XRP has recently risen to $3.54 from a low of $2.10 in 2025. Analysts predict it may hit $10 this year, driven by institutional and retail buying. Long-term predictions indicate potential prices between $4.20 and $10+ by 2030 if Ripple achieves widespread payment adoption, with $2.50 being a critical level for monitoring market movements. Recent regulatory developments, including the GENIUS Act and Digital Markets Clarity Act, aim to improve the framework for stablecoins and provide clarity on crypto regulations, with implications for retirement plan investments in cryptocurrencies.
"Long-term forecasts suggest $4.20-$10+ by 2030 if Ripple capitalizes on payment adoption, though $2.50 remains a pivotal level to watch for the next breakout or breakdown," said Ryan Lee, Chief Analyst at Bitget.
The House also voted in favor of the Digital Markets Clarity Act, which could provide a framework for the digital assets industry, including defining the roles of the Securities and Exchange Commission and the Commodity Futures Trading Commission (CFTC).
Helping, cryptocurrencies notched substantial regulatory approval, and on news that 401(k) plans could include cryptos.
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