XRP Investment: What 5,000 XRP Could Be Worth by 2035

XRP continues to capture the attention of crypto traders and long-term investors, with many experts still viewing it as one of the most promising digital assets for future growth. Despite its relatively modest performance today, belief in XRP’s long-term value remains strong.

Currently trading at $2.16, XRP has shown a remarkable 351% increase over the past year. For those looking to stake a sizable claim, acquiring 5,000 XRP would require an investment of about $11,000 at today’s value. This figure underlines the growing scarcity among retail investors who can afford such holdings—and how quickly the landscape has changed.

For context, only 541,166 wallets out of more than 6.5 million XRP-holding addresses contain between 1,000 and 5,000 XRP. The vast majority—over 5.3 million wallets—hold less than 500 XRP. Data like this paints a clear picture: holding 5,000 XRP is now considered a lofty milestone for most investors. According to Edoard Farina of Alpha Lions Academy, rising acquisition costs are keeping most investors below this threshold.

This wasn’t always the case. In November 2024, XRP hovered around $0.49, meaning a 5,000 XRP purchase would have cost just $2,450. Fast forward to today, and that same amount now requires more than four times the investment, reflecting a steep 340% increase in just seven months.

This dramatic growth has led many experts to argue that XRP remains undervalued at its current price point. Investors like John Squire, a well-known crypto analyst, have emphasized that skipping XRP at $2 could be a regrettable decision in the near future.

Potential 2035 Value of 5,000 XRP

Looking ahead to 2035, it becomes a tantalizing exercise to imagine how much 5,000 XRP might be worth. Several reputable forecasting sources provide some insight into plausible future valuations based on current momentum and industry sentiment.

Changelly predicts a minimum XRP price of $54.48 by early 2034, with expectations rising to a maximum of $89.64 by year-end. Interestingly, Telegaon echoes similar projections through 2035, reinforcing confidence in this bullish trajectory.

So what does this mean for today’s investors? At $54.48 per XRP, a 5,000-unit holding could be valued at more than $272,400. In the most optimistic scenario—$89.64 per coin—this portfolio could swell to approximately $448,200. That’s a potential profit of over 4,050% on the original $11,000 investment.

These forecasts have fueled enthusiasm among the XRP community, especially among those who believe in Ripple’s continued role in transforming cross-border payments and the broader financial ecosystem.

Considering the Bearish Outlook

While bullish sentiment dominates, there are a few counterpoints to keep in mind. Asset management firm Bitwise offers a more cautious view. In one of their outlooks, they predict a potential XRP dip to as low as $0.13 by 2030. Under that scenario, your 5,000 XRP investment would nosedive to only $650.

However, even Bitwise includes a contrasting scenario in their projections—a bullish case in which XRP hits $30 within the same timeframe. While not as aggressive as other forecasts, it still implies a closing value of $150,000 for a 5,000 XRP holding.

Importantly, these different scenarios underline the volatile nature of crypto investments. Market dynamics, regulations, and technological advancements can significantly influence the realized outcomes.

Nevertheless, the current market activity and historical performance suggest that XRP remains a strategic long-term asset for investors willing to endure volatility and remain committed to the vision backing Ripple’s technology.

Related: Expert Advice: Sell XRP If You’re Confused

At the end of the day, owning 5,000 XRP in 2025 might position you among a relatively small circle of crypto holders potentially primed for extraordinary gains by 2035—if the bullish outlook pans out.