XRP Price Roadmap: $149 by 2032 If Ripple Captures $18.9T Market Dominance

XRP's astronomical projection hinges on Ripple swallowing the entire cross-border payments market—a bold bet that would make even the most optimistic crypto evangelists blush.

The $18.9 trillion opportunity

Ripple's targeting the colossal cross-border payments sector, where traditional banking moves at glacial speeds and charges outrageous fees. XRP's utility token could slice through the bureaucracy—if adoption actually materializes.

From current prices to $149

The roadmap suggests a staggering climb that would require near-perfect execution and regulatory clarity. That's a lot of 'ifs' for a token that's been battling the SEC for years.

Wall Street's skeptical smirk

Traditional finance won't surrender trillions without a fight—they've got lobbyists and legacy systems that die hard. But then again, they also thought subprime mortgages were bulletproof.

TLDR

• Ripple is targeting the $18.9 trillion tokenization market with its custody and settlement solutions.
• XRP price is projected to reach $10.40 in 2026 and $31.30 by 2028 as adoption grows.
• Forecasts suggest XRP price could hit $54.20 in 2029 and cross $94.00 in 2030.
• Projections show XRP price reaching $118.60 in 2031 and $149.70 by 2032.
• The roadmap implies institutional tokenization and settlement would accelerate between 2026 and 2033.

The xrp price forecast has gained attention after new figures linked it directly to the growth of institutional tokenization. Analysts suggest that Ripple could capture significant value if real-world asset tokenization expands as projected. Digital Perspectives outlined a possible roadmap that connects XRP price with the $18.9 trillion market by 2033.

XRP Price Projections for 2026–2028

Digital Perspectives predicted XRP price could reach $10.40 in 2026, signaling early acceleration in adoption. He suggested $18.00 for 2027, marking stronger momentum in institutional usage of Ripple’s tokenization infrastructure. Moreover, the forecast shows $31.30 for 2028, indicating steady integration of XRP into custody and settlement systems.

The outlined trajectory reflects expectations for regulated, always-on infrastructure supporting institutional demand. Ripple already participates in global tokenization projects, which strengthens the argument for XRP’s expanding role. Each step in the projection assumes greater reliance on Ripple’s technology in settlement pipelines.

If Ripple tokenize all $18.9 Trillion this is the price appreciation according to ChatGPT.😎👇

| Year | XRP Price |
|——|———–|
| 2026 | $10.40 |
| 2027 | $18.00 |
| 2028 | $31.30 |
| 2029 | $54.20 |
| 2030 | $94.00 |
| 2031 | $118.60 |
| 2032 | $149.70 |
| 2033 |… https://t.co/WKRKWTPnV8

— Digital Perspectives (@DigPerspectives) August 19, 2025

The predicted growth underscores how tokenization infrastructure may transition from trials to full-scale execution. “The tokenization market could reach $18.9 trillion by 2033,” Ripple stated, emphasizing its institutional custody focus. This projection highlights how crucial infrastructure maturity will be for supporting XRP price growth.

XRP Price Projections for 2029–2030

Digital Perspectives’ roadmap listed $54.20 as the target XRP price for 2029, showing compounding momentum in tokenized settlement. The figure nearly doubles by 2030, with a projection of $94.00. This forecast highlights how rapid adoption could reshape the digital asset market.

Ripple’s influence in custodial architecture aligns with this outlook, as banks seek compliant, always-on systems. Consequently, XRP price forecasts reflect both infrastructure progress and regulatory clarity. Wider acceptance of tokenized assets WOULD play a vital role in sustaining this momentum.

Market watchers emphasize that the pace of adoption is as notable as the figures themselves. Each projected price signals deeper institutional engagement with tokenized settlement. Therefore, the $94.00 projection suggests XRP price could cross into the triple-digit range earlier than many expect.

XRP Projections for 2031–2032

The roadmap places XRP price at $118.60 in 2031, reflecting accelerating adoption of tokenized real-world assets. By 2032, the projection reaches $149.70, signaling further integration across institutional frameworks. This trajectory suggests XRP could hold a dominant position in tokenized markets.

Ripple’s role as a global player in custody positions it to benefit from scaling tokenization. The company’s projects across regions highlight how its infrastructure supports settlement efficiency. With institutional custody maturing, XRP price forecasts align with broader financial digitization trends.

Digital Perspectives argued that “the final target of $189.00 by 2033 represents full market capture.” Thus, every prior milestone illustrates the incremental path to that potential. Consequently, XRP price projections maintain investor focus on Ripple’s evolving role in tokenized settlement.