Prediction: What Could XRP Be Worth by 2035?

Many XRP (CRYPTO:XRP) holders hope the coin could hit $100 by 2035. However, any XRP price prediction for 2035 starts from a coin trading just above $1 on November 11, 2026. XRP has fallen 19% over the past week and 21.2% in the last month, and it trades 71% below its all-time high from July 2025.

With XRP this close to $1, long-term investors see nine years as plenty of time for a rebound, and many still ask whether XRP can reach $100. So what might XRP’s price look like by 2035, and how realistic is the $100 target?

XRP at $100 Would Be Worth More Than Four Times Bitcoin

XRP has a market value of $67.1 billion, making it the sixth-largest cryptocurrency, with about 63.5 billion coins in circulation. Market value, or market cap, is the price times the coins in circulation, so every price target implies a dollar size for the entire network.

If XRP reaches $100, its market cap would soar to about $6.35 trillion, more than four times Bitcoin’s $1.49 trillion (CRYPTO:BTC). To return to its peak of $3.65, XRP would need a 245% increase, bringing its market value to $231.8 billion, close to Ethereum’s $254.5 billion (CRYPTO:ETH).

The path to $100 gets harder over time. XRP’s total supply is close to 100 billion coins, so if all of them circulate by 2035, a $100 price would mean a market cap of around $10 trillion, roughly 6.7 times Bitcoin’s present market cap.

Ledger Use, Ripple’s Selling and ETF Demand Could Set XRP’s 2035 Range

The XRP Ledger Still Needs Banks to Settle in XRP

The XRP Ledger is the blockchain XRP runs on, but its value to holders depends on whether payments and tokenized assets on it create demand for the coin. Developers also plan upgrades—such as quantum-proof accounts in the XRP Ledger Foundation’s 2027 plan, which Ripple is targeting for 2028—but validators still have to approve them, and the specification is still a draft.

Ripple’s newer products primarily run on dollars and RLUSD, its dollar-backed stablecoin. To date, Ripple has not confirmed any banks using XRP for payments, and XRP’s price barely shifted when a U.S. bank announced support for RLUSD in October. Meanwhile, banks are building their own tokenized deposits, a topic discussed at a recent Ripple conference.

Regulation has moved XRP before, as in November 2024, when XRP surged from 49 cents to nearly $2 after the U.S. election raised hopes for friendlier crypto rules. However, when the OCC (the federal regulator for national banks) granted final approval for Ripple National Trust Bank in late October, XRP kept falling.

Ripple Holds About 30.4 Billion XRP, and No Longer Reports Its Sales

On November 1, Ripple held approximately 30.4 billion XRP (about $32 billion) in escrow, a set of time-locked contracts that release 1 billion coins monthly. Generally, Ripple re-locks most of the released coins, and our analysis found that across 58 release weeks, XRP rose 1.4% on average, similar to its moves during regular weeks.

However, Ripple stopped disclosing its quarterly XRP sales in May 2025, leaving investors in the dark about how many coins it sells. Separately, David Schwartz, a key architect of the XRP Ledger, wrote on X on November 9 that he had sold nearly all of the digital assets he had ever held. If Ripple sells more from its escrow reserve, that selling could cap price rallies through 2035.

Spot XRP ETFs Drew $1.79 Billion, but Outflows Have Started

Spot XRP ETFs, including the Bitwise XRP ETF (NYSEARCA:XRP), hold XRP directly. As of November 10, these ETFs had attracted $1.79 billion in cumulative net inflows, according to SoSoValue, and held about $1.19 billion in net assets.

However, investors have begun pulling money out, with outflows of $10.4 million on November 9 and $7.6 million on November 10, the two biggest in a month. Our look at the recent ETF outflows tracks how much has left since XRP started falling.

Long-Term XRP Price Questions Holders Keep Asking

Can XRP Reach $100?

XRP would need a market value of $6.35 trillion to reach $100, over four times Bitcoin’s current market cap. This seems unlikely by 2035.

What Will One XRP Be Worth in Ten Years?

XRP trades 11.5% lower than it did five years ago, even though it set an all-time high in July 2025. A decade can bring big swings and still produce little overall growth.

Is XRP a Good Long-Term Investment?

XRP has fallen 55.8% in a year. Its long-term potential depends on whether ledger growth creates demand for the coin. Our 2040 forecast looks at these factors over a longer timeline.

What Could XRP Be Worth by 2035?

In our view, XRP is very unlikely to reach $100 by 2035. A more realistic range runs from its current price to its previous high of $3.65. That range is broad because XRP has swung between 11 cents and nearly $4 in just under a decade.

To return to its all-time high, XRP needs to hold above $1 and rise above both its 50-day and 200-day moving averages. Cumulative ETF inflows must also exceed their October 29 peak of $1.81 billion, and Ripple’s escrow balance would need to stay close to 30.4 billion XRP. However, if XRP closes below $1 while ETF outflows continue, it could revisit its August low of 99 cents.

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