What 10,000 XRP Could Be Worth by 2028

XRP started 2026 at $1.84 and rose to about $2.40 by January 6, a roughly 25% weekly gain driven by ETF inflows and rotation back into large-cap crypto. The move briefly pushed market capitalization above $85 billion and kept XRP in fourth place by market cap. Despite the rally, XRP trades far below its July 2025 cycle high of $3.65, leaving substantial room for recovery. After renewed selling pressure, XRP is quoted at $1.36, making 10,000 XRP worth about $13,600 before fees or taxes. Investor interest remains supported by five spot XRP ETFs holding $1.13 billion in assets under management. Price targets through 2028 depend on regulatory progress, continued ETF inflows, and increased settlement usage on the ledger.

"XRP opened 2026 at $1.84 and shot up to about $2.40 by January 6, a 25% jump in a single week as ETF inflows poured in and money rotated back into large-cap cryptos. That run briefly lifted its market cap past $85 billion and kept it fourth by market cap."

"The key point for what comes next is that XRP is still 63% below its July 2025 cycle high of $3.65, and that's exactly why some holders haven't dumped their bags. There's a lot of ground to recover before XRP is even retesting prices it has already seen."

"After renewed selling pressure over the past few weeks, XRP is trading at $1.36. So, 10,000 XRP tokens would cost roughly $13,600 before exchange fees or taxes. Meanwhile, XRP's investor interest has held up despite the pullback. The five spot XRP ETFs still hold a combined $1.13 billion in assets under management, a sign that most traders aren't rushing for the exit."

"The 2026 and 2027 targets are recovery steps, not moonshots. A move back to $2 this year mostly depends on the CLARITY Act clearing the Senate and ETF inflows continuing to build, because regulatory certainty is what brings in the institutions that have stayed on the sidelines. The $3 target in 2027 then assumes that demand holds and Ripple converts more of its payment partnerships into real settlement volume on the ledger."

Read at 24/7 Wall St.