token almost doubled in price over 6 weeks before spiking over two weeks at the end of November, climbing 408% to a high of $0.04855.
Through the start of 2014, the value of XRP declined, falling back below the $0.01 mark at the end of March, and continuing to fall to hit its all-time low of $0.002802 in July. From here—excluding a spike above $0.02 at the end of 2014 and one above $0.01 in June of 2015—XPR continued to trade hands below the penny valuation, in a range between $0.0042 and $0.009, until the Bitcoin Halving induced and ICO boom fueled bull run kicked off in early 2017.
2017: The Year of XRP
XRP started 2017 priced at $0.006523, a little more than double its all-time low. From here XRP climbed steadily, first peaking in May, at $0.3949, and briefly flipping Ethereum to become the second largest coin by market cap for a short period.
XRP then receded and found support at $0.15 and resistance at $0.25. This resistance, however, only lasted until the beginning of December, where XRP climbed from $0.2326 on December 6th to hit its all-time high (ATH) of $3.84 on January 4th, 2018—a gain of 1,550% in under 1 month and over 58,000% since the beginning of 2017. A surge that had many raising questions about Ripple Labs and its controversial relationship with the XRP Ledger.
2018–2021: When it Gets Difficult for XRP
After the bull market highs at the end of 2018, when Bitcoin was also peaking around $20,000, the next few years proved difficult for a lot of the crypto market, XRP included—and the extra scrutiny brought on by its close relationship with the supposedly separate Ripple Labs didn’t help matters.
The Price of XRP declined steeply at the beginning of 2018, losing 78% of its value in less than a month, to dip below $1. XRP continued to steadily decline for over a year, before finding support at the $0.3 mark in late 2019.
However, this only lasted so long, and in the latter half of 2019 XRP, out of step with the majority of the crypto market, started posting lower highs and lower lows, and the longtime support of $0.3 now started acting as resistance. XRP continued trending downward into 2020 where it eventually found a local low of $0.1405 on March 12th, 2020, as the whole world struggled with the Covid-19 virus.
From here the price of XRP climbed incrementally upward. Before following a market-wide rally at the end of 2020 to peak at $0.6645 on November 30th—gains of 373% from its March low.
Then, on December 22nd, the SEC charged Ripple and two of its executives with selling unregistered securities, causing XRP to lose 50% of its value by the beginning of January 2021.
2021–September 2024: Ripple and XRP Bounce Back
Despite this awful news at the turn of 2021, XRP joined in the bull run at the start of that year, hitting highs of $1.5635 in May as Bitcoin began posting then-new ATHs above $60,000.
Ripple dropped in step with the rest of the market, and then rose again later in the year, not as high as before, as Bitcoin posted its ATH above $68,000.
The price of XRP continued to drop in lockstep with the market, finding new support at $0.60 throughout 2021 and into 2022.
In early 2022, however, XRP broke through this support and bounced off strong support of $0.30 in June. From here, it trended upward throughout 2022 and into 2023, posting higher highs and higher lows, finding resistance at $0.50.
The next big price move for XRP then came in July of 2023, as a U.S. Judge ruled that XRP was not sold as a security, resulting in a 73% spike in price to a local high of $0.8162.
The price then declined and bounced off support at $0.5. It was then announced in October that the SEC was dismissing charges against the Ripple executives, and this helped the price climb again, peaking just above $0.7.
From here, the price retracted, finding support at $0.60 throughout November and December before dipping below this level in early 2024 and declining to hit support at $0.50 in early February.
From this point, the XRP price climbed and has regained a price level above $0.60.
October 2024 – Present: XRP ETFs, US Presidential Elections, and XRP’s Push Towards Its All-Time High
Between October 2024 and now, XRP experienced a remarkable resurgence, fueled by both market and political developments.
The announcement of proposed XRP ETFs from Canary Capital, Grayscale, 21Shares, and WisdomTreeFunds created significant anticipation, signaling growing institutional interest and acceptance of the asset. However, the price didn’t surge immediately following the ETF proposals, as the SEC appealed a court ruling that had previously gone favorably for Ripple, leaving many investors cautious and weary of regulatory uncertainty.
This hesitation persisted until the U.S. presidential elections, which brought a Republican administration with a pro-crypto stance into office. This political shift boosted confidence in the market, signaling a potential path toward regulatory clarity and broader blockchain adoption. As optimism grew, XRP began to rally, eventually breaking past the crucial $1 resistance level for the first time in years. The combination of ETF proposals, favorable political sentiment, and fading regulatory fears propelled XRP into a new phase of growth, reestablishing its position as a key player in the evolving crypto market.
After a brief cooldown post-1$ push, XRP continued its upward trajectory post-Gary Gensler’s departure announcement, strong partnerships and deals (mainly with abrdn and Japanese banks).
On December 17, 2024, Ripple officially launched RLUSD. The fully collateralized USD-backed stablecoin is designed. toboost liquidity within its ecosystem. The launch sparked an 11% price jump, bringing XRP to $2.64. Combined with Bitcoin’s post-halving momentum and increased DeFi integration, XRP reached as high as $2.70, inching closer to its previous all-time high.
The Current State of Ripple
Ripple Labs is seemingly out of the woods, as the SECs case against Ripple has finally received a verdict. According to Ripple CEO Brad Garlinghouse, “This is a victory for Ripple, the industry and the rule of law.” Ripple secured a partial victory in July 2023 as the court ruled that only institutional sales of the XRP token were considered unregistered security offerings. This cleared many regulatory questions regarding token sales to retail investors.
However, not everything has cleared out yet, as the SEC appealed the case on October 18, 2024. This appeal has raised some market uncertainties. In early 2025, Gary Gensler resigned as SEC Chair, shifting XRP’s momentum even further. In January 2025, US President Donald Trump appointed Mark Uyeda as the acting Chair of the SEC.
While the pro-crypto sentiment from the new U.S. administration has positively influenced market outlook, the SEC’s ongoing appeal adds a layer of regulatory uncertainty for Ripple.
Moreover, Ripple partnered with abrdn and Japanese banks which reflects its efforts to expand institutional adoption.
Market Position and Performance
By late 2024, XRP experienced some big price movements, breaking the $2 threshold in early December as market optimism grew around Ripple’s RLUSD stablecoin launch. When the stablecoin debuted on December 17, 2024, XRP surged further, reaching $2.70 amid strong market sentiment and institutional interest.
In early 2025, Bitcoin’s post-halving momentum contributed to more market gains, indirectly boosting XRP’s performance. As Bitcoin climbed to new highs, XRP maintained its upward trajectory, buoyed by positive developments such as Gary Gensler’s resignation and increasing DeFi integration via RLUSD. XRP’s correlation with Bitcoin’s rally underscored its position as a key altcoin during periods of market expansion.
Ripple’s Lawsuit vs. The SEC
Here’s a full breakdown of SEC’s case against XRP:
- December 2020: The SEC filed a lawsuit against Ripple Labs, CEO Brad Garlinghouse, and co-founder Chris Larsen.
- March 2021: XRP holders contested the SEC’s case, claiming that XRP is not a security. As a response, the SEC requested an immediate hearing. Judge Netburn made a distinction between XRP and BTC & ETH in terms of currency value and utility.
- April 2021: SEC Commissioner Hester Peirce published the Token Safe Harbor Proposal 2.0.
- June 2021: SEC’s deadline to disclose crypto trading policies was extended. Ripple filed a motion requesting the SEC to disclose its internal crypto trading policies 2 months later.
- Jan 2022: Judge Netburn granted the SEC until Feb 17 to appeal the decision regarding sensitive government documents regarding Ripple.
- Late 2022: Both the SEC and Ripple filed motions for summary judgment, as well as final submissions to the summary judgment motions. In the meantime, Library ($LBRY) lost a similar case against the SEC, resulting in a decline in XRP’s value.
- Jan 2023: Ripple received support from numerous organizations, including Coinbase.
- Mar 2023: Ripple filed a Supreme Court letter to Judge Torres, with the Judge issuing an initial ruling towards XRP, excluding expert testimony from the summary judgment process in Ripple’s legal battle with the SEC.
- Apr 2023: John E. Deaton shared a video dating from 2018, featuring Tim Draper and Gary Gensler discussing potential lawsuits and the influence on financial regulators. SEC Chair Gary Gensler testified at a congressional hearing.
- May, Jun 2023: Judge Torres rejected the SEC’s motion to keep the Hinman speech sealed. The SEC seemingly removed Hinman’s biography from its website, and the Hinman documents were expected to be released.

- Jul 2023: Judge Torres ruled that XRP is not a security in the case of programmatic sales. He also ruled that XRP meets the definition of security for institutional investor sales. This decision prompted various crypto exchanges to relist Ripple’s token on their platforms.
- Aug, Sep 2023: Judge Torres granted the SEC’s request to file an interlocutory appeal. With the SECs appeal underway, Ripple filed its response, stating that the SEC lacked any legal grounds for the appeal.
- Oct 2023: Judge Torres dismisses the SEC’s request for an interlocutory appeal. With Ripple obtaining its license to operate in the US, the trading volume of XRP nearly doubled. Additionally, the SEC voluntarily dismissed charges against Brad Garlinghouse and Chris Larsen.
- Mar, Apr, May 2024: The SEC filed a proposal for final judgment, demanding $2 billion in penalties against Ripple. Ripple asked for $10 million in penalties as a response.
- Aug 2024: Judge Torres also directed Ripple to pay $125 million in penalties, related to the institutional sales, with 1,278 transactions found to have violated Section 5 of the Securities Act of 1933.
- Oct 2024: The SEC officially filed an appeal to the previous ruling.
- Nov 2024: SEC Chair Gary Gensler announced his resignation, effective January 20, 2025.
- Jan 15, 2025: the SEC filed an appeal challenging the July 2023 ruling by Judge Analisa Torres.
- Jan 17, 2025: Ripple filed a cross-appeal challenging the $125 million penalty imposed for institutional sales violations, seeking to reduce or overturn the ruling.
- Jan 21, 2025: Mark T. Uyeda was appointed as an acting chair of the SEC by President Donald Trump.
What Is XRP, and What is it Used For?
XRP is the native currency of the XRP Ledger, created by the founders of Ripple Labs Inc., which is designed to facilitate the fast and efficient transfer of funds between different currencies across geographical and regulatory borders.
In 2022, a total of $150 trillion was transferred in cross-border transactions, $2.2 trillion was paid in fees on these transfers, and the majority of these transactions took 2–5 days to settle in the recipient’s bank account. Quite an astoundingly set of facts considering we live in a global digital economy and value efficiency and cost effectiveness in almost everything we do.
The XRP cryptocurrency, and the ledger it was built on, are designed to change this and enable low cost ($0.000005 at the time of writing) and near-immediate settlement (3–5 seconds) for cross-border payments and transactions—specifically those between two different currencies.
The XRP Ledger facilitates such transfers by using the XRP currency as an intermediary between the two different currencies at opposite ends of the transaction, one is converted into XRP and that is then converted into the other currency on the other end—all in less than 5 seconds. XRP Ledger has also been designed to do so at the capacity required by today’s digital society, with the ability to scale to process 1,500 transactions per second.
Ripple Vs XRP: What’s the Difference?
The names Ripple and XRP are typically used interchangeably by members of the crypto space, however, they are actually entirely separate entities.
- XRP: The currency of the public, permissionless, and open sourced XRP Ledger, which was launched in 2012 by three developers. It can be built on by anyone, and the XRP ecosystem is currently home to over 1,500 apps and exchanges.
- Ripple: A.k.a. Ripple Labs Inc., a company founded later in 2012, by the same three developers and Chris Larsen, former co-founder of multiple consumer financial services websites.
What is Ripple Labs?
Ripple Labs uses the XRP Ledger to facilitate cross-border payments between financial companies and the consumers who use their services. It was originally called Opencoin, but rebranded to Ripple Labs in 2015.
Ripple Labs has partnered with over a hundred financial institutions and remittance providers around the globe, many of which you may be familiar with:
- Western Union
- Banco Santander
- Bank of England
- Bank of America Merril Lynch
- NAB National Australia Bank
- JP Morgan
- HSBC
- Singapore Exchange
So, while Ripple Labs attempts to distance itself from the XRP Ledger, there seems to be a close-knit relationship between the two since their inception. This is further visible in the tokenomics of the XRP Ledger.
XRP Tokenomics
Overall the total supply of XRP is 100 billion. This amount of tokens was pre-mined at the inception of the XRP Ledger and distributed as follows:
- 20% (20 Billion XRP Tokens) were distributed to the creators and core team.
- 80% (80 Billion XRP Tokens) were gifted to Ripple Labs.
This, understandably, has been the cause for much concern, debate, and discussion in the crypto-verse and beyond. Of their 80 Billion tokens, Ripple has locked 55 billion in escrow using smart contracts on the XRP Ledger. These are released over the course of 55 months at a rate of 1 billion per month.
The last of these token releases will, currently, happen in April 2027. However, this date is largely expected to change, as with each token release Ripple returns a large amount of the tokens to escrow to maintain control over the market supply of XRP and, possibly, to prevent a significant drop in its price.
Interestingly, Ripple’s CEO, Brad Garlinghouse, admitted in an interview with the Financial Times that Ripple would not be profitable were it not for the sale of XRP tokens.
Note that, while small, 0.00001 XRP, all transaction costs on the network are burned, resulting in a steady reduction of the supply of XRP.
XRP Ledger Consensus
Unlike the majority of blockchains, which use proof-of-work (PoW) or proof-of-stake (PoS) to achieve decentralized consensus, and utilize mining or staking to reward network validators for validating the network, the XRP Ledger uses a federated consensus mechanism.
This federated consensus mechanism utilizes trusted validators to achieve consensus on the validity of a transaction. It is this use of trusted validators—who gain their trusted status, which is measured by a variety of metrics, over time—that allows the network to settle transactions in a matter of seconds.
Each validator on the network keeps its own list of trusted Unique Node List (UNL), which it believes won’t defraud it. For new validators, Ripple offers a default UNL, dUNL, list of 35 validators to help them join the network, but validators are still free to choose their own UNL.
Currently, the XRP Ledger has over 100 validators, and 80% of these validators must agree on the validity of a transaction for it to be settled on the network. This concept of trusted lists leads XRP to be considered to be more centralized than other major blockchains, which is why many crypto maxis don’t deem XRP to be a proper cryptocurrency.
In addition to this, there are no validator rewards for securing the network. This is because you must run essentially the same server to participate in the network, i.e. send and receive transactions, and adding a validator to this is a minimal load addition. Users of the network must establish trust lines with gateways to the network to be able to offer, hold, and transact in XRP.
What Else Can Be Done on the XRP Ledger Network?
While Ripple Labs might be focusing on using the XRP Ledger for enhancing cross-border payments and, potentially, for helping banks implement CBDCs, there are others building on the XRP Ledger.
Developers can build on the XRP Ledger in Java, Python, and Javascript, three of the world’s most popular programming languages. Over 1,500 apps and exchanges have purportedly already been built on the network, in some of the most popular categories, including:
- Games
- DeFi
- NFTs
- Wallet
Users of these apps and exchanges will use XRP to pay transaction fees and have a compatible wallet. Notably, the XRP ecosystem does not compare in size to that of any of the other top blockchains, which have extensive and diverse ecosystems.
Factors Influencing Ripple’s Price
When making an XRP price prediction there are numerous factors that need to be considered, some of these can have price effects that move it both up and down, while others may not even happen but must be weighed in by price analysts.
- Ripple Lawsuit: The court ruled that XRP sales to retail investors aren’t securities, a major win for Ripple. However, the company was fined $125 million for institutional sales, which resolved much of the legal uncertainty.
- Escrow Releases: Each month 1 billion XRP is released from Ripple’s escrow and some of it hits the market—with the rest of it being returned to escrow. So far, Ripple has controlled these token releases to ensure that it doesn’t impact the price of XRP too much, but that’s not to say this will always be the case
- Adoption of RippleNET: RippleNET, built on the XRP Ledger, offers near-instant cross-border payment solutions. Increased adoption by banking partners boosts demand for XRP, enhancing its utility and value.
- Adoption of CBDCs: Ripple is actively working with 20 countries on Central Bank Digital Currencies (CBDCs). If these projects succeed, the resulting activity on the XRP Ledger would drive significant demand for XRP tokens.
- Crypto Markets and Bitcoin: All tokens track closely to the price movements of Bitcoin and XRP will continue to do so until the market has matured enough that tokens can initiate price action from their own use cases.
- Crypto Regulations: The ability of Ripple to implement its solution in countries around the world depends on their stance on cryptocurrencies and the regulations they eventually put in place. The more countries that offer favorable crypto regulation, the more of Ripple’s partners who will be happy to use RippleNET and increase the demand for XRP.
- Global Economic Climate: A global recession could reduce cross-border transactions, lowering demand for Ripple’s services and XRP. However, increased distrust in traditional banks during such times could boost cryptocurrency adoption overall, affecting XRP’s position in the market.
- Cryptocurrency Adoption: Cryptocurrencies can, and already are, performing the services that Ripple is offering—Ripple is just tying the functionality into the legacy financial system. Similar to the point made above, if crypto becomes the norm over the existing system, then XRP, with its ties to the “old system”, is likely to fall out of favor.
- Growth of XRP Ecosystem: While developers can build on top of the XRP Ledger, very few are doing so (even though it is said that 1500 apps and exchanges are built on it). Cryptocurrencies and the technology behind them are still in their infancy and this could all change and XRP could have a blossoming ecosystem. However, with the centralization concerns raised by many in the crypto ecosystem this is unlikely to happen.
Ripple Price Predictions by Other Experts and Analysts
XRP’s prolonged presence in the CoinMarketCap top 10 and Ripple’s ongoing troubles with the SEC mean that many analysts have weighed in and provided their XRP price predictions. Here we’ve summarized some of the most notable ones for you.
Shannon Thorp XRP Prediction
Shannon Thorp, a former Operational Specialist at Citi, a US banking provider, predicted last year that an XRP price rally would have the token hitting between $100 and $500—although a time frame was not mentioned this is all based around an increase in the use of XRP by banks.
Egret Crypto XRP Prediction
The popular Egret Crypto analyst on X has suggested that XRP could go as high as $220, drawing this conclusion from a technical analysis. There was no time frame given for this prediction.
Thomas Kralow XRP Prediction
Thomas Kralow, a Hedge Fund Manager and YouTuber who focuses on crypto, analyzing markets, and educating others, gives a medium to long-term price target of $8-10 for XRP.
Crypto Patel XRP Prediction
The Crypto Patel technical analyst predicted on X that XRP could hit a valuation of $10 by 2026, mirroring its 2017 pump and gaining 40,000% in the process. They cite 4 targets of $0.90, $1.95, $4, and $7 between now and then.
How to Buy Ripple?
As one of the most visible cryptocurrencies due to its market position, XRP is available on almost every exchange and market imaginable—it is also available from select stock brokers through the 21Shares Ripple XRP ETP (Exchange Traded Product).
That all said, the way we recommend purchasing XRP is through a reputable cryptocurrency exchange, and we recommend Binance. It is the world’s biggest exchange, with over $10 trillion in average daily trading volume and support for over 400 coins and tokens across 1400+ markets.
Here we’ll go through the steps of buying XRP on Binance, from setting up an account to purchasing your XRP tokens—all possible in 5 easy steps.
Step 1: Setup a Binance Account
For those who don’t have one already, follow this link to Binance, enter your email address or phone number, and accept the terms and conditions and privacy policy to begin the setup process.
Complete the setup by entering the confirmation code and creating a strong password.
Step 2: Complete KYC Process
To use Binance users must first complete the KYC process. This requires providing personal information, a government issued ID (passport or driver’s license), taking a selfie, and filling out a questionnaire. If you have everything to hand this can be done in under 7 minutes.
Note that this process requires using the Binance App on a smartphone in addition to a web browser.
Once completed, identity verification can take up to 48 hours, sometimes longer.
Step 3: Fund Your Account
Once you’ve verified your identity click the yellow “Deposit” button in the header and select how you want to fund your wallet you can fund it by depositing crypto, buying crypto through Binance, buying crypto peer-to-peer, or depositing funds in one of over 30 fiat currencies.
Whichever method you use, follow the instructions ensuring that you enter the right address or account number, and that you enter the correct transfer amount before confirming your transaction.
Step 4: Search for XRP on Binance
There are multiple ways to find XRP on the Binance exchange, however, the fastest way is to head to the magnifying glass in the header, search for XRP, and find the trading pair you will be using—XRP trades on over 10 markets on Binance, against fiat currencies and other top cryptocurrencies.
Step 5: Buy XRP
On the market page for XRP you’ll be presented with a wealth of trading tools and charts. On the bottom of this page is the purchase box.
In this box select “Market” in the top left-hand corner, this means that you’ll be paying the market price for your XRP and that your order will execute immediately. Next enter the amount you want to spend on XRP and click the “Buy XRP” button at the bottom to execute your trade. The funds will appear in your account as soon as the trade is finished—which should be almost immediately.
Ripple Price Prediction: Conclusion
XRP has been a member of CoinMarketCap’s top ten cryptocurrencies ranked by market cap since the rankings started, losing ground only to stablecoins, Binance’s token, Ethereum, and Solana—an excellent record.
While the win against the SEC has flipped its sentiment to bullish, those who dislike XRP see its close connections to Ripple and the banking industry as flouting the values of the cryptocurrencies and propagating a system that needs fixing through decentralization.
But, with its deep connections to Ripple, and the services Ripple is looking to provide to their partners in the money remittance sector and central banks—in the form of instant transfers and CBDCs—many predict XRP has a bright future ahead of it.
While both of these opinions may be right in their own way, our XRP price prediction, after analyzing the different avenues the future could take, is a largely positive one, predicting steady growth and adoption of this cryptocurrency, alongside Ripple’s services and the implementation of regulatory frameworks for cryptocurrencies.
FAQs
Is Ripple a Good Long-Term Investment?
Risks and Considerations in Ripple Investment
Will XRP be the Next Bitcoin?
References
- Ripple Briefly Overtakes Ethereum as The No. 2 Crypto (BusinessInsider.com)
- $100 Billion Controversy: XRP’s Surge Raises Hard Questions for Ripple (CoinDesk.com)
- SEC Charges Ripple and Two Executives with Conducting $1.3 Billion Unregistered Securities Offering (SEC.gov)
- Ripple Labs Notches Landmark Win in SEC Case Over XRP Cryptocurrency (Reuters.com)
- SEC Asks Judge to Dismiss Charges Against Ripple Co-Founder, CEO (Bloomberg.com)
- Ripple Must Share Financial Statements Requested by SEC, Court Rules (CoinDesk.com)
- Ethereum ETF Approval Expected in May, Standard Chartered Predicts (Bloomberg.com)
- Today’s Cryptocurrency Prices by Market Cap (CoinMarketCap.com)
- XRP Ledger Metrics (XRPScan.com)
- XRP Ledger Blog (XRPL.org)
- Treasury Secretary Janet Yellen Warns of Crypto Risks (CoinDesk.com)
- CBDCs and Stablecoins (Ripple.com)
- Ripple Enhances CBDC Platform (Ripple.com)
- CBDC Transactions to Exceed $213bn by 2030, as Pilots Accelerate Rapidly (JuniperResearch.com)
- AWS Partner Profile: Ripple (Amazon.com)
- On the Cusp of the Next Payments Era: Future Opportunities for Banks (McKinsey.com)
- The XRP Ledger (GitHub.com)
- XRPL Ecosystem (XRPL.org)
- An Explanation of Ripple’s XRP Escrow (Ripple.com)
- Network State (XRPScan.com)
- Comparing Tag Trends with Our Most Loved Programming Languages (StackOverflow.blog)
- XRP Price Could Hit $220 With Gamma-Ray Burst: Crypto Analyst (TradingView.com)
- Mark T. Uyeda Named Acting Chairman of the SEC (sec.gov)







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