A $100 XRP would carry a total value near $7 trillion — larger than any cryptocurrency has ever reached, according to 24/7 Wall St. Reaching that price means climbing roughly 90x from today’s $1.13, and even the most bullish five-year forecast tops out near $50. A rise to $8 to $15 is the more realistic ceiling if the CLARITY Act passes and the 2028 Bitcoin halving triggers another run.
A $100 XRP is highly unlikely by 2031, and the reason is arithmetic before anything else. At that price the token’s total value would sit near $7 trillion, larger than any cryptocurrency has ever reached. Getting there means the token would have to climb about 90x from today’s $1.13.
XRP trades well below its past highs. It reached nearly $4 twice — $3.84 in the 2018 bull run and $3.65 last year — but has not set a new record in over seven years.
Ripple is winning, but the token barely benefits
Ripple has wired itself into global finance over the past year. It won conditional approval in December 2025 to run a national trust bank, and its prime brokerage arm now appears in the DTCC’s clearing directory. On the XRP Ledger, the value of real-world assets jumped from around $991 million to $3.5 billion in a single year, while daily transactions tripled to roughly 3 million.
Yet almost none of that build actually requires the token. Ripple’s payments, its bank charter, and its stablecoin earn money for the company without XRP doing much, and the token picks up only small benefits at the edges. Of the 300-plus banks and payment firms on Ripple’s network, only about 40% actually use XRP to move money.
The catalysts that could still lift XRP
Several events could move the token before 2031. The CLARITY Act, the U.S. bill that would lock in XRP’s status as a commodity, could bring around $5 billion of fresh money into XRP ETFs in the following year, by the site’s estimate. Ripple is also awaiting a Federal Reserve master account, and in October 2026 the DTCC will launch a service to turn major stocks and Treasuries into digital tokens.
The largest catalyst is the Bitcoin halving in April 2028, which cuts new supply and has historically preceded crypto’s strongest rallies. Because XRP tends to move late in these cycles, the halving likely sets up a peak around 2029 or 2030. Standard Chartered maps the token at $7 in 2027 and $28 by 2030 — the most bullish roadmap any major institution has published.
What still stands in the way
Supply is the other drag. Ripple releases up to a billion XRP from escrow each month and relocks most of it, but the circulating count still heads toward 70 billion over the next few years. Competition compounds the problem — stablecoins like Circle’s USDC and coming central bank digital currencies already move money across borders without a bridge token in the middle.
The realistic case lands far short of the headline number. The XRP price could reach $8 to $15 over the next five years if the CLARITY Act passes and the halving triggers another run. For anything higher, Ripple’s banks would need to start settling payments in the token itself, not just using the software around it.
Source: 24/7 Wall St.
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