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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.