What Could $1,000 in XRP, Stellar and Hedera Be Worth by 2030?
Ripple just landed a federal trust bank charter while XLM and HBAR keep sliding, and the gap between where these three payment coins trade today versus their all-time highs tells a complicated story about which one deserves your next $1,000.
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Investing $1,000 in XRP (CRYPTO:XRP) could potentially grow to about $2,765 by 2030 if the coin regains its record price. However, it could also drop to around $750 if it revisits its one-year low.
XRP is priced at $1.32, a 2.3% increase in the last 24 hours after Ripple received final U.S. approval for its national trust bank. Despite the rise, XRP remains 63.8% below its July 17, 2025 peak of $ 3.65 and has lost 13.0% over the past month.
Stellar (CRYPTO:XLM) and Hedera (CRYPTO:HBAR) have fallen even more. XLM is trading at $0.17 after a 21.3% drop in the last month, while HBAR is near $0.076, down 20.4%.
All three cryptocurrencies are designed for payments and tokenization, meaning they help digitize assets like fund shares using blockchain technology. Below, we’ll explore the potential future value of a $1,000 investment in each coin based on past price highs.
How Much XRP, XLM and HBAR $1,000 Buys
At current prices, $1,000 can buy approximately:
- 758 XRP
- 5,879 XLM
- 13,148 HBAR
The following scenarios show what these investments could be worth based on past price performance: at their one-year lows, one-year highs, and all-time highs.
| Coin | Bear Scenario (One-Year Low) | Recovery Scenario (One-Year High) | Record Scenario (All-Time High) |
|---|---|---|---|
| XRP | $750 ($0.99) | $1,992 ($2.63) | $2,765 ($3.65) |
| XLM | $843 ($0.14) | $1,897 ($0.32) | $5,148 ($0.88) |
| HBAR | $850 ($0.065) | $2,644 ($0.20) | $7,484 ($0.57) |
XRP Needs a $231.7 Billion Market Cap to Regain $3.65
For XRP to return to its record price of $3.65, it would require a market cap of about $231.7 billion, based on its current circulation. XRP has a market cap of $83.8 billion, making it the fifth-largest cryptocurrency.
At $3.65, with the same number of coins in circulation, it would represent 8.5% of the total crypto market, valued at about $2.72 trillion. That would bring XRP closer to Ethereum (CRYPTO:ETH), which holds about 10.5% of the market, with a market cap of $286.5 billion.
Stellar holds the 20th position with a $5.98 billion market cap and would need about $30.8 billion to reach its all-time high. Meanwhile, Hedera ranks 32nd with a $3.37 billion market cap and would require around $25.2 billion to hit its peak.
These figures assume the coin supply remains stable, which rarely happens. The number of coins in circulation typically increases as locked tokens are released. Hedera’s governing council manages a treasury from a capped total supply of 50 billion HBAR. So achieving the same record price in 2030 might demand a larger market cap than previously mentioned.
Ripple Won Its Trust Bank Charter, but XLM and HBAR Kept Falling
Ripple received final approval for its trust bank today, following conditional approval from the Office of the Comptroller of the Currency (OCC) in December 2025. This approval allows Ripple to operate its U.S.-dollar-pegged RLUSD stablecoin and provide custody services for companies under federal oversight.
BNY (NYSE:BK) also announced custody support for XRP and RLUSD on the same day. However, XRP’s 2.3% gain after the news suggests traders are waiting for actual usage figures before pushing the price higher.
In contrast, JQQQ, the first licensed tokenized Nasdaq-100 fund launched on Stellar, is not available to U.S. investors. XLM has fallen 25.0% since October 1 and hit a 30-day low around $0.168 on October 25.
Hedera operates with a council comprising up to 39 organizations, with 31 members as of 2025 from sectors like tech, finance, telecom, and energy. While these members operate nodes to validate transactions, HBAR has struggled, with a 79.5% decline over the past five years and a price that remains 86.6% below its record high of $0.57, set on September 15, 2021.
Is $1,000 in XRP a Better Investment Than Stellar or Hedera for 2030?
Overall, XRP seems to have the strongest potential by 2030, especially with its federally approved trust bank and BNY’s backing for custody services. If XRP recovered to its one-year high of $2.63, a $1,000 investment would grow to about $1,992. XRP’s all-time high of $3.65 seems less likely to return. Both Stellar and Hedera show larger paper gains, though their prices have faltered after positive catalysts.
For XRP to recover, it must first surpass its 50-day average of $1.40 and its 30-day high of $1.52—15.2% above its current price—before aiming for $2.63 and then $3.65. If the bank charter fails to increase transaction volumes and XRP drops below its one-year low of $0.99 from August 16, a $1,000 investment could decline to about $750. A sustainable close above $1.52 would signal that a recovery scenario remains possible.
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Sam Daodu is a crypto analyst and the editor of 24/7 Wall St.'s Crypto Desk, where he covers Bitcoin, XRP, Ethereum, Solana and the altcoins investors search for most. His work focuses on price levels, spot ETF flows, on-chain data and the regulatory decisions that move crypto markets, written so a first-time buyer and a seasoned trader can both use it.
Sam has written about crypto professionally since 2019 and has published more than 2,000 articles. Before joining 24/7 Wall St., he wrote for crypto media outlets and Web3 companies and ghostwrote for crypto founders and token launches. His analysis is syndicated on Yahoo Finance, MSN and AOL and has been cited by other crypto news sites. He also founded MacLabs Marketing, a content and personal branding agency for crypto founders and executives.
When he isn't reading charts, Sam is usually at the gym or watching One Piece, a series he maintains has better tokenomics than most altcoins.
