Wall Street Analyst Explains How $15,000 in XRP DeFi Could Make You a Millionaire

Ripple’s XRP is getting fresh attention after Wall Street analyst Rob Cunningham shared a bold new projection. He believes that just $15,000 invested in XRP DeFi today could grow into more than $1 million over the next decade

TheCryptoBasic reported his outlook as Ripple rolls out major updates for institutional decentralized finance (DeFi) on the XRP Ledger (XRPL).

Ripple’s Big DeFi Push

Ripple has been busy upgrading the XRP Ledger to attract institutional investors. The network now processes over $1 billion in stablecoin volume every month and is expanding into real-world asset tokenization

New tools such as Credentials for compliance checks, Deep Freeze to stop illicit transfers, and an upcoming native lending system called XLS-65/66 are all designed to make DeFi on XRPL secure and regulatory-friendly

Ripple is also developing zero-knowledge proofs and confidential multi-purpose tokens to add privacy while keeping transactions verifiable. These features, expected to roll out through 2026, are aimed at making XRPL a leading platform for stablecoin payments, lending, and tokenized assets.

Cunningham’s Million-Dollar Model

Based on these upgrades, Cunningham laid out a ten-year investment scenario. He suggests locking 5,000 XRP at an average price of $3 each and earning a 5% annual yield, paid monthly in Ripple’s new stablecoin RLUSD

If XRP grows at a 50% compound annual rate, the yield alone could bring in more than $100,000 in interest. At the same time, the value of those 5,000 XRP could climb to around $865,000

His model assumes that one XRP price could be worth about $173 by 2035. For perspective, prediction site Telegaon also sees XRP eventually reaching $170, though on a slower timeline extending past 2040, while Changelly has suggested XRP might even top $1,000 by 2040, which would make 5,000 XRP worth over $5 million without counting staking rewards.

Wall Street Analyst Explains How $15,000 in $XRP DeFi Can Make You a Millionaire With No Risk. #Ripple pic.twitter.com/Mz5i0jXaW8

— TheCryptoBasic (@thecryptobasic) September 23, 2025

mXRP and the “Infinite Money Glitch”

Adding to the buzz, Axelar Network recently launched mXRP, the first liquid staking token on XRPL. It offers an estimated 10% annual yield and lets holders stake their XRP while still keeping it liquid for other DeFi activity

Anodos Finance founder Panos Mekras called mXRP “a dream come true” for XRP investors, pointing to near-zero impermanent loss and strong income potential

Since launch, about $6.5 million worth of mXRP has already been locked, showing early enthusiasm for this new way to earn.

Read Also: Top Analyst Identifies 3 Possibilities for Cardano (ADA) Price This Cycle

A Bold but Risky Outlook For XRP Price

Cunningham’s future vision is an exciting one of what XRP DeFi would hold if adoption continues to grow and Ripple’s new developments pan out.

It’s a risky guess, not a guarantee, but it indicates how XRP evolving world could bring real long-term potential.

For investors willing to deal with the volatility and monitor these new DeFi products, the coming decade could be the turning point for XRP’s place in international finance.

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