XRP has slipped below a long-standing psychological support, just a week after Ripple and the U.S. SEC officially ended their nearly five-year legal battle.

Many had expected the lawsuit’s conclusion to trigger an explosive rally. Instead, XRP has struggled to hold above the key $3 psychological level. This has left traders questioning what comes next.

SEC Case Ends, But Momentum Fades

For context, last week, Ripple and the SEC jointly filed to dismiss their appeal and cross-appeal in the Second Circuit, formally closing the case that began in December 2020. The legal development initially pushed XRP as high as $3.38, marking a double-digit rally. However, those gains quickly faded, with XRP retracing below $3 today.

Community Reactions

Taking to X, one XRP enthusiast asked why XRP didn’t skyrocket following the SEC news. In response, crypto commentator Zach Humphries noted that much of the optimism around Ripple’s legal victory had already been priced in earlier, especially after Trump’s re-election boosted expectations for a more crypto-friendly regulatory environment.

Specifically, he pointed out that XRP had already posted a 5x surge in just five weeks following Trump’s return to office.

The sentiment suggests XRP’s price action followed the “buy the rumor, sell the news” pattern, where the final announcement merely meets the expectations of those already positioned for it, leaving little room for surprise. The public already knew Ripple and the SEC were due to update the court on the status of their appeal this month.

As a result, the dismissal of the appeal was widely anticipated and not nearly as impactful as the July 2023 ruling that XRP was not a security—a surprise that sent the price surging 100% in a single day.

“Now We Need More Than Speculation”

Meanwhile, Humphries emphasized that speculation alone won’t drive XRP higher. He believes XRP’s next major move depends on real institutional support, particularly U.S. banks integrating Ripple’s solutions and the company delivering tokenization-as-a-service to financial institutions.

Essentially, XRP’s sluggish performance suggests that legal clarity alone isn’t enough. To reignite momentum, Ripple will need to turn regulatory wins into adoption wins, securing partnerships with major financial institutions.

Notably, the firm has been pursuing this strategy even before the lawsuit’s resolution. However, the impact on XRP’s price remains minimal so far.

Bulls Still See Higher Targets

Despite the muted reaction, analysts remain optimistic. Analyst Dark Defender dismissed skepticism about XRP’s prospects. He called it “naive” to assume the token will linger around $3 without eventually breaking higher.

Other voices, such as Mario Nawfal and Ali Martinez, project targets of $10–$12 if broader crypto markets rally. Patrick Riley and Dustin Layton expect XRP to reach $30–$50 before the end of 2025. Some, like Versan Aljarrah, place long-term price predictions in the thousands of dollars.

Widely followed investor Paul Barron has shared his view on XRP breaking into the double-digit price range someday.

This came during a recent podcast featuring Rupert from Allin Crypto. Rupert highlighted that crypto markets, often driven by human behavior, are entering a critical stage.

While activity in the altcoin space has been slower recently, he suggested that September could mark a turning point with the potential approval of spot ETFs. Rupert noted that historically, ETF approval news and their effectiveness in driving investment have sparked strong price reactions, particularly for Bitcoin.

Meanwhile, he emphasized that Bitcoin’s four-year cycle continues to influence the market, though altcoins are beginning to show independent momentum. As Bitcoin dominance trends downward, Ethereum and other altcoins are gaining strength, gradually leading to the altcoin season.

You’re Not Bullish Enough on XRP

In this context, Rupert highlighted XRP’s unique position, stating that the market is underestimating its potential.

“XRP has a kind of unique positioning with regard to its own specific news. I don’t think people are bullish enough. In fact, I think you’re going to see insane things,” he said.

Building on this bullish outlook, Rupert predicted XRP could reach $19.27 in the near term. Notably, XRP is currently trading at $2.95, and reaching this lofty target would require a growth of 553%. This would also give XRP a a new all-time high valuation of $1.14 trillion.

Rupert believes the value could climb even higher. “Beyond that, how do you value XRP?” he asked Paul Barron.

$60 Could Be Next

Host Paul Barron expanded on that outlook, pointing to larger catalysts that could drive a dramatic move higher for XRP. He suggested that if XRP ever approaches $20, it would signal that something significant has changed.

Specifically, he cited possibilities such as ETFs opening the door for 401(k) allocations or XRP replacing SWIFT in international settlements.

While he dismissed extreme forecasts of $500 or $1,000 per token in the near term, Barron set his own target of $60. He stated that this is where he believes XRP could land within 12 months if the bullish catalysts do unfold.

Notably, XRP has a significant journey ahead to reach $60—or even $20. Its price would need to increase by 1,933% to reach $60, or 578% to hit $20. For context, a $60 XRP would imply a market cap of $3.56 trillion, surpassing Bitcoin’s current valuation.

Interestingly, analyst Dustin Layton has expressed a similar sentiment, albeit with a more aggressive timeline. Layton believes XRP could reach $50 by the end of this year.

Strong Community Momentum

Meanwhile, Barron also shared insights from his Market Sentiment Index (MSI), a tool for tracking investor sentiment across social platforms. He noted that XRP hit an all-time high in MSI during mid-July, coinciding with a major price rally. Another surge in sentiment on August 3 also aligned with upward price action.

For Barron, these data points confirm that XRP’s community plays a powerful role in driving momentum. When sentiment spikes, price moves tend to follow. This supports his view that XRP could be set for significant gains if current trends continue.

Bullish industry commentators are nearly unanimous in the belief that XRP price will be significantly higher in the years to come.

For context, XRP currently trades close to $3. While it’s down 9% over the past week, it remains up 37% in the last eight weeks.

Notably, XRP’s current price reflects more than five times the value it had a year ago. Meanwhile, there’s widespread frustration over its short-term movement. Many investors lament that the coin is “not moving,” especially while other market leaders like Bitcoin and Ethereum are hitting new price milestones.

For example, while Bitcoin peaked above $124,000 last week, XRP’s price barely moved past $3.30. Still, market commentators often urge investors to maintain a long-term view and worry less about short-term fluctuations.

In a tweet, prominent XRP technical analyst Dark Defender even described as naive those who believe XRP will remain stuck at $3 without further improvement.

Amid this sentiment, this article explores XRP’s potential performance over the next ten years, based on industry forecasts, bullish fundamentals, and historical data.

XRP’s 10-Year Price Performance Based on Historical Data

Since the popular view among analysts is that XRP will trade higher in ten years, let’s look back ten years to see how much the price has improved—if at all.

Notably, on August 18, 2015, XRP traded as low as $0.007552. Compared to today’s price of around $3, that’s a massive increase of 39,624%.

To put it in perspective, a $10,000 investment in XRP back then would have secured a bag containing 1.33 million XRP. At today’s value, that would be worth approximately $4 million. At XRP’s recent peak price of $3.66 in July, the value would have reached $4.86 million.

This suggests that a ten-year investment in XRP has been highly rewarding in hindsight. Naturally, this leads some investors to believe that a similar performance could be replicated over the next ten years.

Indeed, many financial stocks have followed similar long-term trends. For example, Apple stock has maintained a consistent uptrend over its 44-year history, with all-time growth relative to current value sitting at 180,340%.

Industry Forecasts

Meanwhile, there have been widespread forecasts about XRP price in the next ten years, from prominent commentators to research papers and AI prediction platforms.

In a viral video, Matthew Brienen, Chief Operating Officer at CryptoCharged, said XRP is highly likely to reach $1,000 within ten years.

Popular crypto investor Armando Pantoja shares this sentiment. He recently stated that he’s willing to wait more than ten years to see XRP trading at $1,000. For perspective, a $10,000 investment in XRP today would be worth over $3.3 million if XRP reaches $1,000 by 2035.

On the other hand, platforms like Changelly and Telegaon, known for their crypto predictions, offer more conservative forecasts. For instance, Changelly predicts XRP’s highest price by 2034 could be $126. Meanwhile, Telegaon suggests $87 as XRP’s highest price by 2035.

Interestingly, an analysis published by The Crypto Basic estimated XRP’s price in 2035 based on consistent monthly growth of just 2%. It suggests XRP could reach $24 by then. Another analysis using a 3% monthly growth model projects a price of $73 by 2035.

Essentially, the most popular outlooks for XRP suggest it could be worth significantly more in ten years than its current price of $3. Several key factors could help sustain its upward trend, including its utility in payments and increasing institutional investments.

Fundamentals Supporting XRP’s Price Over the Next Few Years

For context, more institutions are planning to hold XRP as part of their strategic crypto reserves, with eight firms already disclosing such plans. 

ETFs are also eyeing XRP, with over ten applications currently under review and a decision expected by October. Moreover, Ripple’s lawsuit has concluded, removing legal hurdles that once weighed heavily on XRP’s growth potential.

However, not all projections are optimistic. Bitwise, a billion-dollar asset manager, has warned that XRP’s price could fall to $0.13 by 2030 if the coin fails to deliver on its promise in the payments market.