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XRP price could surge from $2.90 to $20 by 2029, driven by Ripple’s expanding global partnerships.
Legal clarity after the SEC case boosts institutional confidence and ETF potential.
Growing crypto adoption and real-world utility position XRP for long-term market dominance.
XRP is once again gaining attention as one of the most promising digital assets for long-term growth. With legal clarity now achieved and strong institutional interest building, analysts believe XRP could reach new price highs by 2029. Ripple’s focus on real-world utility, particularly in cross-border payments and tokenized asset markets, has positioned the token for renewed strength in the years to come.
XRP is hovering near $2.90 at the time of press. Higher trading volumes and renewed interest by both retail and institutional investors have supported the consistent upward momentum of the token in the last few months.
The most important development for XRP in recent years has been the conclusion of the long-running legal case between XRP and the U.S. Securities and Exchange Commission. A case that had been in and out of court since 2020 finally came to an end in 2025 with a series of court judgments and settlements. The judgment clarified that XRP will not be considered a security if traded on a public exchange; however, some forms of institutional sales of XRP remain subject to securities regulations.
This legal clarity has brought much-needed confidence to the market. Uncertainty over the case in recent years had drastically restricted access for XRP to major U.S. exchanges and lowered institutional participation. That barrier lifted, XRP is once more being listed on large trading platforms, giving it wider visibility and liquidity.
Also Read: What Happens If XRP Decouples from Bitcoin? Expert Explains
All this time, while going through its legal turbulence, Ripple Labs has not slowed down. The firm has continued to build partnerships with financial institutions and expand its product suite. Its technology lets banks and payment providers settle international transactions quickly at low cost using the XRP Ledger.
Among the main developments from Ripple in 2025 are Ripple Custody, aimed at secure institutional digital asset storage, and several announcements of partnerships centered around tokenization, a growing use case representing physical assets, such as real estate or commodities, on the blockchain. These developments are designed to increase the real-world use of XRP and encourage adoption beyond speculative trading.
Its annual conference, "Swell," even created a stir in the year 2025 by highlighting several upcoming partnerships with banks and payment firms. Ripple showed its vision of long-term change in cross-border settlement using blockchain technology.
Since the case with the SEC has been closed, most US and international exchanges are likely to relist XRP. Its increased availability would make it far easier for both institutions and small retail investors to purchase and trade the token. Demand may spike accordingly when major exchanges and funds reintroduce XRP into their portfolios.
The partnerships that Ripple has already established with financial institutions do show promise. If banks and major payment companies begin using the XRP Ledger for international transfers, demand could increase significantly for XRP as a "bridge currency." Custody and liquidity services from Ripple also make it easier for large firms to implement blockchain settlement.
In most cases, when major cryptocurrencies like Bitcoin and Ethereum enter their bull cycles, other established tokens follow suit. In this case, if the global crypto market expands between 2025 and 2029, XRP could benefit from a wave of capital into the space.
While it is impossible to predict the exact price, analysts have outlined different scenarios of how XRP will perform up to 2029.
Bull case: XRP can surge several-fold higher from the current price under such conditions. It is quite plausible to estimate $15 to $20 by 2029. In an even more aggressive bullish scenario, XRP could potentially rise to $25-$30 or higher.
Base case: XRP might grow steadily, for instance, to $7 to $10 by 2029. This reflects growth of roughly 2–3× over today, but not a dramatic breakout.
Bear case: If regulatory headwinds return, adoption is slow, or the broader market stagnates, growth may stall. XRP could only reach a price of $4 to $5, or potentially remain range-bound near current levels, perhaps in the $3–$6 region by 2029.
Several forthcoming developments could determine the asset's course for the next couple of years or so. There's hope that investment products such as XRP ETFs will boost institutional investor access to XRP. Ripple's success in convincing large banks and payment companies to use XRPL for settlement and to transfer tokenized assets remains key.
The global trend of Central Bank Digital Currencies may contribute to XRP indirectly, as many of them will be in need of interoperable systems for cross-border payments, and Ripple's technology might be used or implemented for interlinking different digital currencies.
It's also worth keeping an eye on Ripple's quarterly reports regarding token sales and escrow releases. These give insight into the circulating supply of XRP and Ripple's management of their holding, which in turn can dictate market behavior.
Despite the optimism, there are still a number of risks to be considered for XRP. The biggest risk is regulatory uncertainty. While the case with the SEC has concluded, global regulations that concern the digital asset industry are uncertain. Different requirements related to crypto services might be imposed by various countries, which would impact Ripple's operations.
Competition is yet another problem. A lot of blockchain projects aim at cross-border payments, such as Stellar, SWIFT's system GPI, and the newly emerging private networks. Ripple needs to keep its edge in technology and build solid partnerships to stay ahead.
Market volatility is one of the most concerning risks when investing in cryptocurrencies. Even with solid fundamentals, XRP's price could be significantly influenced by global macroeconomic factors, investor sentiment, and liquidity conditions.
Most of the legal hurdles are behind it, and with major institutions once again showing interest, the fundamental position for XRP into 2029 remains strong. Ripple's focus on real-world utility gives XRP a great advantage in the crowded crypto market.
If adoption globally continues and regulatory clarity exists, then XRP could go on a gradual climb that might push the token to new highs in 2029. Its success will strongly depend on how effectively Ripple can convert partnerships into real transaction volume, and the broader market environment continues to be in favor of digital assets.
In summary, the next four years are crucial for XRP's development. The combination of legal resolution, technological maturity, and sustained institutional adoption will position XRP among the most promising top cryptocurrencies in the long-term market cycle up to 2029.
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