XRP is expected to reach $30 by 2030, driven by strong banking adoption, ETF success, Treasury-led purchases, and rumored adoption by the USA and other international financial institutions.
Also Read: Will 1000 XRP Make You a Millionaire? Let’s Calculate
Table of Contents
Price Target Explained
XRP is expected to undergo a rapid demand curve between 2025 and 2030. Once it does so, it will trigger further retail and corporate buying.
XRP has a hurdle at its $3.8 ATH, which, when crossed, will take XRP towards $7.
By the end of 2026, an alt season is expected. Altcoin ETFs and Treasuries have already been catching up to Bitcoin. Such a rally could take XRP towards $15 by 2027.
The next price catalysm arrives in 2028 when a post halving altcoin rally is expected to take XRP close to $30.
Factors Driving XRP Higher
Several factors have been working in XRP’s favour, such as banking partnerships, government interest, ETFs, and Treasuries. Some of these factors have already contributed to the benefit of XRP and some are expected to do so in the future.
Banking Adoption
XRP is being used by over 300 banks globally for several purposes, including Cross-Border Transactions, Internal Transfers, Inter-Bank Transfers, and record-keeping. These banks use the XRP Ledger for transactions and rely on Ripple ODL for fast conversion between fiat and XRP (or RLUSD).
Some prominent banks using the XRP Ecosystem are:
- SBI Holdings
- Santander
- PNC Bank
- American Express
- Standard Chartered
- MUFG
- CIBC
- Kotak Mahindra
- BeeTech
- InstaRem
Banking License
XRP’s parent company has received a US Federal Banking License (official source), which allows it to operate as a full-fledged bank, capable of accepting deposits and lending money. The license will help Ripple establish itself as the first crypto-native bank in the USA.
Government Adoption
XRP is expected to be adopted by the US Government for its internal transactions. If done so, it might receive hundreds of millions in fees from this single client. Further, such an adoption could soon be followed by other governments and international agencies, such as the IMF, the UN, and others.
XRP ETFs
XRP ETFs approved in 2025 marked a significant milestone for investors. Now, anyone can buy an ETF and store it alongside their other investments, rather than going through separate channels to buy spot XRP and keep it in a crypto wallet.
Further, ETFs are also easier to buy for companies that cannot invest in cryptocurrencies due to local laws.
XRP Treasuries
Treasuries are another source of demand for XRP, with corporate and HNI buyers building reserves in hopes of future price appreciation.
Since XRP Treasuries buy in bulk, they also act as a strong price stabilizer, helping create demand for XRP. This model has already worked well for Bitcoin and Ethereum.
Disclaimer: The current article by The Layer is for informational purposes only and does not constitute trading or investing advice. Please refer to a financial consultant before trading or investing.
