Will XRP Ever Reach $10?

ArielleSci/Tech2025-07-018690

Key Points

  • To hit a price of $10, XRP would need to quintuple in value.

  • New regulatory clarity from the SEC is paving the way for future growth at Ripple, the company behind XRP.

  • New spot ETFs, combined with new financial product launches, could generate the type of growth needed to hit a $10 price target.

  • 10 stocks we like better than XRP ›

XRP (CRYPTO: XRP) is still just a $2 crypto, but hope springs eternal in the crypto market. So will XRP ever reach $10? The answer is "yes," but it will likely take several years before it happens.

Obviously, a lot needs to go right for XRP to quintuple in price. However, back in April, cryptocurrency exchange Bitget set a $10 price target for XRP. So it's definitely within the range of possibilities. As I'll outline below, XRP has several key catalysts to make it happen.

Regularity clarity

The first major catalyst is what Bitget refers to as "regularity clarity." Quite simply, the U.S. Securities and Exchange Commission (SEC) is dropping its long-running case against Ripple, the company that launched the XRP token. That SEC case has been hanging over Ripple and XRP since December 2020.

However, under the Trump administration, the SEC is taking a more crypto-friendly approach. At the end of June, both Ripple and the SEC agreed to drop all further appeals in the case. Thus, the long-running case against Ripple has finally come to an end. Ripple will still pay a penalty, but the legal drama is over.

Image source: Getty Images.

As Ripple Chief Executive Officer Brad Garlinghouse pointed out on social media, that's going to free up Ripple to go back to business as usual. And it will remove the dark regulatory cloud that had been hanging over XRP for years.

New spot ETFs

This regulatory clarity is also going to make it possible to launch new investment products for XRP investors. And the one product that these investors want is a spot XRP exchange-traded fund (ETF) similar to the spot Bitcoin ETFs. This would enable them to buy XRP indirectly via an ETF and not have to buy XRP directly in the spot crypto market.

Right now, the thinking is that these spot ETFs will appear in the fourth quarter (Q4) of this year. Online prediction markets currently give them a 78% chance of being approved by the SEC this year, so it's really just a question of "when" and not "if" they appear. When they do, get ready to see a tsunami of new money flowing into XRP.

Innovative new financial products from Ripple

The core business of Ripple is fast, cheap, and secure cross-border payments using the XRP blockchain. However, there's plenty of room for future growth in emerging new areas. If XRP is ever going to reach a price of $10, it's going to come from these new areas of growth.

繼續閱讀

With that in mind, there are several key areas that could drive XRP's price higher. One of these is stablecoins, which have become the hottest growth segment of the crypto market this year.

In December, Ripple launched a stablecoin called Ripple USD (CRYPTO: RLUSD), which is pegged 1:1 to the U.S. dollar. This stablecoin makes moving dollars to the XRP blockchain much easier for financial institutions and could be a way to spur additional adoption of XRP. In just over six months, this Ripple stablecoin has already hit a valuation of $450 million.

Competitive threats to XRP

Financial innovation is happening at a blistering pace right now in the crypto market. Under the Trump administration, many of the traditional strictures for crypto are being dismantled, and new products are launching at a furious pace. Any one of these new products has the chance to blindside Ripple (XRP).

For example, JPMorgan Chase (NYSE: JPM), in partnership with Coinbase Global (NASDAQ: COIN), recently introduced a token called JPMD that sounds a lot like what XRP was supposed to offer big financial institutions. CNBC described it as a "stablecoin-like token." It will be used on the Base blockchain created by Coinbase, and one of its key use cases will be cross-border payments.

That's bad news if you're an XRP investor. There's simply no role for XRP here. Quite simply, JPMorgan Chase has decided to use a completely different token and a completely different blockchain for cross-border payments. That makes me think that the path to mainstream adoption for XRP is going to take a lot longer than many people suppose.

Is a $10 price realistic?

At the beginning of the year, a $10 price for XRP seemed like a no-brainer. At the time, XRP was up nearly 600% since the election and was trading at about $3.40. But XRP has fallen back to the $2 range and is having quite a bit of trouble establishing any sort of new momentum.

The good news is that online prediction markets still give XRP an 18% chance of hitting the $4 mark by the end of this year (as of June 30). And they give XRP a 20% chance of hitting the $5 mark. If -- and it's a big if -- XRP manages to hit $5 this year, then it will become much more likely that it will hit the $10 mark within the next few years.

So keep your eyes on the next six months. These could be absolutely critical in determining just how much higher XRP can go. If XRP manages to break out of its current trading range in 2025, then it could be off to the races in 2026 and beyond.

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JPMorgan Chase is an advertising partner of Motley Fool Money. Dominic Basulto has positions in XRP. The Motley Fool has positions in and recommends JPMorgan Chase and XRP. The Motley Fool recommends Coinbase Global. The Motley Fool has a disclosure policy.

Will XRP Ever Reach $10? was originally published by The Motley Fool

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