XRP Price Prediction 2023, 2025 and 2030. Will banks use XRP?

XRP Price Prediction 2023, 2025 and 2030. Will banks use XRP?

XRP Price Prediction $500: At $500, XRP’s market cap will be $24 Trillion which would be higher than the GDP of America today. It would be incredibly difficult for XRP to reach this level.

XRP Price Prediction $100 It is far more feasible for XRP to reach $100 in the next 20 years.

XRP Price Prediction 2023: XRP Could double in 2023 if Ripple wins its case versus SEC. However, the current aggregate XRP Price Prediction 2023 is $0.80.

XRP Price Prediction 2025: XRP Price Prediction for 2025 is below $1.5.

XRP Price Prediction 2030: XRP is predicted to reach $7.2.in 2030.

Can XRP Reach $50? XRP can reach $50 in the next 15-20 years under certain scenarios. Read on.

XRP Price Live

Latest Updates-7th December

The current market price of XRP, at the time of writing, is $0.38 and is up by nearly 0.65% in 24 hours. Its price 7 days ago was $0.40 and hence, it has decreased by 5% in a week. Its price reached the lowest value of $0.37 during this week.

Google trends data indicates that people are very actively searching for Ripple in the last 24-hours (as depicted by the image attached below). The data depicts that the search rate has increased by 33 points in a single day.

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Image: 24-hour Google Trends data

Ripple has finally filed its reply to SEC’s opposition to Ripple’s Motion for summary judgement. The reply argued that the SEC wasn’t able to prove the existence of the investment contract. Ripple wrote that SEC cannot identify and explain how XRP holders can meaningfully expect profits from Ripple’s efforts.

Therefore, it would be interesting to see XRP’s price movements in the coming weeks.

Reddit Discussions– 7th December

Stuart Alderoty recently tweeted that the SEC’s lawsuit is about to end and the credit goes to the amazing team at ripple. Soon after the tweet, people are actively discussing it on Reddit.

One user wrote, “We’ve been in limbo for so long, I can’t even picture it being over! Hopefully, this tweet is hinting that the end will be sooner rather than later”.

Another user wrote, “Yes. Just a matter of time. It could end this month, but likely in the coming months. Then it is possible to go further to Supreme Court and then we are in square 1”.

Reddit sentiments about the topic indicate that majority of the people cannot visualize the case ending soon.

Will banks use XRP?

XRP is one of the established cryptocurrencies in the market. Ripple is already driving the payment systems for many banks now, including Bank of America (BofA), PNC Bank USA and Santander Bank.

XRP holds a very strong position in the industry and has many use cases too. Ripple’s scalability, low transaction cost, high uptime, high speed and low power consumption make it an ideal cryptocurrency to use by Banks for various purposes.

XRP can be used to make cross-border payments, liquidity management etc. So, will banks use XRP? Certainly yes. Few banks already make use of XRP and keeping in mind its use cases, more banks can indeed do the same in the future.

Ripple is hiring engineers

A few hours ago, Ripple announced that its team is hiring engineers to build robust and scalable crypto solutions so as to provide the best solutions for their customers.

Currently, Ripple is looking for a Senior Director engineer and Senior staff software engineer to welcome to their team.

Interesting Reddit discussions

In one discussion on Reddit regarding the outcome of the lawsuit, one user believed that the lawsuit will not get settled but there will be a trial. Although the person wished Ripple to win the case, he asked the community to share their thoughts.

Most of the people responded that a trial is highly unlikely unless Ripple loses summary judgement.

In another recent discussion, one user asked about the possibility of moving trillions of dollars with a 40 billion USD market cap, because he is more concerned about the liquid supply of XRP.

The exact question is “how can you possibly move trillions of dollars with a 40 billion USD market cap? Elon Musk alone can potentially need to move that amount if he wants to buy the next Twitter. The big question is from where will the XRP supply been sourced. Who is willing to lend to say Elon Musk 40 billion USD worth of XRP when that represents 100 % of the supply?”

To which, one user responded that “Elon would only need the 40 billion $ worth of XRP for a few seconds or 2x 20 billion for a few seconds more”.

Another user believed that it is only possible if the XRP’s price settles above $100.

XRP Ledger AMM Network is now available for Testing

At the beginning of the year, the Ripple team proposed the XLS-30d specifications for building a native AMM. This was aimed to bring additional utility to XRPL token holders.

On November 30th, the AMM Devnet went live and is ready to use by the developers. The developers can test the AMM and build innovative applications.

Ripple latest update

In a recent tweet by Ripple, it announced its integration with new partners to issue the stablecoins.

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Image Source: Twitter

STASIS (that issues the euro-backed stablecoin- EURS) and Stably are recently integrated with the XRPL.

The reason behind this integration is probably the reliability, interoperability and security of XRP Ledger. XRPL, a public decentralized chain with high liquidity, provides easy ramps for developers, consumers and institutions to unwind the new use cases of the stablecoin. This recent integration of Ripple with Stasis and Stably will certainly help in the growth of stablecoin’s popularity.

XRP Price Performance this year

  • Last 1 Month: -17.1%
  • Last 3 Months: +21.6%
  • YTD: -54.0%

XRP Technical Analysis

XRP Technical Analysis Using the Moving Average

  • 30-day Moving Average: Green
  • 100-day Moving Average: Red
  • 200-day Moving Average: Yellow

XRP is trading below the 30-day and 100-day moving averages but below the 200-day moving average. The 30-day MA converged on the 100-day MA. The 200-day moving average is heading closer to converging with the 100-day moving average. Currently, XRP is throwing a bullish outlook.

The current support of XRP stands at $0.37013 while the resistance sits at $0.44486. XRP avoided the pivot at $0.394 and is heading towards breaking the first resistance. In case the rally gets extended, XRP will first its second support at $0.3894 and resistance at $0.4634. The third Major Resistance Level (R3) sits at $0.5085 and the support is at $0.4009.

In case of a downward trend and XRP fall through the pivot and price of XRP may reach closer to the first support level of $0.370.

image 318

XRP Analysis With RSI

The XRP RSI indicates a reversal. XRP entered the oversold territory and now it is moving upward. The current trend is bullish and the recommendation is Buy.

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image 319

Last 6 Months XRP’s Performance

  • June 2022: -23.4%
  • July 2022: +20.6%
  • August 2022: +31.5%
  • September 2022: +50.1%
  • October 2022: -2.2%
  • November 2022: -15.6%

In the last 6 months, XRP gained heavily in the month of July, August, and September but has been trading negatively in the last 2 months. XRP’s loss in October and November, that is in the 4th quarter of 2022 has been lower compared to Bitcoin while XRP has lost more than Ethereum in the last 2 months.

Q4 Performance

  • Bitcoin: -14.5%.
  • Ethereum: -9.9%
  • XRP: -17.7%

XRP Price History

All-Time High: $3.84 (January 4, 2018)

All-Time Low: $0.002802 (July 7th, 2014)

Is XRP a Good Investment?

XRP is one of the largest cryptocurrencies in the world with a market cap of $23 Billion. It is the native token of the Ripple blockchain which was launched in the year 2012. Ripple is focused on financial services and serves as a payment protocol that fuels financial transactions worldwide. Unlike Bitcoin and Ethereum, Ripple is more centralized as it is a more privately-owned network (Unique Node List), unlike Bitcoin or Ethereum which allows the validators to take control of the transactions.

After struggling in the initial few years, the year 2017-2018 turned out to be the best years for XRP and during this time frame, XRP was the second most capitalized cryptocurrency just after Bitcoin. The all-time high price of XRP was 5 years again on January 4, 2018. XRP was valued at $3.84 back. However, after the US SEC accused Ripple the developers of XRP of selling XRP in unregistered securities to investors, the price crashed and there was a mass sell-off.

XRP rose 111% in the last 5 years. Ethereum rose 335% while Bitcoin rose 341%. However, this year, XRP fell 44% while Ethereum fell 57% and Bitcoin fell 56%.

XRP has an excellent use case, is quite differentiated, and has an early mover advantage which makes it excellent crypto to invest in at any point in time. A few risks

  1. While Ripple has a fantastic use case, it is not mandatory for banks and financial institutions to use XRP to carry out transactions on the Ripple blockchain.
  2. Secondly, uncertainties around the SEC case make the token’s performance highly unpredictable. The case is likely nearing its end this year.

Here is how XRP has performed over the last few years

  • 2013:$0.028
  • 2014:$0.024
  • 2015:$0.0062
  • 2016:$0.0064
  • 2017:$2.1
  • 2018:$0.371
  • 2019:$0.19
  • 2020:$0.21
  • 2021:$0.85
  • 2022:$0.38

In 9 years since launch, 4 have been positive and 5 negative. This year, XRP is ranked 12th in performance among 49 cryptocurrencies with more than a $1B Market cap.

XRP has been struggling in the last few years and the main reason behind it is the SEC lawsuit against its parent company Ripple. However, there are chances of the lawsuit being settled between Ripple and SEC. If so happens, then the price of XRP could surge higher. XRP as crypto has multiple advantages which will help it surge. Here are a few advantages of XRP that could help it rise:

Growing Adoption of Ripple: Ripple Lab the developers of XRP have been working to be recognized as a key payment protocol that can enhance international money transfers. Many crypto experts are of the opinion that Ripple in the coming future could revolutionize the transaction process worldwide. If so happens, the price of XRP the native of Ripple could skyrocket.

Limited Supply: XRP has a limited supply, only 100 billion XRP tokens were created and no new coins can be created now. Therefore, with less supply in the future, the supply will get further reduced and thereby helping XRP to rise.

XRP Price Prediction $500: Analysis

With a market cap of over $23 B, XRP is the 6th largest cryptocurrency in terms of market cap. XRP has failed to rise higher due to the SEC case against its parent company Ripple. Many bigger exchanges have not listed it due to the ongoing SEC vs Ripple case.

At $500, XRP’s Market Cap will be worth $24 Trillion. In theory, this is feasible but any forecasts of this nature are highly speculative.

XRP Price Prediction $100: Can XRP reach 100?

The different platforms predicting the future price of XRP have predicted the maximum price of XRP to be below $10 even by the end of 2030. However, we believe that XRP has the potential to reach $100 in the future.

  • SEC Case in its Favor: 2X
  • 30% Growth for the Next 10 years (Conservative estimate benchmarking against Bitcoin and Ethereum)
  • 15% growth for the Next 10 years (Typical Growth for a high-performing cryptocurrency)
  • 10% growth for the next 10 years (as growth slows down)
  • Assuming the above conditions, it will take XRP 28 years[2050] to reach $100
  • IF XRP implements a burn or deflation program targeting 25% burn, the time frame could fall to 20-25 years.

XRP Price Prediction $50: Analysis

Ripple Lab the parent company of XRP has been tangled in the legal fight against SEC and even after a couple of years, there has been no end to the case. However, the XRP developers have been working to place them as leaders in the payment system and moving one step closer to this, Ripple will present new XRP payment solutions at Apex Dev Summit in Las Vegas. With this development Ripple will provide pay with anything to deliver what the store owner wants to receive. It will also have a refund function integrated into it.

As we mentioned earlier, XRP is quite differentiated from other cryptocurrencies and therefore is likely to perform well should the SEC case be resolved in its favor.

  • SEC Case in its Favor: 2X
  • 30% Growth for the Next 10 years (Conservative estimate benchmarking against Bitcoin and Ethereum)
  • 15% growth for the Next 10 years (Typical Growth for a high-performing cryptocurrency)
  • Assuming the above conditions, it will take XRP 20 years[2042] to reach $50
  • IF XRP implements a burn or deflation program targeting 25% burn, the time frame could fall to 15 years.

XRP Price Prediction 2023

XRP’s price is directly dependent on the ongoing lawsuit against its parent company Ripple. If the lawsuit between XRP and Ripple is not settled we may see XRP trading below $1 even in 2023.

The current aggregate XRP Price Prediction 2023 is $0.80. Additionally, if XRP gains 50% annually then we may see XRP price at around $1.5 by the end of 2023.

XRP Price Prediction 2025

If XRP gains 30% annually, then by the end of 2030 XRP price could be $1.08. Also if there is a surge of 50% annually in the price of XRP then y the end of 2025, the XRP price would be $1.54.

XRP Price Prediction: Future of Ripple (XRP) in 2030?

As per a PWC Report,

  • Global cashless payment volumes are set to increase by more than 80% from 2020 to 2025, from about 1tn transactions to almost 1.9tn, and to almost triple by 2030.
  • Asia-Pacific will grow fastest, with cashless transaction volume growing by 109% until 2025 and then by 76% percent from 2025 to 2030.
  • Africa will see a 78% rise by 2025 and thereafter an increase of 64% from 2025-2030.
  • In Europe, the payment process will rise by 64% by 2025 and 39% after that.
  • Europe and Canada will see less growth. By 2025, cashless payment in Latin America may rise by 52% and thereafter until 2030 by 48%.
  • By 2030, it is expected that payment solutions based on cryptocurrency and digital wallets will emerge. Instant low-cost payment solutions will be the first preference worldwide.
  • Ripple which is positioning itself as the global player providing a seamless payment solution may play a major role in the coming future. Ripple has been partnering with major banks around the world to provide the benefits of its payment solution.

Therefore, the future of Ripple and XRP looks highly motivating considering the way the world is moving towards adopting the faster and seamless payment solution. Investing in XRP may be a good long-term investment option.

XRP Price Prediction 2030: What Will be the Worth of 1 XRP In 2030?

Taking multiple platforms into consideration, the aggregate of XRP Price Prediction 2030 is $7.2.

Here is the XRP Price Prediction 2030 based on some calculations:

If XRP were to rise 5% a year, 2030 Prediction is then by the end of 2030 XRP price would be $0.812.

If XRP were to rise 20% a year, the 2030 Prediction for XRP is $2.36 and if XRP gains 30% annually then by the end of 2030 XRP would be $4.48.

Ripple vs SEC Case: Is SEC Looking To settle the Case To Avoid Humiliation?

Facts: If the Judge rules against Ripple, the XRP price is certainly likely to crash and perhaps never recover again. However, if the Judge rules in favor of Ripple, a massive pump is inevitable. As much as 2x in a matter of days.

So What do we know about the Ripple vs Case?

Since December 2020, that is when SEC filed a lawsuit against Ripple, SEC and Ripple have been in a legal confrontation but in the last few days, Ripple has decided to fight back and the latest rumors suggest that SEC may look to settle the case and avoid losing the case in court. The reason behind is that if SEC loses, it will limit the SEC’s authority to regulate cryptocurrencies in the U.S.

The reason behind SEC’s willingness to settle the case is the William Hinman emails which are now in the hands of Ripple and it gives Ripple an advantage over SEC.

As per the rumor, SEC will try to keep these materials under wraps, and may not go for the trial instead settle the case.

XRP Price Prediction After Lawsuit

XRP recently recorded a jump in the number of new addresses. Santiment, the platform that keeps track of addresses across cryptocurrencies reported that due to the latest spike in the price of XRP, the new addresses created on October 7th were the highest in the last 3 months. The latest surge in the price of XRP is attributed to the recent Unique Node List (UNL) upgrade of the XRP ledger.

The Ripple vs SEC case has been dragged on for a couple of years now but there are chances of the case being settled soon. The XRP investors and the ones who have been waiting to invest in XRP are eagerly waiting for the case to be settled.

XRP Price Prediction after Lawsuit cannot be determined but it is expected that the price of XRP could surge explosively considering the growth of the Ripple network. There has been a growing acceptance of the Ripple Payment Solution and once the case is resolved we may witness a sharp rise in the price of XRP.

CrowdwisdomLIVE Rating out of 10

  • Use Cases-8/10
  • Differentiation-8/10
  • Execution-8/10
  • Leadership-8/10
  • Community-3/10
  • Macroeconomics (Universal rating)-5/10
  • Others (Burn)-2/10
  • XRP Total Score – 42/70
  • Ethereum Total Score – 48/70

Therefore, Compared to others, XRP has been an above-average investment so far but not as brilliant as say BTC, ETH, or DOGE.

Factors that can Influence the Price of XRP

  • Acceptance of Ripple As a Key Mode of Payment Protocol: Ripple Lab the developers of XRP have been working to be recognized as a key payment protocol that can enhance international money transfers. Many crypto experts are of the opinion that Ripple in the coming future could revolutionize the transaction process worldwide. If so happens, the price of XRP the native of Ripple could skyrocket.
  • Limited Supply: Unlike many cryptos, the supply of XRP is limited. XRP was designed to be finite in supply. Only 100 billion XRP tokens were created and no new coins can be created now. This means that the XRP tokens will only decrease as after every transaction there is a decrease in the number of XRPs.
  • Government Regulations: Government Regulations around the world has been a key factor influencing the price of cryptos. If the regulations are tightened, the price dips and if there is some favorable decision, the price skyrockets. There Government regulations will be one factor that could influence the price of XRP.
  • Ripple vs SEC Lawsuit: The Ripple vs SEC Lawsuit is one factor that has been an obstacle to the rise of XRP. Since 2018 when the Securities and Exchange Commission accused Ripple of selling XRP in unregistered security offering to investors in the U.S. and worldwide, XRP has been crashing and there has been decreasing in investor interest in XRP. If the lawsuit ends, the XRP price may skyrocket again as it did in 2017-2018.

Can XRP reach $10?

Also Read: Bitcoin Price Prediction

XRP Price Prediction: How to Buy XRP?

Here are a few steps to buy XRP:

Choose a Crypto Exchange

Choosing an XRP exchange is quite tough as most of the exchanges have deleted XRP after the lawsuit.

Create your account with the Crypto Exchange

Once you have decided on the exchange, you will have to create an account that will require your personal details along with banking information. In most cases, you’ll deposit money from a bank account, like your personal checking or savings account. You can also generally complete wire transfers, use a debit card or deposit money from PayPal.

Fund Your Wallet

Once you have created your account, the next step will be to fund your wallet.

Buy XRP:

Once you have funded your wallet, you can now use the wallet amount to buy XRP.

Note: Crowdwisdom360 collates Predictions and data from all over the net and has no in-house view on the likely trends in the Index or Individual Stocks. Please consult a registered investment advisor to guide you on your financial decisions. 



Subhash, Founder of Crowdwisdom360 is an MBA and a Trained Financial Advisor with an extensive background in Forecasting in Financial Services and Politics. He has appeared many times on National TV and has written for a variety of magazines on Wealth Management and Election Strategy.

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