Here’s XRP Price If Millennials and Gen Z Hold Until 2050

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.

$XRP Price if Millennials and Gen Z Hold Until 2050 | Google Gemini

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.