Crypto experts are buzzing about the future of XRP, especially after Coinbase CEO Brian Armstrong predicted that Bitcoin could reach a staggering $1 million per coin by 2030—putting its total market cap at $21 trillion. He’s not alone. Big names like Robert Kiyosaki and Jack Dorsey are backing similar predictions, believing that increasing institutional interest, including government involvement, will push Bitcoin’s value up over time.

Armstrong specifically pointed out that the U.S. government has shown interest in creating a Bitcoin reserve. If other major countries in the G20 follow this path, demand for Bitcoin could soar. This sets the stage for a massive growth opportunity not just for Bitcoin, but for other cryptocurrencies like XRP.

So what does this mean for XRP? While it’s hard to say exactly where XRP’s price will land if the total crypto market hits $36 trillion, we can make some educated guesses based on current trends. Right now, XRP holds around 4.6% of the crypto market share and trades at about $2.90.

If XRP grows at the same rate as Bitcoin would need to—around 764%—then XRP could be worth around $26.35 by 2030. That would give it a total market cap of about $1.566 trillion. This estimate assumes XRP maintains its current share of the market.

Ethereum, which currently holds a 14.44% share, could hit a market cap of $5.2 trillion under the same conditions. That would place ETH at roughly $43,350 per coin.

However, many analysts think XRP could go even higher than $26 in the years ahead. Historically, XRP has outpaced Bitcoin in terms of growth. For example, over the past year, XRP jumped 407%, compared to Bitcoin’s 88% rise. If that trend continues, XRP could see four times the growth of Bitcoin by 2030.

This opens the door to the possibility of XRP reaching above $100 per token, putting its total market cap near $6 trillion. While this is purely speculative, it highlights XRP’s strong potential in a booming crypto market.

AI tools like ChatGPT have also weighed in, suggesting that if Bitcoin hits $1 million by 2030, XRP could realistically be priced between $20 and $35 based on current market trends. In more optimistic scenarios, that range could go up to $68 or even higher—possibly into triple digits—but this would require widespread adoption and major changes in global finance.

Google’s Gemini AI offers a slightly more conservative outlook, estimating an XRP price between $8 and $42 using market cap comparisons. Meanwhile, X’s Grok AI projects a base-case price range of $15 to $30 for XRP, with a bullish case pushing it up to $100—assuming strong institutional backing and clear regulatory support.

Several factors could help drive XRP’s price higher in the coming years. One major catalyst is the expected launch of XRP exchange-traded funds (ETFs), which are predicted to attract around $5 billion in investments within just four weeks of release. This would mirror what happened with Bitcoin ETFs earlier in 2024, which caused a major price spike.

Ripple’s growing payments business also plays a key role. The company is forming partnerships with big banks like BNY and has introduced RLUSD—a new stablecoin that uses XRP for transaction fees. This creates consistent demand for XRP as a utility token.

On top of that, institutional investors are beginning to hold large amounts of XRP in their corporate treasuries. As of June, eight companies across tech, energy, pharma, and cannabis industries have launched XRP treasury programs totaling nearly $1 billion.

These developments show that XRP is gaining real-world use beyond simple trading or speculation. With growing adoption and strong institutional support, XRP could be on track for significant long-term growth—especially if the broader crypto market reaches trillions in value by 2030.