Could XRP’s value triple in the next decade? Let’s explore the probability of this outcome

XRP has established itself as a prominent player in the crypto world and has held a spot among the top-ranking digital assets for over a decade. Created by Ripple Labs, XRP isn’t a typical cryptocurrency – it represents an ambitious project that aims to revolutionize how money is moved globally. Through XRP, Ripple aims to provide low-cost and swift international transactions, making money transfers as seamless as sending an email.

Incredible highs and steep falls have marked the journey of XRP, a common occurrence in the cryptocurrency world. While it’s generally seen as a good investment, XRP is prone to high volatility, which is one of the reasons why risk-averse investors prefer to turn to safer alternatives such as xrp futures. Still, if you prefer a more direct approach, you may wonder what the future holds for XRP.  Could its price go to the moon? We will explore this in depth below, so read on to learn more.

Two major catalysts could triple the value of XRP over the next decade

Checking xrp news today is important when determining the future of your favorite cryptocurrency and preparing to make the most of its opportunities. According to some optimistic forecasts, XRP could achieve a value of $12.25 in only five years from now, translating into an overall return of 310% through 2029. However, other analysts take a more cautious stance when it comes to the future of XRP, believing its price could triple throughout the next decade as a result of two major events:

Adoption of stablecoin Ripple USD

XRP is the native cryptocurrency on the XRP ledger, the blockchain that Ripple created to facilitate faster and more cost-effective currency exchanges. As of today, global payments are processed through  SWIFT;  however, the process can be time-consuming and costly, and it involves intermediaries, which can create friction.

Ripple aims to eliminate that through its stablecoin Ripple USD, which helps settle foreign currency exchanges and cross-border payments in just a matter or seconds and at a fraction of the total cost of the SWIFT system. The total number of institutions that have partnered with Ripple is currently less than 200; however, the recent introduction of the RLUSD stablecoin could change that, potentially attracting more fintech companies and banks. This is due to the implications of this development: while using XRP for money transfers has been inexpensive and fast since its inception, it has also carried the inherent risk of major price swings. However, transactions denominated in RLUSD— with XRP still needed for fees —help mitigate that risk, as its value is linked to the U.S. dollar.

Approval of spot XRP exchange-traded funds

Institutional and retail investors alike have become increasingly comfortable with digital assets, particularly popular ones like XRP. However, crypto exchanges remain a source of friction, particularly for institutional investors, due to high custody and transaction fees, as well as the requirement of creating a separate account solely to handle their digital assets.

Different asset managers have applied to the SEC to create spot XRP ETFs, and if accepted, they would represent a major milestone for the XRP ecosystem. This is because they would decrease that friction by providing lower fees and being available for trading on traditional stock market exchanges. In that scenario, investors would be able to get direct exposure to XRP via brokerage accounts. This would also create a more seamless path to adoption, incentivizing market participation for retail and institutional investors.

Looking at Bitcoin, the asset has increased by 160% since the SEC approved spot BTC ETFs in January last year. Therefore, it would be reasonable to think that the same scenario could play out for XRP, provided that XRP ETFs are approved. This potential approval is supported by the pro-crypto standing of the Trump administration, making the outcome even more likely.

Should you invest in XRP right now?

As any other digital asset, XRP is volatile and unpredictable, and if you consider investing in it, it’s essential to be prepared for any kind of scenario – even the one in which you would lose the money you put in.

While the coin has increased significantly since the beginning of the year – which sounds lucrative compared to this time last year - the cryptocurrency has also experienced some steep declines. For instance, during its peak in January 2025 and April, the rice fell by over 37%.

It’s challenging to predict future trends with accuracy, so if you’re considering investing in XRP, it’s crucial to carefully consider your risk tolerance and financial goals. While for some, the asset may present exciting opportunities, this isn’t always the case, as it may not align with everyone’s investment strategy or risk appetite. Also, caution is always wise in the crypto world, so remember to keep an eye on the latest developments surrounding this cryptocurrency and make informed decisions accordingly.

Takeaway

There’s indeed potential for XRP to gain value over the next few years, especially due to catalysts such as the approval of ETFs and the adoption of Ripple USD as a stablecoin, which is expected to increase institutional interest and offer a less risky way to benefit from the asset. However, the impact on the price of XRP is not fully understood, so it’s essential to approach investing in this asset carefully.

Ultimately, XRP remains a volatile cryptocurrency, with numerous external factors affecting its value. Even if XRP’s value does triple in the next decade, the price of the token will still experience some steep declines along the way, so it’s best to steer clear of it if you are uncomfortable with extreme volatility – like watching your investment drop 50% or beyond.

If you do decide that the XRP is the right investment for you, make sure to first create a strategy that you will always stick to, and remember to always stay focused on your long-term goals. It’s easy to get off track when navigating the crypto world, especially due to the market's ups and downs, but cultivating patience and discipline will go a long way in helping you reap substantial rewards.