Although XRP may fall short of the optimistic projections suggested by some analysts, what could its worst-case price scenario be by 2035?
XRP has continued to face bearish pressure alongside the rest of the crypto market. After hitting the $3.66 peak in July 2025, bullish sentiments dominated the scene, with multiple analysts projecting higher targets.
Not All Bullish Targets Play Out
For instance, four months ago, when XRP traded at $3.15, market commentator Mario Nawfal projected that XRP could reach $10 by December 2025, assuming Bitcoin (BTC) hit $225,000. At the same time, Carl Moon took a more bullish view, suggesting XRP could grow tenfold, reaching $30.
However, December has arrived, and XRP has underperformed along with the broader market. Since the $3.66 high, the token has dropped to $2.03, a 44% decline. This shows that while some analysts remain bullish, reaching their projected targets is not a guarantee.
Looking ahead, there is the potential for XRP to grow beyond its current $2.03 price over the next decade, but it may also experience limited expansion in worst-case scenarios. The specific parameters of such scenarios are difficult to predict, so we asked Google Gemini.
XRP Worst Case Scenario Targets for 2035
Responding, Gemini suggested that by 2035, XRP could reach around $8 in a worst-case scenario. This represents roughly 4x the current price, which may seem disappointing for investors hoping for multi-digit figures.
Gemini noted that several factors could hold back growth, including competition from central bank digital currencies (CBDCs) and the SWIFT network, concerns about decentralization, a lack of expanded real-world use, and broader macroeconomic pressures.
Despite these challenges, Gemini expects XRP to grow above $2.03 because of two main drivers. The first is regulatory clarity following the end of the SEC lawsuit. Second, RippleNet could continue gaining adoption in smaller or developing markets.
Gemini suggested that in the $8 scenario, XRP would function effectively as a utility token in certain parts of the financial system but would not become a global monetary asset capable of reaching the multi-trillion-dollar market needed for two- or three-digit prices.
However, analysts at crypto exchange Bitget hold a much less optimistic view. Specifically, they estimated that XRP’s lowest potential price by 2035 could be $3.8, with a maximum potential of $5.55. Interestingly, even their top estimate falls short of Gemini’s $8 worst-case scenario.
On the other hand, Telegaon analysts projected a much stronger outcome. Notably, they expect XRP to hit a maximum of $40.29 by 2035, while also considering a potential minimum price of $35.47 should bearish forces limit its growth.
