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Ripple price prediction 2030–2050: What is the future of XRP?

By Mensholong Lepcha and Raphael Sanis

Edited by Vanessa Kintu


Updated

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In this article:
BTC/USD
Bitcoin / USD
23449.05 USD
2.15 +0.010%
ETH/USD
Ethereum / USD
1660.11 USD
19.56 +1.190%
XRP/USD
Ripple / USD
0.41077 USD
-0.00075 -0.180%

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Ripple (XRP) cryptocurrency logo
Ripple price prediction 2030–2050: What is the future of XRP? – Photo: WindAwake / Shutterstock.com

The origins of blockchain payment network company Ripple (XRP) go back at least as far as those of Bitcoin (BTC), with some believing Ripple predates the concepts behind the bellwether cryptocurrency by four to five years.

But while BTC has gone on to dominate the cryptocurrency universe, Ripple-developed XRP has lagged behind. XRP, which was once valued higher than ether (ETH), has underperformed its rivals due to an ongoing lawsuit filed by the US Securities and Exchange Commission (SEC) against Ripple.

Despite the hurdles, XRP has managed to keep its position among the top 10 cryptocurrencies in the world in terms of market capitalisation, as of December 2022. 

In this article, we will discuss the future of the Ripple blockchain and XRP. We will focus on the SEC lawsuit and look at the long-term ripple price predictions for 2030–2050.

What is Ripple and XRP? 

The XRP Ledger (XRPL) is an open-source public blockchain that anyone can develop on and use for transactions. David Schwartz, Jed McCaleb and Arthur Britto began the development of XRPL in 2011 with the intention of creating a global decentralised payment system that is more scalable and efficient than bitcoin – one that is “built specifically for payments”.

XRP, the native cryptocurrency of XRPL, was launched in 2012. XRP is a payment token used to facilitate transactions and provide liquidity for currency swaps between cryptocurrencies and fiat currencies.

As the US Government Accountability Office (US GAO) explained in a report on virtual currencies:

“Ripple allows users to make peer-to-peer transfers in any currency. A key function of XRP is to facilitate the conversion from one currency to another. For example, if a direct conversion between Mexican pesos and Thai baht is not available, the pesos can be exchanged for XRP, and then the XRP for baht.”

Shortly after the launch of XRPL in 2012, Chris Larsen, executive chairman and former CEO and co-founder of Ripple, joined the team. The group formed a company known as NewCoin, which was renamed Ripple. 

Running parallel to the XRP Ledger is RippleNet. RippleNet is a global financial network similar to the SWIFT (Society for Worldwide Interbank Financial Telecommunications) banking system, but one that is built on blockchain technology, thereby making it decentralised, transparent, faster and cheaper than its traditional counterpart. RippleNet leverages XRP to provide liquidity for cross-border transactions.

Today, RippleNet facilitates over 120 currency-pair transactions across more than 55 countries worldwide, according to its website. Some of the financial institutions using RippleNet include Bank of America, American Express, Santander, IndusInd Bank and Siam Commercial Bank, among others. 

It has to be said that XRP assets and Ripple are separate entities, although inherently related.

Ripple is a centralised fintech company that developed the XRP Ledger.

The XRP Ledger is a decentralised public blockchain network maintained by the XRP community with Ripple running six of the 35+ validators on the network’s unique node lists (UNLs). 

“UNLs are the lists of validators a given participant believes will not conspire to defraud them. Each server operator can choose their own UNL, usually based on a default set provided by a trusted publisher,” said XRPL’s website. 

The website added that Ripple, XRP Ledger Foundation and Coil publish a recommended default list of high quality validators, based on past performance, proven identities and responsible IT policies.

What is the future of Ripple?

XRPL’s technology is seen as a disruptive force within the global financial system. However, in recent times, Ripple and XRP have been more readily associated with an ongoing lawsuit between the SEC and Ripple. The XRP price over the coming years will be highly dependent on the outcome of the lawsuit.

In December 2020, the SEC filed a lawsuit against two Ripple executives, executive chairman of the  board and former CEO and co-founder Christian Larsen, and current CEO and member of the board of directors Bradley Garlinghouse, alleging that they raised over $1.3bn through an unregistered, ongoing digital-asset securities offering.

The SEC argued that XRP is a security rather than a currency and should be regulated by the market watchdog. In its lawsuit, the SEC said Ripple raised billions of dollars via the sale of XRP to finance the company’s business. It also alleged that Larsen and Garlinghouse profited by over $600m from “personal unregistered sales of XRP”.

A SEC complaint filing read:

“Garlinghouse did so while repeatedly touting that he was ‘very long’ XRP, meaning he held a significant position he expected to rise in value, without disclosing his sales of XRP.”

The SEC also alleged that “Ripple viewed the Institutional Sales as the lynchpin of its strategy to generate speculative interest in XRP from public investors”, with Ripple making sales worth over $624.8m to at least 26 institutional investors from 2013 to 2020.

Ripple made many of those XRP institutional sales at discounts between 4% and 30% of the market price. The deals did not provide restrictions on the buyer’s ability to resell XRP and had only “brief” lock-up periods that limited buyers’ ability to resell quantities of XRP, according to the SEC.

“In other words, Ripple expected that most, if not all, Institutional Sales buyers would sell their XRP into public markets and tried to protect XRP’s trading price by limiting the amounts that could be resold during any given time period. By selling at discounts to market prices, Ripple incentivised these buyers to seek to sell their XRP into the public markets in order to realise what was essentially a guaranteed profit,” claimed the SEC.   

After almost two years, the question at the heart of the lawsuit is currently focused on whether Ripple executives were aware of the risk that XRP could be deemed a security, and whether they were warned by their lawyers before the XRP sales.

LUNC/USD

0.00 Price
+14.820% 1D Chg, %
Long position overnight fee -0.0500%
Short position overnight fee -0.0500%
Overnight fee time 22:00 (UTC)
Spread 0.00000958

XRP/USD

0.41 Price
-0.180% 1D Chg, %
Long position overnight fee -0.0500%
Short position overnight fee 0.0140%
Overnight fee time 22:00 (UTC)
Spread 0.00362

DOGE/USD

0.09 Price
+1.450% 1D Chg, %
Long position overnight fee -0.0500%
Short position overnight fee 0.0140%
Overnight fee time 22:00 (UTC)
Spread 0.0011712

ETH/USD

1,660.11 Price
+1.190% 1D Chg, %
Long position overnight fee -0.0500%
Short position overnight fee 0.0140%
Overnight fee time 22:00 (UTC)
Spread 5.00

The lawsuit that has been ongoing since December 2020 looked to have entered it final phase as both the SEC and Ripple filed motions for a summary judgement on 17 September 2022.

A summary judgement is a court ruling made with evidences put before the court without having to go into full trial. In the case US vs City of Stilwell, Oklahoma and Stilwell Area Development Authority, the US Department of Justice said :

“While summary disposition is not appropriate for all cases, summary judgment is not disfavored in antitrust cases. Rather, summary judgment remains a vital procedural tool to avoid wasteful trials and may be particularly important in antitrust litigation to prevent needlessly costly litigation.”

Both parties were given until 30 November 2022 to hand in their summary judgment documents. These documents are expected to be made public by 5 December 2022.

The outcome of the case is expected to have far-reaching effects on the crypto industry, which has for long argued that cryptocurrencies are not securities, but rather are commodities like gold and silver, and therefore should not be regulated by the US SEC.

XRP price history: Fall from No. 2

XRP to USD price chart, all-time performance

Source: CoinMarketCap

As of 1 December 2022, XRP is the seventh-largest cryptocurrency with a market capitalisation of over $20.1bn. 

Until January 2019, the digital payment token was the second-largest cryptocurrency by market capitalisation, ahead of smart contract platform leader Ethereum.

XRP’s all-time high stood at $3.84, reached on 4 January 2018, data from CoinMarketCap showed.

Since then, the token has been on a downward trajectory hurt by the SEC lawsuit. XRP plummeted throughout 2022 and stooped to a 52-week low of $0.2906 on 18 June.

As of 1 December 2022, XRP was trading at $0.40, having lost over 50% in year-to-date terms. 

At the time of writing, the XRP token saw weakness due to a broad-based bearish investor sentiment and on news that popular digital asset wallet Coinbase Wallet was no longer supporting XRP due to “low usage”. 

Ripple price prediction 2030–2050: Is Ripple a good long-term investment?

On 1 December 2022 , technical forecast website Wallet Investor said XRP was a “bad long-term (one-year) investment” and saw XRP tradung at an average price of $0.341 in a year’s time.

Wallet Investor’s ripple long-term price prediction fell short of predicting a ripple price for 2030. Its forecast only went as far as 2027, when it saw XRP at an average price of $0.192 by November 2027. 

Elsewhere, in PricePrediction’s long-term XRP/USD forecast, XRP was seen trading at an average price of $1.31 in 2025. PricePrediction’s XRP price prediction for 2030 saw the token trading at an average price of $7.60 that year.

Meanwhile, DigitalCoinPrice expected the ripple price in 2030 to reach an average of $5.69. The crypto predicton website did not share a ripple price prediction for 2040 or ripple price prediction for 2050.

Finally, in its ripple price prediction for 2030–2050, Telegaon expected XRP to trade at an average price of $25.32 in 2030 and at an average price of $235.13 in 2050.

Please note that attempting to make any ripple price predictions for 2030–2050 is a challenging task due to the many unknowns of the future. Therefore, it is important to note that analysts and experts can be wrong in their ripple price predictions.

Forecasts shouldn’t be used as a substitute for your own research. Always conduct your own due diligence. Remember that your decision to trade or invest should depend on your risk tolerance, expertise in the market, portfolio size, and goals. Keep in mind that past performance is no guarantee of future results, and never trade money that you cannot afford to lose. 

FAQs

How much will ripple be worth in 2030?

PricePrediction’s XRP price prediction for 2030 saw the token trading at an average price of $7.60 that year. Meanwhile, DigitalCoinPrice expected the ripple price in 2030 to average $5.69.

Please note that making ripple price predictions for 2030-2050 is a challenging task due to the many unknowns of the future. Therefore, it is important to note that analysts and experts can be wrong in their ripple price predictions. Forecasts should not be used as a substitute for your own research.

How high can ripple go?

As of 1 December 2022, PricePrediction’s long-term XRP/USD forecast saw XRP trading at an average price of $1.31 in 2025. PricePrediction’s XRP price prediction for 2030 saw the token trading at an average price of $7.60 that year.

Bear in mind that forecasting the ripple price is a challenging task as no one can truly predict the future. Therefore, it is important to note that analysts and experts can be wrong in their ripple price predictions.

In volatile cryptocurrency markets, it is important to do your own research on a coin or token to determine if it is a good fit for your investment portfolio. Whether XRP is a suitable investment for you depends on your risk tolerance and how much you intend to invest, among other factors.

Keep in mind that past performance is no guarantee of future returns, and never invest money that you cannot afford to lose.

Can ripple reach $10?

As of 1 December 2022, crypto prediction sites PricePrediction and DigitalCoinPrice did not expect XRP to hit $10 by 2030.

Bear in mind that forecasting the ripple price is a challenging task as no one can truly predict the future. Therefore, it is important to note that analysts and experts can be wrong in their ripple price predictions. Forecasts should not be used as a substitute for your own research.

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