Launched in 2012, XRP is one of the most well-established cryptocurrency projects in the market. In its more than a decade-long history, XRP’s price increased by over +10,350%, elevating the popular remittance payments solution among the biggest crypto projects by market capitalization.

The robust price growth begs the question of how much higher XRP could go in the future. To answer this question, we’ve outlined several different growth scenarios to construct XRP price predictions for 2040 and 2050.

Before we dive further into price prediction scenarios and potential catalysts for XRP growth, let’s take a look at how a $1,000 investment in XRP could fare in the future:

*Price data was derived from the S&P 500’s average rate of return over the past 66 years.

XRP price history

XRP is the native asset of Ripple, a payment protocol focused on real-time gross settlements and remittances. XRP enables near instantaneous cross-border transactions with near-zero fees. 

Since its inception in 2012, XRP has been at the forefront of blockchain technology innovation and a popular investment among the crypto crowd. The XRP crypto reached an all-time high peak of $3.92 in January 2018, but has since struggled to reach its previous highs.

The major reason why XRP has been struggling to reach its previous highs is the fact that Ripple (the company behind XRP) has been embroiled in a high-profile court case with the U.S. Securities and Exchange Commission (SEC) since 2020 over the alleged sale of unregistered securities. Among other things, the lawsuit led to XRP delistings among several crypto exchanges, including Coinbase.

Historically, XRP had its strongest year in 2017, when the cryptocurrency went from being worth just ~$0.006 at the start of the year to $2.80 at the year’s end – an increase of over 35,100%.

XRP had its strongest year on record in 2017, gaining over +35,100%.

Throughout the years, XRP has clearly demonstrated its resiliency in the crypto market. Meanwhile, Ripple Labs’ XRP Ledger has for years been one of the leading payment system solutions in the blockchain and fintech space. 

With that in mind, let's examine XRP price forecasts and check whether XRP could be a good long-term investment.

XRP price prediction for 2040

We’ll be using the S&P 500 index’s average yearly growth rate to make forecasts for XRP’s price movements. The S&P 500 index, which is one of the leading benchmarks for measuring the growth of U.S. equities, has grown by an average of 11.8% between 1956 and 2022.

Let’s begin by examining what would happen to the price of XRP if it followed the historical growth of the S&P 500 index. We’ll be using our XRP profit calculator to make the following calculations.

XRP’s price prediction for 2040 based on the S&P 500 index’s historical ROI.

Based on the historical growth of the S&P 500,  the price of XRP would increase by 644% from $0.615 to $4.58. 

Since we are making assumptions about a digital asset, it would probably be more appropriate to use an example from the cryptocurrency markets to make Ripple price predictions. That’s why we decided to project XRP’s future price activity using Bitcoin’s historical yearly return averaged over the last 5 years (which is 22.2%).

XRP’s price prediction for 2040 based on Bitcoin’s 5-year average annual return rate.

Under this assumption, the XRP price would increase by 3,592% to $22.71 by 2040.

XRP price prediction for 2050

Now that we’ve established how XRP could perform by 2040, let’s shift our focus to an even longer time scale and check at what price XRP could be trading at in 2050.

XRP’s price prediction for 2050 based on the S&P 500 index’s historical ROI.

If we again base our assumptions on S&P 500’s historical ROI, XRP’s current price of $0.615 would increase by 2,169% to $13.97 in 2050.

XRP’s price prediction for 2050 based on Bitcoin’s 5 yr. average annual return rate.

If we take Bitcoin’s historical ROI as a basis instead, we see that XRP would increase by 27,207% to roughly $142.56 by 2050. 

It is worth noting that such price growth seems highly unrealistic, as an XRP price of $142.5 would mean that the market cap of XRP would stand at over $7 trillion, more than the entire combined value of all digital assets at the moment. For context, when Bitcoin reached its all-time high of $68,700, its market cap was around $1.2 trillion.

Examining the main catalysts for XRP’s long-term price growth

Arguably the most important factor that will determine how XRP performs in the future is the outcome of the SEC lawsuit. If the court finds Ripple and its founders innocent, XRP could very likely experience a substantial rally. 

Not only that, a favorable resolution to the XRP case could help the broader market, especially cryptocurrencies that were sold to investors via the initial coin offering (ICO) model, which includes the likes of BNB and numerous others.

Beyond the lawsuit, additional high-profile partnerships could provide a massive boon for XRP as broader adoption would likely mean more investment interest and an increase in XRP’s price through simple supply and demand mechanics.

Ripple has already established partnerships with several blue chip companies, including Santander, Bank of America, Instarem, and many others, which makes it all the more likely that the company will continue to pursue more such collaborations in the future.

XRP price prediction for 2023-2024: Sideways movement incoming?

According to our algorithmically generated XRP price prediction, the digital currency is expected to drop over the coming months. However, the prediction is currently forecasting a substantial rally for XRP in Q2 of 2024, which could propel the price of this popular digital asset all the way to $1.61.

At the moment, 17 technical analysis indicators tracked by CoinCodex are signaling bullish activity, and 13 are signaling bearish activity. This results in an overall bearish market sentiment. 

It is worth noting that the XRP price prediction for 2023 and price prediction for 2024 is based on the state of technical indicators as of March 20th and could substantially change in the future.

The bottom line: XRP’s long-term growth hinges on a favorable resolution of the SEC case and additional partnerships 

XRP holds significant long-term potential – however, its future performance is largely dependent on the resolution of the SEC lawsuit and on additional banks and financial institutions starting to use Ripple’s solution in the future. It is worth noting that with the implementation of the ISO 20022 standard, we could see Ripple cement its place as the leading bridge between traditional and digital currencies.

If you want to learn more about long-term price predictions for prominent crypto assets, check our forecasts for Bitcoin, Ethereum, Cardano, Cronos, Solana, and Shiba Inu. If you are interested in traditional assets, check out our Tesla price predictions for 2040 and 2050.