In 2025, the price of XRP (CRYPTO: XRP) continuously fluctuates around the 3 USD mark, as if 'teasing' the imagination of investors but has yet to break out. In the world of cryptocurrencies, a threefold price increase is not unprecedented, but for XRP to rise from 3 USD to 10 USD would require a serious 'reality check' of the capital market. The question now is no longer 'Can XRP reach 10 USD?', but 'Can it do so before 2027?'

This is particularly important because the investment story of XRP relies more on acceptance from financial institutions and the practical utility of the network rather than solely on speculative waves. If the journey to reach the 10 USD mark takes longer than a crypto bull cycle, investors will need to be more patient.

Factors Supporting XRP

1. The Strong Development of the Developer Team on XRPL

The XRP Ledger (XRPL) ecosystem is witnessing a significant increase in developer activity.

  • The developer funding program has been launched, focusing on buildingcross-chain connectivity tools and tokenization testing of real-world assets (RWA).

  • The upgrade in June added many important features: token escrow contracts, permissioned DEX and batch transactions.

    These improvements reduce friction for developers and lay the foundation for increasing on-chain transaction volume.

2. Financial Infrastructure for Organizations is Taking Shape

In the summer of 2025, XRPL witnesses the emergence of a series of new stablecoins. This helps:

  • Providing familiar payment assets for businesses.

  • Keeping transaction fees paid in XRP maintains demand for the coin. As a result, XRPL becomes a more friendly environment for financial institutions.

3. Expectations for the XRP ETF

Signals about the potential appearance of a direct XRP ETF are becoming increasingly evident:

  • In June 2025, three XRP ETFs launched in Toronto.

  • ETF filings in the U.S. are awaiting a decision on October 17, 2025.

    If approved by the SEC, fund issuers will need to buy millions of XRP to create shares, reducing the circulating supply – a factor that often drives price increases.

Challenges Not to Be Underestimated

1. The Market Capitalization Puzzle

Currently, XRP has a market capitalization of approximately 180 billion USD with 59 billion tokens in circulation. If the price reaches 10 USD/token, the market cap will rise to 590 billion USD – a colossal figure that is difficult to achieve within the next 2 years, even during a bullish market phase.

2. Timing Barriers

The price volatility of XRP is often tied to the Bitcoin cycle, which revolves around the 4-year halving event. History shows:

  • Bull cycles typically last about 1–2 years after halving.

  • After that, the market enters a correction phase.

  • With the current cycle (2024–2025), the uptrend could last until early 2026, but if market liquidity tightens before XRP can break out, the price may have to wait until the next cycle.

3. Macro Risks

The interest rate policy of the U.S. Federal Reserve (Fed) remains unpredictable:

  • Some Fed members warn that inflation is still high.

  • The U.S. President is pressuring for quick interest rate cuts to support the economy.

  • The market currently expects there could be 2 interest rate cuts before 2026, but if the pace of easing slows, the flow of money into risk assets like crypto may weaken just when XRP needs the strongest push.

Conclusion

XRP is fully capable of reaching the 10 USD mark before 2027, but the probability is low. A more realistic scenario is that the price reaches this milestone near the end of the decade, when:

  • The XRP ETF operates smoothly and attracts capital flows.

  • The stablecoin ecosystem on XRPL is thriving.

  • A new global liquidity cycle has been established.

For long-term investors, this is a game that requires patience and a focus on real value rather than just expecting short-term 'pumps'.