XRP’s Path to $25: Bitcoin Veteran Drops Bombshell Timeline Prediction

Forget moon shots—this Bitcoin whale just mapped XRP's trajectory to banking's holy grail.

The $25 Question

While Wall Street analysts debate decimal points, cryptocurrency's old guard sees tectonic shifts ahead. One Bitcoin investor with skin in the game since 2013 just threw conventional projections out the window.

Regulatory Dominoes

XRP's fate hinges on clearer regulatory frameworks—the kind that make traditional finance lawyers break out in cold sweats. As global jurisdictions scramble to draft crypto rules, this prediction assumes regulatory hurdles will crumble faster than a weak-handed trader's portfolio.

Adoption Tsunami

Cross-border payment corridors are primed for disruption. The investor's model factors in institutional adoption at scales that would make SWIFT executives reconsider their career choices. Banks testing digital asset integration could trigger domino effects that rewrite global liquidity rules.

Market Math or Madness?

Reaching $25 would demand a market cap that currently seems ludicrous—until you remember Bitcoin's own impossible-seeming rallies. The prediction banks on perfect storms of regulatory clarity, institutional FOMO, and retail momentum converging like triple witching hour on steroids.

Of course, this assumes traditional finance won't try to regulate cryptocurrencies into spreadsheet-friendly boredom first.

Community Predicted Targets

Social media has become the loudest forum for price calls. One long-time Bitcoin investor active since 2013, who posts as Pumpius, put a $25 target on XRP before 2026 — a move that would mean over nine-fold gains from current levels.

#XRP to $25 before 2026 https://t.co/7GMFJ9psR9

— Pumpius (@pumpius) September 24, 2025

Other voices have offered different ceilings: Alex Cobb has floated $22 by December, some expect $10, while a few see at least $5 as a nearer-term milestone.

A handful of commenters even suggested figures above $30, tying those hopes to potential ETF flows. Replies on the thread ranged from bullish cheers to reminders to aim for smaller wins first, like cracking $4.

ETF Interest And Market Flows

Based on reports, Optimism around potential XRP ETFs is a core driver behind the larger forecasts. Executives such as the CEO of Canary Capital have suggested that ETFs could open the door to billions of dollars of new inflows.

That thesis has brought new life to bull cases and provided momentum to speculation about double-digit prices. Meanwhile, market behavior has been mixed: XRP had its strong periods in January and once more in July, yet momentum was lost thereafter, leaving traders hesitant as they balance ETF optimism with subsequent price weakness.

XRP is seen to have a lower dormancy rate than Bitcoin and ethereum in recent chain data. That indicates the units of XRP change hands more frequently, which generally means active usage — payments, transfers, and liquidity trades.

Reports indicate that Bitcoin’s higher dormancy corresponds with a stronger “store of value” mental attitude, whereas Ethereum’s dormancy corresponds with developer and DeFi activity.

XRP’s active circulation fits Ripple’s long-stated push to make the token a bridge asset for payments, rather than a coin mainly held for long-term gains.

If transactional use continues to rise, it may help XRP build a case as a utility-driven asset. But higher movement alone does not guarantee price appreciation.

Accumulation patterns also matter: assets that are hoarded tend to build scarcity narratives that can support higher valuations.

Analysts and investors will likely watch whether greater on-chain use is matched by fresh buying pressure, including from institutional products, before updating their long-term views.

Featured image from Unsplash, chart from TradingView