XRP Price 2035 Forecast: Is a Future Worth $78 Possible?

Based on analyst predictions cited by Telegaon on Gate Square, by 2035, the average price of XRP could reach $78.16, with a potential high of $87.49.

Currently, amid holiday trading with light activity, XRP is testing a key support level around $1.89, and the market shows a technically driven consolidation pattern.

01 Current Market Conditions

To look forward to the stars and the sea in 2035, we must first understand XRP’s current navigational coordinates. As of late December 2025, XRP’s price performance is mainly driven by technical factors and overall market sentiment.

Recently, XRP has been hovering around $1.89, testing a critical technical support level. Due to the holiday season, traditional financial markets are trading lightly, and this low liquidity environment amplifies volatility in the cryptocurrency market.

XRP’s 24-hour trading volume is approximately $167.8 million, reflecting a decreased participation of institutional traders. Without major fundamental news catalysts, price movements rely more on support and resistance levels on the charts.

From technical indicators, XRP’s Relative Strength Index (RSI) is at 39.89, in the neutral zone, indicating the market has not reached extreme oversold or overbought conditions. The price is currently below all major moving averages, showing that the long-term trend still faces pressure.

02 Core Drivers Toward 2035

The future value trajectory of XRP over the next decade is not a castle in the air but built on several solid fundamental factors. The evolution of these factors will jointly determine the ceiling of its price.

First, the token’s deflationary model is a unique fundamental point. XRP’s ledger has a fixed total supply of 100 billion tokens, with small burns through transaction fees.

Currently, about 5,000 XRP are burned daily. Some analysts believe that if network activity surges over the next ten years, reducing supply by 40%, the scarcity effect alone could push the price toward $4.17. If demand also increases, the potential for higher prices is even greater.

Second, the potential approval of spot ETFs is a huge catalyst. As early as July 2025, Bloomberg’s ETF analysts predicted a 95% chance that XRP spot ETFs would be approved that year.

Approval of such products would provide traditional capital with a regulated, convenient investment channel, potentially triggering massive capital inflows and fundamentally changing XRP’s valuation logic.

Finally, real-world application and adoption are the ultimate foundation of value. Unlike many purely speculative tokens, XRP’s core use case is to provide fast, low-cost cross-border payment solutions for financial institutions.

As Ripple’s global partner network expands and XRP’s ledger is increasingly applied in areas like tokenization of real-world assets, its underlying demand is expected to grow substantially.

03 2035 Price Outlook Panorama

Based on multiple analyses, the market holds significant expectations for XRP’s long-term prospects by 2035, but different scenario assumptions exist.

One of the most optimistic forecasts comes from the analysis firm Telegaon. This prediction suggests a relatively steep growth path for XRP:

• By 2030, the average price is expected to be $42.34, with a high possibly reaching $48.03.
• By 2035, the average price is projected at $78.16, with a potential peak of $87.49.
• Looking ahead to 2040, the average price could further rise to $146.86.

This means that if one invests about $2,300 near the current price to buy 1,000 XRP, its value could grow to nearly $78,000 by 2035.

Another model emphasizes supply and demand dynamics. Some analysts envision a scenario where, by 2035, total supply decreases by 40% due to burns, while demand increases by 50%. Under these conditions, XRP’s price could theoretically reach $6.25; if demand doubles, the price could exceed $8.

More aggressive views, such as from Cameron Scrubs of Tradeship University, believe XRP could even become the top market cap cryptocurrency before 2030.

04 Potential Risks and Challenges

Despite the exciting long-term forecasts, the road to 2035 will never be smooth. Investors must be aware of several major risks.

Market structure changes are the primary challenge. Compared to 2017, XRP faces a vastly different competitive environment. Back then, it was one of the few major cryptocurrencies.

Today, it must compete with powerful smart contract platforms like Ethereum, Solana, and the increasingly popular stablecoins in cross-border payments. The market conditions that led to multi-thousand-fold gains are no longer present.

Confidence issues among long-term holders are also noteworthy. On-chain data shows that current long-term XRP holders’ market sentiment is closer to the “skeptical” state seen at the 2021 bull market peak, rather than the “frenzy-greed” state during the 2017 surge.

This indicates investors are doubtful about the sustainability of a rebound, and such hesitation could limit further price increases.

The relative weakness of XRP against Bitcoin is another realistic concern. The XRP/BTC trading pair’s price is still about 90% below its all-time high in 2017 and has been consolidating within a range for years. This suggests that XRP’s performance has lagged significantly behind the crypto market’s benchmark assets over recent cycles.

05 Rational Outlook and Strategies

When facing a ten-year forecast, maintaining rationality is crucial. Turning $10,000 into $1,000,000 would require nearly a 58% annual compound growth rate, which is typically achievable only in new markets or early-stage startups.

For XRP and Ripple’s ecosystem, which have been established for over a decade, this sets an extremely high standard.

A more pragmatic view is that if Ripple successfully executes its technical roadmap and business expansion, XRP could be considered an asset with a 5 to 10 times growth potential. Achieving this depends heavily on real-world applications, especially whether large-scale adoption in interbank settlements and real-world asset tokenization can be realized.

For ordinary investors, one of the best strategies to cope with long-term uncertainty and buffer against market volatility is dollar-cost averaging. Regular investments can smooth entry costs and avoid the pitfalls of trying to “bottom-fish” and market timing.

Future Outlook

As of December 25, the XRP trading pairs on the Gate platform show the price still battling near the key psychological level of $2. Market attention is focused on the recent support at $1.81 and the potential breakout above the resistance at $2.35, which could signal a trend shift.

Ten years from now, in 2035, whether XRP secures a position in the financial infrastructure driven by its unique utility, with steady price growth, or gets lost in the wave of continuous innovation in cryptocurrencies, depends on each real cross-border payment, each new institutional partnership, and each regulatory clarity process.