If XRP maintained a steady 2% monthly growth from now until July 2040, it would be able to cross the $100 psychological mark.
Notably, XRP has rebounded considerably from its recent correction, but its price still hovers around the $3 range. It staged a strong recovery following the latest development in the Ripple vs. SEC case, as both sides filed to withdraw their respective appeals, effectively closing a nearly five-year legal battle.
This month, XRP is now posting a meager 1.43% gain, having reclaimed all it lost earlier in the month. Still, currently trading for $3.36, many analysts and investors believe XRP remains undervalued and should be trading much higher.
The Journey Through a 2% Consistent Monthly Increase
Some market watchers expect it to eventually hit double or even triple-digit prices. With these expectations in mind, we recently examined what would happen if XRP grew by a modest but consistent 2% each month, starting in September 2025 and continuing through July 2040.
Our assessment found that XRP would close out 2025 at $3.64, representing an 8.3% gain. While this is positive, it would be underwhelming for most investors, especially since XRP already reached a yearly high of $3.66 in July.
Notably, in contrast, market analyst Alex Cobb has already forecast a potential surge to $22.54 by December 2025, which massively exceeds the $3.64 outcome under the 2% growth scenario.
However, the beauty of relentless growth comes from its consistency over a longer period of time. Specifically, by December 2026, XRP’s price would rise to $4.61. A year later, in December 2027, it would climb to $5.86. This would represent a 74% increase in just two years.
Meanwhile, by December 2030, the projection places XRP at $12.01, aligning with asset manager Bitwise’s base-case forecast of $12.68 for that year, which assumes an annualized growth rate of 27%. Interestingly, in their more optimistic bull case, Bitwise expects XRP to reach $29.32 by 2030.
XRP Price by July 2040 If It Grows 2% Each Month
Now, if the steady 2% monthly increase continued from the $12.01 level in December 2030, XRP would break the $100 barrier by 2040. In January 2040, it would trade at $101.67, and by July 2040, it would reach $119.81. This marks a 3,465% gain from its August 2025 price of $3.36.
Interestingly, this final price matches forecasts from Telegaon analysts, who put XRP’s minimum price for 2040 at $119.08. Notably, these analysts also expect XRP to hit a maximum price of $160.34 by 2040.
Meanwhile, for long-term holders, the 2% growth would lead to remarkable returns. For instance, an investor who committed $10,000 at today’s price of $3.36 would acquire 2,976 XRP tokens. Holding them until July 2040 at the projected $119.81 price would turn that investment into over $356,000.
However, it’s worth noting that sustaining a 2% monthly increase for 15 straight years is highly improbable. Historically, XRP’s longest streak of consecutive monthly gains lasted just four months, from March to June 2017.
Moreover, XRP also has a reputation for sharp, sporadic price surges, such as those seen in November 2024 and January 2025. This suggests it is unlikely to follow such a smooth growth path over the long term, especially one as meager as 2%.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
