XRP Price Prediction After SEC Case Ends: Can It Hit $20?

XRP price projections are gaining serious momentum now that Ripple has concluded its long-standing legal battle with the U.S. Securities and Exchange Commission (SEC). With this chapter closed, the conversation across the crypto landscape has shifted to what could be next for XRP—especially its future valuation.

The breakthrough news came after Ripple and the SEC jointly filed to drop their appeals, effectively ending the case that has dragged on for nearly five years. As reported in the official documents, Ripple’s Chief Legal Officer confirmed the company will now refocus on scaling its operations globally.

Following this legal resolution, XRP experienced a significant uptick, climbing more than 12% in just 24 hours and settling near $3.35. Although still below its record high of $3.84, the renewed optimism has sparked a fresh wave of discussions: can XRP reach new milestones of $5, $10, or even $20?

Is $5 in Sight for XRP?

According to artificial intelligence platforms like OpenAI’s ChatGPT and xAI’s Grok, a $5 XRP is not only plausible but fairly attainable within the next year or two. These forecasts are consistent with prior estimates from crypto analyst Aaron Arnold, as noted in earlier reports.

The AI models highlight several drivers that could help push XRP past the $4 mark:

• Renewed liquidity and investor inflow
• Growing institutional interest in altcoins
• An altcoin market cycle weakening Bitcoin’s dominance

Indeed, Bitcoin’s market dominance has dipped by 6.55% recently, which helps explain XRP’s relative performance surge compared to the leading cryptocurrency. A breakout beyond XRP’s previous high could ignite wider market enthusiasm and enhance bullish sentiment.

Climbing Toward $10: What It Would Take

For XRP to hit $10, its market capitalization would need to reach around $600 billion—about triple where it stands today. Both AI platforms emphasized that this scenario would rely heavily on mainstream adoption of Ripple’s blockchain-based payment solutions.

Adding credence to this path, Ripple recently announced a $200 million acquisition of Rail, securing 10% of the global stablecoin payment stream. This strategic move follows Ripple’s notable partnership with BNY Mellon to provide custody for its RLUSD stablecoin—a development that enhances Ripple’s institutional credibility and bridges traditional finance with decentralized systems.

Another catalyst discussed by AI models is the future of XRP-focused ETFs. While currently under regulatory review, such instruments would channel fresh capital into the ecosystem, mirroring Ethereum’s $5 billion ETF inflows in a single month. Momentum from global partnerships, including SBI Japan—where XRP is already integrated into financial operations—could further turbocharge upward price movements.

Given these dynamics, projections place XRP potentially reaching $10 between 2028 and 2030. Accelerated timelines remain possible if an altcoin supercycle is triggered by institutional demand.

Could XRP Go as High as $20?

A $20 XRP would catapult its market capitalization past $1.2 trillion, elevating it among the world’s most valuable digital assets. This scenario, while ambitious, isn’t entirely off the radar.

AI models suggest that such a moonshot would hinge on Ripple’s payment technology achieving widespread usage for cross-border settlements, possibly rivaling incumbent networks like SWIFT. Supporting this, Ripple CEO Brad Garlinghouse has previously stated that the XRP Ledger could handle up to 14% of SWIFT’s global volume in the next five years.

Additionally, the AI models emphasized the transformational potential of mass tokenization on the XRP Ledger, especially if it captures a significant share of the projected $50 trillion tokenized assets market by 2030. Unbroken bullish market trends and favorable global regulations would also be essential for realizing this milestone.

Forecast Probabilities for Key Valuations

While a $20 target feels aspirational, Grok estimates just a 20–30% probability of achieving it by the year 2030. On the other hand, the path to a $5 XRP seems far more viable, with projections ranging from 70–80%. A $10 target receives a moderate 40–50% likelihood, particularly if Ripple secures widespread institutional adoption.

Related: XRP Price: $12M Max Pain for Bears

Now that legal uncertainties have cleared, XRP faces a market that is watching closely for signals of accelerated growth. As institutional partnerships mature and regulatory clarity increases, investors will be keen to see if this altcoin can finally fulfill its high expectations.