XRP Price Prediction 2022-2031 [After Lawsuit]: Who’s Swimming Naked?


The controversial CoinMarketCap quiz, which named “XRP as the “impostor coin,” had its naysayers and applauders. According to CoinMarketCap, this is because XRP is “controlled and governed by authorities, hence defeating the purpose of #cryptocurrency. All the other coins in this [list] are decentralized and are basically “people’s crypto.” Some say this description is accurate.

The Quiz questioning XRP status has since been removed, but the feeling of being thrown under the bus lingers. Let those with axes grind might as well bury them because this is crypto winter, and any small noise you make as a competitor might also impact you. An avalanche at this time is a mishap for all who have pinned their financial freedom on cryptocurrency projects.

CoinMarketCap’s tweet that Ripple’s XRP was not a true cryptocurrency, but an impostor did not go down well with many observers, particularly the Ripple community. CMC had to delete the controversial tweet eventually. But the tweet had been up long enough for responses from members of the XRP community. So, is our XRP Price Prediction still valid?

The CMC quiz and follow-up comment may have negatively impacted XRP price, but not for long as the coin rebounded with agility and support from its community. From $0.63 early Saturday, XRP price went down to $0.59, dropping from a market capitalization of $30.1billion to $28.1billion, thus shedding off to $200 million. Then in a few days, increased 9x in ODL volume, with $408 million XRP sold in Q2.

Ripple is already grappling with its unending suit with the SEC and putting XRP in the spotlight as an “impostor” does not help their situation, especially when the market is jittery with falling prices and restrictions by exchanges. While the contentious post has since been removed, it was enough to have the crypto Twitter community discuss each game’s assets.

Today’s live XRP price is $0.345114 USD with a 24-hour trading volume of $974,317,442. XRP is up 1.47% in the last 24 hours. The current CoinMarketCap ranking is #7, with a live market cap of $17,095,976,664. It has a circulating supply of 49,537,223,666 XRP coins and a max. supply of 100,000,000,000 XRP coins

As with a good man, you cannot keep putting a good coin down. That’s saying a downturn exposes those who had been taking on excessive risk when times were good. The below quote reflects XRP in the good times and the bad.

It’s only when the tide goes out that you know who’s been swimming naked.

Warren Buffett


Could it be because Elon Musk has now joined Ripple and charged straight into the United States Securities and Exchange Commission (SEC)? Elon Musk believes SEC is attempting to regulate cryptocurrencies and that it has crossed its jurisdiction and needs to be stopped.

A notable development as a turnkey solution for financial institutions, Ripple Liquidity Hub will leverage smart order routing to source digital assets at optimized prices from market makers, exchanges, and OTC desks.  As a crypto liquidity platform built for the enterprise, it will unleash the potential to access deep liquidity within markets, accelerating the shift to crypto.

Ripple Liquidity Hub will initially support BTC, ETH, LTC, ETC, BCH, and XRP (availability will vary by geography), with plans to add additional digital assets over time. Ripple plans to add functionality such as staking and yield-generating functionalities in the future.

What’s XRP?

In the world of cryptocurrencies, XRP is quite different. It is decentralized, but not as much as Bitcoin, Ethereum, and the like. Unlike them, it doesn’t seek to be an alternative to the traditional banking system but rather to collaborate and improve the conventional banking system. Nonetheless, it is a cryptocurrency that could outlast others due to its many distinctive features and landmark developments.

The top cryptocurrency exchanges for XRP stock are BinanceMandala ExchangeOKExCoinTiger, and FTX

The XRP price has been consolidating in a sideways channel since the crypto market crash in May 2021. The price has been consolidating between $0.56 and $1.39.  The trend is currently neutral; however, it might retest the 0.618 Fibonacci level around $0.89 before moving to the upside. The Stochastic RSI for the daily time frame is also at the bottom (18), thus there is a huge potential to the upside as far as there is no negative news in the crypto space.

Also, there is a flat volume. This indicates that the supply from sellers and the demand from buyers are in equilibrium.

XRP technical analysis

SEC vs. Ripple: XRP Price Prediction After Lawsuit

The lawsuit against Ripple has significantly hindered the price surge during this bull market. Even though the Securities and Exchange Commission (SEC) does not consider Ethereum and Bitcoin, which have similar characteristics as XRP, to be securities, the SEC has continued to be harsh towards  Ripple Labs, Inc.

The XRP price fell by 70% immediately after the suit was filed and has never been able to break its previous all-time high of $3. XRP holders have been affected as major crypto exchanges like Coinbase and Crypto.com suspended trading, so they couldn’t cash out. JP Morgan’s North America Equity Research also published a report earlier this month stating that the XRP asset is poised for significant adoption.

Ripple partners with the Republic of Palau

Despite the issues XRP deals with in the U.S. It has accomplished several strategic partnerships. XRP has partnered with the Republic of Palau to develop its national digital currency. The national stablecoin would be utilizing the XRP ledger due to its carbon-neutral and energy-efficient characteristics stated by Ripple in its announcement.

Like El Salvador, the Republic of Palau does not have its fiat currency and depends highly on the U.S dollar. The aim of the partnership is for ripple to develop a strategic cross-border payment system by banking the unbanked citizens of Palau.

SEC vs. Ripple Case will ‘likely’ end in 2022, says Ripple CEO

The CEO stated during his interview on CNBC that the lawsuit with the Securities and Exchange Commission (SEC) is nearing its end. Brad Garlinghouse believes that the judges have realized that the case has broader implications than XRP and they are beginning to ask good questions. XRP holders also filed “friends of the court” briefs to allow them to join the case as defendants to support Ripple. However, the judge ruled that individual XRP holders cannot act as defendants in the ongoing lawsuit.

XRP Distinctive Features

Ripple has been in existence for a while. It was created in 2004 as RipplePay, but the case of its innovation came too early for its time, as it made no significant mark then. However, it returned in 2012 as Ripple and launched the XRP token soon after.

Ripple XRP is unlike any other cryptocurrency. XRP is a product of Ripple Labs, and it differs on many levels, and this includes:

Ripple is not blockchain-based

Unlike most of the cryptocurrencies in existence, the coin does not operate on blockchain technology. Instead, it is based on the Ripple Protocol Technology, which means it has no use for a distributed ledger database. This uses gateways linked to servers of the company in multiple countries of the world to verify and process transactions.

XRP cannot be mined

While the mining process is considered an integral part of all tokens, it is not the same for XRP. The limit for XRP coins is set at 100 billion coins created by the company. Over 35% of that coin has been released into the market. The rest is held by the company that releases it periodically to control the supply and circulation of the token. The cryptocurrency is a deflationary one as the number of coins in the market reduces with each transaction.

Ripple network is centralized

This virtual asset is centralized, and its parent company, Ripple Lab, strives to create partnerships with traditional financial institutions like banks. The company sells its RippleNet technology to these institutions, thereby increasing the popularity of its native token, Ripple XRP. RippleNet technology is a system that connects banks and facilitates cross-border payments and settlements.

Due to the differences between Ripple XRP and other cryptocurrencies, it also has some advantages. Some of them are:

Fast transaction speed

This is one of the most significant selling points of Ripple technology. The swiftness of transactions surpasses other cryptocurrencies and beats that of SWIFT wire transfer, the commonly used system in traditional banking. This makes it a better alternative for banks to facilitate cross-border payments as its XRP transactions are exceedingly fast. The ripple transaction protocol is quite efficient too.

Low cost

Traditional banking system transactions and that of some cryptocurrencies tend to incur hefty transaction fees. But with digital currency, this fee is drastically reduced to a pittance.

Reversibility of transactions

Another positive for it is that the transaction can be reversed or edited to deal with an error if there is one.

All these features have enabled the Ripple network to gain significant partnerships among traditional financial institutions. And it has also influenced the growth in value of Ripple XRP over the years.

Growth in South Pacific

It is a fact that the recent partnership of Ripple with the Japanese payment giant SBI has brought the attention of various technical corporations across the South Pacific region, and it is expected that the entire region will see an expansion and adoption of Ripple tech.

It has been said that the Ripple remittance deal is setting the stage for the much broader adoption of Ripple. The lawsuit on Ripple about its security doesn’t seem to bother Japanese regulators or SBI officials.

XRP Price History

For years after its creation, the coin value was so inconsequential that it was almost worthless. Before 2017, the value of the asset hovered around $0.01, but this soon changed as the token began to gain wider coverage, and it also leveraged on the bull run of the crypto industry in that year. By April 2017, XRP rose to $0.05; the gradual climb soon continued as it reached $0.25 in May.

After this, there was no going back for the asset, as it had snared the attention of crypto enthusiasts who saw the value it created and the potential it had. The value of the asset rose all through 2017 and into the early period of 2018, where it got to an all-time high of $3.84.

But this was soon followed by a massive drop in value that affected every other cryptocurrency, too; many had labeled the incredible run of the industry as just a bubble, and like every bubble, it was going to burst. This was panned out in the case of the 2017 crypto industry bull run.

XRP Price Prediction 2022-2031 [After Lawsuit]: Who's Swimming Naked? 1
All-time Price of XRP by coinmarketcap

Towards the end of 2019, its price stabilized at around $0.30 and did not cross the $0.5 mark throughout the year. This means that Ripple XRP hasn’t been able to build on its old glory since then, as its value never got to as high as even a dollar. 

However, the bullish run of 2020 that was ignited towards the end of the year helped the asset’s value to ascend. The token’s value got to as high as $0.8 before finishing the year at $0.66. Early 2021 was supposed to continue the rise in XRP value, but that could not happen due to the SEC’s announcement of a lawsuit.

Upon the announcement, some exchanges delisted XRP from their platform. Many of those holding the token also sold in panic. This led to the value of XRP plummeting to as low as $0.166. However, it has picked up again, going as high as $0.755. Ripple at present is trading between $1.11.

Looking at this overview, it is easy to see the high volatility of XRP in the past few months, which makes it difficult to have a Ripple forecast. But the volatility has not stopped analysts from making XRP predictions based on trends. It only means that these forecasts can change at the slightest notice. However, they still give a rough estimate of what to expect from them.

Ripple Price Action

Given how past developments or even announcements have led to an increase in the value of XRP, the currency might reach $2. This will happen if the actions of Ripple technology lead to a partnership with more financial institutions.

In the past, XRP’s popularity and, by extension, its increase in value has been heavily influenced by the partnership with these traditional institutions. More partnership will mean more adoption, which invariably means higher value.

However, it is not so simple for XRP. The SEC lawsuit complicates the whole issue even further. Before the SEC filed the case, the outlook for XRP was positive, even if it did not make many optimistic. But the lawsuit cuts its breakout short and makes a Ripple price prediction trajectory more challenging, unlike other digital currencies.

Considering how difficult it is to predict a digital asset accurately, it is even more difficult for XRP. After the lawsuit, more traders are acting bearish with the XRP cryptocurrency, raising fears that it could drop to below 10 cents. However, the price pump by retail investors and traders has allowed it to pick up again.

According to Coinpedia, even with the lawsuit hanging over its head, Ripple XRP will trade at an average of $20 in the next five years.

Thus, the highest projected price for the year is $2, while it could also go as a minimum price prediction is $0.561 if the SEC lawsuit is not settled in favor of Ripple.

Is XRP a security?

Specifically, the SEC claims that XRP is a security whose offer and sale can be made only pursuant to a statutory prospectus and an effective registration statement and that because Ripple did not file a registration statement its investors have a rescission right.

“Cryptocurrency” means “a digital asset implemented using cryptographic techniques designed to work as a medium of exchange.” As important as that definition is, more critical is what “cryptocurrency” is not—it is neither a security nor a commodity, both of which are separately defined.

The Responsible Financial Innovation Act introduced on Jun 7, 2022 includes a comprehensive regulatory framework for digital assets and seeks to provide clarity in how digital assets, such as cryptocurrencies, are treated under US securities law. The lynchpin of the bill is the codification of the US Supreme Court’s decades-old standard for determining when a financial offering is a “security,” i.e., the Howey test.

If cryptocurrency is a “security,” then crypto-companies issuing them must comply with Securities and Exchange Commission rules for registration and reporting—failure to do so can lead to significant penalties, such as the $100 million SEC fine. issued by the SEC in 2021.

However, many in the industry believe that cryptocurrencies act more like commodities than securities and would prefer them to be treated as such, subject to the Commodity Futures Trading Commission’s rules. The “security” vs. “commodity” debate has many practical implications for the cryptocurrency industry and consumers and is already heating up in Washington.

Those thinking about policy in the digital asset, cryptocurrency, and web3 industries would be well served to understand the rules that public officials already are subject to when handling digital assets of their own. See the discussion here.

XRP Technical Analysis

XRP’s price fell sharply from May to June when it crossed oversold territory; XRP has been trading sideways for the last two months with little price momentum. The William Alligator is sleeping, suggesting a period of consolidation before the next price breakout.XRP Price Prediction 2022-2031 [After Lawsuit]: Who's Swimming Naked? 2

XRP Price Predictions by Authority Sites


Wallet Investor uses a machine learning prediction system and artificial intelligence (AI) to provide the Ripple price forecast. Ripple coin historical data performance scores ‘A+’. The AI indicates that XRP is an outstanding one-year investment. Its average forecast price will rise from the current price to $0.000122 in one year. Ripple’s XRP will be on a bear trend for the next two weeks. The price will rise from $0.351 to a future price of $0.340 at the end of the period. The average forecast price will rise by 52.1% in 2023. XRP’s return on investment (ROI) will be 109.5% in 2024. In 2025, XRP price ROI will be 167.3%; in 2026, XRP price ROI will be 217.2%. In 2027, XRP price ROI will be 268.5%. 


Trading beasts used linear and polynomial regressions on past performance to provide the XRP price forecasts. The site suggests XRP prices will go up to $0.0024618 in September. The average price will drop slowly to a future price of $0.0023493 in December, and the falling trend will continue until August at $0.0018477. The price growth will see XRP trade at $0.0022402 in December. In 2024, XRP will sell at an average price of $0.0023211 in January and $0.0029648 in December. In 2025, XRP will sell at an average price of $ 0.0030111 in January and $0.0034328 in December.

Digitalcoin Price

XRP has been on a gradual fall since April 2022. Ripple price forecast for September is $0.49, an upward trajectory from the current price. It will trade for over $0.45 for the rest of the year. The XRP average price in 2023 will be $0.51. It will reach a minimum price of $0.46 and a maximum XRP price of $0.56. XRP’s average price in 2025 will be $0.66. It will reach a minimum value of $0.60 and a maximum price of $0.74. XRP’s average price in 2030 will be $1.58. It will reach a minimum price of $1.54 and a maximum price of $1.64. 


XRP Price Prediction 2022-2031 [After Lawsuit]: Who's Swimming Naked? 3XRP Price Prediction 2022-2031 [After Lawsuit]: Who's Swimming Naked? 4

Ripple Price Prediction 2022

The XRP tokens price prediction for 2022 is $0.43. The Ripple token has ridden the bear crypto market this year and lost 50% of its value. 

The Ripple price is expected to trade higher soon and sideways for the rest of the year. Ripple digital coins will be bullish in the next run and trade between $0.41 and $0.46.

Ripple Price Prediction 2023

The XRP tokens price prediction for 2023 is $0.63. Ripple has honed enterprise-grade solutions for big businesses over the years despite its shaky ICO. The Ripple payment network is accessible all over the globe and is robust enough to handle large transactions across enterprises. Ripple value will reach a minimum price value of $0.61 and a maximum of $0.73.

Ripple Price Prediction 2024

The XRP tokens price prediction for 2024 is $0.91. Ripple offers money services business across borders with settlements in seconds in a permissionless manner verifiable over its blockchain. This feature provides high utility for businesses to reach and accelerate their payments; therefore, a good choice. 

The current value for the year will reach the highest price at $0.88 and the lowest at $1.05.

Ripple Price Prediction 2025

The XRP price prediction for 2025 is $1.36. The Ripple liquidity hub provides businesses and financial institutions liquidity from the crypto and foreign exchange market. The feature has a streamlined trading platform for managing and reporting. 

Ripple price forecasts indicate that the future prices will range from a minimum price value of $1.31 to a maximum price of $1.53.

XRP Price Prediction 2026

The XRP price prediction for 2026 is $2.03. The Ripple platform provides a Central Bank Digital Currency (CBDC) that is fully manageable and accessible to a country’s economy. The CBDC is built on a centralized private ledger with a record of over 10M transactions over 10 years with retail investor accounts. Ripple price will reach a maximum value of $1.97 and a minimum of $2.28 in the crypto market.

XRP Price Prediction 2027

The XRP Ripple price prediction for 2027 is $2.95. XRP partners define its position in the cryptocurrency market, including Bank of America, Trango, Cross, Palau, Azimo, Nium, Novatti, Potuol, Lemonway, Beetech, Sabb, Modulr, Lulu exchange, SC, and Banco Rendimento. The Ripple price will range from $2.85 to $3.48. 

Ripple Crypto Price Prediction 2028

The XRP Ripple price prediction for 2028 is $4.28. Ripple has partnered with over 40 universities in 18 countries to fund research crucial to technological innovation. Developments on Ripple are integral in creating an edge over emerging technologies. The expected average trading price will range from $4.14 to $5.02. 

XRP Price Prediction 2029

The XRP Ripple price prediction for 2029 is $6.28. The ripple foundation is committed to creating a more sustainable, equitable, and inclusive economy. The foundation has made $150M in donations from 2018 in over 81 countries where Ripple NGO partners operate. 

The XRP price will range from $6.07 to $7.28.

XRP Price Prediction 2030

The XRP Ripple price prediction for 2030 is $8.87. XRP’s future is bright, driven by mass adoption from many investors who bring finances to the platform. The future of WEB 3 is coming, and the crypto world is set to be the highest gainer—the XRP price range from $8.55 to $10.59.

XRP Price Prediction 2031

The XRP Coin price prediction for 2031 is $13.14. Ripple’s price will continue to rise past the decade, supported partly by the increasing utility of the Ripple crypto-asset. The rising XRP market capitalization will place it alongside top-tier cryptocurrencies in the market. 

The XRP price will range from $12.69 to $14.81.

XRP Price Predictions by Industry Influencers

Late Night Grind youtube presenter Randy predicts a 100 times gain if Ripple wins its case against the SEC. The courts are expected to give a ruling in March 2023. 

Coins Kid analyzes XRP’s recent price movements and provides a technical analysis.

According to Matthew Harry, a top official at DigitalX Asset Management, XRP could reach the $5 mark, provided it scales through its case with the SEC. He also added that Ripple XRP’s future value would be considered speculative. 

The XRP token is worthless for anything other than speculation. The underlying technology is terrific, but the token itself does not currently have a use; it simply attracts speculators as it is cheap and an easily digestible value prop – none of which is born out in the token.

Matthew Henry

Carol Alexander, a University of Sussex finance professor, confidently predicts a market price of $2.50 for the near future if the token conquers the struggle with the SEC.

It is not like any other crypto. If it wins vs. SEC, it really will start to replace SWIFT.

Carol Alexander


Ripple is a private blockchain with the robustness of offering enterprise-grade solutions to big businesses. This advantage has earned Ripple big partners in the finance world, such as Bank of America and Sabb. Ripple enables processing transactions with same-day settlement and, therefore, is a good addition for businesses that have cross-border transactions.

XRP is the fuel of the Ripple network. The network has enjoyed extensive partnerships with firms like Bank of America, securing a spot in the corporate financial world.  Despite the fast growth, the suit between the SEC and Ripple is yet to be determined following its dubious initial coin offering. 

XRP is far cheaper than most of the other cryptocurrencies in the overall crypto market at its current rate. This makes it accessible and easy to buy for many investors and suitable for mass adoption and informational purposes.

In terms of returns, can one say it is worth it? The next five to ten years’ predictions do not position it as the best investment in the market. After all, it will only increase by 5x or 6x in the next five years in the best-case scenarios. But a value of less than a dollar doesn’t look so bad, and the demand is good.

The benefits it offers, such as the speed of transactions and low charges, would make it look like a good investment with more potential for institutional backing and developments.

It is relatively easy and straightforward to buy on all these platforms as they allow you to buy with USD, EUR, and even BTC. All you need is to have an account on the platforms, and you are good to go. You can link your credit or debit card. Wire transfer is usually available on these cryptocurrency exchanges too.

The forecasts for XRP vary widely depending on the analysis and period. However, most of them have two things in common – volatility and a moderately optimistic outlook.

The optimistic forecast will depend on the Ripple payment technology’s increased adoption in almost all predictions. However, the asset volatility could stand as an albatross as it depends majorly on the outcome of the litigation between its parent crypto company and the financial regulator.

According to the market experts, a jolt of freshness is expected in the XRP space if Ripple scores a major victory in its lawsuit with the SEC. The price predictions are positive and in line with the possible positive outcome of the lawsuit.

Trading crypto is a high-risk venture, and the optimistic forecast does not necessarily reflect the future of Ripple. A bear market is likely to have a negative impact on the future value of Ripple.

With its performance correlating with the Bitcoin price, Ripple lost over 60% in the 2022 bear market. Ripple will trade higher as the market recovers. Despite the hype provided by the XRP price predictions, it is important to conduct adequate research before investing in cryptocurrency. Only invest what you can afford to lose.

Disclaimer. The information provided is not trading advice. Cryptopolitan.com holds no liability for any investments made based on the information provided on this page. We strongly recommend independent research and/or consultation with a qualified professional before making any investment decisions.


Are On-Demand Liquidity (ODL) firms feeling the pinch from XRP's price volatility?

No, not at all. As of now, there are a considerable number of firms that choose ODL over XRP. ODL does not need that such firms hold on to XRP for a long period of time. Furthermore, these financial institutions are less vulnerable to volatility during transactions.

What's the ideal method for trading XRP?

Open-source and decentralized, XRP may be bought and sold on over a hundred different digital markets. XRP/USD trading may be done on a number of different exchanges on the internet.

Ripple's recommendation for XRP trading platforms?

For the most part, the cryptocurrency Ripple (XRP) doesn't encourage or advocate the use of Internet listings or exchanges, and it makes no claims about them. Customer service and standards based on central bank criteria are different at each exchange when it comes to trading the XRP currency. You should do your own research before embracing new technologies or making financial decisions. To sum up, Ripple does not endorse or sponsor any specific trading platform for XRP.

Is Ripple (XRP) held by any financial institutions?

For its cross-border payments, the XRP Liquidity Pool has officially announced the usage of XRP by eight major payment service providers, including MoneyGram, MercuryFX, IDT, Cuallix, Western Union, and Cambridge Global Payments. A growing number of financial institutions are showing an interest in using Ripple's XRP coin to facilitate their payment processing operations.

What is the Ripple Payment Protocol?

Currency exchange, remittance network, and real-time gross settlement system are all features of the Ripple Payment Protocol (RTXP), also known as the Ripple Transaction Protocol (RTXP). The network is built on a consensus ledger, an open-source distributed Internet protocol, and the native currency. In only a few seconds, Ripple (XRP) can settle transactions across borders

Is Ripple a safe way to transfer money?

This is a straightforward question with a straightforward answer: "Is Ripple safe?" It's because of Ripple's unique approach to cryptocurrencies, which sets it distinct from its rivals. Ripple is focused on a certain goal. The potential for dominance in the online payment business is enormous once it arrives.

What's the incentive for validators who are not Ripple validators?

Interbank settlements using the XRP Ledger will have an incentive to ensure that the network is reliable and stable if it is widely used. If this happens, institutions will set up Ripple servers to join the network. A validator's primary role is to guarantee that the network is stable and that it develops logically.

Shawn Du'Mmett

Shawn Du'Mmett

Former IT development and consultant, remote team and collaboration expert, PM, CCO, writer, dreamer, idealist looking to collaborate with global teams on a global teal/turquoise organisation. Shawn's dream is working together openly, to get what writers need and want, and to solve biggest global problems. He is building a collaboration system from the start that everyone can own and define, allowing them to work together, to decide how it works and to their highest ideals.

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