Should You Buy Ripple (XRP) and Hold Until It Hits $100?

Renewed investor confidence, rising interest from institutions, and excitement around potential ETF approvals have all pushed the token back into the spotlight. Now priced at $2.41 with a market cap over $141 billion, many crypto enthusiasts are wondering if it’s smart to buy and hold XRP until it hits $100. But is that a realistic target or just a dream?

What's Happening in the Market Right Now

At the moment, XRP is trading within a narrow range between $2.15 and $2.51. Technical analysis on both the daily and three-day timeframes shows some bearish pressure, and if the price breaks down, we could see it drop to $2.00 or possibly $1.95. Still, the underlying data tells a more interesting story.

Whale activity has picked up, with over 200 million XRP tokens quietly accumulated in the last week alone. A $64 million transaction to Coinbase has also raised eyebrows, hinting that some institutions may be positioning for something big.

There is also growing anticipation around the possible approval of a ProShares XRP ETF, which could be announced by mid-May. Current prediction markets are putting the odds of approval at around 80 percent. This potential ETF, combined with Ripple's global expansion, is giving investors plenty of reasons to stay bullish.

Adoption and Partnerships Are Fueling Optimism

XRP’s real-world use case continues to grow. In Japan, nearly 80 percent of banks are planning to integrate XRP into their systems by the end of 2025. Ripple has also secured partnerships with several governments and financial institutions working on central bank digital currencies.

Even JP Morgan has acknowledged XRP’s usefulness for banking settlements. These developments support XRP’s core function as a fast and cost-effective tool for international payments. The utility is clearly there, but the bigger question remains: can it drive XRP all the way to $100?

How Realistic Is a $100 XRP Price?

Reaching $100 would require massive global adoption, a dramatic increase in trading volume, and a market cap that rivals the biggest tech companies in the world. While not impossible, it is certainly a tall order.

Analysts have offered more grounded projections. If things go well in 2025, XRP could reach $5.81 by year-end. In 2026, with more institutional use, it might climb to $8.64. If the trend continues, the token could rise to around $12.25 by 2027 and potentially hit $16.53 by 2028. Some forecasts suggest XRP could reach $26.97 by 2030.

So while $100 is not completely off the table, it is likely a long-term target. Based on current growth patterns, XRP would need more than a decade to get anywhere close to that figure. Realistically, we might not see that level until 2035 or later.

Is It Worth Holding XRP Long Term?

XRP continues to show strength as a project with real-world utility and growing institutional adoption. For investors with patience and a high risk tolerance, it may be worth holding as a long-term bet. However, the road to $100 will not be quick or easy.

It’s important to remember that XRP remains a volatile asset. Anyone planning to hold it until it hits triple digits should do so with a clear understanding of the risks involved.

XRP’s fundamentals are strong, and its role in the future of cross-border payments is only becoming more important. While the idea of XRP reaching $100 gets plenty of attention, it is not likely to happen in the next few years. Investors should focus on what is more realistically achievable. A price between $10 and $30 by 2030 is a more grounded expectation.

Whether you decide to invest or not, XRP’s journey is far from over. As always, do your research, manage your risk, and think long term.