XRP (XRP) Price Prediction 2025, 2030 & 2035: July 2025 Report

A panel of industry specialists gives us their predictions for the price of XRP (XRP) through 2035.

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Richard Laycock

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Fact checked

Finder analyzes expert predictions each quarter. We conducted our most recent survey in June 2025, in which our panel of 17 crypto industry specialists shared their thoughts on how XRP will perform through 2035.

All prices mentioned in this report are denominated in US dollars.

On average, our panellists think XRP will be worth $2.80 by the end of 2025 before rising to $5.25 by 2030 and $10.05 by 2035.

Key Insights

  • 2025 price forecast: The average year-end prediction for XRP is $2.80.
  • Long-term projections: The panel sees XRP reaching new heights and hitting $5.25 in 2030 and $10.05 by 2035.
  • Panel unsure of XRP’s value: The panel thinks that XRP is either overpriced (35%) or fairly priced (35%).
  • Time to HODL: Half the panel (53%) think you should hold onto your XRP.
  • XRP on the horizon: The majority of the panel (59%) think that we’ll see an XRP exchange-traded fund (ETF) in the next 12 months.

This is not an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade or use any services.

XRP (XRP) price predictions for 2025, 2030 and 2035

Our panellists think XRP will be worth an average of $2.80 by year-end 2025, which is about 21% higher than the asset’s value at the start of 2025 ($2.32).

Our panellists also predict that XRP will rise to $5.25 by year-end 2030 and $10.05 by year-end 2035.

Kadan Stadelmann, the CTO at Komodo Platform, is one of our most bullish panel members, predicting XRP will hit $4 in 2025, which would be roughly 18% higher than XRP’s all-time high (ATH) set back on January 7, 2018.

XRP has seen very interesting price action since Trump took office, and the SEC lawsuit that has plagued the company for years finally looks to be ending soon. XRP remained a top coin despite the lawsuit and minimal price action in the previous cycle … and I expect it to exceed [its previous ATH] this year.

Gracy Chen, the CEO of Bitget, also expects XRP to hit the $4 mark in 2025, first and foremost based on it being a leading solution for cross-border payments.

My XRP price predictions are driven by its role as a leading solution for cross-border payments, with Ripple’s On-Demand Liquidity (ODL) facilitating $2.7 trillion in annualised transaction volume in 2025, and growing adoption by financial institutions like Standard Chartered. User-driven transaction growth, fueled by Ripple’s expanding partnerships in Asia and Europe, supports a bullish outlook.

Ruadhan O, the founder of Seasonal Tokens, thinks that XRP will get to $3 in 2025, adding that it may find broader institutional adoption in the coming years if it gets through some teething issues.

XRP is currently not regarded as a security when traded on exchanges, but is considered a security when sold directly to investors. It’s likely a workaround of some kind can be found in the coming years that will allow greater institutional adoption.

Johnny Gabriele, head analyst of Blockchain Economics and AI Integration at the Lifted Initiative, provides one of our lower predictions at $2, saying that XRP’s popularity is due to great marketing.

XRP is seen as a bit of a joke by those heavily involved in the technology. Great marketers for sure, but I’m unsure what the tech is doing that is novel or good.

Nicole DeCicco, the CEO of CryptoConsultz, gives one of our lowest projections for XRP’s 2025 outlook at $1.50.

Right now, the market reflects a wait-and-see mindset. While Ripple has had some legal victories, the broader question of XRP’s status in the US is still muddy, and that hesitation is built into the price. Until the regulatory picture is settled, I see XRP trading within a more limited range than some of its peers.

Is now the time to buy, hold or sell XRP?

A little over half of the panel (53%) say you should hold your XRP in 2025, with the rest of the panel split evenly at 24% saying you should sell or that it is the time to buy XRP.

Mitesh Shah, the founder and CEO of Omnia Markets, is in the buy camp but does have concerns about some key issues facing XRP.

My analysis of XRP’s current price and future potential is heavily weighted by professional concerns regarding its market structure, specifically around liquidity and potential manipulation. While the legal case is a major factor, regulators and institutional investors are keenly focused on the risk posed by the large XRP supply — roughly 38 billion tokens — still held in escrow by Ripple. This centralised holding creates a perceived market overhang that could influence price, a unique risk among top digital assets.

Furthermore, while the recent launch of a CME futures market has improved the landscape, deep analysis of the global spot market’s liquidity and depth is critical for an ETF. These structural concerns about market integrity are central to my view, explaining the persistent risk premium applied to XRP’s price until they are fully addressed for institutional-grade products.

Ben Ritchie, the managing director of Alpha Node Global, is with the majority of the panel, saying that it’s time to hold in part due to XRP’s opaque nature.

Unlike Bitcoin and Ethereum, which have transparent, predictable supply schedules, XRP’s token emissions and supply dynamics are less clear and more centralised, with Ripple Labs controlling a significant portion of the total supply. Additionally, XRP lacks a strong store-of-value narrative or a wide developer ecosystem, which limits its role beyond its core payments use case.

John Hawkins, senior lecturer at the University of Canberra, says it’s time to sell as XRP has no fundamental value.

XRP price tends to be correlated with BTC, with which it shares the property of having no fundamental value.

Do you think XRP is currently overpriced, underpriced or priced fairly?

The panel doesn’t see much potential value in XRP, with just 29% saying the token is undervalued. The remainder of the panellists are divided evenly, with 35% saying XRP is either priced fairly or overvalued.

Ruslan Lienkha, chief of markets for YouHodler, is in the minority, seeing potential in XRP and saying it’s currently undervalued.

The token shares several characteristics with a security, given its relatively centralised nature and the fact that the blockchain is managed by Ripple, the company behind it. As a result, some investors may view the token as analogous to equity in a technology firm. Notably, Ripple appears to be an innovative and successful company, which could support the token’s potential for long-term growth.

Joseph Raczynski, a futurist for JT Consulting and Media, says XRP is priced fairly as it has the chance to succeed in the current political climate.

It is heavily influenced by lobbyists in the US, as an American company. Under the current political climate, XRP has the potential to do well.

Rouge International & Rouge Ventures’ MD, Desmond Marshall, says the token is overpriced as it faces competition and adoption issues.

XRP does not have any significant news of its adoption, and is in competition with ETH as a utility token for stablecoins development (recent hype these days). Even banks, the original supporters, are second-guessing this.

When will a spot XRP ETF be realistically approved in the US?

You might not have to wait long for an XRP ETF, with 24% saying it will happen before the year is out, with an additional 35% saying it will happen by mid-2026.

What is the biggest hurdle to gaining SEC approval for a spot XRP ETF?

Ongoing legal uncertainty around XRP’s classification as a security is the number one hurdle our panel cites (35%) for XRP being approved by the SEC for its ETF.

Meet the panel

Ruadhan O

+ Read Ruadhan O's prediction reasoning

Prediction
$3.00
Buy/sell/hold
Holdback_hand
XRP is currently not regarded as a security when traded on exchanges, but is considered a security when sold directly to investors. It's likely that a workaround of some kind can be found in the coming years that will allow greater institutional adoption.

Kadan Stadelmann

+ Read Kadan Stadelmann's prediction reasoning

Prediction
$4.00
Buy/sell/hold
Buyshopping_basket
XRP has seen very interesting price action since Trump took office, and the SEC lawsuit that has plagued the company for years finally looks to be ending soon. XRP remained a top coin despite the lawsuit and minimal price action in the previous cycle, but saw a well-deserved ATH near $3.60 back in 2017, and I expect it to exceed that this year.

Nicole DeCicco

+ Read Nicole DeCicco's prediction reasoning

Prediction
$1.50
Buy/sell/hold
Holdback_hand
XRP's long-term value still depends on regulatory clarity, and that remains one of the biggest variables in its price performance. Right now, the market reflects a wait-and-see mindset. While Ripple has had some legal victories, the broader question of XRP's status in the US is still muddy, and that hesitation is built into the price. At CryptoConsultz, we've seen an uptick in client interest around XRP, especially from newer investors. It's one of the most widely recognised tokens outside of bitcoin and ether, and it tends to come up often in peer conversations and crypto forums. That type of visibility matters, especially in retail cycles. What I find interesting is that many clients who are just getting into crypto treat XRP as a familiar entry point, even if they don't fully understand its utility. While that can be a double-edged sword, it does suggest the community is growing. That kind of grassroots interest, paired with Ripple's continued focus on enterprise-grade adoption for cross-border payments, creates long-term potential. But until the regulatory picture is settled, I see XRP trading within a more limited range than some of its peers.

Johnny Gabriele

+ Read Johnny Gabriele's prediction reasoning

Prediction
$2.00
Buy/sell/hold
Holdback_hand
XRP is seen as a bit of a joke by those heavily involved in the technology. Great marketers for sure, but I'm unsure what the tech is doing that is novel or good.

Ruslan Lienkha

+ Read Ruslan Lienkha's prediction reasoning

Prediction
$4.00
Buy/sell/hold
Buyshopping_basket
The token shares several characteristics with a security, given its relatively centralised nature and the fact that the blockchain is managed by Ripple, the company behind it. As a result, some investors may view the token as analogous to equity in a technology firm. Notably, Ripple appears to be an innovative and successful company, which could support the token's potential for long-term growth.

Gracy Chen

+ Read Gracy Chen's prediction reasoning

Prediction
$4.00
Buy/sell/hold
Holdback_hand
My XRP price predictions are driven by its role as a leading solution for cross-border payments, with Ripple's On-Demand Liquidity (ODL) facilitating $2.7 trillion in annualised transaction volume in 2025, and growing adoption by financial institutions like Standard Chartered. User-driven transaction growth, fueled by Ripple's expanding partnerships in Asia and Europe, supports a bullish outlook.

Karlo Bujas

+ Read Karlo Bujas's prediction reasoning

Prediction
$2.30
Buy/sell/hold
Holdback_hand
Did not provide comment.

Dimitrios Salampasis

+ Read Dimitrios Salampasis's prediction reasoning

Prediction
$2.10
Buy/sell/hold
Buyshopping_basket
Did not provide comment.

Daniel Keller

+ Read Daniel Keller's prediction reasoning

Prediction
N/A
Buy/sell/hold
Sellsell
Did not provide comment.

Martin Froehler

+ Read Martin Froehler's prediction reasoning

Prediction
$3.00
Buy/sell/hold
Holdback_hand
Did not provide comment.

Lee Smales

+ Read Lee Smales's prediction reasoning

Prediction
N/A
Buy/sell/hold
Sellsell
Did not provide comment.

John Hawkins

+ Read John Hawkins's prediction reasoning

Prediction
$1.50
Buy/sell/hold
Sellsell
XRP price tends to be correlated with BTC, with which it shares the property of having no fundamental value.

Mitesh Shah

+ Read Mitesh Shah's prediction reasoning

Prediction
$3.50
Buy/sell/hold
Buyshopping_basket
My analysis of XRP's current price and future potential is heavily weighted by professional concerns regarding its market structure, specifically around liquidity and potential manipulation. While the legal case is a major factor, regulators and institutional investors are keenly focused on the risk posed by the large XRP supply — roughly 38 billion tokens — still held in escrow by Ripple. This centralised holding creates a perceived market overhang that could influence price, a unique risk among top digital assets. Furthermore, while the recent launch of a CME futures market has improved the landscape, deep analysis of the global spot market's liquidity and depth is critical for an ETF. These structural concerns about market integrity are central to my view, explaining the persistent risk premium applied to XRP's price until they are fully addressed for institutional-grade products.

Joseph Raczynski

+ Read Joseph Raczynski's prediction reasoning

Prediction
$2.75
Buy/sell/hold
Holdback_hand
It is heavily influenced by lobbyists in the US, as an American company. Under the current political climate, XPR has the potential to do well.

Desmond Marshall

+ Read Desmond Marshall's prediction reasoning

Prediction
$2.50
Buy/sell/hold
Sellsell
The FED is politically against Trump. So it will sabotage a lot of his work, including manipulating the SEC, including the move toward more digital assets-friendly. XRP does not have any significant news of its adoption, and is in competition with ETH as a utility token for stablecoins development (recent hype these days). Even banks, the original supporters, are second thinking this.

Ben Ritchie

+ Read Ben Ritchie's prediction reasoning

Prediction
$3.00
Buy/sell/hold
Holdback_hand
Our outlook on XRP is conservative. While we acknowledge its intended role in cross-border payments, we remain cautious due to several structural concerns. Unlike Bitcoin and Ethereum, which have transparent, predictable supply schedules, XRP's token emissions and supply dynamics are less clear and more centralised, with Ripple Labs controlling a significant portion of the total supply. Additionally, XRP lacks a strong store-of-value narrative or a wide developer ecosystem, which limits its role beyond its core payments use case.

Simon Peters

+ Read Simon Peters's prediction reasoning

Prediction
N/A
Buy/sell/hold
Holdback_hand
Did not provide comment.
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Editorial & PR Lead

Richard Laycock is Finder’s NYC-based lead editor & insights editor, spending the last decade data diving, writing and editing articles about all things personal finance. His musings can be found across the web including on NASDAQ, MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University, including a semester abroad at The Missouri School of Journalism (MIZZOU). See full bio

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