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The XRP price could receive a massive boost if Millennials and Gen Z investors maintain their balances until 2050.
Data surrounding the crypto market in 2025 shows that Millennials and Gen Z contribute massively to the investor base. Specifically, according to a Gemini exchange report, around 50% both generations worldwide own or have owned digital assets, a level of adoption that outpaces older groups.
Millennials and Gen Z Driving Crypto Adoption
Meanwhile, in the U.S., Millennials make up 57% of all crypto holders, while Gen Z accounts for about 13%. On a global scale, Millennials represent 40% of users and Gen Z about 28%.
Meanwhile, XRP sits at the center of this generational trend. Data from a Coinlaw report shows that users between 25 and 34 years old, mostly older Millennials, make up more than 40% of new XRP wallets created over the last year.
XRP Price if Millennials and Gen Z Simply Held
To evaluate what this holding power could mean, we asked Google Gemini where XRP might trade in 2050 if Millennials and Gen Z simply held their tokens. Gemini presented a bullish situation where XRP could climb anywhere from $100 to $5,000, depending on how much adoption and utility the network achieves.
According to Gemini, several major drivers could support such growth. For XRP to reach those levels, the XRP Ledger would need to achieve massive adoption by banks, corporations, and even central banks for payments, CBDCs, and tokenized assets.
In addition, the network’s built-in burn mechanism, which permanently removes a small amount of XRP with every transaction, could also tighten supply and push up value over time. Gemini also called attention to how important a clear and supportive regulatory environment is.
The chatbot noted that if XRP captured just 5% of a $100 trillion global financial system by 2050, its market cap could hit $5 trillion. With today’s supply, that would place XRP near $90 per token.