Pundit Predicts Bold New Timeline for XRP to Hit $100

A market expert has presented new timelines for XRP and silver to each reach a three-digit valuation.

This year, XRP and silver (XAG) have had contrasting price performances. While XRP has struggled throughout the fourth quarter of the year alongside the rest of the crypto market, silver has followed in gold’s footsteps, up 54% this quarter, with an impressive 149% gain in 2025. 

Despite XRP’s underperformance, which has seen it decline 10.73% this year, most community commentators remain confident in its long-term growth prospects. One such optimistic commentator is Zach Rector, a financial market pundit. 

In a recent disclosure, Rector presented price predictions for silver and XRP, suggesting that both assets, which some XRP proponents have persistently compared against each other, could someday reach the ambitious $100 milestone. 

XRP to $100 by 2030

According to Rector, XRP has the potential to hit $100 by 2030, about five years from now. Notably, this would represent an incredibly tough journey for the crypto asset, which currently changes hands at $1.85, having given up the pivotal $2 support level and recently flipped it to resistance.

From the current price of $1.85, XRP would have to rise by an audacious 5,305% to hit the $100 level. While this looks unattainable in the near future, most investors who advocate for this price often point to XRP’s explosive run during the 2017/2018 cycle. 

Specifically, during this period, XRP spiked from $0.003 to $3.31, representing an over 66,000% increase in less than a year. Notably, the rally from the current price to $100 would mark only a 12th of the 2017 upsurge. 

However, what most of these investors fail to consider is the law of diminishing returns, as XRP’s ability to rally by such high margins has since weakened. This applies to every crypto asset, which saw rapid spikes in prices during its early days. 

In addition, XRP now has a higher market cap, demanding more capital influx for any substantial price increase. Despite this, analysts like Rector remain confident that the $100 price could materialize in the next five years. However, Changelly believes XRP would only reach a maximum price of $16.65 by December 2030.

Silver to $100 by 2026

Meanwhile, Rector suggested that silver may claim the $100 price level next year, 2026. Notably, the precious metal has a better chance of reaching $100 than XRP due to its current position. For context, while XRP has collapsed 35% this quarter, silver has gained an impressive 53%. On a broader scale, silver has risen 148% this year, now trading for $71.6.

At its current price, the precious metal would have to increase by a mere 39% to hit $100 per ounce, which would represent a new all-time high. At the current price of $71.6, silver has a market cap of around $4.027 trillion. If it claims the $100 mark, its valuation will rise to $5.62 trillion. Interestingly, Robert Kiyosaki, author of Rich Dad Poor Dad, believes silver could reach $200 next year.