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Price Predictions for Ripple (XRP) from 2024-2050
Cryptocurrencies /
Alex Macris
Cryptocurrencies
Ripple
XRP
Price
Predictions

What is the Ripple network and Ripple (XRP)?
Ripple
RipplePay was founded in 2004 by Ryan Fugger, a web developer based in Vancouver, who envisioned it as a financial network for direct transactions between parties that would challenge existing banking institutions. Before Bitcoin appeared (the first major digital currency), RipplePay aimed to facilitate secure global payments and empower individuals and communities to develop their own virtual currencies.
Later, in 2011, Bitcoin pioneer and founder of the Mt. Gox exchange, Jed McCaleb, in collaboration with Chris Larsen, reached out to Fugger with the idea of transforming RipplePay into a digital currency system based on consensus among network members.
They presented Ripple (XRP) as an alternative to Bitcoin, to address the energy-intensive nature of Bitcoin mining. This system combines Cobalt, which provides a secure way for everyone to reach consensus even if some parts fail, and the Ripple network consensus algorithm, which is specifically designed to facilitate fast and reliable agreements.
While Ripple (XRP) also uses the XRP ledger to store transaction details, the payment network does not utilize mining to validate and record new transactions. Rather, it does so to maintain a record of transactions and reach consensus quickly, as the XRP ledger requires a reliable validating node.
Subsequently, Fugger handed over the project, leading to the formation of OpenCoin, which eventually became Ripple Labs.
Ripple evolved into what we know today in 2012. McCaleb, Arthur Britto, and David Schwartz (the mastermind behind the XRP ledger and current CTO at Ripple) developed the core consensus network, leading to the renaming of RipplePay, with the primary goal of revolutionizing cross-border payments.
Ripple's technology offers a solution for banks and financial institutions by replacing traditional "slow and outdated" international systems like SWIFT, enabling instant settlement of transactions that may take days in other cases.
Unlike many other cryptocurrencies, Ripple's blockchain technology is directly used to facilitate transactions between banks, avoiding the need for intermediary financial institutions and thus reducing transaction costs and delays. According to current CEO Brad Garlinghouse, 'We believe that cryptocurrencies and traditional currencies can complement each other.' It is worth noting that the Ripple system can handle transactions in currencies other than Ripple (XRP).
While the Ripple network has focused on the use of financial institutions for cross-border payment ledgers and the management of central bank digital currencies (CBDCs), the functions of Ripple (XRP) extend beyond that. Its integration with digital wallets demonstrates its utility in personal finance. Moreover, discussions around Ripple (XRP) and Web3 technologies indicate potential uses in the world of digital collectibles, gaming, and the broader digital economy, positioning Ripple (XRP) as a key player in the future of finance.
The Ripple network aims to facilitate the use of Ripple (XRP) by banks and other companies by providing new tools such as the Liquidity Hub and technical updates that make it easy to manage Ripple (XRP) and participate in the Ripple network.
This could ultimately lead to increased funds flowing through the system and improved efficiency for all parties involved. The Ripple network's technology is now being integrated by over 100 financial institutions worldwide, demonstrating its growing acceptance and potential in democratizing international payment processing.
Ripple (XRP)
Tokenomics of Ripple (XRP)
Ripple (XRP) was created (pre-mined) at launch in 2013 with a total quantity of 100 billion, eliminating the need for mining to issue new coins.
Founders received 20%, while the Ripple network held the remaining 80%. The Ripple network reserved 55 billion (XRP) in escrow accounts on the XRP ledger in December 2017. These accounts serve as a place to store Ripple (XRP) so that it does not trade freely in the market. Each month, one billion Ripple (XRP) is released from escrow to ensure predictability.
The remaining Ripple (XRP) is placed in a new escrow account with an additional month added to the release schedule.
Ripple (XRP) has a deflationary nature, as transaction costs are burned to prevent spam attacks. Forecasts suggest that the supply of Ripple (XRP) could continue for up to 70,000 years thanks to this deflationary mechanism, though this depends on future developments. While burning Ripple (XRP) has a deflationary effect, it is likely to have a significant impact on price in the short to medium term. The Ripple network has a comprehensive plan to enhance the circulating supply of Ripple (XRP) while maintaining liquidity.
Ripple Labs founders Chris Larsen and Jed McCaleb sold their stakes in Ripple (XRP), significantly impacting the digital currency's price. McCaleb, who received a large amount of Ripple (XRP) to start the company, agreed in 2014 not to liquidate his 9 billion (XRP) stake. However, when he announced his intention to sell it all over a two-week period, the price of Ripple dropped by 40%.
Chris Larsen also donated 7 billion Ripple (XRP) to the Ripple Foundation for Financial Innovation to help unbanked consumers worldwide. The sale of Ripple (XRP) by the founders, especially McCaleb, illustrates the impact that large-scale sales by key figures can have on the market value of the cryptocurrency.
As of this article's writing in June 2024, there were over 55.4 billion Ripple (XRP) in circulation.
Ripple's legal battle with the US Securities and Exchange Commission (SEC)
In December 2020, the SEC filed a lawsuit against Ripple, alleging that the sale of Ripple (XRP) amounted to the sale of unregistered securities and that Ripple conducted an unregistered securities offering exceeding 1.3 billion USD through Ripple (XRP) sales. This lawsuit significantly impacted the Ripple (XRP) market and its price. Ripple has continuously denied these allegations.
After more than two years, in July 2023, the court issued a mixed ruling. While Ripple (XRP) sales on exchanges and through algorithms were not considered securities, the judge ruled differently regarding Ripple's direct sales to institutions. The SEC strongly responded in March, seeking more than 2 billion USD in fines and penalties from Ripple. As of May 2024, a critical case is ongoing concerning access to Ripple's legal records related to Ripple (XRP) transactions. The outcome of this session could significantly impact the case.
The ongoing legal battle has affected Ripple. The SEC's criticism of the unannounced Ripple stablecoin as an 'unregistered digital asset' highlights further regulatory uncertainty surrounding the company. Additionally, some cryptocurrency exchanges have removed Ripple (XRP) from their listings in response to the initial lawsuit, although some major players have reinstated it after the court rulings.
Ripple and MoneyGram, a US money transfer company, had a significant partnership in June 2019, where they invested 50 million USD to use RippleNet and Ripple (XRP) for cross-border payments. However, in February 2021, MoneyGram ended the partnership due to the lawsuit.
MoneyGram later announced a new partnership with Stellar, although Ripple claims that the partnership demonstrated the real-world use of Ripple (XRP). The collapse of the partnership has been attributed to regulatory uncertainty and high costs for MoneyGram.
Latest developments in the Ripple network and Ripple (XRP)
In a significant development, the Ripple network announced its plans to launch a dollar-backed stablecoin later in 2024. The stablecoin will debut on the XRP ledger and Ethereum blockchain, with plans to expand across multiple blockchains and decentralized finance (DeFi) platforms.
It is unclear whether the introduction of the stablecoin will constrain the functionality of the original Ripple (XRP) or enhance its utility and liquidity. Ripple (XRP) will serve as a bridge asset for the stablecoin, helping to increase the liquidity and efficiency of transactions. The stablecoin could increase the acceptance of the Ripple network since some financial institutions are hesitant to adopt volatile assets.
It is noteworthy that the faster transaction confirmation times for Ripple (XRP), which typically take around 3-5 seconds, can mitigate transport volatility compared to the Bitcoin network, which can take much longer to confirm.
Despite a thriving community and prominent legal disputes, the adoption of Ripple's product has yet to reach its full potential. The existence of a reliable alternative to Tether and Circle could diversify revenue streams, especially in light of the potential fine that the SEC may impose.
The stablecoin market is expected to reach a market value of nearly 3 trillion USD by 2028. With competition from existing stablecoins like USDC and Tether, Ripple's integrated financial solutions will likely need to adapt to other blockchain networks to stay competitive. While the XRP ledger has advantages, broader adoption may require compatibility with other popular blockchain networks.
The Ripple network also expects strategic partnerships and growth, including the integration of Ripple (XRP) into a battle royale game with the Futureverse platform and improving the user and developer experience on a broader level across multiple applications. Furthermore, the Ripple network is integrating artificial intelligence into its offerings to expand the functionality and capabilities of its blockchain platform across various sectors.
What affects the price of the XRP/USD pair?
Market trends play a significant role, as positive developments such as technological advancements for the Ripple network or predictions of ETFs for Ripple (XRP) lead to increased buying. Conversely, regulatory actions, broader market movements related to Bitcoin and Ethereum, or even social media buzz can trigger negative sentiments.
Traditional financial events also contribute to the overall trend. Financial institutions and large investors, along with the RippleNet network, have a direct impact on the intrinsic value of Ripple (XRP). New functionalities that go beyond RippleNet could further increase its attractiveness.
Finally, reaching a positive resolution in the ongoing lawsuit against the SEC could significantly enhance investor confidence and possibly boost the price. By monitoring these various factors, traders can gain valuable insights into market direction and potential price movements for Ripple (XRP).
Historical price performance*
* Indications of predictions and past performance are not reliable indicators of future results.
Historical performance of the XRP/USD pair


Ripple (XRP) was introduced in 2012, trading at a fraction of a cent until the end of 2017. Starting in 2018, the surge in interest in cryptocurrencies and Ripple's partnerships with major financial institutions led to a significant increase in its price, reaching 3.80 USD on several cryptocurrency exchanges.
After peaking in 2017, the entire cryptocurrency market experienced a long period of decline, with the price of Ripple (XRP) falling below one dollar. During Bitcoin's surge in April 2021, the price of Ripple (XRP) rose above one dollar again.
Since early 2018, the price of Ripple (XRP) has decreased by more than 85 percent from its peak.
The estimated circulating supply exceeded 55.4 billion units, which is slightly over 50% of the maximum supply of 100 billion. In addition to prolonged legal disputes with the Securities and Exchange Commission (SEC), the price of the currency has been negatively affected over eight years due to continuous sales from one of the company's founders of his stash of 9 billion Ripple (XRP), which he has been selling since leaving in 2014.
Recent stability may indicate a more mature market, but it is important to consider that cryptocurrency prices can be influenced by unexpected news and market shifts.
Lowest and highest annual prices since 2017
Year
Lowest Price (USD)
Highest Price (USD)
2017
0.0032.47
2018
0.2453.32
2019
0.1750.505
2020
0.1140.79
2021
0.2081.97
2022
0.2870.918
2023
0.30.948
2024
0.4260.745
Highest and lowest prices in previous cycles
Year
Highest
Year
Lowest
Retracement Ratio
2018
3.32
2020
0.114-96.6%
2021
1.97
2022
0.287-85.4%
Ripple (XRP) Price Predictions for 2024-2050
The prices and forecasts displayed in this table and the following sections are derived from external data and are intended to provide an overview of current market trends.
Source / Year
2024
2025
2030
2040
2050
Consensus Rating (Binance Users)
0.519 USD 0.543 USD 0.693 USD**
Coincodex
*0.337 - 1.67 USD 0.428 - 1.74 USD**
CoinPedia
1.6 - 2.23 USD (average 1.915 USD) 2.47 - 3.38 USD (average 2.925 USD) 13.8 - 16.24 USD (average 15.02 USD)**
Techopedia
0.3 - 3.1 USD (average 1.8 USD) 1.5 - 4.5 USD (average 3 USD) 3 - 9 USD (average 6 USD)**
Token Metrics
*0.31 - 0.636 USD 1.06 - 1.12 USD**
Coinlore
*1.15 USD 2.28 USD 7.21 USD*
WeStarter
0.748 - 0.995 USD (average 0.828 USD) 1.05 - 1.26 USD (average 1.12 USD) 2.82 - 3.18 USD (average 3.11 USD) 4.29 - 5.96 USD (average 4.9 USD) 6.29 - 7.8 USD (average 7.12 USD)
Zach Humphries
*3.81 USD***
* Price predictions from this source were not provided for this year
Ripple (XRP) price predictions for 2024
Starting in 2024, price predictions for Ripple (XRP) have shown mixed opinions. While some sources, like the consensus results from a Binance platform user survey, predicted the price would reach 0.519 USD by June, the price of Ripple (XRP) had already surpassed this mark by March, reaching 0.745 USD.
However, Coinpedia warns of a potential bearish trend within a weekly triangle pattern, with the price rising to 2.23 USD.
A key factor for 2024 is the ongoing lawsuit between Ripple and the SEC. According to Techopedia, a win for Ripple could significantly boost the price of Ripple (XRP), with an average of 1.80 USD by the end of the year. However, they caution that the price could range between 0.30 and 3.10 USD, depending on the court's ruling.
WeStarter's predictions for Ripple (XRP) in 2024 are more cautious, forecasting a price increase to 0.99 USD and a drop to 0.75 USD, averaging around 0.83 USD throughout the year.
Overall, 2024 appears to be a year full of potential for Ripple (XRP), with the SEC's case being a pivotal turning point depending on its outcome.
Ripple (XRP) price predictions for 2025
Looking ahead to 2025, Ripple (XRP) price forecasts offer a range of possibilities. Optimists like Coinpedia and analyst Zach Humphries on YouTube envision significant growth, with predictions reaching as high as 3.38 USD or even 3.81 USD. Coinpedia highlights Ripple (XRP)'s potential in cross-border payments and existing partnerships as catalysts for this growth, while acknowledging potential risks such as global crises.
Techopedia took a more moderate approach, forecasting an average price of 3 USD based on Fibonacci correction tool predictions. The site acknowledges both the potential of Ripple (XRP) (clear use case and partnerships) and concerns about centralization and initial distribution.
Tokenmetrics provides a data-driven perspective, illustrating a bearish price possibility close to 0.31 USD if market dominance declines, and a bullish potential price reaching up to 0.64 USD if market capitalization rises significantly.
Finally, Coincodex offers a range between 0.34 and 1.67 USD, with more conservative technical analysis suggesting price stability around 1.20 USD by 2025. Analyst David Cox provides a similar forecast, with a high of 1.53 USD and a low of 1.06 USD. On the other hand, results from a survey of Binance platform users predicted a more modest price of 0.543 USD for June 2024, indicating a slow upward potential for Ripple (XRP) in the early part of the year.