Investing / Crypto
- About Ripple
- Ripple Makes Waves
- Price Prediction
- Future Potential
- Should You Buy
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If you already invest in cryptocurrency or intend to take advantage of the low prices of this bear market to begin investing, you might be wondering about Ripple (XRP) price predictions and how XRP coins may fare in the future.
What Is Ripple (XRP)?
Ripple is a little different than most cryptocurrencies. It runs on RippleNet, a digital payment network that is part of the Ledger distributed database, an open source platform. It is not based on a blockchain, but rather a distributed database, which means coins do not have to be mined. XRP is the native coin of the Ripple Network.
XRP is a centralized cryptocurrency and does not require “proof of work” to process transactions. The consensus and verification process does not need multiple confirmations. That makes Ripple faster at processing transactions than most other forms of cryptocurrency, including solana, which some experts believe could be the next bitcoin.
Ripple calls itself “Utility for the new global economy” on its website and was designed to be fast, sustainable and, according to the site, “the most practical cryptocurrency for applications across the financial services space.”
History of Ripple XRP
The Ripple Payment Network launched in 2004, with founder Ryan Fugger at the helm. In 2012, Jed McCaleb and Chris Larsen took over and created the XRP Ledger. McCaleb served as chief technology officer until 2013.
Today, the organization is headed by Brad Garlinghouse, CEO, David Schwartz, CTO, and Eric Van Miltenburg, chief business officer.
Individuals use XRP as an alternative to traditional banking, making money management and the transfer of currencies more accessible, even across borders. Financial institutions can use the network to bridge currencies for faster transaction processing between countries. Meanwhile, developers are encouraged to build fast, green applications on the open source platform.
XRP can be transmitted across blockchains, making it a flexible form of currency.
Ripple Makes Waves in the News
At press time, Ripple Labs, developer of the Ripple Network, is embroiled in a lawsuit with the U.S. Securities and Exchange Commission. The SEC claims that Ripple executives used XRP tokens to raise funds in 2013, while the coin was an unregistered currency. The SEC claims these activities constituted illegal securities trades. Ripple Labs denies that claim.
Ripple cited a speech in 2018 from then-director of corporation finance for the SEC Robert Hinman, who categorized ethereum and bitcoin as non-securities. It stands to reason that, by association, other cryptocurrencies would not be considered securities either, due to their adequate decentralization, according to an article published in June 2022 by Cointelegraph.
Although the trial is ongoing as of July 20, Magistrate Sarah Netburn delivered Ripple Labs a small victory last week when she denied the SEC’s motion to withhold documents related to Hinman’s speech, Forbes reported.
The outcome of this lawsuit is likely to have a significant impact on Ripple’s worth and future. News of the magistrate’s ruling, coupled with Ripple Labs’ announcement that it would establish an engineering hub in Toronto, may have spurred a rally that saw XRP rise more than 10%, to $0.365, in 24 hours, according to AMB Crypto. Three weeks later, it’s selling for $0.3763.
Ripple Price Prediction
What does the platform’s past, along with current legal proceedings, mean in terms of a Ripple price prediction? How much is XRP worth in 2022? What will XRP be worth by 2025? What will XRP be worth in 2030? And can XRP reach $10? Read on to find out.
How Much Is XRP Worth in 2022?
As of July 20, about a month into the S&P 500 bear market, XRP is worth just over $0.37, according to CoinMarketCap. It has followed the downward spiral of other cryptocurrencies since the beginning of the year. XRP has lost more than 33% of its value in the past year and is down 71% from its one-year high of $1.39.
At $0.37, the current XRP price is closer to its launch price of $0.10 than its all-time high of $3.84 in January 2018.
XRP rallied in early 2021, hitting a price of over $1, according to Coinbase statistics. By April 2022 it had dipped down to roughly $0.70 and continued its plummet through the spring, in line with bitcoin and ethereum during what some experts are calling a “crypto winter.”
However, the verdict in the SEC lawsuit could turn things around for XRP and would represent a victory for all cryptocurrencies to be treated as non-securities and, therefore, not subject to tight regulation by the SEC.
Additionally, in May, Garlinghouse told CNBC that the organization will explore the possibility of an initial public offering once the lawsuit is over. At the time, XRP had lost 42% of its value in just 30 days.
What happens with the SEC lawsuit and whether or not Ripple does go public could affect XRP price predictions for the rest of 2022.
Changelly predicts XRP could reach $0.54 by December, and it has an average forecast of $0.47.
Trading Education is more optimistic about XRP’s prices by the end of the year, predicting that it could hit $0.89 by December.
CryptoNewsZ believes that XRP could reach $0.60 by the end of the year.
Beincrypto has XRP price predictions for this year based on a Ripple win or loss against the SEC. If Ripple wins, the coin could go as high as $2.55, according to the Beingcrypto website. If Ripple loses, it could gain a bit, but only to $0.68 per coin.
Today, XRP has a market cap of $18.1 billion and is the world’s sixth-largest cryptocurrency, according CoinMarketCap, behind these top cryptocurrencies: bitcoin, ethereum, tether, USD coin and BNB.
What Will XRP Be Worth by 2025?
Experts see XRP continuing to gain value through the next few years. Changelly offers an XRP price prediction of $1.47 at a minimum and $1.76 at a maximum in 2025.
A panel of experts polled for Finder pegged XRP at $3.61 by the end of 2025. It’s worth noting, though, that some of the experts think the coin will remain under $1 in 2025.
If the Ripple platform enjoys mass adoption within the next few years, CryptoNewsZ predicts, XRP could rise to as high as $1.50 in 2025.
Trading Education is even more optimistic, with price predictions as high as $8.07 for 2025 — about a 2,023% increase over its current price.
What Will XRP Be Worth in 2030?
XRP has a lot working in its favor, especially if Ripple wins the SEC lawsuit and the IPO comes to fruition. Ripple already has many innovative financial services that enable cross-platform and cross-blockchain payments.
The PayID feature, for instance, allows users to send currency across platforms through an easy-to-read yet secure ID that, according to CryptoNewsZ, works with any service provider.
Similarly, One Pay FX allows instant or same-day low-cost international payments with full transparency regarding fees and arrival times of the funds.
Multiple financial institutions, including MoneyGram, have piloted XRP for transborder payments.
All of these services bode well for the future value of XRP. But what do the experts say about XRP prices as far out as 2030?
Trading Education, which is bullish on XRP’s long-term future growth, likens the platform to a Visa competitor by the end of the decade. The site predicts that XRP could reach a high of $31.81 by the end of 2030. If this turns out to be true and you can ride the waves and hold onto your cryptocurrency, a $100 investment today could yield $8,366.03 in a little less than 10 years.
Of course, cryptocurrency is extremely volatile, and you could just as easily lose your entire investment.
Finder panelists think Ripple could hit $4.98 by the end of 2030. But Matthew Harry, head of funds at DigitalX Asset Management, told Finder he doesn’t expect to see XRP having value outside of speculation.
Some experts believe that XRP will fall to zero by 2030. It’s smart to never risk more than you are willing to lose in any investment, and especially in volatile assets like cryptocurrency.
Can XRP Reach $10?
A scant handful of experts predict that XRP can reach $10 in the near future — if ever. If the bear market reverses, XRP is likely to follow the trend of bitcoin and begin to rise again.
CoinQuora sees the currency breaking $10 in 2022 if crypto reverses course to become a bull market again. That would give XRP a larger market cap than Meta (Facebook).
Is XRP the Next Bitcoin or Ethereum?
Some experts believe XRP’s capabilities could put it at the same level of adoption and industry respect as the gold standard of crypto, bitcoin, and the number one alt-coin, ethereum. But many other cryptocurrencies sit above it in terms of popularity and market cap right now.
The processing speed of Ripple transactions, low fees and the company’s growing list of partnerships all work in its favor to gain market share and prestige.
A Forbes headline from 2018 reads, “Ripple Could Be The Next Bitcoin.” But a lot has changed since then, including many other cryptocurrencies taking spots as viable alternatives for international transactions and peer-to-peer payments.
One thing that hasn’t changed since the article was published, however, is an observation from Roman Guelfi-Gibbs of Pinnacle Brilliance Systems Inc., who told Forbes: “Of course, with crypto, anything can happen, so watch closely.”
As recently as April 2022, experts were still speculating on whether or not XRP could become the next bitcoin or ethereum. Experts at The Motley Fool Canada pointed out that it’s highly unlikely XRP could gain enough traction to displace either of the top two cryptocurrencies.
However, the writer touted the growth potential of Ripple as an investment. Plus, there is a much lower cost of entry, which could make it attractive to many investors just dipping their proverbial toes in the crypto waters.
Even if XRP never reaches bitcoin’s level of value or status, it could still be a good investment with a strong future.
Is It Worth Buying Ripple (XRP)?
In a bear stock market, investors sentiments might change, and the crypto market is no different. Investors have less to lose, and dollars can go farther in every crypto investment than they did when the market was at its peak. That makes it less risky to toss a few hundred dollars at a coin they like or a company they believe in — but there is still a risk of loss if the chosen investment doesn’t increase in value.
XRP has gained the trust of both financial institutions and investors, which could make it a more reliable, stable investment than some other alt-coins.
Additionally, Ripple has a finite number of coins, unlike some other cryptocurrencies, where tokens are constantly being created and mined. Ripple distributes all the XRP tokens on a timed, pre-determined schedule. That said, the cap is staggering 100 billion, and not even half are currently in circulation.
Ripple’s growth potential, capabilities as a cross-platform payment method and low entry point could make it enticing for investors looking to shop the bear market “sales,” so to speak. Comparing bitcoin to ripple, Fool.ca wrote, “Ripple might be a slightly better buy [than Bitcoin].”
If you’re looking for a low-cost way to begin investing in cryptocurrency, XRP might be a good option due to its growth potential. Be prepared for the coin to dip or spike sharply based on the final SEC court judgement.
You can either take a chance and buy now, when RXP is near a one-year low, or hold tight and hope for an even better deal. In March, Trading Education touted XRP as a good cryptocurrency to buy now, and its price has dropped since then, which could make it more enticing.
The market factors driving the rest of the crypto market down are likely to affect XRP for the immediate future, so you should only buy crypto right now if you’re willing to hold it through the changing tides — and can afford to lose some or all of your investment.
Ripple can be traded on many of the world’s best crypto exchanges, including Coinbase, Kraken and Binance.
Daria Uhlig contributed to the reporting for this article.
Information is accurate as of July 20, 2022.
Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.
- Trading Education. "Trading Education."
- CoinQuora. 2022. "XRP Price Prediction – Will Ripple Price Hit $10 in 2022?"
- CryptoNewsZ. 2022. "XRP Price Prediction."
- Cointelegraph. 2022. "Ripple counsel slams SEC for trying to bulldoze and bankrupt crypto."
- Coinhouse. 2022. "Follow Ripple price in real time."
- Forbes. 2022. "SEC Slapdown Is A Wake-Up Call To Congress."
- CoinMarketCap. "XRP."
- Changelly. 2022. "XRP Price Prediction 2022 – 2030."
About the Author
Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of GeekTravelGuide.net, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.
XRP Ripple Price Prediction: 2022-2030? ›
Trading Education, which is bullish on XRP's long-term future growth, likens the platform to a Visa competitor by the end of the decade. The site predicts that XRP could reach a high of $31.81 by the end of 2030.What will XRP be worth in 5 years? ›
With a 5-year investment, the revenue is expected to be around +260.62%. Your current $100 investment may be up to $360.62 in 2027. According to our technical analysis on historical price data of XRP, In 2027 the price of XRP is forecasted to be at around a minimum value of $5.10.What will XRP be worth by 2025? ›
XRP Price Prediction 2025
The experts in the field of cryptocurrency have analyzed the prices of XRP and their fluctuations during the previous years. It is assumed that in 2025, the minimum XRP price might drop to $1.31, while its maximum can reach $1.53. On average, the trading cost will be around $1.36.
According to them, the average value of XRP in 2022 will reach 1.22 USD in 2022 and reach 3.63 USD in 2025. Meanwhile, the prediction made by Gov Capital estimates that XRP will reach a new high of 1.37 USD in February 2023 and 4.84 USD by the end of 2026.Can XRP reach 500 dollars? ›
'Many experts have been reluctant to make a Ripple price prediction higher than $500 a coin. However, this seems to have changed with usually-conservative experts now suggesting that XRP could reach up to $1,000 a coin in a few years”, Kaplan said in his article.What is the highest XRP can go? ›
The digital asset is capped at 100,000,000,000 XRP.Can XRP reach 100$? ›
Can Ripple (XRP) Hit $100 or $1000? Yes, it is possible for Ripple to hit $100, but it is unlikely. And it's even more unlikely for the token to reach $1,000. This is because for XRP to reach $1,000 per coin, its market cap would have to reach at least $100 trillion, which we're very unlikely to see any time soon.What will XRP be in 2050? ›
XRP Price Prediction 2050
The year 2050 can end with an average price of $235.13 while the minimum price value of XRP can be around $218.45. Along with XRP, many cryptos can hit their new all-time high this year.
The site says Ripple's average price will be $0.49 in 2022, $0.73 in 2023, $1.05 in 2024 and $1.53 in 2025. The rise will continue in 2026, when XRP should be hitting a new all-time high of around $2.28, and 2027, when it should be worth $3.35.How high can XRP cost? ›
They predict that Ripple may have inconsistent pricing from now till 2025, with the highest predicted price being $0.82 in 2024. Things look much better from then on, they predict a steady year-on-year price increase, and by 2031, XRP may set a new all-time high at $2.10.
Is investing in XRP a good idea? ›
XRP suits a number of different style traders and investors. It is a good coin for general cryptocurrency enthusiasts as it is an altcoin — that is to say separate from Bitcoin — but it is still respected and grounded enough as a top five coin with an established market.Should I invest in XRP now? ›
Cryptocurrencies in general are volatile, and XRP is in an even more complicated position. If you think Ripple could continue to grow, then a small investment in XRP may be worth considering. It's not nearly as safe as investing in stocks, but if Ripple succeeds, you could make a sizable return.Will XRP be the next bitcoin? ›
A scant handful of experts predict that XRP can reach $10 in the near future — if ever. If the bear market reverses, XRP is likely to follow the trend of bitcoin and begin to rise again. CoinQuora sees the currency breaking $10 in 2022 if crypto reverses course to become a bull market again.Is XRP a good long term investment? ›
Few cryptocurrencies can boast a lifespan of ten years or more, which makes XRP an intriguing long-term investment. The main use case for XRP is what gives it its value. It is possible to conduct cross-border transactions at a reduced cost and in a more streamlined manner thanks to the XRP ledger.Will Ripple be as big as bitcoin? ›
“Ripple just might be the catalyst in making cryptocurrency more mainstream. The virtual currency is certainly on the rise and has the potential to be the first token to truly disrupt an industry, and if it does, expect XRP to reach Bitcoin-like levels of ubiquity in the near future.”Is XRP designed to be 10000? ›
Speaking on XRP, Steve said the market's fourth-largest asset is “designed to have a value of 10,000 per coin.” According to him, XRP can meet the $10,000 target if it is used for every retail transaction, as well as international transfers.Will banks use XRP? ›
XRP is a technology that is mainly known for its digital payment network and protocol. Many major banks use the XRP payment system.What is a realistic target for XRP? ›
Our XRP coin forecast suggests the average price may trade above $0.35 until August and can reach $0.41 by the end of the year. According to expert price predictions, the average coin price will stay above $0.6 in 2025, and the XRP price may rise to a maximum of $0.68, projecting growth in the future.Can Shiba Inu reach 1 cent? ›
No, Shiba Inu Coin (SHIB) cannot reach $1.Will Shiba Inu coin reach $1? ›
Shiba Inu became a popular meme coin partly because of Elon Musk's public mention of the project on Twitter, but its lack of use cases prevents it from growing in the new environment. That said, Shiba Inu won't be able to reach the $1 mark in the foreseeable future.
How much XRP does the average person own? ›
Most participants that own XRP exclusively, own less than 100,000 XRP while 11.5% own more. The vast majority of participants (78.7%) bought XRP at an average price between $0.10 and $0.50. Only 2.7% of participants bought XRP at an average price above $1.Will XRP make you rich? ›
Ripple could make investors super rich. Even when the asset has suffered a substantial decline in recent months, some reasons indicate that it is a strong investment and XRP's price could experience a huge growth in the near future.What will Solana be worth in 2030? ›
In 2020, the global cryptocurrency market amounted to $1.49bn. According to Allied Market Research, its value could grow to $4.94bn by 2030, representing a 12.8% surge.Will XRP survive? ›
However, should XRP lose its case with the SEC the panel expects its value to drop to $0.68. Unfortunately for investors, we won't know the outcome of the case until 2023. Looking further down the road, the panel estimates XRP's value to hit $3.61 by the end of 2025 and $4.98 to close out 2030.Why is XRP so low? ›
XRP is a cryptocurrency that runs on the Ripple network. The main reason behind its low price is that the US security and Exchange Commission (SEC) is suing Ripple for $1.3 billion. This may last for a short time, at least until the end of this year.Will XRP win court case? ›
Ripple, the developer of the XRP blockchain of which XRP is the native token, secured a big win this week in its ongoing lawsuit with the US Securities and Exchange Commission (SEC).Is Ripple XRP the next big thing? ›
According to reports, a number of industry experts predict that Ripple's XRP could be the next big thing as large gains from a sub-dollar asset would be far more likely than one that is already trading at $10K per coin.Did XRP Win lawsuit? ›
Ripple Labs Inc. won access to Securities and Exchange Commission documents to defend against the agency's suit accusing it of misleading investors about its XRP cryptocurrency.Why is XRP the best crypto? ›
Low Fees. Unlike other cryptocurrencies like Bitcoin, Litecoin, etc., Ripple has a speedy transaction time. In addition to this advantage, Ripple has a comparably low transaction fee which makes it a very useful cryptocurrency for trading purposes.
Will XRP ever reach $100? ›
Yes, it is possible for Ripple to hit $100, but it is unlikely. And it's even more unlikely for the token to reach $1,000. This is because for XRP to reach $1,000 per coin, its market cap would have to reach at least $100 trillion, which we're very unlikely to see any time soon.What will XRP be in 2050? ›
XRP Price Prediction 2050
The year 2050 can end with an average price of $235.13 while the minimum price value of XRP can be around $218.45. Along with XRP, many cryptos can hit their new all-time high this year.
Ripple, the developer of the XRP blockchain of which XRP is the native token, secured a big win this week in its ongoing lawsuit with the US Securities and Exchange Commission (SEC).Will XRP be the next Bitcoin? ›
A scant handful of experts predict that XRP can reach $10 in the near future — if ever. If the bear market reverses, XRP is likely to follow the trend of bitcoin and begin to rise again. CoinQuora sees the currency breaking $10 in 2022 if crypto reverses course to become a bull market again.Can XRP reach 10 dollars? ›
Can XRP Reach $10? A scant handful of experts predict that XRP can reach $10 in the near future — if ever. If the bear market reverses, XRP is likely to follow the trend of bitcoin and begin to rise again. CoinQuora sees the currency breaking $10 in 2022 if crypto reverses course to become a bull market again.How big can XRP get? ›
The site says Ripple's average price will be $0.49 in 2022, $0.73 in 2023, $1.05 in 2024 and $1.53 in 2025. The rise will continue in 2026, when XRP should be hitting a new all-time high of around $2.28, and 2027, when it should be worth $3.35.Will banks use XRP? ›
XRP is a technology that is mainly known for its digital payment network and protocol. Many major banks use the XRP payment system.Will XRP make you rich? ›
Ripple could make investors super rich. Even when the asset has suffered a substantial decline in recent months, some reasons indicate that it is a strong investment and XRP's price could experience a huge growth in the near future.How high can XRP cost? ›
They predict that Ripple may have inconsistent pricing from now till 2025, with the highest predicted price being $0.82 in 2024. Things look much better from then on, they predict a steady year-on-year price increase, and by 2031, XRP may set a new all-time high at $2.10.What will Solana be worth in 2030? ›
Will XRP survive? ›
However, should XRP lose its case with the SEC the panel expects its value to drop to $0.68. Unfortunately for investors, we won't know the outcome of the case until 2023. Looking further down the road, the panel estimates XRP's value to hit $3.61 by the end of 2025 and $4.98 to close out 2030.What happens when XRP wins? ›
If the SEC wins the case, XRP (the native cryptocurrency of the Ripple Blockchain) will be considered a security rather than a currency in the US. This could, in turn, set a legal precedent that results in similar cryptos being classified as securities as well.What happens to XRP If Ripple loses lawsuit? ›
Major crypto exchanges in the U.S., like Coinbase for example, suspended the listing of Ripple's XRP token due to the ongoing legal case. If it loses its lawsuit, Ripple will focus outside the country — effectively how it's been operating since the SEC sued the company in 2020.