XRP Price Prediction: Here’s Why XRP May Not Rally Until 2028

Ripple continues to expand its business, with banks adopting its technology, and spot XRP ETFs have already attracted nearly $1.5 billion. Yet its native token XRP remains nearly 72% below its 2025 peak.

Meanwhile, on-chain data and technical charts suggest XRP may remain stuck in a sideways range until 2028, backed by historical data.

Ripple Is Growing, But XRP Isn’t Following

Ripple has spent the year strengthening its ecosystem. This week alone, the company launched the Ripple Mint platform for its RLUSD stablecoin, expanded across multiple blockchain networks, and continued attracting banks to the XRP Ledger for cross-border payments.

However, stronger business growth has not translated into higher XRP prices.

One reason is how Ripple’s network works. Banks use the XRP Ledger to settle transactions almost instantly. Due to this, they do not need to hold large amounts of XRP for long periods. 

At the same time, Ripple also releases millions of XRP from escrow every month, increasing the available supply.

Meanwhile, spot XRP ETFs have attracted about $1.49 billion in total inflows, but ETF holdings still account for only 1% to 2% of XRP’s circulating supply, limiting their impact on price.

Selling Pressure Continues to Outweigh Demand

Market data also shows that XRP’s futures market has cooled sharply.

Open interest has fallen by nearly 87%, dropping from around $15 billion earlier this year to roughly $1.91 billion. This large wave of deleveraging removed much of the speculative buying that previously helped fuel rallies.

Meanwhile, large investors have quietly bought more than 600 million XRP during recent price drops. But many small investors have sold their XRP after months of little price movement. Because of this, XRP faces selling pressure.

XRP Major Rally Until 2028

According to analyst Chartnerd, XRP has taken an average of about 1,410 days to reach each new cycle high. Previous cycles lasted 1,490 days (2013-2018), 1,197 days (2018-2021), and 1,556 days (2021-2025). 

Based on both time-based Fibonacci extensions and previous market cycles, Chartnerd believes XRP could target around $27 by 2029 or 2030.

At the same time, the Bollinger Bands are tightening, a sign that volatility is falling and XRP could remain range-bound before its next major move. If history repeats, the current setup mirrors the long accumulation period seen before the 2024 breakout. 

Unless XRP breaks above the 20-week Bollinger Band and key resistance levels, analysts believe the token could continue trading sideways before building momentum for its next bullish cycle.

That outlook closely matches Standard Chartered’s long-term forecast, which projects XRP reaching $7 by 2027, $12.60 by 2028, and nearly $28 by 2030.

• XRP$ 1.50(-5.25%)

Ripple Ripple   Ripple is a blockchain and fintech company focused on improving how money moves across borders. Founded in 2012, Ripple develops blockchain-based payment solutions that help financial institutions make faster, more efficient, and transparent international payments. Ripple is closely connected to XRP and the XRP Ledger (XRPL), a decentralized blockchain designed for fast and low-cost transactions. Its ecosystem supports cross-border payments, digital assets, and other financial applications. Ripple has also expanded its offerings to areas such as stablecoins, institutional crypto services, and digital asset infrastructure.   Ripple Details   Attribute Details Key Technology XRP Ledger (XRPL) Native Digital Asset XRP Stablecoin Ripple USD (RLUSD) Primary Use Cases Cross-border payments, digital asset custody, stablecoins, tokenization, treasury management, digital asset infrastructure Payments Product Ripple Payments Stablecoin Platform Ripple Mint Blockchain Ecosystem XRP Ledger Payment Asset XRP, RLUSD and other supported digital assets   Ripple Products & Services   Ripple Payments: Enables fast, global cross-border payments using digital assets and local currencies. Ripple USD (RLUSD): A U.S. dollar-backed stablecoin built for institutional payments and financial use cases. Ripple Mint: Helps institutions mint, redeem, and manage RLUSD. XRP Ledger Integration: Uses the XRP Ledger for fast settlement, tokenization, and asset exchange. Institutional Stablecoin Infrastructure: Supports stablecoin payments, treasury management, and liquidity. Real-World Asset Tokenization: Supports tokenization of securities, treasuries, bonds, and other RWAs. AI & Agentic Payments: Enables AI agents and machine-to-machine payments using XRP and RLUSD. Cross-Chain Stablecoin Infrastructure: RLUSD is issued on XRP Ledger and Ethereum and supports additional networks.   Ripple, XRPL, and XRP Token   Ripple is a tech firm utilizing XRP and XRPL technologies in its financial products, while XRP, on the other hand, is an independent native digital currency of the XRP Ledger. Ripple is one of several contributors to XRPL technology.   Attribute Details Native Token XRP Token Type Native Digital Asset Native Blockchain XRP Ledger (XRPL) Ripple's Relationship with XRP Ripple holds XRP and uses it in certain payment and liquidity solutions XRP Utility in Ripple Ecosystem Cross-border liquidity, bridge asset, and payment settlement XRP Utility on XRPL Transaction fees, anti-spam mechanism, DEX liquidity, and bridge asset XRP Ownership Ripple owns a substantial amount of XRP, including XRP held in escrow Blockchain Ownership XRP Ledger is an open-source, decentralized blockchain that Ripple neither owns nor controls   The RLUSD Stablecoin    Token Name - Ripple USD Token Symbol - RLUSD Token Type - Fiat-backed stablecoin Primary Utility - Payments, settlement, liquidity, treasury management, trading, and onchain financial applications Blockchain Networks - XRP Ledger, Ethereum, Base, Ink, Optimism, Unichain, and XRPL EVM Sidechain Native Issuance - XRP Ledger and Ethereum, with availability on additional supported networks Regulatory Framework - The structure was designed in accordance with applicable regulations, such as NYDFS rules on stablecoins. Token Standard - Native token of the XRP Ledger (XRPL); tokenized asset on EVM-compatible networks. Key Platform - Ripple Mint AI Payments - Ripple is expanding RLUSD into AI agent and machine-to-machine payment use cases.   info@ripple.com Crypto / Blockchain SolutionPayment solution