XRP News Today: XRP Needs 4,425% Gain to Reach $100, Experts Advise Strategic Planning

XRP, the cryptocurrency developed by Ripple Labs, has been a subject of intense speculation due to its potential for significant growth. Analysts have predicted that XRP could reach a price of $100, which would make many long-term holders millionaires. Currently, XRP is trading at $2.21, and to reach $100, it would need to grow by 4,425%. At this price point, holding 10,000 tokens would be sufficient to become a millionaire.

Crypto veteran Armando Pantoja has outlined a strategy for XRP holders to manage their wealth effectively if the cryptocurrency reaches $100. Pantoja emphasizes the importance of defining a "freedom number," which is the total annual income needed to fund one's ideal lifestyle. This number should be doubled to account for emergencies and unexpected changes. Pantoja also advises against touching the original investment or principal after achieving significant gains. Instead, he recommends building a portfolio that generates sustainable, recurring income through avenues such as interest, dividends, staking rewards, or real estate.

Pantoja stresses the importance of having a written, tested plan in place before the market booms. This plan should outline how and when to take profits, where the money will go, and how it will sustain one's lifestyle. Testing and revising this plan before the market surges can help prevent costly emotional decisions later.

Market expert BarriC predicts that XRP could reach $100 between 2034 and 2040, depending on factors such as regulatory clarity and institutional adoption. Crypto analyst ‘All Things XRP’ noted that XRP can hit $100 without market cap concerns. At $100, XRP’s market cap would be $5.8 trillion, based on a circulating supply of 58 billion tokens. DAG Managing Director Claver also emphasizes the importance of strategic planning and emotional discipline to truly benefit from such price surges. According to Claver, even if XRP reaches $100, it may not transform one's financial situation if critical investment mistakes are made.

The top 100 richest XRP addresses hold significant amounts of the cryptocurrency. For example, the second-richest address holds 5,000,000,220 XRP, and the third-richest address holds 5,000,000,216 XRP. These addresses are likely to see substantial gains if XRP reaches $100.

Despite a recent dip and SEC-related uncertainty, analyst Stock Moe remains bullish on XRP, emphasizing institutional support and long-term utility. Moe defends his bold $300 target for XRP, citing big-money backing and patience-testing market conditions—not failure—as the reason for the delay. XRP is currently trading at $2.37 after a slight 24-hour dip of 2.11%, but it’s still up 0.89% over the week, 13.2% this month, and an impressive 359% over the past year. Since the start of 2025, XRP has gained 14.2% and now holds a market cap of $139.06 billion, ranking as the fourth-largest cryptocurrency.

Reaching the $20 mark would require a 743.88% surge from its current level. According to analyst Stock Moe, this is a crucial support level. If the price fails to hold here, he warns it could slide to $0.226, then $0.213, and even $0.202 in a continued downtrend. Despite the current weakness, Moe says the bigger picture for XRP remains bullish. Moe believes XRP still has the potential to hit $300. He admits this sounds wild and calls it a moment of “opium,” but points to billion-dollar investors who continue to bet on XRP. He says these big players are not worried by short-term noise because they understand the long-term utility of XRP. Moe explains that the delay in XRP’s breakout is not a failure, just a test of patience.

Moe notes XRP has broken below the Bollinger Bands for three straight days. This usually signals a test of the 13 or 50-day EMAs. If XRP drops below $0.213, it could move to $0.202 or $0.172. However, Moe dismisses extreme bearish calls for $0.160, saying the charts do not support such a move. He sees the current action as a response to uncertainty, not a collapse. The market reacted negatively to the delayed SEC response, causing panic selling. Moe says this fear is emotional and not based on fundamentals. He believes short-term holders are giving up, while long-term investors will benefit from staying calm.

Moe is confident in XRP’s future and is backing his belief by partnering with Gemini. He is offering users $25 in XRP for trading $100, showing his continued support. He says the $300 goal is not hype but a reflection of where XRP could go if real use cases take off. Moe ends by saying XRP’s rally is just slow, not dead, and those who wait may be the ones who win big.