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At $100 per token, XRP’s market cap will reach $6.1 trillion in current use and $10 trillion when fully realized, making it the most valuable of any publicly traded company.
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The CTO Emeritus of Ripple, David Schwartz, says that $100 XRP is impossible, arguing that if investors truly believe in a 10% chance of $100, they will not sell at $1.40.
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A recent study identified one trend that doubled Americans’ retirement savings and moved retirement from a dream, to a reality. Read more here.
XRP (CRYPTO: XRP) is down more than 60% from its 2025 high of $3.65, with five straight monthly losses from October to February. At $1.40, many long-term holders are asking one question: Can XRP reach $100?
If there is one cryptocurrency that is capable of an unexpected explosion, it has to be XRP. The price of XRP increased more than 60,000% previously, and although it has a large supply now, an increase of more than 7,000% to $100 from $1.40 is difficult but not impossible.
So what could trigger XRP’s rally to reach $100? Let’s find out.
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Most Americans underestimate how much they need for retirement and overestimate how much they are prepared for. But the data shows that people with one habit have more than twice as much income as those who do not.
XRP has 61.1 billion tokens in circulation currently, with a maximum supply of 100 billion. At $100 per token, that puts XRP’s market cap at $6.1 trillion, making it the most valuable of any publicly traded company in the world. Nvidia, the current leader, is sitting at about $4.4 trillion, while the entire crypto market, including Bitcoin, is worth about $2.3 trillion today. XRP alone at $100 would be worth almost three times the entire crypto market.
To make things look more realistic, we reduced the numbers a bit with the same current offer, and they still seem ambitious. XRP at $5—which is still one of the top goals that many want crypto to reach—means a market cap of $305 billion, roughly where Ethereum has reached the most.
At $10 per XRP, you’re looking at $611 billion, clearing Ethereum’s peak and approaching half of Bitcoin’s current valuation. Standard Chartered’s 2030 target of $28 puts XRP at $1.7 trillion, which is where Bitcoin is today and assumes Ripple taking a significant share of the $150 billion cross-border payments market over the next decade.
Now enter the total amount of 100 billion tokens. If all tokens were distributed, $100 XRP would mean $10 trillion of market capitalization—that’s about half of the US stock market. The total market value of gold is estimated at $20.5 trillion, and it took centuries to get there. XRP at $100 is already worth a third of all the gold ever mined in human history.
All of this points to one thing: XRP could reach $100, but it should be poised to become the biggest financial instrument in history—and only time will tell if that can happen.
On January 30, 2026, CTO Emeritus of Ripple, David Schwartz, answered the question that many always ask him in his X account: Can XRP reach $100 or even $50? His argument was simple: if reasonable investors truly believed there was a 10% chance of XRP hitting $100 within a few years, they wouldn’t let it trade below $10. They will be buying every brand they can get their hands on. The fact that XRP is sitting at $1.40 tells you what the market really believes, regardless of what people say on the internet.
Despite his stance, Schwartz was aware that he could call XRP reaching $100 impossible. He admitted that he once sold his own XRP at $0.10 because he didn’t think it would ever reach $0.25, and talked about Bitcoin at $100 once it seemed like an impossible dream. His point was not that XRP at $100 will never happen, but that people who say it is around the corner are “not telling the truth” based on how the market is behaving now.
Some supporters of $100 argue that XRP can achieve its goals if the right catalysts are aligned: the ETF enters large enough to dry up the supply of the exchange, banks settle directly on XRP rather than just using Ripple’s messaging tools, XRP becomes a bridge currency for the transfer of CBDC between central banks, full clarification of the regulation in the CLARITY center for attracting broadcall capital.
If investors truly believed they were all coming, Schwartz says, they wouldn’t be selling at $1.40—they would be aggressively accumulating, and the price would just reflect that.
Standard Chartered’s conservative forecast puts the price of XRP at $2.80 by the end of 2026, which is a 100% gain from $1.40. It doesn’t sound amazing near $100, but it’s the kind of return the stock market takes almost a decade to deliver, and Standard Chartered is calling it within a year.
Bullish XRP price predictions for 2026 are between $5 and $8. XRP at $5 is a 257% gain and a market cap of $305 billion, roughly where Ethereum peaked. At $8, you’re looking at a 471% gain and a market cap of $489 billion, which would make XRP the second largest crypto behind Bitcoin. Getting there requires Bitcoin to break $75,000 and rise back above $100,000, continued ETF demand pushing XRP out of the trade, and a macro environment that doesn’t punish riskier assets the way 2026 has done so far.
In addition, Standard Chartered projects the price of XRP to reach $7 in 2027, $12.60 in 2028, $19.60 in 2029, and $28 in 2030. At $28, the total market of XRP reaches $1.7 trillion, which is where Bitcoin is today and which means 0 returns 0%, 9. Those numbers assume that Ripple continues to increase its banking partnerships and the number of cross-border payments continues to grow. Even the middle of that range, somewhere around $10 to $15, could put XRP past Ethereum’s market peak.
Calling $100 XRP impossible would be the same mistake people make when they say Bitcoin will never hit $100, or when Schwartz himself sells XRP for $0.10. But getting there requires XRP to become the world’s most valuable financial asset outside of gold, and no digital asset has ever come close to pulling that off. Most analysts who take the $100 target place it somewhere in the mid-2030s at the beginning, and only if Ripple’s technology is embedded in the way global finance works.
XRP price does not need to reach $100 to bring serious gains from $1.40. Even the unchanged $2.80 forecast for 2026 doubled within a year, while the $28 target for 2030 implies a 1,900% gain. Catalysts to watch from here are incoming ETF trends, whether banks start settling directly on XRP rather than using Ripple’s messaging tools, and how the broader crypto market reacts when the big trends change. Those are the triggers that will determine whether XRP reaches $5, $10, or $28 long before $100 enters the conversation.
Most Americans underestimate how much they need for retirement and overestimate how much they are prepared for. But the data shows that people with one habit have more than that twice the savings of those who do not.
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