According to Forbes, XRP's next 5 years will depend on its ability to convert legal clarity into real-world payment applications and stable liquidity.

This token is trading at $3, up 4% in the last 7 days. XRP's market capitalization is around $176 billion, putting XRP back in the top 3 cryptocurrencies by market capitalization.

Legal Clarity Benefits XRP

In July 2023, a U.S. court ruled that selling XRP under the program on public exchanges is not a security, while some sales by institutions remain in question.

This issue will be revisited in August 2025 when both the SEC and Ripple declined to appeal, maintaining that controversial decision.

That action removed a long-standing legal barrier that had prevented many institutions from entering the United States.

Market Overview and On-Chain Tools

Reports show that recent peak prices vary by source — $3.84 on some tracking tools and $3.65 on others — but liquidity indicators have improved.

The XRP ledger processes transactions in three to five seconds and typically charges under $0.01. In March 2024, the ledger added an automated market maker on-chain via the XLS-30 amendment.

Payments and Transfers Could Drive Demand

Forbes reports that the total amount of international remittances to low- and middle-income countries will exceed $680 billion by 2024, with an average fee of nearly 6%, while the United Nations' target is 3%.

Ripple is currently operating production corridors with partners like SBI Remit in Japan and Onafriq in Africa, connecting payments to the Philippines, Vietnam, Indonesia, and 27 African countries.

If fund managers and regulatory agencies in these corridors accept cryptocurrencies, XRP could achieve stable cash flow driven by utility rather than pure speculation.

New Products and Channels for Investors

Ripple launched RLUSD, a dollar-backed stablecoin, in 2025 with reserves held at BNY Mellon. Some issuers have filed S-1 and 19b-4 forms for XRP products directly in the U.S. These filings could create a new bridge channel if approved.

According to Finder's expert panel in July 2025, the average price of XRP is expected to be $2.80 by the end of 2025 and $5.25 by 2030 — forecasts depend on levels of adoption, liquidity, and market entries like ETFs.

Where Will XRP Stand in the Next 5 Years

According to Forbes, if trading volume shifts from currency and stablecoins to XRP, and if storage channels and ETFs open up, demand could sustainably increase.

In that scenario, the price increase will be supported by both actual payment cash flow and passive investment. If these factors do not align — if stablecoins gain market share, if CBDCs attract attention, or if enforcement issues persist — XRP may still be widely traded but will be limited in actual payment usage.

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