From $0.7 to $28... XRP 2030 price, whose prediction will be correct?

▲ XRP/AI-generated image

Institutions and analysis platforms have widely divergent predictions regarding XRP's long-term price outlook. Some forecasts, citing ETF capital inflows and expanding institutional demand, projected up to $28 by 2030, while others mentioned a bearish trend around $1 due to supply pressure and market volatility.

TheCryptoBasic reported on May 6, summarizing XRP's long-term price predictions from 2026 to 2030, stating that no single forecast has been formed within the market. XRP is the native digital asset of the XRP Ledger, designed for fast and cheap cross-border payments. Ripple is a fintech company closely linked to the XRP Ledger, operating an enterprise payment platform that utilizes XRP as a bridge currency.

According to the original text, XRP surged from $0.5 in November 2024 to $3.4 in January 2025. It then fell to $1.6 in April 2025 and recovered to an all-time high of $3.6 in July of the same year. The XRP spot ETF, launched in November 2025, recorded net inflows of over $1 billion since its debut, but XRP came under pressure again in 2026. TheCryptoBasic stated that XRP fell by approximately 23% in 2026, reaching a level 61% lower than its all-time high of $3.6.

The 2026 forecasts showed the largest discrepancies. Standard Chartered lowered its 2026 XRP forecast by 65% from the previous $8 to $2.80. CoinCodex presented an XRP price range of $1.36 to $2.00 for 2026, while Changelly predicted $1.36 to $2.18, with an average of $1.66. Conversely, DigitalCoinPrice suggested that XRP could reach approximately $1.41 in May 2026 before falling to $0.57 in September 2026.

Optimistic views were also raised. PricePrediction.net forecasted XRP's price in 2026 to be between $5.51 and $7.11. Chris Macdonald, writing for Motley Fool and Yahoo Finance, suggested a possibility of $10 in 2026, based on increased institutional demand and improved regulatory conditions. In contrast, TheCryptoBasic analysts believed that XRP could continue its downward trend for a significant part of the year, and even with a moderate rebound towards $2, it might close below $1.5 by year-end after repeated corrections.

The 2027 forecasts were also mixed. Standard Chartered lowered its XRP forecast from approximately $10.40 to $7.00. Changelly predicted XRP to move between $1.47 and $2.26 in 2027, and CoinCodex also presented a range of $1.47 to $2.27. DigitalCoinPrice released a bearish forecast of $0.23 to $1.64. PricePrediction.net anticipated a drop from $6.21 in January 2027 to $2.61 in December, while Telegaon expected $5.23 to $8.71, averaging $7.16. TheCryptoBasic analysts predicted that XRP could rise to $3.15 in 2027 but then fall to $2.2, averaging approximately $2.6 for the year.

In 2028, more bullish forecasts emerged. Standard Chartered set a target price of $12.60 for 2028. DigitalCoinPrice, however, maintained a bearish outlook, predicting a range of $0.44 to $1.89. Changelly forecasted $1.97 to $3.30, and CoinCodex saw XRP rising to $3.31 in Q1 2028 before falling to approximately $2.11 in December. PricePrediction.net presented $3.03 to $7.43, and Telegaon projected a minimum of $8.78, an average of $10.29, and a maximum of $12.84. TheCryptoBasic analysts viewed 2028 as the start of a full-fledged bull market, expecting XRP to surpass its previous all-time high of $3.66 to reach $6.45, then settle between $3 and $5.

For 2029, both optimistic and cautious forecasts were presented. Standard Chartered raised its 2029 target price from the previous $12.25 to $19.60. CoinCodex anticipated a range of $1.78 to $2.86, suggesting it could rise to $2.86 in February 2029 before falling to $1.78 in August. PricePrediction.net presented $8.75 to $20.92, and Telegaon forecasted $13.06 to $16.79, averaging $15.35. Changelly proposed $1.78 to $2.85, with an average of approximately $2.30. DigitalCoinPrice maintained a bearish outlook of $0.57 to $1.59. TheCryptoBasic analysts expected the overall market rally to slow down in 2029, with XRP finding support around $3.12 but remaining below $6 throughout the year.

The 2030 forecasts sharply divided between long-term optimism and structural burden concerns. Standard Chartered maintained its long-term target price of $28.00 for 2030. The Finder panel presented an XRP forecast of $2.49 for 2030, citing doubts about circulating supply, escrow release, and adoption expansion. Telegaon expected $16.86 to $20.03, and DigitalCoinPrice predicted a range of $0.70 to $1.13. PricePrediction.net suggested a drop from $19.42 in January 2030 to $9.21 in December, while Changelly proposed $2.11 to $5.69, averaging $5.00. TheCryptoBasic analysts projected that another bear market could emerge in 2030, with XRP falling below $3 to $2.2 but finding support above $1.5.

TheCryptoBasic identified key variables influencing XRP's long-term price: ETF capital inflows, cross-border payment adoption, Ripple's banking-related licenses in the US, US cryptocurrency market structure legislation, RLUSD growth, competition from stablecoins and central bank digital currencies, and macroeconomic conditions. The XRP spot ETF has attracted over $1.3 billion to date, and further inflows were presented as a key indicator that could lead to token buying pressure. Simultaneously, stablecoins like USDC and USDT, and the expansion of SWIFT's blockchain-based payment systems were mentioned as competitive factors that could narrow XRP's scope of use.

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