XRP could reach $3 by 2030, but the path to that price target remains uncertain. The cryptocurrency, currently trading at $1.33, would need a 125.6% gain to hit $3. While this seems ambitious, XRP has briefly surpassed $3 in the past, including in mid-2025.
The key to XRP's potential rise lies in the buying interest from financial institutions and exchange-traded funds (ETFs). However, so far, these groups have shown little enthusiasm for holding large amounts of XRP. Spot ETFs, which hold XRP for brokerage investors, currently manage $1.8 billion in net assets. Digital asset treasury (DAT) companies, like Evernorth, backed by Ripple, could also play a role, but their impact is likely to be modest.
One major hurdle is XRP's lack of a clear product-market fit. Ripple originally proposed XRP as a bridge currency, but its RLUSD stablecoin has largely taken over that role. Financial companies using Ripple's services also show little demand for XRP. Without a strong use case, the cryptocurrency's price movement may rely more on speculation than fundamentals.
Despite the potential for growth, the article advises caution. The Motley Fool Stock Advisor team did not include XRP among their top 10 stock picks, suggesting that other investments may offer better returns.