A panel of industry specialists gives us their predictions for the price of XRP (XRP) through 2035.
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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 panellists think XRP will be worth $3.06 by the end of 2025 before rising to $6.45 by 2030 and $13.05 by 2035.
Key Insights
2025 price forecast: The average year-end prediction for XRP is $3.06.
Long-term projections: The panel sees XRP reaching new heights and hitting $6.45 in 2030 and $13.05 by 2035.
XRP may be overvalued: Close to half of the panel (40%) say XRP is overvalued.
Time to hodl: Half the panel (50%) think you should hold onto your XRP.
XRP (XRP) price predictions for 2025, 2030 and 2035
Our panellists 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 panellists 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.
Is now the time to buy, hold or sell XRP?
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, recognises 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 recognises 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.
Do you think XRP is currently overpriced, underpriced or priced fairly?
The panel doesn’t see much potential value in XRP, with just 20% saying the token is undervalued. The remainder of the panellists 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.
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.
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.
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.
Trump's victory, growing influence of Musk and talk of a bitcoin reserve should make bitcoin and doge more attractive than other crypto and so drive down their price. In the past, there has been a strong correlation between the price of bitcoin and that of other coins, but this may not hold.
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.
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.
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.
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. At CryptoConsultz, we've seen a growing number of clients asking about and investing in XRP, particularly newer investors who are excited by what they're hearing in their networks. This reflects how visible and engaging the XRP community has become, but it's important to consider how much of this excitement translates into long-term adoption rather than short-term speculation. I've been following XRP's journey for a long time — I even invested in Ripple back in 2015. Watching how far it's come since then has been fascinating, especially as it has navigated major challenges, including regulatory hurdles. With the legal uncertainties largely behind it, XRP is better positioned to attract broader institutional and retail interest. The future will depend on whether it can continue building on this momentum.
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.
*Cryptocurrencies aren't regulated in the UK and there's no protection from the Financial Ombudsman or the Financial Services Compensation Scheme. Your capital is at risk. Capital gains tax on profits may apply.
Cryptocurrencies are speculative and investing in them involves significant risks - they're highly volatile, vulnerable to hacking and sensitive to secondary activity. The value of investments can fall as well as rise and you may get back less than you invested. Past performance is no guarantee of future results. This content shouldn't be interpreted as a recommendation to invest. Before you invest, you should get advice and decide whether the potential return outweighs the risks. Finder, or the author, may have holdings in the cryptocurrencies discussed.
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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