$XRP

XRP could hit $5 this year, but there's a catch

With a market capitalization of about $180 billion, XRP is currently the world's third-most-valuable cryptocurrency. At a price per token of $5, its market cap would climb to about $287 billion, which would still be a mere fraction of Bitcoin's $2.1 trillion valuation. Achieving the $5 milestone in 2025 doesn't seem out of reach from that perspective.

But here's the issue: While a friendlier SEC will almost certainly benefit Ripple, it won't necessarily benefit XRP. Banks don't have to use XRP with the Ripple Payments network because they can also use fiat currencies and still benefit from instant global transactions. That means the value of XRP isn't directly tied to the success of the payments network.