XRP currently trades at $2.95, but its price could top $7 by late 2030.

XRP ( XRP 0.97% ) has advanced 725% in the last three years, with most of those gains coming in the last 12 months following President Trump's election and the SEC's decision to end its lawsuit against Ripple, a fintech company that uses the XRP blockchain to facilitate payments for businesses and financial institutions.

Geoff Kendrick at Standard Chartered anticipates more gains as XRP plays a larger role in the global financial systems and XRP ETFs bring more investors to the market. He estimates XRP to reach $12.25 by 2029. That implies 315% upside from its current price of $2.95, which is equivalent to annual returns of 43%.

That seems overly optimistic. Morningstar analysts expect the broader cryptoc

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