XRP News Today: Bitwise Projects XRP Could Hit $29.32 by 2030 in Max-Case Scenario

Bitwise, a leading crypto asset manager, has released a detailed projection model outlining how high XRP’s price could climb by 2030, using a capital asset pricing model (CAPM) framework [1]. The firm presented three distinct price scenarios—bear, bull, and maximum growth—factoring in regulatory developments, market adoption, and crypto market dynamics over the next five years. Each scenario incorporates XRP-specific variables such as regulatory clarity and major partnerships, as well as a beta coefficient of 1.92, indicating a high sensitivity to broader market movements [1].

According to the bear-case scenario, weak adoption and high volatility could drive the XRP price down to $0.13 by 2030, from a starting point of $3.08, representing an annualized return of -59% [1]. In the more balanced bull-case scenario, with stable regulatory conditions and moderate volatility, XRP could rise to $12.68, offering a 27% annual return. The most aggressive max-case scenario suggests that if XRP gains a significant share of the global payments and tokenization markets, its price could climb to $29.32, translating into a market cap of $2.9 trillion—roughly 13.8% of Bitcoin’s projected value if BTC reaches $1 million [1].

The model accounts for historical volatility through a discount factor, which lowers expected returns to reflect XRP’s price swings. Bitwise emphasizes that even modest market shares in large financial sectors can lead to substantial price appreciation [1].

Real-world usage of XRP is already expanding, with companies like SBI Remit and MoneyMatch deploying XRP-based solutions for cross-border payments. The XRP Ledger also supports tokenized assets and decentralized identity tools, making it an appealing option for institutions exploring tokenization. Bitwise noted that XRP’s 400% price rally in Q4 2024 was fueled in part by a more crypto-friendly U.S. administration and reduced legal pressures [1].

Separate from Bitwise’s analysis, external analysts have extrapolated potential outcomes for XRP. One independent forecast estimates that if XRP reaches $100 by 2030, an initial $500 investment could grow to over $17,000 [2]. Another analyst predicts XRP could hit $26.97 by 2030, driven by continued market momentum and ecosystem developments [3].

Market data as of August 2025 indicates a shift in XRP’s wealth concentration. The amount of XRP needed to enter the top 10% of holders has slightly decreased, while the total value of these tokens has increased [4]. This reflects a broader trend of rising prices, with XRP peaking at $3.66 earlier in the summer before retreating. The cost of entering the top 1% has also increased significantly, with the total value of required holdings rising by over $35,000 [4].

While some analysts have raised concerns about XRP’s increasing exclusivity, others remain optimistic. Bitwise’s broader market outlook, which includes positive projections for Bitcoin and other major crypto assets, underscores a favorable long-term environment for XRP [6]. However, the token’s future will ultimately depend on a combination of regulatory developments, adoption rates, and broader market sentiment.

A more conservative projection from Bitget suggests XRP could see a 5% annualized growth rate, reaching approximately $0.0127 by 2030 [5]. This model, however, is considered a separate scenario and does not reflect a consensus view.

Source: [1] https://coinmarketcap.com/community/articles/68927ffb224d8d2a95dd864a/

[2] https://www.facebook.com/photo.php?fbid=737279575851920&set=a.130****63246274&type=3

[3] https://www.yahoo.com/entertainment/articles/tech-making-car-insurance-more-174505951.html

[4] https://thecryptobasic.com/2025/08/04/xrp-rich-list-update-reveals-how-much-you-need-now-to-be-among-top-10-and-top-1/

[5] https://www.bitget.com/price/xrp-2.0/price-prediction

[6] https://cryptodnes.bg/en/tag/bitcoin/page/42/