Launched in 2012, XRP is one of the most well-established cryptocurrency projects in the market. In its more than a decade-long history, XRP’s price increased by over +9,015%, elevating the popular remittance payments solution among the biggest crypto projects by market capitalization.
The robust price growth begs the question of how much higher XRP could go in the future. To answer this question, we’ve outlined several different growth scenarios to construct XRP price predictions for 2040 and 2050.
Long-term XRP price prediction key takeaways:
- The price of XRP increased massively since it first started trading and went from ~$0.005 to over ~$0.520 in the process.
- XRP could reach $10.4 by 2040 and $59.3 by 2050 if it follows Bitcoin’s growth trajectory over the past 3 years.
- The accuracy of long-term XRP price predictions hinges on the future growth of Ripple protocol users, the resolution of the SEC lawsuit, and Ripple’s partnerships in the payments space.
Before we dive further into price prediction scenarios and potential catalysts for XRP growth, let’s take a look at how a $1,000 investment in XRP could fare in the future:
| 2025 | 2030 | 2040 | 2050 | |
|---|---|---|---|---|
| XRP price prediction (5% yearly growth) | $1,050 | $1,407 | $2,292 | $3,733 |
| XRP price prediction (10% yearly growth) | $1,100 | $1,949 | $5,054 | $13,110 |
| XRP price prediction (S&P 500 historical 11.13% CAGR)* | $1,111 | $2,093 | $6,014 | $17,276 |
| XRP price prediction (BTC 3-year CAGR of 19.05%) | $1,191 | $3,389 | $19,382 | $110,839 |
Based on the price of XRP of $0.535 collected on February 14, 2024.
*Price data was derived from the S&P 500’s average rate of return over the past 50 years.
XRP price history
XRP is the native asset of Ripple, a payment protocol focused on real-time gross settlements and remittances. XRP enables near instantaneous cross-border transactions with near-zero fees.
Since its inception in 2012, XRP has been at the forefront of blockchain technology innovation and a popular investment among the crypto crowd. The XRP crypto reached an all-time high peak of $3.92 in January 2018 but has since struggled to reach its previous highs.
The major reason why XRP has been struggling to reach its previous highs is the fact that Ripple (the company behind XRP) has been embroiled in a high-profile court case with the U.S. Securities and Exchange Commission (SEC) since 2020 over the alleged sale of unregistered securities. Among other things, the lawsuit led to XRP delistings among several crypto exchanges, including Coinbase.
Historically, XRP had its strongest year in 2017, when the cryptocurrency went from being worth just ~$0.006 at the start of the year to $2.80 at the year’s end – an increase of over 35,100%.
XRP had its strongest year on record in 2017, when it gainedover +35,100%.
Throughout the years, XRP has clearly demonstrated its resiliency in the crypto market. Meanwhile, Ripple Labs’ XRP Ledger has for years been one of the leading payment system solutions in the blockchain and fintech space.
With that in mind, let's examine XRP price forecasts and check whether XRP could be a good long-term investment.
XRP price prediction for 2040
We’ll be using the S&P 500 index’s average yearly growth rate to make forecasts for XRP’s price movements. The S&P 500 index, which is one of the leading benchmarks for measuring the growth of U.S. equities, has grown by an average of 11.1% between 1973and 2023.
Let’s begin by examining what would happen to the price of XRP if it followed the historical growth of the S&P 500 index. We’ll be using our XRP profit calculator to make the following calculations.
XRP’s price prediction for 2040 based on the S&P 500 index’s historical ROI.
Based on the historical growth of the S&P 500, the price of XRP would increase by 501% from $0.535to $3.22.
Since we are making assumptions about a digital asset, it would probably be more appropriate to use an example from the cryptocurrency markets to make Ripple price predictions. That’s why we decided to project XRP’s future price activity using Bitcoin’s compounded average growth rate over the past 3 years (which is 19.05%).
XRP’s price prediction for 2040 based on Bitcoin’s CAGR over the past 3 years.
Under this assumption, theXRPprice would increase by 1,838% to $10.37 by 2040.
XRP price prediction for 2050
Now that we’ve established how XRP could perform by 2040 let’s shift our focus to an even longer time scale and check at what price XRP could be trading in 2050.
XRP’s price prediction for 2050 based on the S&P 500 index’s historical ROI.
If we again base our assumptions on the S&P 500’s historical ROI, XRP’s current price of $0.535 would increase by 1,628% to $9.24 in 2050.
XRP’s price prediction for 2050 based on Bitcoin’s CAGR in the past 3 years.
If we take Bitcoin’s historical ROI as a basis instead, we see that XRP would increase by 10,984% to roughly $59.23 by 2050.
It is worth noting that such price growth seems highly unrealistic, as an XRP price of $59.23would mean that the market cap of XRP would stand at over $3trillion, more than the entire combined value of all digital assets at the moment. For context, when Bitcoin reached its all-time high of $68,700, its market cap was around $1.2 trillion.
Examining the main catalysts for XRP’s long-term price growth
Arguably the most important factor that will determine how XRP performs in the future is the outcome of the SEC lawsuit. If the court finds Ripple and its founders innocent, XRP could very likely experience a substantial rally.
Not only that, a favorable resolution to the XRP case could help the broader market, especially cryptocurrencies that were sold to investors via the initial coin offering (ICO) model, which includes the likes of BNB and numerous others.
Beyond the lawsuit, additional high-profile partnerships could provide a massive boon for XRP as broader adoption would likely mean more investment interest and an increase in XRP’s price through simple supply and demand mechanics.
Ripple has already established partnerships with several blue chip companies, including Santander, Bank of America, Instarem, and many others, which makes it all the more likely that the company will continue to pursue more such collaborations in the future.
Another market catalyst that could elevate the price of XRP to new levels is the possibility of Ripple, the company behind the XRP token, going public. While there's no timeline for Ripple's IPO plans, the company and its CEO have stated in the past that going public is in the cards if the case against the SEC is resolved in a favorable manner for the fintech.
Since Ripple is a privately held company, it’s way more challenging to determine its market cap than if it was publicly traded. According to reports from early 2022, Ripple had purchased back shares from its Series C investors in a deal that valued the company at $15 billion.
XRP price prediction for 2024-2025: Sideways movement incoming?
According to our algorithmically generated XRP price prediction, the digital currency is expected to drop over the coming months. However, the prediction is currently forecasting a substantial rally for XRP in Q3 of 2024, which could propel the price of this popular digital asset all the way to $1.67.
At the moment, 5 technical analysis indicators tracked by CoinCodex are signaling bullish activity, and 24 are signaling bearish activity. This results in an overall bearish market sentiment.It is worth noting that the XRP price prediction for 2024and 2025 is based on the state of technical indicators as of February 14th and could substantially change in the future.
The bottom line: XRP’s long-term growth hinges on a favorable resolution of the SEC case and additional partnerships
XRP holds significant long-term potential – however, its future performance is largely dependent on the resolution of the SEC lawsuit and on additional banks and financial institutions starting to use Ripple’s solution in the future. It is worth noting that with the implementation of the ISO 20022 standard, we could see Ripple cement its place as the leading bridge between traditional and digital currencies.
If you want to learn more about long-term price predictions for prominent crypto assets, check our forecasts for Bitcoin, Ethereum, Cardano, Cronos, Solana, and Shiba Inu. If you are interested in traditional assets, check out ourTesla price predictions for 2040 and 2050.
