$XRP is trading around $3.2–$3.3 today. 
With utility ramping (payments, CBDC settlement, tokenization, micropayments, XRPL DeFi),
my 3–5 year outlook:
• Base case: $8–$12
• Bull case: $15+
• Bear case: $3–$5 (sideways if adoption stalls)
With utility ramping (payments, CBDC settlement, tokenization, micropayments, XRPL DeFi),
my 3–5 year outlook:
• Base case: $8–$12
• Bull case: $15+
• Bear case: $3–$5 (sideways if adoption stalls)