XRP price prediction: growth drivers and potential risks
For the first time in seven years, XRP has risen and is holding above $2 as of July 2025. With a market capitalization exceeding $128.5 billion, the coin ranks among the top four cryptocurrencies. Thus, XRP has become the second-largest altcoin by market cap, after Ethereum.
Will XRP price rise? Expert forecasts
Most analysts have a positive outlook on XRP, considering the general upward trend of the crypto market and expecting its price to remain above $2.
In addition to Bitcoin's growth, analysts highlight XRP's growing role in global payments and increasing interest from institutional investors. For instance, in late 2024, the International Monetary Fund (IMF) recognized XRP as the most suitable payment system for cross-border transactions.
In 2025, Ripple made significant progress in its ongoing legal battle with the U.S. Securities and Exchange Commission (SEC), which began in 2020. In May 2025, the SEC reduced Ripple's fine from $125 million to $50 million, which boosted investor optimism. The news triggered a short-term surge in the XRP price of 5%, reaching $2.20.
Thanks to regulatory improvements, experts are optimistic about the SEC's potential approval of spot XRP ETFs, which could happen as early as July 2025. Major investment firms, such as BlackRock and Franklin Templeton, have already filed applications for XRP ETFs.
All these factors contribute to the optimistic XRP price forecasts from many market analysts.
What's next for XRP price: 2025 outlook
Well-known analyst Michaël van de Poppe predicts that XRP could soon reach $3.40.
Experts at Standard Chartered are similarly optimistic, projecting that XRP could rise to $5.50 by December 2025, driven by ETF approvals and increased investor interest. A similar forecast comes from the popular YouTube analyst NCshOfficial, who estimates XRP may reach $5–$7 in 2025.
Analyst Egrag Crypto provided a more bullish forecast, suggesting XRP could range from $9.50 to $37.50 this year.
AI models have also made predictions: according to CoinDesk's AI model, XRP could reach $2.85 as early as July.
Long-term XRP forecast: through 2040
Standard Chartered also presented a long-term forecast for XRP. They believe XRP could reach $8 by 2026 and $12.50 by 2028, considering its growing role in global payments. This scenario assumes XRP captures a significant share of the digital remittance market, projected to reach $7.5 trillion.
Some analysts forecast XRP could reach $20 by 2030 if the altcoin continues to strengthen its market position, ETF approvals proceed, and institutional investment grows. Wallets holding 10–100 million XRP reportedly added another 900 million tokens, worth $1.9 billion.
Bitget analysts provided the most conservative forecast, predicting that XRP might reach $6–$7 by 2040. CoinPedia experts are more optimistic, predicting that XRP could hit triple digits, ranging from $97 to $179. Ripple's lead analyst, Bret Hill, predicted in 2024 that XRP could spike to $100 in 2025.
However, most analysts consider such scenarios unlikely, since XRP's market cap would need to exceed $10 trillion — something only gold currently achieves.
Will XRP price fall?
Although most analysts lean toward a bullish XRP outlook due to positive market signals, some warn of potential declines. Technical analysis by professional traders suggests XRP could dip to as low as $1.85 in 2025.
Analysts also note that increased activity on the XRP Ledger (XRPL) may lead to heightened volatility, which could negatively impact the price of XRP.
Experts warn that if XRP fails to hold the critical $2 support level, it could trigger a bearish trend. Nevertheless, even with a possible decline, analysts expect the XRP price to remain near $2 throughout 2025.