XRP may reach $0.50 in five years

Ripple predicts XRP could be worth $0.50 in five years. The forecast assumes banks adopt Ripple Payments for instant cross-border transfers, reducing costs to 0.0001 XRP per transaction. XRP currently trades at 66% below its July peak amid declining crypto market value. Ripple launched RLUSD in 2024 as a stablecoin, but banks can use fiat currencies without relying on XRP. The model depends on banks using Ripple's network for settlement, not necessarily buying XRP.