The cryptocurrency market continues to evolve, and XRP—Ripple’s flagship digital asset—remains a focal point for investors and analysts alike. Currently trading at $2.19, XRP has held strong above the $2.15 support level despite recent market volatility, positioning itself as the fourth-largest cryptocurrency by market capitalization, trailing only behind stablecoin Tether (USDT). As institutional interest grows and real-world use cases expand, experts are weighing in on where XRP could be headed in the coming years—with some forecasts extending all the way to 2035.
While skeptics point to XRP’s failure to surpass its 2018 peak of $3.84, supporters highlight its impressive long-term performance. Over the past decade, XRP has outperformed traditional financial benchmarks such as the S&P 500 and Nasdaq 100—data often overlooked in mainstream criticism. This resilience, combined with growing adoption in cross-border payments, has reignited confidence in its future trajectory.
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Expert Insights on XRP’s Long-Term Outlook
Jeremy Britton: “XRP Is Institutional Money Now”
Jeremy Britton, Chief Financial Officer at Boston Trading Company, is firmly in the “buy” camp when it comes to XRP. He believes the digital asset has transcended its original identity as a speculative cryptocurrency and evolved into a functional financial instrument.
“XRP seems to be the choice for many institutions. You could argue it’s no longer really a cryptocurrency—the crypto spirit has almost vanished—but its value lies in the eyes of bankers.”
Britton’s stance is backed by Ripple’s expanding network of institutional partners. The company has forged strategic alliances with major financial players worldwide, including Santander, Bank of America, and Japan’s SBI Holdings. Unlike most firms that stockpile Bitcoin (BTC) for treasury reserves, an increasing number are now adding XRP to their portfolios.
Recent developments underscore this trend. As previously reported by crypto news outlets, Ripple has entered a new phase of adoption, with over $1 billion in funding commitments from eight different institutions. This institutional backing signals a shift from retail speculation to enterprise-grade utility.
However, sentiment among experts remains divided. Only 20% of surveyed analysts believe XRP is currently undervalued. Forty percent view its price as fairly valued, while another 40% consider it overvalued—a split that reflects ongoing debate about its intrinsic worth.
Sathvik Vishwanath: Regulatory Clarity Will Shape XRP’s Fate
Sathvik Vishwanath, CEO of Unocoin, acknowledges XRP’s solid foothold among institutional investors but cautions that its future hinges on regulatory clarity and broader adoption in cross-border transactions.
“XRP’s price is heavily dependent on regulatory transparency and the rate of adoption in international payments.”
Although Ripple won a partial victory in its long-running legal battle with the U.S. Securities and Exchange Commission (SEC), recent developments have tempered optimism. A joint motion filed by Ripple and the SEC to revise earlier rulings—specifically aiming to reclassify certain XRP sales and reduce a $125 million penalty—was rejected by Judge Analisa Torres. This setback delays any definitive resolution on whether XRP qualifies as a security under U.S. law.
Despite this hurdle, Vishwanath maintains that XRP holds strong long-term potential due to its ability to drastically reduce transaction costs. The Ripple ecosystem—including RLYSD, XRPL, and RippleNet—enables near-instant settlements in just 3 to 5 seconds, with fees amounting to fractions of a cent.
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This efficiency positions XRP as a viable alternative to legacy systems like SWIFT, which typically require days to settle international transfers and charge significantly higher fees.
Joseph Lazinski: Tax Policy Could Be a Game-Changer
Joseph Lazinski, futurist at JT Consulting & Media, is currently holding XRP and closely monitoring potential changes in U.S. tax policy that could boost domestic crypto projects.
“If the U.S. introduces tax-free status for homegrown cryptocurrencies, Ripple will be one of the biggest winners.”
His optimism stems from proposals made earlier this year by Eric Trump, who suggested zero capital gains tax for American-developed crypto initiatives—specifically naming XRP and HBAR as examples. While still speculative, such a policy shift could dramatically increase demand for U.S.-aligned digital assets and attract institutional inflows.
Lazinski believes favorable regulation could unlock new growth phases for XRP, especially if paired with increased integration into banking infrastructure and payment networks.
Josh Fraser: Time to Exit?
Not all voices are bullish. Josh Fraser, co-founder of Origin Protocol, acknowledges that XRP earned its reputation but argues it’s time to move on.
“XRP was seen as the cryptocurrency for banks and institutions—but stablecoins now fulfill that role more efficiently.”
Fraser contends that newer stablecoin solutions offer superior scalability, regulatory compliance, and interoperability compared to XRP. With assets like USDC and USDT dominating institutional corridors, he sees little long-term value in holding Ripple’s native token.
“Stablecoins are more practical for this use case. I don’t believe there’s lasting value in holding XRP.”
His perspective highlights a key challenge: even if XRP pioneered institutional blockchain use, staying ahead requires continuous innovation and regulatory alignment.
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Frequently Asked Questions (FAQ)
Q: What is the highest predicted price for XRP by 2035?
A: Some analysts project XRP could reach $8 by 2035 if adoption in global payments accelerates and regulatory clarity improves in key markets like the U.S.
Q: Is XRP a good long-term investment?
A: It depends on your risk tolerance and belief in institutional blockchain adoption. Supporters cite Ripple’s growing partner network and low-cost settlement tech as strong fundamentals.
Q: Why is regulation important for XRP’s price?
A: Because unresolved legal questions—especially around whether XRP is a security—affect exchange listings, investor access, and institutional confidence.
Q: Can XRP replace SWIFT?
A: Not entirely yet, but RippleNet already offers faster, cheaper alternatives for cross-border transfers used by banks in emerging markets.
Q: Are big banks actually using XRP today?
A: Yes—banks like Santander and SBI Holdings use Ripple’s technology; however, direct XRP usage varies based on compliance and liquidity needs.
Q: How fast are transactions on the XRP Ledger?
A: Transactions settle in 3–5 seconds with minimal fees, making it one of the fastest public blockchains available.
Final Thoughts
XRP stands at a pivotal moment. Its ability to maintain value above $2.15 amid market downturns reflects growing confidence. While debates continue over valuation and competition from stablecoins, Ripple’s technological edge in cross-border payments remains compelling.
With over $1 billion in institutional backing and expanding global partnerships, XRP is far from obsolete. Whether it reaches $8 or faces headwinds from regulation or innovation gaps will depend on both macro trends and Ripple’s strategic execution.
For investors watching closely, understanding both the promise and perils of XRP is essential—and timing may prove everything.