Where Will XRP Be in 3 Years?
Key Takeaways
What the data shows is It's worth noting that No big-name cryptocurrency has done as well as XRP (XRP 2. Conversely, 60%) recently. It currently trades at $3. 60 at...
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5 min read
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cryptocurrency
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July 21, 2025
08:05 AM
The Motley Fool
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What the data shows is It's worth noting that No big-name cryptocurrency has done as well as XRP (XRP 2
Conversely, 60%) recently
It currently trades at $3. 60 at the time of this writing (July 17), and over the last three years, it's up 899%
That's a better return than any other coin in the top 10 by market cap, given the current landscape
Bitcoin (CRYPTO: BTC) is second at 464%
Furthermore, As the saying goes, past performance is no guarantee of future results
What's XRP going to do over the next three years, in light of current trends
Let's look at growth jections and the factors that could push XRP's price even higher
Image source: Getty Images
Growth jections for XRP and the crypto market The entire crypto market is currently worth $4 trillion, up 61% over the last year
However, the market also goes through boom and bust cycles
Furthermore, After the $3 trillion mark in November 2021, it plummeted to below $1 trillion and took almost three years to recover
Moreover, Still, analysts are generally positive the direction of the crypto market (which is quite significant)
Moreover, Market re company IMARC Group is jecting a compound annual growth rate (CAGR) of 9, in this volatile climate
On the other hand, 7% until 2033
Morningstar analysts have similar expectations of 10% annual growth through 2034
Finally, Roots Analysis jects annual growth of 11. 5% until 2035, given the current landscape
Moreover, Based on a range of 9. 5% annual growth, XRP would be worth $4 (which is quite significant). 99 in three years
Not a bad return, but it's bably less than what most investors want
Some analysts are more bullish, though
On the other hand, Geoffrey Kendrick at Standard Chartered jects that XRP could reach $12. 50 by the end of 2028
Conversely, A price of $12. 50 would be quite the run for XRP, but there are compelling reasons why it could continue to outperform the crypto market as a whole
XRP's blockchain is a more efficient way to make international payments company Ripple designed XRP and its blockchain, the XRP Ledger (XRPL), as a better method of sending money internationally
SWIFT (Society for Worldwide Interbank Financial Telecommunications) has long dominated this market, but transactions aren't fast or cheap, with fees often ranging from $15 to $30 (which is quite significant)
On the XRPL, transactions cess in three to five seconds and cost well under $0. 01, with fees being paid in XRP (something worth watching), in today's financial world
XRP can also serve as a bridge currency for cross-border payments (an important development)
Market analysis shows sender converts the payment to XRP, and the receiver converts XRP to their currency
However, Ripple launched a stablecoin last year, Ripple USD, to vide a bridge currency that won't fluctuate in value XRP
Nevertheless, Ripple CEO Brad Garlinghouse has said that he believes Ripple could cess 14% of SWIFT's transaction volume within five years (remarkable data)
However, That would be $21 trillion in payments, as estimates put SWIFT's annual volume at $150 trillion
It's a lofty goal, considering XRP just passed $1 trillion in transactions total at the end of last year
Additionally, If Ripple can take a decent bite out of SWIFT's market, then the sky is the limit for XRP, in this volatile climate
However, But it's still too early to say if Ripple and the XRPL will reach widespread adoption among financial institutions
Are XRP ETFs on the way
This analysis suggests that Securities and Exchange Commission (SEC) apved the first spot crypto ETFs (exchange-traded funds) last year
However, Bitcoin ETFs started trading on Jan
Moreover, 16%) ETFs ed on July 23
XRP ETFs could be next, as the SEC is reviewing several applications
Polymarket puts the odds of apval in 2025 at 86% (remarkable data) (this bears monitoring)
Furthermore, The apval of XRP ETFs could be a growth catalyst, although this isn't guaranteed
Bitcoin seemed to benefit from ETF apval
At the same time, Its price went up by 100% in the year after apval, and there have been $54 billion in Bitcoin ETF inflows to date
On the other hand, However, Ethereum hasn't had the same success, given current economic conditions
Market analysis shows evidence shows has been nearly a year since the apval of Ethereum ETFs, and the price of Ethereum is up 1%, in today's market environment
That said, ETF apval would undoubtedly be a positive sign for XRP, especially since it's already up
On the other hand, It would make in XRP more accessible and could attract institutional investors
Furthermore, Additionally, If the SEC apves XRP ETFs, I expect the price to jump
A three-year forecast for XRP I'm cautiously optimistic XRP, in today's market environment
However, It has the potential to imve cross-border payments, and it has become one of the most well-known cryptocurrencies, which could help it stay near the top of the market
Over the next three years, I think XRP could hit $7 or higher
Additionally, On the other hand, There will be plenty of ups and downs, but overall, I see this cryptocurrency doubling in value
Conversely, Another possibility is that XRP can't gain much more traction with financial institutions, and it could plummet to under $1
Cryptocurrencies are volatile, which is great when things are going well, but also means losses can come fast and heavy
If you're going to invest in XRP, the safest apach is to only put in what you can afford to lose
Lyle Daly has positions in Bitcoin and Ethereum, in light of current trends
However, The Motley Fool has positions in and recommends Bitcoin, Ethereum, and XRP
This leads to the conclusion that Motley Fool recommends Standard Chartered Plc, given the current landscape
This analysis suggests that Motley Fool has a disclosure policy, in today's financial world.
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