XRP price prediction: Could Ripple rally toward $28?

While anything is technically possible in the cryptocurrency space, a $28 XRP would indicate a market-cap explosion into the trillions.

This price point would necessitate a combination of long-term on-chain adoption, extensive institutional product rolls (bank rails, ETFs), significant M&A/partnership wins, and an extended parabolic cycle rather than a brief spike driven by headlines. 

In this XRP price prediction, we’ll explain the current situation, the indicators that could cause XRP (XRP) to rise significantly, and why $28 is extremely unlikely to occur in the near-to-medium term without genuinely significant changes below.

Current XRP price scenario

After a strong surge with the lengthy SEC litigation reaching its last stages, XRP is currently trading in the low single digits (about $2.9–$3.2 in late August 2025). Following the legal clarification news, volume and volatility have increased, and multiple publications report that XRP has been reclaiming and testing the ~$3 support/resistance zone in recent weeks. The dismissal of the appeals and the announcement of strategic expansions by Ripple caused a tremendous reaction from the markets, and Ripple’s crypto price predictions turned mega bullish.

Key short-term Ripple price forecast: the immediate bullish baseline is $3.00. To start persuading traders that the next phase is underway, a confirmed, sustained break above the recent $3.25–$3.60 level would be required. That same barrier is echoed in the most recent technical summary from crypto.news as being crucial for the short-term course.

Key signs XRP price could target $28

The most compelling outlook that, in theory, may support a move of several hundred percent is included below. I approach each by considering what would have to occur and how feasible it is.

Sign 1 – Historical cycle patterns suggest another parabolic phase

In the past, cryptocurrency markets have fluctuated over several years, during which time assets that drive adoption might experience exponential growth. The price of XRP might increase significantly if it were to experience a prolonged speculative or parabolic wave, akin to the historical blowoffs of BTC and ETH. Nevertheless, broad retail FOMO plus leverage are usually the driving forces behind parabolic spikes, which are frequently brief and lack underlying adoption to maintain them. Previous XRP rallies were fueled by a combination of legal headlines and general bull market flows, according to Crypto.news and other observers. This pattern is repeated but not assured.

The following would be necessary: fresh retail liquidity on key exchanges, several quarters in a row of dominant inflows (derivatives and spot), and consistent high on-chain usage metrics (payments, settlement flows) — not just volume driven by headlines.

Sign 2 – Regulatory clarity boosting institutional confidence

The largest structural barrier to U.S. institutional participation in XRP has been the removal or unambiguous resolution of SEC uncertainties. This hurdle has been significantly lowered by recent filings and joint dismissal activities in August 2025, which have sparked additional institutional product filings and ETF discussions. 

Institutional demand may become a multi-year tailwind if significant regulators around the world and several U.S. financial gatekeepers completely adopt XRP (spot ETFs, custody, banking rails). The legal close-out movements and the industry’s response were covered by crypto.news; according to multiple sites, Ripple and the SEC are preparing to dismiss appeals and resolve specifics in August 2025.

The following would be necessary: successful ETF approvals, definite approvals/listings from many leading exchanges and custody providers, and expectations from bank/treasury pilot projects to use XRP for settlement.

Sign 3 – Expanding Ripple partnerships, driving adoption

The adoption landscape would be significantly altered by Ripple’s partner integrations and M&A activities. Recent claims of cross-chain integrations (such as Cardano/Lace talks) and strategic acquisitions/expansions in the stablecoin and payments stack (such as a purported Rail acquisition for stablecoin infrastructure) by Ripple could boost real-world adoption. These operational pushes strengthen XRP’s use case, which is crucial for long-term price, assuming they result in enterprise partnerships and actual payment volume.

It would be necessary to migrate significant payment flows through the XRP Ledger or Ripple’s rails through big, revenue-generating partnerships (banks, remittance networks, and central bank pilots).

Is a $28 forecast for XRP realistic?

To put it bluntly, it is not feasible in the near future, but we can measure and explain why.

According to public data sources like CoinMarketCap, there are around 59.4 billion XRP in circulation. The market capitalization of XRP would have to be approximately:

$1.66 trillion (59.48 billion × $28)

That would make XRP one of the two biggest monetary assets on the planet by market value, with its market capitalization matching or even exceeding that of Bitcoin. To put things in perspective, XRP’s market value was estimated to be between $170 and $175 billion in late August 2025. This means that a move to $28 would necessitate an approximately 10× gain in market value from now (and more during pullbacks).

So before reading any Ripple coin price prediction online, make sure to know the technical aspects and always do your research.