Publish Date
May 6, 2025
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Some people say XRP will hit $100, others say $1000. A few even claim it’ll happen by next year. But is that even possible?
In this article, we cut through the hype, showing you what would actually need to happen for XRP to even reach $100. You’ll get a clear, honest look at where things stand today and what has to change for big gains to be realistic.
XRP hitting $100 is still a big milestone, but it’s far more achievable than it reaching $1000. To get there, XRP would need to scale from processing about $4 billion per year today to at least $500 billion to $1 trillion annually in real-world financial activity. It would also need to grab at least 1–2% of the growing $19 trillion tokenization market, which is still just getting started. On top of that, XRP has to become a go-to “bridge” token — the tool that connects different currencies and systems used by banks and governments. And it must gain clear legal approval in 50 or more countries (it’s currently approved or under review in about 30).
“At absolute best, firing on all cylinders, with mass adoption as THE Platform to bridge all currencies, banks, corporations, countries all utilizing it for international payments, an incredibly pro crypto government and SEC, and skyrocketing market cap into the high trillions, it could reach $100.” u/BenSimmonsThunder
A U.S.-approved XRP ETF would also help a lot. If it can attract $2–5 billion in assets within its first year or so, that would signal real trust from institutions. Ripple’s acquisition of the crypto prime broker Hidden Road could also drive momentum, but only if it leads to major players trading $1–2 billion in XRP each month.
Finally, the XRP Ledger would need to scale up to handle millions of transactions every day, and XRP’s total market value (market cap) would need to climb from under $50 billion today to around $5–10 trillion (i.e., roughly on par with the biggest tech companies or small global economies).
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Before XRP can ever reach $100, let alone $1000, several key forces need to align across regulation, infrastructure, and adoption.
The CME Group plans to launch cash-settled XRP futures on May 19, 2025 (pending regulatory sign-off). This places XRP in the same institutional league as Bitcoin and Ethereum in the eyes of serious investors.
1. Daily open interest
For XRP to gain significant traction, daily open interest in its futures market should exceed $1 billion within the first year. As of late April 2025, XRP's open interest stands at approximately $1.51 billion, indicating a positive trend towards this goal.
2. Trading volume and bid-ask spreads:
Maintaining tight bid-ask spreads (less than 0.5%) and achieving daily trading volumes of over $200 million are essential for liquidity and investor confidence. Currently, XRP's 24-hour trading volume is around $1.91 billion, showcasing robust market activity.
3. Institutional participation:
Attracting long-term participation from major firms like BlackRock, Fidelity, or DRW is pivotal. While there are predictions and optimism about such involvement, as of now, these institutions have not officially entered the XRP futures market.
Medium (40–60%): This milestone is possible (and potentially game-changing) but not guaranteed. On the one hand, institutional interest is growing, especially as legal clarity improves and platforms like CME provide compliant ways to trade.
“This expansion adds to CME Group’s existing crypto derivatives suite, which includes Bitcoin, Ether, and SOL futures, reflecting growing institutional and retail interest in XRP and its ledger technology.” u/coinfeeds-bot
On the other hand, it depends heavily on whether regulators approve the product without delay, and whether large funds believe there’s long-term value in XRP. If both happen, we could see a structural shift in demand. But if adoption is slow or legal challenges resurface, this door may stay only half open.
📊 With CME futures live and attracting $1B+ open interest, this could push XRP to $10–$20.
Ripple is acquiring Hidden Road, a prime brokerage firm, for $1.25 billion. This acquisition positions Ripple as the first crypto company to own and operate a global, multi-asset prime broker. Hidden Road processes $3 trillion annually across markets and serves over 300 institutional clients, including hedge funds.
Low to Medium (30–50%): While the acquisition provides significant infrastructure and client access, the success of this strategy depends on effective integration, regulatory approvals, and the actual adoption of XRP in institutional trading activities.
“I would think something like this to take 12,24, 36 months before we see a true operational change. Again, it seems like anything dealing with the highly regulated world of finance and trade it takes time. This is obviously a best guess from how other integrations have been done in the past.” u/sonofdisaster
If Ripple can successfully execute this plan, it could substantially increase XRP's utility and demand, moving it closer to the $100 target.
💼 Expect an uplift of $5–$10 after XRP is widely used as collateral or for institutional trades.
Franklin Templeton’s spot XRP ETF is pending SEC approval (decision expected June 17, 2025).
1. Achieve $2–5 billion in assets under management (AUM)
The recently launched Teucrium 2x Long Daily XRP ETF (XXRP) has accumulated over $67 million in AUM within a few weeks, indicating strong investor interest.
2. Maintain consistent $100 Million+ daily trading volume
While specific daily trading volumes for XRP ETFs are not publicly disclosed, the overall trading volume for XRP remains steady, suggesting potential for high ETF trading activity.
Standard Chartered Bank projects that a U.S.-listed XRP spot ETF could attract between $4.4 billion and $8.3 billion in inflows within its first year. This projection suggests that the ETF could achieve or surpass the target of $200 million in monthly net inflows, which is considered a significant milestone for sustained demand.
Medium to High (55–70%): There’s real momentum behind XRP's institutional appeal, especially with Franklin Templeton leading the ETF charge. The rapid growth of the leveraged XRP ETF (over $67M AUM in weeks) shows there’s demand, even before a spot ETF is approved. If the SEC gives the green light, XRP would gain exposure to retirement accounts, investment apps, and institutional platforms, driving passive inflows.
“As you probably know, XRP wasn’t built for people like us. Although I do believe us average XRP consumers … will one day be very grateful we packed our XRP bags when we could.” u/Content_Ad_5210
However, long-term success depends on consistent investor interest, not just launch-day hype. If listings happen across major brokerages and net inflows stay above $200M/month, XRP could enter a new demand cycle, making the $100 target more realistic over time.
💸 A successful ETF with $4B+ inflow can push XRP up to $25–$30 range alone.
As of March 2025, the SEC officially closed its investigation into Ripple, a major overhang now removed.
1. Formal recognition as a non-security in key markets
In the United States, a 2023 court ruling determined that XRP is not a security in secondary market transactions, providing some regulatory clarity. Japan’s Financial Services Agency has stated that XRP is not considered a security under its laws. The UK’s Financial Conduct Authority classifies XRP as an "unregulated token," indicating it is not a security. However, comprehensive formal recognition across all key markets, including Germany and Singapore, is still evolving.
2. Approval in regulatory sandboxes (e.g., MAS, MiCA)
Ripple has received in-principle approval from the Monetary Authority of Singapore (MAS) to operate in the country, signaling progress in regulatory engagement. In the European Union, the Markets in Crypto-Assets (MiCA) framework is being implemented, providing a regulatory pathway for crypto assets like XRP.
3. Integration into ISO 20022 systems and listing on regulated platforms
Ripple has aligned XRP with the ISO 20022 standard, facilitating interoperability with traditional financial systems. This compliance positions XRP for integration into global payment infrastructures. However, widespread adoption across 100+ regulated platforms is still in progress.
Medium to High (60–75%): The closure of the SEC investigation has removed a significant barrier, and regulatory clarity is improving in several jurisdictions. Ripple's proactive engagement with regulatory bodies and alignment with international standards like ISO 20022 enhance its prospects.
“If this wraps, it’ll be huge for XRP and the broader crypto market. Regulatory clarity matters, and Ripple winning could set a precedent for how tokens are treated going forward.” u/ERmiGmat
However, the pace of regulatory developments varies across regions, and full integration into global financial systems will require continued effort and time
⚖️ Regulatory clarity plus bank-friendly messaging formats could push XRP another $5+.
The U.S. included XRP in its new Crypto Strategic Reserve alongside BTC, ETH, SOL, and LINK — a sign it views XRP as nationally significant.
Low (20–35%): While XRP's inclusion in the U.S. Crypto Strategic Reserve signifies governmental recognition, the actual implementation of XRP in large-scale government programs remains limited.
“These tokens will see increase demand as they will be needed to power their respective network, hence increasing their price as there cannot be new tokens created (unlike fiat). Guess what: now you have assets that you bought for cheap, that you help roll out and which price went up. These assets on the US Govt balance sheet will offset the debt load.” u/Choubix
The development of tokenized U.S. Treasury bills on the XRP Ledger is a promising advancement, but broader adoption across federal agencies and defense systems is still in nascent stages.
🏛️Actual U.S. Treasury or Fed usage of XRP could be a $20+ booster, but the chance is low.
As of early 2025, approximately 80% of Japanese banks are expected to integrate Ripple's XRP into their systems, aiming to enhance cross-border payments and remittances.
While specific figures are not publicly disclosed, the integration of XRP by a majority of Japanese banks suggests a substantial increase in cross-border transaction volumes utilizing XRP.
Ripple’s XRP offers significant cost advantages over traditional systems like SWIFT, with reports indicating potential reductions in transaction costs.
Medium (45–55%): Japan's proactive adoption of XRP positions it as a leader in blockchain-based financial solutions. However, the realization of XRP reaching $100 hinges on the actual volume of transactions processed and the extent of cost savings achieved compared to traditional systems like SWIFT.
“This is either buy the rumor/sell the news or.. More adoption that’s been in the works for years that’s always been speculated on and finally coming to fruition.” u/Zealousideal-Cry-202
While the infrastructure is being established, the full impact on XRP's valuation will depend on the scale and efficiency of its implementation across the banking sector.
🏯 Japanese bank adoption could add $3–$7 depending on sustained flow.
Ripple has been developing a private version of the XRP Ledger tailored for central bank digital currencies (CBDCs). This private ledger is designed to provide central banks with a secure, controlled, and flexible solution for the issuance and management of digital currencies. It leverages the same blockchain technology as the public XRP Ledger, ensuring interoperability between the two systems.
i. Ripple must publicly explain the architecture of this private ledger.
Ripple has disclosed that the CBDC Private Ledger is built on the same blockchain technology as the public XRP Ledger, aiming for interoperability. However, detailed architectural documentation and public explanations are limited.
ii. Share anonymized volume and settlement data.
There is a lack of publicly available data on transaction volumes and settlement figures for the private ledger. This opacity makes it challenging to assess the actual demand and usage of XRP within these private systems.
iii. Build interoperability with the public XRPL and onboard more global financial players.
Ripple has emphasized that the private ledger is designed to be interoperable with the public XRP Ledger. This interoperability is crucial for seamless value transfer between private and public systems, potentially increasing XRP's utility and demand.
Low (20–30%): While Ripple's development of a private ledger for CBDCs indicates a strategic move to cater to institutional needs, the lack of transparency regarding its architecture and usage metrics limits the ability to gauge its impact on XRP's value.
“Is there a private version of the XRPL? Probably more than one. Probably not live transactions but for testing.” NetScr1be
The success of this initiative in driving XRP's price towards $100 depends on Ripple's willingness to provide more detailed information and the extent to which global financial institutions adopt and utilize the private ledger in conjunction with the public XRP Ledger.
🛡️ Private Ledger Demand unlikely to affect price without public volume. Possible +$2–$3 if clarified.
Ripple, in collaboration with Boston Consulting Group, projects that the global market for tokenized real-world assets (RWAs) could reach $19 trillion by 2033, encompassing sectors like real estate, equities, commodities, and carbon credits. The XRP Ledger (XRPL) is positioned as a high-speed, low-cost infrastructure ideal for settling transactions involving these tokenized assets, with XRP serving as a neutral bridge currency.
a) XRPL must capture $1–2 trillion per year in settlement volume by 2030.
While XRPL has not yet achieved this scale, initiatives like the Blocscale Launchpad aim to transform RWA tokenization on the XRP Ledger.
b) XRP should power trades in real estate, bonds, and commodities.
Projects such as Archax and OpenEden are working towards bringing tokenized real-world assets, including US Treasury Bills, onto the XRP Ledger, providing institutional investors with innovative investment products.
c) The XRPL should integrate with networks like R3 Corda, Hyperledger, Avalanche Evergreen, and Ethereum Layer 2 solutions.
Efforts are underway to enhance XRPL's interoperability. For instance, the XRPL EVM Sidechain allows developers to deploy Ethereum-compatible smart contracts using XRP as the native token. Additionally, integrations with platforms like Avalanche Evergreen are being explored to facilitate seamless value transfer across different blockchain networks.
Low to Medium (25–40%): While the tokenization of real-world assets is gaining momentum, large-scale adoption on the XRP Ledger is still in its early stages.
“I used to support XRP and made a lot of money on it last cycle but the road is coming to the end and I’m trying to help people understand that CBDC in conjunction with LINK’s CCIP render XRP’s main use case redundant. Chainlink has already built the infrastructure for RWA’s. Chainlink has 100’s of use cases. XRP has a handful…” u/StrangerMurky
The success of XRPL in capturing significant settlement volume will depend on the continued development of interoperability solutions, the onboarding of institutional participants, and the establishment of robust infrastructure to support diverse asset classes.
🏗️ RWAs could push XRP $5–$10 higher if XRPL captures significant tokenization flow.
Ripple’s RLUSD stablecoin, launched in December 2024, has achieved a market capitalization exceeding $317 million, ranking it 12th among stablecoins.
1. RLUSD must be listed on 50+ exchanges and drive $5–10B in DeFi TVL:
RLUSD is currently listed on 14 exchanges, including Uphold, MoonPay, Bitstamp, and Kraken. On the DeFi front, RLUSD has been integrated into Aave V3, with a total value locked (TVL) of $53 million in its Curve liquidity pool.
2. Achieve 100M+ wallet integrations and $100B/year in cross-border payments:
RLUSD is supported by major wallets such as MetaMask, Trust Wallet, Coinbase Wallet, and Xumm In terms of cross-border payments, RLUSD has been integrated into Ripple's cross-border payment solution, with monthly transfer volumes reaching $1.68 billion.
3. Work in tandem with XRP, with RLUSD as the entry point and XRP as the settlement layer:
RLUSD is being utilized in Ripple's payment flows with select customers to enhance cross-border treasury operations. This integration aims to leverage RLUSD for fiat on-ramps and XRP for settlement, aligning with Ripple's strategy to use RLUSD as an entry point and XRP as the settlement layer.
Low (20–35%): While RLUSD has made significant strides in market capitalization, exchange listings, and integration into Ripple's payment solutions, it still faces stiff competition in the stablecoin market dominated by USDT and USDC.
“The launch of RLUSD could indirectly strengthen the XRP market, but the magnitude of the impact will depend on how quickly RLUSD gains adoption and integrates into real-world financial systems.” u/RedditXVII
Achieving the ambitious targets of 100 million wallet integrations and $100 billion in annual cross-border payments will require substantial growth and adoption. Therefore, while RLUSD has the potential to drive XRP adoption, the probability of it propelling XRP to $100 by 2025/26 remains low.
💵 If wallet integration and DeFi usage explode, may add $1–$3 to XRP
By 2026, the realistic upper limit for XRP is around $50 to $70 — assuming a few major breakthroughs align in its favor. That price range would represent a 20x–30x jump from today’s levels, and while not guaranteed, it’s within reach if certain conditions play out.
The biggest drivers of this price potential come from three key areas. First, regulatory clarity, which has the highest likelihood (around 60%), now that the SEC has dropped its case and more countries are classifying XRP as a non-security. This opens doors for XRP to be listed on more exchanges, integrated into banking rails, and used more freely by institutions without legal fear.
Next, there's a 40% chance of an XRP spot ETF being approved. If it happens, XRP could be purchased via platforms like Schwab or Fidelity, even through retirement accounts. That kind of passive exposure can bring in billions in inflows over time, steadily increasing demand.
Finally, CME futures, with a 30% success probability, could make XRP a daily trading instrument for Wall Street. This would place XRP alongside Bitcoin and Ethereum in terms of credibility and volume. But this scenario depends heavily on both regulatory approval and the willingness of institutional giants like BlackRock or DRW to jump in.
Together, these three catalysts — if even moderately successful — form a solid foundation for XRP to climb toward the $50–$70 range.
Yes, XRP could reach $20 by 2025, with a success rate of around 40–50%, but only if a few big things go right. The biggest is the approval of the XRP spot ETF. If that happens, it allows regular people and big investors to buy XRP easily through platforms like Fidelity or Robinhood. That could bring in billions of dollars.
“I see $20 in 2025 and I can see it reaching the hundred ranges by 2026-2027. That’s just me. People can say $10 max but people also said all this about BTC, ETH & SOL.” BilboBaggins35
Next is the launch of XRP futures on the CME, which is like Wall Street officially accepting XRP for serious trading. If big firms like BlackRock start trading it, demand goes way up. Also, now that the SEC lawsuit is over, XRP has more legal clarity. That means more exchanges, banks, and apps can safely use or list it.
In the short term (2025–2026), XRP has a realistic upside of $50–$70 — if major events align: like the approval of a spot ETF, the launch of XRP futures on CME, and full regulatory clarity in the U.S. and Europe. In a super bullish scenario, where Ripple also dominates tokenized asset settlement and gets adopted in government-backed payment systems, XRP could push toward $100+.
However, that’s a long shot (less than 10% chance by 2026). For most investors, it’s smarter to treat anything above $10–$20 as ambitious, but still possible — depending on how much institutional and real-world utility builds around it.
Looking out to 2035, if Ripple captures even a fraction of the $19 trillion tokenization market, becomes standard in cross-border banking, and XRPL integrates deeply into global networks like SWIFT or ISO 20022 — it’s possible XRP trades between $100–$500.
But if adoption stalls or competitors (like stablecoins or central bank digital currencies) dominate the same space, XRP might stay under $10. In short: high ceiling, but also high uncertainty — it's a long-term bet on Ripple reshaping finance.
To turn 200 XRP into $1 million, each coin would need to be worth $5000, which is extremely unlikely. Even in the most optimistic scenarios, expert projections rarely go beyond $500–$1000 per XRP — and even those require XRP to replace large parts of the global financial plumbing. For 200 XRP to make you rich, the world would need to adopt XRP in ways that haven’t even been fully tested yet.
Realistically, 200 XRP is a speculative micro-holding, not a wealth plan. If you want to build wealth with XRP, it would require a much larger position, long-term conviction, and a lot of luck on how global finance evolves.
#DeFi #NonCustodial #Crosschain
