Ripple XRP Price Forecast: XRP-USD From $2.80 Weakness to Tokenization-Driven Upside

Ripple’s Tokenization Ambition and Market Implications for XRP

Ripple has projected that 10% of global assets could be tokenized by 2030, a transformation it expects to drive efficiency, liquidity, and settlement speed across financial markets. At an estimated global GDP of $164 trillion by 2030, this places tokenized assets near $16.4 trillion in value. Ripple positions the XRP Ledger (XRPL) as the infrastructure for this growth, highlighting scalability, sub-second settlement, and low transaction costs. If XRP were to secure even 15% of this market, the implied market cap would approach $2.46 trillion, driving the token to around $41 per coin based on its current 59.48 billion circulating supply.

But the math behind extreme community predictions — such as XRP reaching $10,000 — quickly collapses under scrutiny. At $10,000, XRP’s capitalization would exceed $594 trillion, several multiples larger than the entire global economy, and even surpassing the total market capitalization of all global financial assets combined. This demonstrates why such moonshot targets are less realistic than structured adoption-driven growth in the $15–50 range by the end of the decade.

XRP-USD Current Trading Levels and Technical Structures

XRP trades at $2.80, down 5.95% week-on-week and nearly 22% below July’s peak at $3.65. Price action since August 2 has been confined within a descending parallel channel, marked by lower highs and lower lows, showing consistent selling pressure. Technical analysis identifies immediate support at $2.63, with risk of deeper declines toward $2.39 if bearish momentum accelerates. On the upside, resistance is entrenched near $2.87–$3.20, and only a decisive break above $3.50 would re-establish a bullish trajectory.

The MACD indicator has remained in bearish alignment since late July, with the blue MACD line under the orange signal line, confirming waning buying power. RSI readings hover near neutral but tilt lower, suggesting caution rather than accumulation.

Whale Accumulation Versus Exchange Balance Pressures

On-chain signals show conflicting forces. Whale wallets have added roughly 340 million XRP (≈$1 billion) in the last two weeks, a supportive sign that reduces circulating supply. This accumulation often precedes medium-term stabilization as fewer coins are available for open-market sale.

Yet at the same time, exchange reserves have climbed. Glassnode data shows 3.32 billion XRP worth $9.3 billion held on exchanges, a 2% increase since late August. When balances shift from private wallets to exchanges, it signals potential intent to sell. The result is heightened liquidity that, if unmatched by demand, can push prices lower. Binance alone now hosts more than 3.55 billion XRP, its largest recorded balance, increasing the risk of continued sell-offs.

This divergence highlights the tension between bullish long-term whale confidence and near-term bearish liquidity pressure. Traders must track exchange flows daily, as a sharp inflow often precedes corrections.

Legal Clarity, Institutional Liquidity, and Stablecoin Integration

The resolution of Ripple’s case with the SEC, declaring XRP not a security on exchanges, was a landmark for the asset. This legal clarity has strengthened institutional sentiment, paving the way for broader adoption of Ripple’s cross-border settlement solutions. XRPL upgrades are rolling out Ethereum-compatible smart contracts and the RLUSD stablecoin, designed to enhance on-chain liquidity and attract DeFi adoption.

If RLUSD integrates successfully, it could anchor liquidity pools across XRPL, tightening spreads and encouraging institutional usage. Such upgrades bolster the thesis of XRP as a settlement layer not only for tokenized assets but also for real-time global payment systems.

Market Comparisons and Competing Narratives

XRP’s utility in payments differentiates it from pure speculative assets like Solana (SOL) or meme projects such as BullZilla. Solana’s current valuation at $210 relies on scalability and dApp adoption, while XRP leans on tangible institutional use cases. Meme coins may promise short-term surges, but XRP’s trajectory rests on structural adoption across banks, fintechs, and tokenization.

Still, XRP faces competition from stablecoins like USDC and USDT, which already dominate transactional settlement. Unless XRP can capture niches where stability and decentralization align, adoption may remain capped.