Kraken Cryptocurrency Exchange
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Finder analyzes expert predictions each quarter. We conducted our most recent survey in January 2025, in which our panel of 26 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 panelists think XRP will be worth $3.06 by the end of 2025 before rising to $6.45 by 2030 and $13.05 by 2035.
Our panelists think XRP will be worth an average of $3.06 by year-end 2025, which is 32% higher than the asset’s price of $2.32 at the start of 2025.
Our panelists also predict that XRP will rise to $6.45 by year-end 2030 and $13.05 by year-end 2035.
Ronen Cojocaru, CEO of 8081 Inc., is one of our more bullish panel members, predicting XRP to hit $6.00 in 2025 because of XRP’s utility.
My XRP price prediction is based on its utility in cross-border payments, partnerships with major financial institutions and the potential for regulatory clarity following the SEC case. Its current price reflects both market speculation and its growing use in real-world applications.
Ruadhan O, the founder of Seasonal Tokens, is also bullish on XRP’s future, in part because of changes at the US Securities and Exchange Commission (SEC).
The incoming administration and the change of leadership at the SEC is likely to result in a more regulatory environment for XRP. The price jumped drastically after the election as investors priced this in. If the SEC does back off, then further price appreciation can be expected throughout the year.
Nicole DeCicco, the CEO of CryptoConsultz, provides a prediction a little above the average ($3.50) but says that XRP has a lot of potential due to its role in cross-border payments.
XRP’s price potential is closely tied to its role in cross-border payments and Ripple’s strong partnerships with financial institutions. These use cases continue to set XRP apart, offering real-world utility that few other cryptocurrencies can match. As blockchain adoption grows, this foundation is likely to drive sustained interest in XRP.
While Gracy Chen, the CEO of Bitget, says there is growth in the future for XRP, Chen provides a prediction well below the panel average at $1.00 for the end of 2025.
XRP price predictions are influenced by legal developments with the SEC, technical analysis showing bullish trends, and XRP’s growing utility in cross-border payments. Recent court decisions and the potential for Ripple’s stablecoin and broader adoption contribute to optimism about XRP’s price. Currently trading around $2.03, the market sentiment, coupled with technical indicators, suggests potential for significant growth, though the market’s volatility requires caution.
Exactly half (50%) of the panel say you should hold your XRP in 2025, with close to a third (29%) saying you should sell and just 21% saying now is the time to buy XRP.
In the buy camp is Jeremy Britton, the CFO of BostonTrading.co, based on its institutional adoption.
XRP seems to be the choice for many institutions. It is arguably no longer a cryptocurrency, and its ethos is almost gone, but its value is in the eye of the banker.
Sathvik Vishwanath, the CEO of Unocoin, recognizes that XRP has found favor within institutions but says XRP could face competition from other assets in the future.
XRP’s price depends heavily on regulatory clarity and adoption for cross-border payments. The favorable resolution of its legal battles (e.g., with the SEC) has improved sentiment. Ripple’s partnerships with financial institutions worldwide, and its utility in reducing transaction costs enhance its long-term potential. However, competition from other digital assets in the payments space could temper price growth.
Joseph Raczynski, a futurist for JT Consulting and Media, is also in the hold camp as he waits to see whether “the US institutes a no tax on local (US based) cryptocurrencies” because, if that happens, “XRP will be the winner.”
Josh Fraser, the co-founder of Origin Protocol, says that while he recognizes the public image of XRP as having utility within institutions, it’s time to sell as competing stablecoins serve the same purpose.
XRP is often seen as the cryptocurrency used by banks and institutions. However, stablecoins are much more practical for this use case, and I do not see long-term value in holding XRP.
The panel doesn’t see much potential value in XRP, with just 20% saying the token is undervalued. The remainder of the panelists are divided evenly, with 40% saying XRP is either priced fairly or overvalued.
Arthur Azizov, the CEO of B2BINPAY, is one of the few who said XRP is undervalued based on its partnerships with banks.
The partnership of Ripple with banks globally, the best system of cross-border payments, a very long accumulation phase.
Ben Ritchie, MD at Alpha Node Global, sees XRP’s appeal but says it’s overvalued, since it has competitors that offer similar services with additional wrinkles.
XRP can be valuable if it continues to create traditional finance partners that increase its network effect and allow it to reach mass adoption of money transfer. Competitors still offer unique and extra use cases — aside from medium of exchange — and tokenomics remain confusing on how value is captured by the token, so we are hesitant to estimate higher valuation.
Johnny Gabriele, the head analyst of blockchain economics and AI integration at the Lifted Initiative, also says XRP is overvalued and sums up its recent success as such:
XRP is a bit of a joke in the broader crypto community. Its recent price action has been baffling to most.
Gracy Chen
Gracy Chen
Joseph Raczynski
Joseph Raczynski
Damian Chmiel
Damian Chmiel
Ben Ritchie
Ben Ritchie
Jeremy Britton
Jeremy Britton
Jeremy Eng-Tuck Cheah
Jeremy Eng-Tuck Cheah
John Hawkins
John Hawkins
Johnny Gabriele
Johnny Gabriele
Desmond Marshall
Desmond Marshall
Josh Fraser
Josh Fraser
Lee Smales
Lee Smales
Pedro Febrero
Pedro Febrero
Ronen Cojocaru
Ronen Cojocaru
Simon Peters
Simon Peters
Mitesh Shah
Mitesh Shah
Sathvik Vishwanath
Sathvik Vishwanath
Nicole DeCicco
Nicole DeCicco
Jason Lau
Jason Lau
Morty Tollo
Morty Tollo
Ruadhan O
Ruadhan O
Tony Guoga
Tony Guoga
Arthur Azizov
Arthur Azizov
Yves Renno
Yves Renno
Miles Paschini
Miles Paschini
regardless of all these predictions about ripple is it safe to say its on an upward trend by how much is determined by the perfomance of other currencies?????
Hi Elias,
Thanks for getting in touch with finder. I hope all is well with you. :)
Cryptocurrencies are also subject to the law of supply and demand. For this reason, the demand for other cryptocurrencies may either negatively and positively affect the demand for XRP. Generally, if there’s a higher demand for other cryptocurrencies, then it follows that the demand for XRP may also lower. However, please note that past performance may not be a 100% accurate indication of future performance. Not only that, but cryptocurrencies are highly speculative and volatile. For this reason, it is up to you to do your research to decrease the risk of doing your investment.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua