It is not inherently difficult to buy XRP globally, but its availability and ease of purchase have been inconsistent over the years, primarily due to regulatory uncertainty, particularly the long-running US lawsuit with the SEC.
XRP is up 260% over the last five years (as of Nov. 30). To put it another way, if you had invested $100 in XRP five years ago, your position would now be worth $360.
Technical analysis suggests XRP may need to test support near $1.25 before establishing a foundation for sustained gains. Consensus forecasts across multiple platforms show a range of $2.71 to $8.60 for 2026, with an average prediction around $3.90.
Coinbase has banned XRP because of the SEC case, which you must have known. You should be able to see XRP in your Coinbase portfolio, but now you won't be able to buy it or sell it on their platform, although can send/receive XRP to/from some other platform which you already have.
Digital Ascension Group CEO Jake Claver once made a bold prediction: XRP will hit $100 before 2026. Now, it is Jan. 1. And XRP is nowhere near a three-figure price. The last day of 2025 saw an intense debate on Claver's price prediction, and the XRP community was divided.
While some predict XRP could reach $10,000, it's considered extremely unlikely by most experts due to the astronomical market capitalization required, which would dwarf the entire global economy; realistic targets focus on much lower figures driven by adoption and utility in global payments, though a few analysts still hold out hope for significant long-term growth if the network achieves mass adoption and major supply changes occur.
XRP, despite its current utility and potential to evolve into a more multifaceted player in the payments world, is structurally different from Bitcoin. I like to think of XRP as more of a business -- or at least an extension of a business (Ripple) -- whereas Bitcoin is more of a store of value.
Instead of banks holding foreign currencies in multiple countries, they could hold XRP to facilitate real-time currency conversion and settlement. This reduces the need for capital-intensive pre-funding of accounts and frees up liquidity.
Crypto exchanges delisting XRP entirely in the US include: BinanceUS, CrossTower, Crypto.com and Bittrex. Crypto wallet, Swipe, is delisting XRP in the US as well. Trading platform Eobot is the only exchange that has delisted XRP on a global scale.
XRP reaching $100 is unlikely to happen within the next decade, but it could hit that price in the year 2038 or 2039. It's important to note that such a surge would require massive changes in global finance and regulatory environments.
Dune Analytics dashboard shows roughly 2,000–2,500 XRP is needed to be in the top 10%.
XRP Market Cap Math Shows Why $1,000 Looks Unrealistic
15, 2025, XRP holds a circulating supply of about 59.9 billion tokens. At current prices, this gives the cryptocurrency a market value of $145 billion.
Is It Too Late to Buy XRP in 2022? It's still not too late to buy XRP in 2022, especially if you invest in crypto assets for the long term. The world of crypto assets is unpredictable. Every crypto asset will have its ups and downs throughout the year.
It's highly unlikely. With a circulating supply of 57.1 billion tokens, a $1,000 price would push XRP's market cap to $57 trillion—more than double the U.S. GDP and over half the total value of the global stock market. Is XRP a good investment?
✨Ripple's Position if SWIFT Adopts Blockchain
If SWIFT chooses a model similar to Ripple's, the XRP Ledger becomes a viable option for real-time cross-border settlement. Ripple already targets these functions through XRP-based liquidity routing and instant finality.
In a development that could accelerate the evolution of cross-border financial infrastructure, JPMorgan's GTreasury initiative on the XRP Ledger signals a potential turning point for global payments.
In July 2022, Tesla quietly dumped roughly 75% of its Bitcoin holdings, worth about $936 million, during a period of macroeconomic uncertainty and market stress.
While XRP has seen significant growth and has strong potential for long-term gains due to institutional interest and use in payments, it's unlikely to be a "millionaire-maker" from small investments now, as its large market cap requires massive growth to provide 100x returns, math that doesn't currently work out; instead, it's viewed as a potentially valuable, albeit volatile, addition to a diversified portfolio for significant wealth compounding over years.
XRP's innovative platform allows fast and cheap international transactions, although its volatility is extreme. Bitcoin is thriving as a store of value, thanks to its hard supply cap and decentralized setup. The best crypto to buy is the safer one that has staying power.
Although XRP won't make you a millionaire, there are a few reasons buying and holding the coin may not be a bad idea. For one, the recent launch of an XRP exchange-traded fund (ETF) has made it easier for people to have exposure to its price movements.
"By the end of 2028 we see XRP's market cap overtaking Ethereum's," he wrote, attributing the shift to XRP's core utility as a platform for cross-border and cross-currency payments.
According to on-chain data, only around 330,000 wallets globally hold 10,000 XRP or more. That's not a guess or a theory — it's a measurable blockchain statistic.
Valuation math reveals impossible market cap requirements
With approximately 60 billion tokens in circulation and another 40 billion expected to enter the market over time, the total supply approaches 100 billion tokens. Multiplying this supply by $1,000 produces a $60 trillion market cap requirement.
So the best-case scenario for XRP investors is another massive spike upward in 2026, due to the appearance of a new catalyst on the horizon. If the catalyst is big enough, it might be enough for XRP to double in price, from $2 to $4.