If an investor had committed $100 a week into XRP over the past decade, could they have enough now for an early retirement?

While some market participants are in the crypto scene for the fun of it or as part of a larger investment portfolio, others enter the space because they find the conventional work lifestyle too tedious to endure. As a result, they expect their investments in cryptocurrency to catalyze a journey toward early retirement.

Of course, such a goal would require both research and luck, as an investor could spend over a decade on a utility-based asset and not make substantial gains, but another might commit a few pennies in a meme coin and walk off with a life-changing ROI.

What if You Committed $100 Every Week into XRP Since May 2015?

Despite the large gains meme coins could yield for an investor, they also pose a similar level of risk. This is one reason why most investors opt to stick with utility-based tokens, such as Ethereum and XRP. However, we recently assessed how profitable a utility asset like XRP could have been if a market participant had DCA’d weekly into it over the past decade.

Notably, a report from 2019 showed that Americans spend about $1,497 on non-essentials like coffee, drinks, paid apps, and subscription boxes every month. This figure translates to around $374.25 a week. What if an investor had chosen to substitute one of these non-essential items with XRP every week since 2015?

We leveraged Uphold’s Dollar Cost Averaging (DCA) calculator to evaluate the financial impact over the past decade, and the results were mind-blowing. For the uninitiated, Dollar Cost Averaging is a method of investing where you put in the same amount of money regularly, no matter what the market price is.

A Possible Retirement Solution

Data from Uphold’s DCA calculator shows that if you had committed $100 into XRP from May 2015 to June 2025, you would have invested a total of $53,600 within this period. However, the value of your portfolio today would be worth $3,588,980, representing an ROI of about 6,595% over a decade.

However, is this enough for retirement today? This would depend on factors such as the individual’s age, spending habits, and location. Specifically, an April 2025 survey found that most Americans aged 18 and above believe they could retire with $1.26 million. 

Interestingly, the $3.588 million returns from DCA’ing into XRP over the past decade are nearly three times the $1.26 million retirement goal. This indicates that an investor would have set themselves up for retirement if they committed $100 into XRP as a non-essential item since 2015. 

While many would believe they have missed the boat, some analysts suggest otherwise. Notably, several market commentators insist that XRP is still largely undervalued. 

As a result, they expect rapid price surges from the current level. If an investor begins a similar DCA scheme today and these projections materialize, they could see massive gains. However, it is important to note that past performance does not guarantee similar results in the future.

Expert predictions suggest XRP price could eventually reach double digits, as many suggest the imminent end to the SEC lawsuit could drive adoption.

The SEC’s 4-year lawsuit against Ripple is finally nearing its conclusion. Specifically, Ripple has already agreed to drop its cross-appeal, and signs point to the SEC doing the same soon. 

SEC Case to End Soon

Notably, a closed-door SEC meeting scheduled for July 3 has triggered expectations that the case could officially wrap up then. While the lawsuit no longer directly involves XRP, since a 2023 ruling confirmed that XRP isn’t a security, many still believe that ending the case for good could lift the last cloud of uncertainty hanging over XRP.

Although XRP got legal clarity two years ago, some U.S. institutions have remained cautious. Financial analysts and XRP proponents argue that a clean end to the case could finally unlock real momentum for XRP adoption. 

Nasdaq analyst Trevor Jennewine made this point back in March 2025, when he suggested that a final ruling could encourage institutions to embrace XRP more openly. There’s even talk that BlackRock could be waiting for this moment before filing for an XRP ETF. However, this remains speculative.

Ripple’s move to settle the case by accepting the original $125 million penalty and dropping its cross-appeal indicates that it wants to close this chapter and focus on growth. 

XRP Price A Year After the SEC Lawsuit Ends

While the SEC hasn’t confirmed it will drop its own appeal, industry watchers expect that to happen soon. If it does, XRP could benefit from a clearer path forward, especially in the U.S., where regulatory uncertainty has held back broader adoption.

To explore how this could affect XRP’s value, we asked ChatGPT for its bullish price prediction one year after a final resolution, assuming the outcome drives strong institutional interest. At the time, XRP traded at $2.21.

ChatGPT suggested that if institutions like banks and payment firms begin using Ripple Payments and XRP for cross-border payments, then XRP could see a serious price boost. The chatbot predicted that XRP might reach between $8 and $15 within twelve months under those conditions.

Notably, ChatGPT explained that legal certainty would do more than just boost investor confidence. According to the chatbot, it could lead to real-world use of XRP. Interestingly, this could increase demand as financial firms begin using it for settlements. 

In turn, that demand could push up the price. ChatGPT also pointed out that this wouldn’t just be a hype-driven rally. Instead, the price increase would likely reflect a mix of growing utility and serious investment.

The chatbot added that XRP already came close to $3 during earlier bull markets in 2017 and 2021, even without institutional adoption or legal clarity. With those pieces now falling into place, a price two to five times higher doesn’t seem out of reach. 

XRP bulls are taking cues for the next big move from recent posts by Ripple CEO Brad Garlinghouse.

The timing of these posts has only intensified speculation, especially given their historical precedent.

First XRP Pump Signal That Led to a 580% Surge

One post fueling speculation of a price surge for XRP was Garlinghouse’s announcement that the company is dropping its cross-appeal in the SEC case.

This signals an end to the five-year legal saga that has clouded XRP’s price and could lead to another upsurge. At the time of the announcement last week, XRP was around $2, and not much has changed since then.

However, market watchers are convinced a bullish wave is on the horizon. Their conviction comes from what preceded XRP’s price pump in November 2024.

At that time, Garlinghouse contributed to a powerful XRP rally by revealing a wave of institutional interest in XRP-based products through his tweet. That announcement confirmed filings for XRP ETFs by Grayscale, Bitwise, Canary Funds, and 21Shares.

“Institutional interest in XRP products is stronger than ever,” Garlinghouse said at the time. This development added fuel to the upsurge that saw XRP rise from $0.50 to above $2 in just weeks, as investor sentiment improved.

The momentum continued, and XRP went on to surpass $3 for the first time in seven years in January 2025. During this period, XRP soared by over 580%.

Given that Garlinghouse’s announcement contributed to this surge, XRP bulls believe the latest updates will have a similar effect.

“Ripple CEO Did It Once, He’s Doing It Again”

Specifically, XFinanceBull, a well-known analyst on X, sees the same setup unfolding once again. He pointed out how Garlinghouse’s moves helped launch XRP into a new range before and believes this latest message could do it again.

Garlinghouse’s latest post described this moment as a closing chapter for Ripple, marking the end of legal distractions and a new focus on building the Internet of Value.

With XRP trading at $2.20 at press time, a repeat of history, with another 580% surge, could see XRP reach approximately $15.

Could XRP Even Do 10X?

Meanwhile, another post from Garlinghouse has sparked even more speculation. After the cross-appeal news, XRP supporters resurfaced an image of his XRP tattoo, to which a community member suggested it symbolized his long-term belief in XRP. Ripple’s CEO then amplified the buzz by replying “1,000%” to the post.

Many, including influencer Alex Cobb, interpreted this response as a bold signal that XRP could surge by 1,000%. However, this remains speculative.

If XRP were to climb 1,000% from its current price, it would reach nearly $24 per coin. At that level, XRP’s market cap would hit approximately $1.4 trillion. Interestingly, it would eclipse the market values of companies like Tesla and Berkshire Hathaway.