Where Will XRP (Ripple) Be in 5 Years?

Key Points

• XRP's value has exploded by nearly 500% over the past year.
• However, mass adoption growth remains a long-term game.
• 10 stocks we like better than XRP ›

The price of Ripple (CRYPTO: XRP) is surging once again. Over the past year, Ripple's valuation has skyrocketed higher by nearly 500%. Looking at the numbers, there could be significant upside yet to go. But what exactly should investors expect from the crypto token over the next five years?

Can Ripple actually replace SWIFT?

Since inception, Ripple's primary goal has been to replace SWIFT: the Society for Worldwide Interbank Financial Telecommunication. SWIFT is the current global standard that financial institutions use for processing transactions. At its core, Ripple believes its network is faster, cheaper, and more secure. But getting big banks to switch over has been a challenge since Ripple was founded.

Over the next five years, expect Ripple to target specific areas to replace SWIFT, versus trying to replace SWIFT wholesale. For example, the project has been gaining incremental adoption in international markets like India, Brazil, and Singapore. Ripple is also working with some central banks on designing Central Bank Digital Currencies. While this doesn't directly add demand to its network, efforts like this help the project inject itself more into the global financial architecture, building trust and reputation.

Image source: Getty Images. Greater trust and reputation is critical for Ripple, especially following several legal settlements and improving regulatory conditions. The SWIFT system transfers more than $5 trillion per day. In the past, Ripple CEO Brad Garlinghouse has projected XRP could eventually command 14% of SWIFT's transaction volume. Compare that to Ripple's $200 billion market cap, and the long-term potential for the project becomes clear.

As history has proven, however, the road will be long and difficult. Investors should expect slow and steady improvements to Ripple's adoption and reputation, not huge leaps and bounds. This is why Ripple as an organization has shifted strategies in recent years, with a great focus today on the nuts and bolts of financial infrastructure -- things like regulatory compliance, network interoperability, and enterprise architectures.

Should you buy stock in XRP right now?

Before you buy stock in XRP, consider this:

The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.

Story ContinuesConsider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $636,628!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,063,471!*

Now, it’s worth noting Stock Advisor’s total average return is 1,041% — a market-crushing outperformance compared to 183% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.

See the 10 stocks »

*Stock Advisor returns as of July 21, 2025

Ryan Vanzo has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends XRP. The Motley Fool has a disclosure policy.

Where Will XRP (Ripple) Be in 5 Years? was originally published by The Motley Fool

View Comments