According to Forbes, XRP’s next five years will hinge on whether it can turn legal clarity into real payment use and steady liquidity.
The token is trading at $3, up 4% in the last seven days. It has a market cap of about $176 billion. That puts XRP back among the top three crypto assets by capitalization.
Regulatory Clarity Gives XRP A Running Start
In July 2023 a US court found that programmatic sales of XRP on public exchanges were not securities, while some institutional sales remained in question.
The matter moved again in August 2025 when both the SEC and Ripple dismissed appeals, preserving that split ruling.
That step removed a long-standing legal overhang that had discouraged many institutional players from moving forward in the US.
Market Snapshot And On-Chain Tools
Reports show recent price peaks vary by source — $3.84 on some trackers and $3.65 on others — but liquidity metrics have improved.
The XRP Ledger settles transactions in three to five seconds and typically charges under $0.01 in fees. In March 2024 the ledger added an on-chain automated market maker via the XLS-30 amendment.
Payments And Remittances Could Drive Demand
Global remittances to low- and middle-income countries reached over $680 billion in 2024, with average fees near 6%, while the UN target is 3%, Forbes said.
Ripple already runs production corridors with partners such as SBI Remit in Japan and Onafriq in Africa, connecting payments to the Philippines, Vietnam, Indonesia and 27 African countries.
If treasurers and regulators in those corridors accept crypto rails, XRP could win steady, utility-driven flows rather than pure speculation.
Products And New Channels For Investors
Ripple launched RLUSD, a dollar-backed stablecoin, in 2025 with reserves custodied at BNY Mellon. Multiple issuers have filed S-1 and 19b-4 forms for US spot XRP products. Those filings could create a fresh demand channel if approvals follow.
According to Finder’s expert panel in July 2025, the average XRP price is expected to be $2.80 by the end of 2025 and $5.25 by 2030 — projections that depend on adoption, liquidity, and market-access steps such as ETFs.
Where XRP Could Stand In Five Years
According to Forbes, if corridor volume shifts from fiat and stablecoins into XRP, and if custody and ETF channels open, demand could grow in a sustained way.
In that scenario, price upside would be supported by both real payment flows and passive investment. If those pieces do not align — if stablecoins dominate corridors, if CBDCs gain traction, or if execution issues persist — XRP may stay widely traded but see limited real-world settlement use.
Featured image from Token Metrics, chart from TradingView
