Where Will XRP Be in 3 Years?

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Among well-known cryptocurrencies, none has outperformed XRP (XRP) lately. At this moment (July 17), it’s trading at $3.60, and over the past three years, it’s seen a staggering increase of 899%. This makes it the top performer among the top 10 cryptocurrencies ranked by market capitalization, with Bitcoin (CRYPTO: BTC) trailing behind at 464% growth.

In a similar vein, previous successes don’t ensure future outcomes. So, let’s examine potential growth trajectories for XRP in the coming three years and consider key elements that might further escalate its value.

Growth projections for XRP and the crypto market

The total value of the cryptocurrency market stands at a staggering $4 trillion today, representing a 61% increase over the past year. Yet, it’s important to remember that this market is prone to fluctuations between periods of growth (boom) and decline (bust). After surpassing the $3 trillion milestone in November 2021, it experienced a significant drop, falling below $1 trillion. It took nearly three years for the market to regain its strength and recover from this dip.

Despite some uncertainties, the overall sentiment among analysts remains optimistic regarding the crypto market’s trajectory. For instance, IMARC Group forecasts a steady yearly increase at a compound annual growth rate (CAGR) of approximately 9.7% up until 2033. Meanwhile, Morningstar analysts anticipate roughly a 10% annual expansion through 2034, and Roots Analysis predicts an even more robust annual growth rate of 11.5% all the way up to 2035.

According to a predicted growth rate between 9.7% and 11.5% each year, XRP might be valued between $4.75 and $4.99 in three years. This isn’t a disappointing return, but it likely falls short of what many investors aim for. However, some analysts are more optimistic; Geoffrey Kendrick at Standard Chartered believes that XRP could potentially reach $12.50 by the end of 2028.

A cost of around $12.50 for XRP might seem high, but there are strong arguments suggesting it could surpass the overall cryptocurrency market in performance.

XRP’s blockchain is a more efficient way to make international payments

Ripple, a technology firm, created XRP and its blockchain, known as the XRP Ledger (XRPL), as an efficient solution for transferring money across borders. For years, SWIFT (the Society for Worldwide Interbank Financial Telecommunications) has been the dominant player in this sector, but transactions are neither swift nor affordable, with typical fees ranging between $15 and $30.

Transactions on the XRP Ledger (XRPL) are typically completed within 3 to 5 seconds and cost less than a penny, with fees being settled in XRP. XRP can function as an intermediate currency for cross-border transactions. This involves the sender changing the payment to XRP, and the receiver then converting XRP back into their local currency. Recently, Ripple introduced a stablecoin called Ripple USD, which is designed to serve as a more stable bridge currency compared to XRP, as it maintains a consistent value.

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As an ardent believer and supporter of Ripple, I can’t help but feel a surge of excitement when I think about Brad Garlinghouse’s confident prediction that Ripple could potentially handle 14% of SWIFT’s transaction volume within the next five years. This translates to approximately $21 trillion in payments, a significant figure given that SWIFT’s annual volume is estimated to be an astonishing $150 trillion. It’s an ambitious target, indeed, considering XRP just surpassed $1 trillion in total transactions at the end of last year. The road ahead may be challenging, but the potential for growth and innovation with Ripple is nothing short of inspiring!

If Ripple manages to make a significant impact on SWIFT’s market share, it could mean great things for XRP. However, whether or not Ripple and its platform (XRPL) will achieve widespread acceptance among financial institutions is yet to be determined.

Are XRP ETFs on the way?

Last year, the Securities and Exchange Commission (SEC) gave its approval for the first exchange-traded funds (ETFs) based on cryptocurrencies, specifically Bitcoin. On January 10, 2024, trading for these Bitcoin ETFs commenced. Approximately six months later, Ethereum (ETH) ETFs also became available for trading, starting on July 23.

The possibility exists that Exchange-Traded Funds (ETFs) based on Ripple (XRP) could soon be approved, given that the Securities and Exchange Commission (SEC) is currently examining multiple applications. According to Polymarket’s estimates, there’s an 86% chance of approval happening in the year 2025.

The potential approval of XRP ETFs could serve as a significant stimulus for growth, but it’s essential to note that this isn’t a certainty. Bitcoin experienced substantial gains following the approval of its ETFs; its value increased by approximately 100% in the year after approval, and there has been around $54 billion in inflows into Bitcoin ETFs over time. In contrast, Ethereum hasn’t achieved the same level of success. It’s now been a full year since Ethereum ETFs were approved, yet the price of Ethereum has only risen by 1%.

Certainly, An approval of ETFs for XRP is likely to be a good indicator, given its current upward trajectory. This move would simplify investment in XRP and potentially draw institutional investors. If the SEC grants approval for XRP-based ETFs, I anticipate a significant rise in its price.

A three-year forecast for XRP

I’m leaning towards a hopeful outlook regarding XRP. Its ability to enhance cross-border transactions is promising, and its recognition in the crypto world as one of the more popular digital currencies might keep it competitive in the market.

Over the course of the upcoming three years, I anticipate that the value of XRP may reach or even surpass the seven-dollar mark. While there will undoubtedly be periods of fluctuation, my outlook remains optimistic, suggesting a potential doubling in its current value for this digital currency.

An alternate scenario could be that XRP may not see significant growth with financial institutions, potentially leading to a drop below $1. The unpredictable nature of cryptocurrencies means they can bring substantial gains when things are favorable, but also rapid and substantial losses. Therefore, if you’re considering investing in XRP, it would be prudent to invest an amount that you’re comfortable losing.

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2025-07-21 16:33