In a bull-case scenario, XRP’s current catalysts continue to deliver as planned. New spot XRP ETFs attract money from investors, the pace of institutional adoption continues to grow, and XRP becomes the key centerpiece of an end-to-end financial payment network for sending money around the world. If that’s the case, XRP could realistically hit a price of $10 or higher by the end of 2028. According to Standard Chartered, XRP will hit a price of $8 this year, before soaring to the $12.50 mark by the end of 2028.
In a worst-case scenario, XRP once again overpromises and underdelivers. Inflows into the new spot XRP ETFs begin to tail off, financial institutions scale back their pace of adoption, new regulatory clarity around XRP suddenly becomes cloudier, and stablecoins eventually supplant XRP as the easiest, cheapest, and fastest way to send money around the world. The future of XRP rests on the fate of institutional adoption. Put simply, if large financial institutions and Wall Street banks do not want to use the XRP blockchain ledger for payments and transactions, then there’s no realistic path higher for XRP.
So keep a close eye on how well Ripple is able to integrate its billions of dollars in new blockchain acquisitions from last year. If all goes according to plan, XRP will quickly make its way back to the $4 mark before soaring to $10 by the end of 2028.
XRP is currently trading below the $2 mark. XRP was still just a $0.50 crypto back in November 2024. It’s not out of the realm of possibilities that XRP could dip below the $1 mark.
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