Can XRP Reach $100? Examining XRP Price's Future Potential
We explore XRP’s chances for major gains in the future, and try to answer the question being asked by many XRP investors – can XRP reach $100?
Despite its popularity, XRP is unlikely to reach $100 anytime soon. With a circulating supply of 57.45 billion tokens, XRP's market cap would be $5.745 trillion if it reached a price of $100 per token.
Despite its relatively poor price performance in recent years, XRP has experienced an immense price surge in the last few months. In this article, we’ll consider XRP’s chances for major gains in the future, and try to answer the question being asked by many XRP investors – can XRP reach $100?
Key highlights:
- XRP has a very low chance of reaching $100 anytime soon, despite its recent impressive performance.
- At a price of $100, XRP would have a larger market cap than the whole crypto market has ever reached.
- However, there are several bullish catalysts for XRP that could propel the price of the coin even further.
Can XRP reach $100? The chances are extremely slim
XRP has a circulating supply of 57.45 billion coins, which means that the market capitalization of XRP at a price of $100 per XRP would be $5.745 trillion. This would be significantly larger than the highest market cap ever reached by the cryptocurrency market, which was a bit under $4 trillion.
Just from this simple calculation alone, we can see that XRP reaching a price of $100 is not a likely scenario.
To add to that, we should also consider that XRP has never even come close to reaching a price of $100. At its historical peak in January of 2018, XRP set an all-time high of $3.50. Even at that price, an additional 28.5x price increase would be required to reach $100.
Even if we consider the recent crypto bull run which saw XRP reach $2.84 in December 2024, the chances of XRP reaching $100 are still quite low.
To better visualize what different price levels would mean for the market cap of XRP, let’s quickly calculate what the coin’s market cap would be under various price and supply assumptions.
| XRP Price | Implied market cap (circulating supply) | Implied market cap (total supply) |
|---|---|---|
| $0.50 | $28.73 billion | $49.9 billion |
| $1 | $57.45 billion | $99.9 billion |
| $5 | $287.25 billion | $499.9 billion |
| $10 | $574.5 billion | $999.9 billion |
| $50 | $2.87 trillion | $4.9 trillion |
| $100 | $5.75 trillion | $9.9 trillion |
*Calculations involving the circulating supply assume a 57.45 billion circulating XRP supply (as of January 10th, 2025).
*Calculations involving the total supply assume a 99.99 billion XRP supply.
Bullish catalysts for XRP
Although a $100 price tag is out of the question for XRP at the moment, XRP is still a good investment in 2025. Let’s explore some of the key factors that could drive upward momentum in the XRP price.
Positive developments in the Ripple vs. SEC lawsuit
One of the biggest factors why XRP has been performing so poorly in the last 5 years despite a full-blown crypto bull market in 2021 is the ongoing legal battle between Ripple and U.S. securities regulator SEC, which began in December of 2020. This trend was broken after Trump's re-election, which sparked XPR's rally to $2.84.
Although the SEC is making multiple allegations against Ripple, the crux of the issue is that the SEC considers XRP to be an unregistered security issued by Ripple. Meanwhile, Ripple is arguing that XRP is not a security and shouldn’t be treated according to securities laws.
In August of 2024, Ripple scored a major victory in the legal battle as a judge ordered Ripple to pay $125 million in penalties despite the SEC seeking a much larger amount ($2 billion). Although this was certainly a very positive development for Ripple and XRP, the legal battle with the regulator is not yet over.
In October of 2024, the SEC appealed a 2023 federal ruling that stated that XRP was not a security.
On December 4th, 2024, Trump announced that he had picked former SEC commissioner and known crypto supporter Paul Atkins to head the agency. The current head of the SEC, Gary Gensler announced he will step down from his position on January 20th, which could signal the end of the end of the ongoing lawsuit and increase XRP's price even further, though only time will tell if that will actually be the case.
The RLUSD stablecoin
Another positive development for XRP is the launch of a dollar-pegged stablecoin called Ripple USD, or RLUSD. This stablecoin is available on both the XRP Ledger and Ethereum and is redeemable for US dollars on a 1:1 basis.
Ripple USD (RLUSD) is now live on global exchanges.
An enterprise-grade stablecoin built for everyone, $RLUSD combines fiat stability with blockchain efficiency:
➡️ Instant global payments, 24/7
➡️ Seamless on/off ramps
➡️ Access value in real-world assets.… pic.twitter.com/lJ43GdoDGR — Ripple (@Ripple) December 17, 2024
The stablecoin’s peg to the US dollar is maintained through 100% backing by US dollar deposits, short-term US government treasuries, and other cash-equivalent assets.
An independent accounting firm will audit the stablecoin’s reserves, and Ripple will release monthly attestations to confirm that all RLUSD tokens in circulation are fully backed.
Real-world assets (RWAs) on the XRP Ledger
Another emerging trend on the XRP Ledger is the tokenization of real-world assets (RWAs). Asset classes such as real estate, commodities, and securities can be tokenized, creating an immutable digital representation of the underlying asset that can be traded and owned on blockchain networks.
The XRP Ledger is well-suited for this purpose, thanks to its built-in tokenization capabilities, native decentralized exchange, and features that support businesses in ensuring compliance.
Looking ahead, we can anticipate new features being introduced to the XRP Ledger that will further enhance its ability to support RWA tokenization.
In August, the RWA platform OpenEden launched its tokenized US treasury bill product on the XRP Ledger. Following this launch, Ripple invested $10 million into OpenEden's TBILL tokenized treasury product.
Additionally, Ripple is actively collaborating with regulated digital asset exchange Archax, with plans to bring hundreds of millions of dollars worth of tokenized assets onto the XRP Ledger.
Long-term XRP price prediction
Now, let’s also consider the algorithmic XRP price prediction on CoinCodex to see what could happen to the XRP price in the future. Although the prediction is forecasting XRP to see substantial price growth in 2025, even this optimistic forecast doesn’t place the future XRP price anywhere near the $100 mark.
If we consider the CoinCodex XRP price prediction up to 2030, the highest forecasted price for XRP is $8.27, which is roughly 3.5x higher than the current XRP price but still well below the $100 price mark.
Please keep in mind that the price prediction on CoinCodex is only based on price history and current market conditions, and doesn’t take into account any fundamentals or news events.
The bottom line
If you’re wondering if Ripple can reach $100, the answer is most likely no. As we discussed earlier in the article, an XRP price of $100 would mean that XRP alone would have a larger market cap than the entire cryptocurrency market has ever reached.
However, this doesn’t mean that XRP isn’t a good hold. There are a lot of bullish catalysts that could drive the XRP price even higher in the future. If you’re a long-term XRP investor looking for the best place to store your coins, we recommend you check out our list of the best XRP wallets.
What's Your Reaction?
