Forbes: The Next 5 Years Will Determine XRP – From Legal Clarity to the Global Payments Race

According to Forbes, the next 5 years for XRP will depend on whether it can turn legal transparency into real payment applications and stable liquidity. This token is trading at $3, up 4% over the past seven days. Its market capitalization is around $176 billion. This brings XRP back to the top three cryptocurrency assets by market cap. The Clarity of Regulations Provides XRP with a Favorable Start In July 2023, a U.S. court ruled that the sale of XRP under the program on public exchanges is not a security, while some institutional sales are still under scrutiny. This issue will be discussed again in August 2025 when both the SEC and Ripple reject the appeal, upholding that divisive ruling. That step has removed a longstanding legal barrier that discouraged many organizations from entering the United States. Market Overview and Tools on Chain Reports indicate that the recent peak prices vary by source — $3.84 on some tracking tools and $3.65 on others — but liquidity metrics have improved. The XRP ledger processes transactions within three to five seconds and often charges under $0.01. In March 2024, the ledger added an automated market maker on-chain through the XLS-30 amendment.

Payment and Money Transfer Can Drive Demand Forbes reported that global remittances to low- and middle-income countries will exceed 680 billion dollars in 2024, with an average fee of nearly 6%, while the United Nations' target is 3%. Ripple is currently operating production corridors with partners such as SBI Remit in Japan and Onafriq in Africa, connecting payments to the Philippines, Vietnam, Indonesia, and 27 African countries. If fund managers and regulators in those corridors accept cryptocurrency, XRP could gain a steady flow of funds driven by utility rather than pure speculation. New Products and Channels for Investors Ripple launched RLUSD, a dollar-backed stablecoin, in 2025 with reserves held at BNY Mellon. Several issuers have submitted S-1 and 19b-4 forms for XRP spot products in the US. These filings could create a new bridge channel if approved. According to Finder's team of experts in July 2025, the average price of XRP is expected to be $2.80 by the end of 2025 and $5.25 by 2030 — forecasts dependent on the level of adoption, liquidity, and market approaches such as ETFs. Where Can XRP Stand in the Next Five Years According to Forbes, if the trading volume shifts from fiat and stablecoins to XRP, and if custody channels and ETFs open up, demand could experience sustainable growth. In that scenario, the upward price momentum will be supported by both real payment flows and passive investment. If these factors do not align — if stablecoins dominate the market, if CBDCs attract attention, or if enforcement issues persist — XRP may still be widely traded but will be limited in its use for real payments.