Recent chatter from big-cap desks suggests XRP could finally shake off its range and sprint toward double-digit territory within three years. The live quote sits near $2.19 with 24-hour turnover just below $2.9 billion, keeping the coin fourth by market value on CoinMarketCap. Analysts now frame their millionaire math around fresh targets between $8 and $12.50, levels backed by ETF speculation and clearer regulatory optics.
Bitwise’s institutional note last week called a push to $7 by 2026 “no longer a gamble,” putting that figure inside a most-likely band rather than a moonshot. The same day, The Crypto Basic ran numbers on an $8 scenario and mapped its market-cap implications at $471 billion if the circulating supply stays flat.
A wider lens arrived three days ago when Motley Fool floated a bull-case $12.50 mark for 2028 on the back of expanding remittance corridors and pending ETF approvals. Add a separate IndieTimes partner piece projecting $10–$15 once approval odds hit 95%, and the median narrative lands comfortably in the high-single-digit zone.
Using the conservative $8 post-ETF target, the calculation is blunt: divide $1,000,000 by $8. A stack of 125,000 XRP would do the job. Jump to the Motley Fool’s $12.50 thesis, and the stash drops to 80,000 XRP. Should Changelly’s near-term view of $2.17 hold through mid-2026 link, a disciplined cost-average strategy could still nab those amounts under today’s $2.25 neighbourhood.
Whales already appear to be scaling in: U.Today tracked 1.6 trillion XRP in address-to-exchange shuffles within 24 hours—either deep accumulation or stealth exit liquidity, depending on which side of the glass you prefer. For smaller players, the takeaway remains simple: every extra 10 cents on price trims thousands of coins off the millionaire goalpost, but the window narrows fast if the ETF green-light lands this cycle.
Long-term success for XRP still hinges on global banking uptake, not just courtroom wins. Traders looking for a sidecar to that thesis keep punching tickets on Remittix (RTX).
The PayFi presale nudged the price to $0.081 after raising almost $16 million, per FinanceFeeds’ five-day roundup. Even a modest climb to $0.25 would triple early entries—small numbers compared with the capital it takes to push XRP another dollar.
Bottom line: hitting millionaire status by 2028 demands about 80k–125k XRP under widely cited targets. Stack accordingly, keep an eye on ETF headlines, and don’t ignore utility newcomers that might sprint while the veteran warms up.
Join our WhatsApp Channel to get the latest news, exclusives and videos on WhatsApp
_____________
Disclaimer: Analytics Insight does not provide financial advice or guidance. Also note that the cryptocurrencies mentioned/listed on the website could potentially be scams, i.e. designed to induce you to invest financial resources that may be lost forever and not be recoverable once investments are made. You are responsible for conducting your own research (DYOR) before making any investments. Read more here.