Could 10,000 XRP Make You a Millionaire by 2030?

XRP (CRYPTO: XRP) has outperformed Bitcoin (CRYPTO: BTC) over the last ten years, sparking investor interest in whether XRP could become the next Bitcoin. However, Bitcoin’s market value is approximately 21 times that of XRP, and the two cryptocurrencies serve different purposes.

Currently, XRP is trading at $1.01, down 25.3% over the past month and 72% below its all-time high. It is also trading below its 20-day, 50-day, and 200-day moving averages, which reflect its average closing prices over those periods.

After experiencing a 57.3% drop over the past year, the idea of XRP being “the next Bitcoin” might seem distant. So, what would it take for XRP to become the next Bitcoin?

XRP Is Much Smaller Than Bitcoin but Has Beaten Its Returns Before

When people talk about “the next Bitcoin,” they may mean either matching Bitcoin’s market size or its returns, and XRP has a different answer for each scenario.

By size, XRP has a market value of about $64.4 billion, ranking sixth among cryptocurrencies. In contrast, Bitcoin’s market cap is around $1.38 trillion. Even if XRP were to reach its peak price of $3.65 from July 2025, which is 261% above its current price, achieving this might require more capital than before, especially since there is more XRP in circulation now.

On performance, XRP has outperformed Bitcoin, returning about 12,868% over ten years compared to Bitcoin’s 10,347%. However, the recent trend points the other way. Over the last five years, XRP has fallen 12%, while Bitcoin has gained 14.2%. Over the past year, XRP dropped 57.3%, while Bitcoin fell only 29.8%. Historically, XRP tends to drop more sharply when Bitcoin’s price falls.

Bitcoin Has 21 Million Coins While XRP Has 100 Billion

Bitcoin’s supply is capped at 21 million coins, which would be valued at about $1.4 trillion at current prices. New Bitcoins are generated only through mining, where computers compete to add transactions to the blockchain and earn new coins. Bitcoin operates independently without a company behind it.

On the other hand, XRP has a maximum supply of 100 billion coins, equating to about $101 billion at the current price. All coins were created at launch, and Ripple, the company associated with XRP, still holds a substantial portion. Much of this XRP is locked in escrow and gradually released each month, meaning more XRP enters circulation over time.

This differs from Bitcoin, as XRP buyers deal with a supply shaped by Ripple’s release strategy.

Additionally, the two cryptocurrencies serve different functions. Bitcoin is often viewed as a store of value, akin to digital gold, while XRP is designed to facilitate quick money transfers between banks and payment services as a bridge currency. Our look at what XRP could be worth if it replaced the global payment system shows the growth that use would need.

XRP’s Growth Has to Come From ETFs, Payments and Ledger Upgrades

To increase its value, XRP would need to gain traction through exchange-traded funds (ETFs), boost its payment partnerships, and improve the XRP Ledger with upgrades. By November 11, 2026, spot XRP ETFs had accumulated $1.79 billion in net inflows and held about $1.19 billion in net assets. However, outflows have recently increased, with investors pulling out $10.4 million on November 9 and $7.6 million on November 10.

By comparison, U.S. spot Bitcoin ETFs have amassed about $93.7 billion in net assets, roughly 79 times that of XRP funds. Despite a $299.9 million outflow on November 11, Bitcoin funds have garnered about $55.1 billion overall.

On the payments side, DriveWealth’s CEO said on November 12 that the firm plans to use Ripple’s RLUSD stablecoin, pegged to the U.S. dollar, along with the XRP Ledger for settlement. XRP benefits from this, albeit indirectly, since each transaction incurs a small XRP fee.

The XRP Ledger roadmap also aims to introduce programmability, allowing it to support apps and smart contracts. Upcoming upgrades, including smart escrows and an Ethereum Virtual Machine (EVM) sidechain, are designed to attract developers; however, such advancements typically take time before they reflect positively on the price.

Frequently Asked Questions About XRP and Bitcoin

Can XRP Hit $10?

Reaching $10 is possible, but XRP would need to rise about 890% from its current price and surpass its all-time high of $3.65. Achieving this would likely hinge on consistent ETF demand and continued expansion in payment use.

Can XRP Reach $100?

If XRP were to hit $100, the approximately 63.5 billion coins in circulation would give it a market cap of around $6.35 trillion, over four times Bitcoin’s current market value. We’ve elaborated on the math behind this target in more detail.

How High Can XRP Realistically Go?

In a strong market rally, a return to $2.39 (its price on November 12, 2025) seems feasible. That’s about 137% higher than its current price, and the all-time high of $3.65 would likely represent the ceiling. Either level would likely require positive ETF flows to kickstart growth.

So, Could XRP Become the Next Bitcoin?

When it comes to matching Bitcoin’s size, XRP’s prospects this decade seem slim. However, XRP still has the potential to deliver strong returns from its current low price. For that to happen, XRP needs to stabilize and show growth on multiple fronts.

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