Should You Invest in Ripple (XRP) at $100? Reality or a Pipe Dream?
2025 marks a new chapter for Ripple (XRP), as the cryptocurrency continues to attract renewed interest from institutional investors, the crypto community, and governments exploring the integration of blockchain technology into their national payment infrastructure. Trading around $2.15 and holding a market capitalization of over $123 billion, XRP is once again raising the age-old question: Can it reach $100?
Market Situation and Actions from Major Players
XRP is trading in a narrow range between $2.15 and $2.17, while technical indicators remain slightly tilted toward a short-term correction. However, it is worth noting that “whales” are quietly accumulating XRP with over 200 million tokens in a week, showing that confidence in the long-term uptrend is still intact.
In addition, on-chain activity recorded a $64 million transaction transferred to Coinbase – a potential sign of a new wave of institutional investment.
Another key factor is the ProShares XRP ETF, with an approval rate priced by the market at 80%. If approved on May 14, this could be a strong catalyst for XRP to break out of the current accumulation zone.
In parallel, XRP adoption in Asia is expanding rapidly – especially in Japan, where 80% of banks are expected to integrate XRP into their payment systems by the end of the year. In addition, Ripple has also reached many agreements to develop CBDCs with developing countries, and has even been included in the roadmap for interbank payments by JP Morgan.
All of these factors reinforce XRP’s core role as a fast, cheap, cross-border money transfer vehicle.
Can XRP reach $100? And when will it happen?
A $100 price for XRP would require a real revolution in global payments, coupled with strong institutional participation.
According to current valuation models:
By the end of 2025: XRP could reach $5.81 if ETF approval and institutional inflows continue.
2026 – 2028: Forecasts are $8.64 → $12.25 → $16.53.
2030: XRP could reach $26.97 – an optimistic but still feasible scenario.
However, for XRP to reach $100, its market cap would have to surpass $5 trillion – which may not happen before 2035 – or may never happen without a global policy breakthrough.
Rexas Finance (RXS): Potential Competitor or New Breakout Opportunity?
While XRP is a symbol of stability and banking cooperation, Rexas Finance (RXS) represents a new trend – tokenizing real-world assets (RWA).
Currently, RXS is in its final presale phase at $0.20, after a 566% increase from $0.03. The project has raised over $48.6 million with over 463 million tokens sold, attracting strong attention thanks to its business model that combines:
Rexas Token Builder: Easily tokenize assets.
Rexas Launchpad: Fundraising Platform for RWA Projects.
AI NFT Generator & Yielding Treasury Fund: Adding Value to End Users.
Official Listing Date: 19/06/2025 on Top CEXs, Pre-IPO at $0.25/Token.
RXS Price Forecast:
Q1/2025: Could reach $15 – 75x increase.
2040: Potential $500 target, according to BlockDAG.Network.
However, with high potential comes high risk. RXS is still in its development phase and may be affected by market momentum as well as direct competition from other RWA projects such as Realio, Centrifuge or tokenized BlackRock funds.
Conclusion: XRP or RXS – or both?
XRP offers certainty, backed by a large network of partners and an increasingly clear regulatory position. However, the $100 dream may take more than a decade to come true, if ever.
RXS is a dark horse of the 2025 market with the potential for exponential growth, but requires a high risk tolerance and a long-term vision.
Recommended strategy: Smart investors can consider a portfolio with a flexible allocation between the stability of XRP and the explosive potential of RXS, taking advantage of both strengths: the safety of traditional financial infrastructure and the growth of future DeFi.
