XRP News Today: XRP Could Hit $39 by 2040 Boosting $36K Investment to $1.88M

Ripple’s XRP continues to attract attention as a potential long-term investment vehicle, with models suggesting that consistent, disciplined investing—such as allocating $200 monthly—could lead to substantial wealth accumulation if the token achieves significant price appreciation. According to TheCryptoBasic, an investor who commits $200 each month for 15 years would have invested a total of $36,000. If XRP reaches a price of $39 per token—equivalent to a $2.33 trillion market cap, matching Bitcoin’s current valuation—this strategy could yield a portfolio valued at around $1.88 million, assuming an average purchase price of $0.45 [1].

The outcome of such a strategy depends heavily on the average buy price. For example, if an investor acquires XRP at an average of $0.45, they would end up with approximately 80,000 tokens, which at $39 would be worth nearly $3.12 million. However, if the average purchase price rises to $3.50, the investor would hold only about 10,286 tokens, translating to a value of around $399,994 [1]. This underscores the importance of early accumulation in the XRP strategy.

The price trajectory of XRP is a key factor in determining the success of such an investment plan. In 2024, XRP traded below $0.50, offering more favorable entry points, but has since fluctuated between $2 and $3, making large-scale accumulation at low prices increasingly difficult. Analysts like Dustin Layton have suggested that XRP could surpass $39 much earlier than 2040, potentially within this year, while Bitwise has set a $30 price target for 2030 [1].

Other forecasts present a broader range of outcomes. Telegaon projects a price of $160 by 2040, and Changelly envisions a dramatic $2,053 per token in 15 years [1]. While these projections are speculative, they reflect the growing optimism around XRP’s future utility and adoption. If XRP were to reach $326—100 times its current valuation—then a $10,000 investment could potentially grow to $1 million [2].

XRP has shown moderate gains in recent months, reaching $3.20 in 2025, but it has yet to surpass its 2018 peak of $3.84 [3]. Despite this, metrics such as a 5% rise in mindshare over the past week suggest a gradual return of investor interest [3]. Additionally, the token has benefited from the resolution of the U.S. Securities and Exchange Commission legal case, which has improved its institutional credibility [1].

While XRP remains a focal point for many investors, the broader cryptocurrency market is witnessing rising interest in alternatives such as Solana (SOL), which has seen rapid price growth. However, XRP’s position as a foundational asset in cross-border payments gives it a unique edge in the market [5]. A key lesson from these analyses is that timing and strategy—particularly dollar-cost averaging—are critical components of long-term success in the crypto space. Investors must remain patient, disciplined, and aware of the volatility that characterizes this asset class [1].

Source: [1] https://coinmarketcap.com/community/articles/68a0d647e7b632291e066e9c/

[2] https://www.bitcoininsider.org/article/283118/eth-eyes-10000-and-xrp-10-coin-priced-under-0005-will-reach-050-first-2025

[3] https://www.aol.com/investors-worried-xrps-pullback-091000902.html

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

[5] https://www.mitrade.com/insights/news/live-news/article-3-1045631-20250817