"If blockchain payments spread, $5 is possible"... XRP long-term scenario draws attention

▲ XRP/ChatGPT generated image ©

A prediction has emerged that XRP (Ripple) could rise to $5 within the next three years, but the spread of stablecoins and SWIFT's (Society for Worldwide Interbank Financial Telecommunication) move towards blockchain conversion are emerging as key variables.

According to the investment media outlet The Motley Fool on May 6 (local time), XRP has risen approximately threefold over three years, from around $0.50 in 2023 to near $1.50 currently. The outlet analyzed that if past trends repeat, the XRP price could reach $4-5 by 2030.

The core of the bullish argument is Ripple's blockchain-based international remittance network. The XRP Ledger serves as a key infrastructure for the global payment system and is considered competitive for enabling faster and cheaper international remittances than existing financial networks. In particular, Ripple executives predict that by 2030, over 14% of SWIFT's payment network transaction volume could shift to XRP-based payment networks. This amounts to an annual transaction volume of approximately $21 trillion.

Based on these expectations, aggressive long-term price targets are also being presented. Cryptocurrency investment firm Bitwise predicts that XRP could reach $29.32 by 2030, suggesting a potential increase of about 20 times from the current price.

On the other hand, the bearish arguments are also significant. The media outlet pointed out that dollar-based stablecoins are rapidly encroaching upon XRP's core use cases. Specifically, as the perception spreads that stablecoins, with their higher price stability, are more suitable than volatile altcoins in the global remittance market, XRP's value proposition could weaken. In fact, on the decentralized prediction market Polymarket, the probability of XRP falling to $1 this year was 47%, to $0.80 was 42%, and to $0.60 was 32%. In contrast, the probability of its price doubling this year was only 23%.

The media outlet cited the actual spread of the blockchain-based payment market as the most important variable for future XRP investment. In particular, SWIFT's full-scale promotion of blockchain-based upgrades starting from the end of 2025 could be a burden for Ripple, it analyzed. However, if the blockchain payment market grows as expected, XRP is also evaluated to have sufficient potential to rise to the $5 level in the long term.

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