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 panelists think XRP will be worth $2.80 by the end of 2025 before rising to $5.25 by 2030 and $10.05 by 2035.
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Our panelists 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 panelists 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 annualized 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.
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 centralized 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 centralized, 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.
The panel doesn’t see much potential value in XRP, with just 29% saying the token is undervalued. The remainder of the panelists 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 centralized 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.
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.
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.
Ruadhan O
Ruadhan O
Kadan Stadelmann
Kadan Stadelmann
Nicole DeCicco
Nicole DeCicco
Johnny Gabriele
Johnny Gabriele
Ruslan Lienkha
Ruslan Lienkha
Gracy Chen
Gracy Chen
Karlo Bujas
Karlo Bujas
Dimitrios Salampasis
Dimitrios Salampasis
Daniel Keller
Daniel Keller
Martin Froehler
Martin Froehler
Lee Smales
Lee Smales
John Hawkins
John Hawkins
Mitesh Shah
Mitesh Shah
Joseph Raczynski
Joseph Raczynski
Desmond Marshall
Desmond Marshall
Ben Ritchie
Ben Ritchie
Simon Peters
Simon Peters
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