XRP is currently hovering around $1.40, down about 25% from its early 2026 price, and much lower than its July 2025 high of $3.66. However, analysts’ 2030 targets tell a completely different story.

# $5 — A 257% increase from the current price is needed. This would require a re-touch of the 2025 high of $3.66, and an increase in XRP’s share in ETFs from the current 1.5-1.7% to 4-5%. In the US, XRP has already been recognized as a “digital commodity” by the SEC and CFTC, which should help somewhat in this regard.

# $10 — It won’t just be ETF demand or a general uptick in the market. It needs evidence of actual growth in the use of the XRP Ledger. Here, we have an institutional lending system proposed by Clearpool and Cicada Partners, which would use Ripple’s own stablecoin, RLUSD. But there’s a catch: the underlying asset of the loan will be RLUSD, not XRP, so it may not directly create demand for XRP.

# $28 — This is a completely different target. At this price, XRP’s market cap would be around $1.76 trillion, which would surpass Bitcoin’s current market cap ($1.55 trillion). Former Ripple CTO David Schwartz believes XRP could one day surpass Bitcoin. He didn’t give a specific timeframe or price.

What history says:

# XRP has suffered three 60%+ price drops in the past, each followed by a 1,000% rally.

# The current drop is the fourth such event, but there isn’t enough evidence to call this pattern reliable, and each cycle has been different in market conditions.

In short,

- $5 needs another strong market cycle

- $10 needs evidence of real practical demand

- And $28 really depends on whether XRP can truly become one of the top two in the crypto world.

📌 Which of these three do you think seems most realistic to you?

Source: 24/7 Wall St.

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