XRP trades near $1.10, and 24/7 Wall St. puts the earliest realistic window for a double-digit price at 2029 to 2030 — and only if the CLARITY Act passes and banks start settling in the token. At $10, XRP would carry a roughly $625 billion valuation that only Bitcoin has ever reached.
XRP would need a roughly $625 billion valuation to trade at $10, and 24/7 Wall St. places the earliest realistic window at 2029 to 2030 — a target that depends on the next crypto cycle peaking, new law, and banks actually using the token. The coin trades around $1.10 today, roughly 70% below the $3.65 peak it reached last July.
Deals keep landing, but the price won't move
Ripple's dealmaking has not reached the token. The company picked up a full European license in early July, letting it offer crypto services across the EU, and Japanese regulators approved its RLUSD stablecoin in late June. Yet XRP has been stuck between roughly $1 and $1.15 since June, and every attempt to break above $1.20 has failed.
Network use is thinning even as the deals pile up. Only 2,130 new wallets were created on the XRP Ledger on July 11, the lowest count since November 2024. Institutional money has gone quiet too, with XRP ETF inflows dropping from $131.94 million in May to $59 million in June, and to almost nothing so far this month.
What $10 would actually mean
The math is the harder obstacle. With about 62.47 billion XRP in circulation, a $10 price would value the token at roughly $625 billion — more than Ethereum was worth at its all-time high, a size only Bitcoin has ever exceeded. XRP also has never traded above $3.84, a record standing since January 2018.
Supply keeps growing, which raises the bar further. Ripple releases up to a billion XRP every month from escrow, and once the supply reaches 70 billion, a $10 price would push the token's value near $700 billion.
The conditions for a double-digit price
The timing tracks Bitcoin's schedule. Bitcoin's next halving arrives in April 2028, and because the past two cycles peaked roughly 18 months later, the next major top would land in 2029 or 2030 if the halving pattern holds.
Regulation is the other lever. The SEC and CFTC classified XRP as a commodity in March, but that agency ruling can be reversed, so the CLARITY Act would write the status into federal law. 24/7 Wall St. estimates the CLARITY Act's passage could pull around $5 billion into XRP ETFs within a year, with the Senate now aiming for a floor vote before the August 7 recess.
Even that may not be enough on its own. Of the 300-plus institutions on Ripple's network, only about 40% actually use XRP to move money — and until those banks settle payments in the token itself, the demand a $625 billion valuation needs stays on the sidelines.
Source: 24/7 Wall St.
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