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Multiple analyses suggest that investors may need to spend significantly more to acquire XRP by the end of the decade than its current price.
Although XRP’s recent performance may appear underwhelming, the token has recorded substantial growth compared to its valuation in October 2024. At the time, XRP traded near the $0.50 mark before staging a strong rebound following the reelection of Donald Trump.
Earlier this year, XRP surged by more than 600% from its October 2024 levels, eventually hitting $3.65 in July 2025. While the token has since retraced significantly from the $3.65 level, many market participants remain confident in its long-term upside. At the time of writing, XRP was trading at around $1.80 and had slipped to fifth place in the global crypto rankings after being overtaken by BNB.
Factors Fueling Investor Optimism in XRP
Looking ahead, expanding real-world use cases, rising institutional interest, and improving regulatory clarity in key markets are driving investors to focus on where XRP could trade by the end of the decade, or 2030.
Currently, XRP already enjoys regulatory clarity in the United States and several other jurisdictions. In addition, U.S. lawmakers are working to strengthen this clarity through the proposed CLARITY Act, which is now under consideration in the Senate.
Beyond regulation, XRP’s growing use in cross-border payments and real-world asset (RWA) tokenization continues to highlight its practical utility. At the same time, institutional demand has surged, as evidenced by the rapid adoption of spot-based XRP ETFs, which have cumulative net assets of $1.18 billion, and the emergence of XRP-linked digital asset treasuries.
Notably, companies such as Wellgistics Health, VivoPower, Webus, and Evernorth have established corporate treasuries centered on XRP, underscoring increasing confidence in the token’s long-term value proposition.
How Much Will 1 XRP Will Cost by 2030
To assess how much one XRP could cost by 2030, five years from now, we consulted the AI model ChatGPT and other estimates from multiple entities.
ChatGPT Estimate
Notably, the chatbot emphasized that XRP’s long-term price trajectory largely depends on key factors such as adoption levels, regulatory developments, and the overall growth of the crypto market.
Under a conservative scenario, ChatGPT suggested that XRP could trade between $6 and $10 by 2030 if the token grows steadily alongside the broader market. This would represent a potential gain of roughly 200% to 400% from its current price near $1.80.
In a base-case scenario, the model projected XRP could range between $14 and $25, assuming wider adoption across cross-border payments, tokenized assets, and institutional finance, supported by continued regulatory clarity.
Meanwhile, under a bullish outlook in which XRP gains large-scale adoption as a core settlement asset within the global financial infrastructure, ChatGPT suggested investors can procure 1 XRP at $30-$50.
Other Estimates From Top Analysts
Beyond AI-based projections, several market analysts have offered more conservative forecasts. Zennon Kapron, a Forbes contributor, estimates that XRP could trade around $5.25, implying investors may be able to acquire the token near that level.
Similarly, forecasts from Changelly and Telegaon remain notably lower than ChatGPT’s estimates. Citing expert-based models, Changelly projects XRP could trade between $13.36 and $16.15 by 2030, with an average target of $13.83.
Telegaon also forecasts XRP to trade within a range of $16.86 to $20.03 by 2030, while stressing that its projections are for informational purposes, not financial advise.