XRP and Bitcoin: 120% and 190% Gains Ahead, According to Wall Street Experts

The cryptocurrency market has been on a tear since the U.S. presidential election in November 2024, with the overall market climbing 24%. Bitcoin (BTC) and XRP (XRP) have been two standout performers, with experts predicting significant gains in the coming months. Here's a closer look at these two cryptocurrencies and the factors driving their potential growth.

XRP: 120% Implied Upside

XRP, the native cryptocurrency of the Ripple blockchain, has been gaining traction as a fast and low-cost solution for cross-border payments. With a market capitalization of $128 billion, XRP is the third-largest cryptocurrency by market cap, behind only Bitcoin and Ethereum. According to Dom Kwok, former Goldman Sachs employee and co-founder of blockchain education company EasyA, XRP has a good shot at replacing Ethereum as the second most valuable cryptocurrency.

Several factors contribute to XRP's potential for significant growth:

1. Cross-Border Payments: XRP's primary use case is facilitating fast, low-cost cross-border payments, which is a massive market opportunity. As more businesses and individuals adopt digital currencies for international transactions, XRP's role in this space could increase.
2. Regulatory Clarity: The ongoing lawsuit between Ripple and the U.S. Securities and Exchange Commission (SEC) has been a cloud hanging over XRP's price. However, a recent ruling in favor of Ripple has provided some clarity, and a resolution could further boost XRP's price.
3. Stablecoin Integration: Ripple recently introduced Ripple USD (RLUSD), a stablecoin that will use XRP to pay fees. This integration could increase demand for XRP and drive its price higher.
4. Spot XRP ETFs: Several asset managers have submitted applications to the SEC to create spot XRP ETFs. If approved, these funds could provide easier access to XRP for investors, potentially driving up its price.

Bitcoin: 190% Implied Upside

Bitcoin, the largest cryptocurrency by market capitalization, has been on a rollercoaster ride in recent months. After reaching a record high of $109,000 in early 2025, BTC has since tumbled 21% to its current price of $86,000. However, Tom Lee, managing partner and head of research at Fundstrat Global Advisors, predicts that Bitcoin could top $250,000 in 2025.

Several factors contribute to Bitcoin's potential for significant growth:

1. Institutional Investment: The approval of spot Bitcoin ETFs in January 2024 has attracted significant institutional investment, with over 1,100 asset managers holding positions in the iShares Bitcoin Trust as of the fourth quarter. This trend is likely to continue, driving up Bitcoin's price.
2. Regulatory Acceptance: As more countries recognize Bitcoin's potential and provide clearer guidelines for its use, institutional investors may become more comfortable allocating a portion of their AUM to the cryptocurrency.
3. Market Sentiment: Despite recent volatility, market sentiment remains bullish on Bitcoin. Investors are optimistic about its long-term prospects, and this positive sentiment could drive its price higher.
4. Elon Musk's Influence: Elon Musk, CEO of SpaceX and Tesla, has been a vocal supporter of Bitcoin. His tweets and comments have often moved the market, and his continued endorsement could boost Bitcoin's price.



In conclusion, XRP and Bitcoin have the potential to soar 120% and 190% respectively, according to certain Wall Street experts. While market conditions and regulatory developments may impact their trajectories, the fundamentals of these cryptocurrencies remain strong. Investors comfortable with risk and volatility should consider allocating a small portion of their portfolios to these digital assets. As always, it is essential to conduct thorough research and stay informed about the latest developments in the cryptocurrency market.