XRP Could Reach $30 with 8% of U.S. M2 Supply

XRP, a prominent cryptocurrency, could skyrocket to nearly $30 if its market cap were to represent just 8% of the current U.S. M2 money supply. This projection has gained momentum among analysts and the XRP community amid signs of renewed strength in the asset.

The digital currency recently rebounded to $2.24, following a temporary drop to retest the $2 level. While this recovery indicates bullish momentum, XRP still struggles to break past the significant $3 threshold—a resistance level it’s battled since February 2025.

Despite enduring a bearish trend for five consecutive months, XRP has maintained its strength above $2. This consistency is being interpreted by market watchers as a positive indicator. Many foresee the $2 range serving as a solid foundation for XRP, offering the potential for a significant surge when market sentiment improves.

Money Supply Expansion and Crypto Potential

A notable factor currently influencing financial markets is the growth of the U.S. M2 money supply. This metric includes physical currency, demand deposits, savings accounts, small time deposits, and retail money market funds. Since December 2023, the M2 supply has steadily increased, now totaling $21.86 trillion—a 5.3% rise amounting to over $1 trillion.

Historically, a rising M2 supply has meant added liquidity in the financial system. As access to capital loosens and interest rates remain low, many investors shift funds into higher-risk assets like cryptocurrencies in pursuit of better returns. This increased availability of money helps fuel demand and, in turn, can drive digital asset values higher.

However, such momentum can also be fragile. If inflation rises rapidly, the Federal Reserve might respond defensively by hiking interest rates or implementing restrictive policies. These moves can curb excess liquidity, deflate investor enthusiasm for risk assets, and quickly impact market behavior. So, although liquidity supports potential growth for XRP, outcomes hinge heavily on investor sentiment and central bank decisions.

XRP’s Market Cap and the $30 Projection

Fueling the current excitement is a hypothetical scenario posed by XRP supporters: what if XRP’s market cap captured 8% of the U.S. M2 money supply? With the M2 figure now at $21.86 trillion, 8% represents roughly $1.748 trillion. Reaching such a milestone would place XRP’s market cap ahead of Ethereum’s current value but still behind Bitcoin’s $2.1 trillion capitalization.

Considering XRP’s current circulating supply of about 58.82 billion tokens, achieving a $1.748 trillion market cap would necessitate a price of around $29.73 per token. Such a level would bring XRP within touching distance of $30—a psychological and strategic target that many analysts have highlighted.

Among them, respected crypto influencer Crypto Bulls predicted last month that XRP is set to hit at least $30 during this market cycle. Similarly, analyst Steph, back in March, firmly stated that XRP had already seen its cyclical bottom. She pointed out evidence supporting a strong rebound and suggested that a march toward $30 could come next.

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

While projections like these should be taken with a degree of caution, they illustrate the level of optimism surrounding XRP’s future—especially in a liquidity-rich environment. If macroeconomic factors remain supportive and investor appetite continues to build, such ambitious targets may transition from speculative to realistic.