XRP Forecast: Where Ripple May Be by 2035

XRP continues to attract investor attention as analysts and AI-driven models offer bold forecasts about its potential by 2035. With growing institutional adoption and evolving regulatory clarity, the future for Ripple’s native token looks increasingly promising.

In recent months, XRP has experienced a significant resurgence. Since the beginning of 2024, the token has surged over 253%, with most of that momentum occurring between November 2024 and January 2025. As of now, XRP trades at $2.40, showing a steady 15% growth in 2025 alone. The current market capitalization is around $140 billion, giving XRP a 4.28% share of the total crypto market.

A major sentiment booster for XRP has been the nearing resolution of its long-running legal dispute with the U.S. Securities and Exchange Commission (SEC). Following years of tension, both Ripple and the SEC have agreed to settle and drop appeals, creating a favorable outlook for Ripple’s operations and its XRP token.

Grok AI’s Insights on XRP’s Future

Grok AI laid out three distinct trajectories for XRP by 2035, depending on market dynamics and Ripple’s ability to expand. Key variables include XRP’s current market cap, Ripple’s financial sector partnerships, and the anticipated full distribution of the token’s 100 billion supply.

In a bearish scenario, where total market capitalization for crypto grows modestly to $5 trillion and XRP’s dominance dips to between 2% and 3%, Grok projects XRP trading between $6.60 and $8.37. This forecast assumes tough competition from stablecoins and payment solutions such as Stellar.

The base-case scenario assumes moderate market growth to $10–12 trillion with XRP maintaining a 4–5% market share. Under such conditions, Grok estimates prices ranging from $17.76 to $20.44. This outlook is built on continued adoption of Ripple Payments, the stablecoin RLUSD, and regulatory advances such as the introduction of XRP-based ETFs.

In its most bullish case, Grok forecasts XRP surging to between $45 and $60. This projection is underpinned by anticipated global crypto market capitalization reaching $20–25 trillion, XRP achieving an 8% market share, and robust integration into central bank digital currencies (CBDCs), decentralized finance ecosystems, and tokenized asset infrastructures.

ChatGPT’s Take on XRP’s 2035 Price Path

ChatGPT delivered slightly more conservative, yet still optimistic, figures for XRP’s future performance by outlining three scenarios as well.

In a bearish market, where restrictive regulation and overall stagnation suppress growth, XRP could be limited to a range between $3 and $5. This outcome reflects a cautious adoption climate and subdued investor interest.

In a middle-road or base scenario, ChatGPT envisions XRP possibly reaching $10–$15. This assumes steady growth in the broader market, continued rollout of Ripple’s payment infrastructure, and stronger penetration in both retail and institutional investor portfolios.

The bullish case sees XRP climbing to levels between $25 and $50. This assumes widespread adoption by financial institutions and central banks, powered by features such as smart contract integration and large-scale tokenization capabilities on the XRP Ledger, as detailed in Ripple’s official announcement.

Telegaon’s Bold Predictions

Taking an even more aggressive view, analysts at Telegaon propose a sharply higher trajectory for XRP by 2035. They estimate the token could reach a minimum of $69.37, maintain an average value around $78.16, and potentially peak as high as $87.49. While these figures stand out as the most optimistic, they highlight the faith some analysts place in Ripple’s ability to revolutionize cross-border finance globally.

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

Overall, XRP’s journey over the next decade hinges on how well Ripple can navigate changing regulation, leverage blockchain innovation, and deepen ties with banks and payment processors around the globe. Whether investors look at conservative or bullish scenarios, it’s clear that XRP remains positioned as a key contender in the evolving landscape of digital finance.