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Finder's panel of fintech experts anticipates, on average, XRP will close 2024 at a price of 66 cents.
Looking further ahead, on average, our panel estimates XRP's value to hit US$1.05 by the end of 2025 and $2.49 by 2030.
Let's look closer at the reasons behind these predictions, as well as some of the opportunities and challenges ahead for XRP and Ripple.
Sathvik Vishwanath, the CEO of Unocoin Technologies, is by far the most bullish panel member, predicting XRP will be worth $1.50 by the end of the year. This estimate would be a 215% return based on the price of XRP at the time we conducted the survey.
"XRP's price predictions are influenced by its unique positioning in the financial sector, especially its focus on cross-border payments and partnerships with major financial institutions."
However, he added, "[w]hile XRP has the potential for significant growth, it also faces regulatory challenges that could impact its long-term valuation."
Mitesh Shah, the founder and CEO of Omnia Markets, is also bullish on XRP having a good 2024, expecting XRP to hit $0.75 come the end of 2024 based on three key factors:
"A period of 4 to 6 months seems most plausible to me for XRP's decoupling to continue due to a combination of factors:
Short-Term Momentum: The recent decoupling appears to be driven by positive sentiment surrounding Ripple's legal developments and stablecoin initiatives. This momentum could sustain itself for several months.
Regulatory Clarity: A potential resolution of the SEC lawsuit in the coming months could further solidify XRP's independent path and maintain the decoupling trend.
Market Cycle: The current bull market in cryptocurrencies could provide additional support for XRP's price, even if Bitcoin's price experiences fluctuations."
Dimitrios Salampasis, the FinTech capability lead and senior lecturer of emerging technologies and FinTech at Swinburne University of Technology, says that "XRP still remains a solid player with advantages in the payments sector" and should close out 2024 at roughly $0.50.
John Hawkins, senior lecturer at the University of Canberra, is the most bearish panelist, with a prediction of just $0.30.
"Legal arguments with the SEC have affected XRP's price in the short run. But in the medium term, if Bitcoin's price collapses, there will likely be a "contagion" taking down XRP and most other coins."
Looking further ahead
Shubham Munde, team lead of research at Market Research Future, is the most bullish panel member about XRP's long-term price. Munde believes XRP will be worth $6.45 by 2030 based on its low entry point compared to other cryptos.
"XRP is expected to climb faster owing to the massive adoption by the financial institutions, banks, and payment systems. Moreover, new investors will give preference to XRP because of [its] low price as compared to other competitor crypto."
Paul Levy, senior lecturer at the University of Brighton, is also bullish on XRP over the medium- to long-term, with a prediction of $6.10 by 2030.
"XRP's price will likely benefit a lot from the Bitcoin halving and potential regulatory clarity in the near and medium term. Volatility is still an issue in the short term. I notice many predictions are quite upbeat toward 2027."
XRP's price in relation to BTC
Back in June, there were reports that XRP's price decoupled from BTC. However, nearly two-fifths (39%) of the panel don't think XRP's price ever truly decoupled from BTC.
However, 6% say this trend will last for the next three months, 33% say this trend will continue for the next four to six months and 22% say this trend will continue for more than a year.
A period of 4-6 months seems most plausible to me for XRP's decoupling to continue due to a combination of factors: 1. Short-Term Momentum: The recent decoupling appears to be driven by positive sentiment surrounding Ripple's legal developments and stablecoin initiatives. This momentum could sustain itself for several months. 2. Regulatory Clarity: A potential resolution of the SEC lawsuit in the coming months could further solidify XRP's independent path and maintain the decoupling trend. 3. Market Cycle: The current bull market in cryptocurrencies could provide additional support for XRP's price, even if Bitcoin's price experiences fluctuations.
XRP's price predictions are influenced by its unique positioning in the financial sector, especially its focus on cross-border payments and partnerships with major financial institutions. The decoupling from BTC could be attributed to specific developments within the XRP ecosystem, such as legal outcomes or new technological advancements. While XRP has the potential for significant growth, it also faces regulatory challenges that could impact its long-term valuation.
XRP is expected to climb faster owing to the massive adoption by the financial institutions, banks, and payment systems. Moreover, new investors will give preference to XRP because of low price as compared to other competitor crypto.
Legal arguments with the SEC have affected XRP's price in the short run. But in the medium term, if Bitcoin's price collapses, there will likely be a 'contagion' taking down XRP and most other coins.
Ripple's XRP remains an important part of crypto history, but as time passes, competitors are likely to take over. However, due to its established history and price action, there will always be network participants who prefer using the XRP network over newer competitors.
XRP's price will likely benefit a lot from the Bitcoin halving and potential regulatory clarity in the near and medium term. Volatility is still an issue in the short term. I notice many predictions are quite upbeat towards 2027
XRP's future hinges on several key factors. The regulatory environment is crucial, especially the ongoing SEC lawsuit against Ripple, which significantly impacts XRP's price. A positive outcome could boost adoption and prices, while a negative ruling might lower its value. Technological advancements also play a vital role. Ripple's ongoing improvements to the XRP Ledger and strategic partnerships, such as those in Japan, increase its utility and adoption potential, driving long-term growth.
Been this cheap, it is fairly quick to grab momentum and volume when there are some crypto hype. Last time we ran to 0.70s+, i believe we can do that again and higher.
XRP's value may now be influenced more by its own market dynamics, news specific to XRP, or other factors like adoption and regulatory developments, not just following BTC anymore.
XRP still remains a solid player with advantages in the payments sector. Its long-term prospects depend on regulatory developments and clarity, market conditions, broader adoption and technological advancements.
XRP price has been heavily weighed down by regulatory actions for some time, so therefore could stand to gain in this period of accelerating support for Bitcoin and crypto from politician leaders.
Key question will be the SEC lawsuits and whether an XRP ETF is coming
Methodology
Finder surveyed 29 fintech specialists in July 2023. Panelists are able to answer as many or as few questions as they like, meaning the number of responses received varies by question. 14 panelists gave their price predictions for XRP by year-end 2023, and 14 panelists gave long-term predictions for 2025 and 13 for 2030. Panelists may own some cryptocurrencies, including XRP. All prices are listed in US$ per XRP.
Changes to methodology: In 2021, this research was conducted using the simple mean of all answers supplied to Finder. From 2022, we switched to using the truncated mean, with the top and bottom 10% of responses removed in order to attain a more consistent result. Any 2021 results quoted in this analysis have also been re-calculated using the truncated mean.
Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly
volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of
future performance. Consider your own circumstances, and obtain your own advice, before relying on this information.
You should also verify the nature of any product or service (including its legal status and relevant regulatory
requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may
have holdings in the cryptocurrencies discussed.
Tim Falk is a freelance writer for Finder. Over the course of his 15-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio
This guide provides step-by-step instructions on how to buy XDC Network, lists some exchanges where you can get it and provides daily price data on (XDC).
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