The latest XRP price prediction suggests a bold future for the token, with some analysts and Ripple supporters eyeing a potential surge to $38. This expectation hinges on Ripple’s long-standing ambition to replace outdated international payment systems like SWIFT, offering real-time settlement, low fees, and cross-border flexibility.
Ripple’s underlying blockchain, XRP Ledger (XRPL), has already processed more than 2.7 billion transactions, positioning itself as a serious contender in the world of institutional finance.
XRP Price Prediction Rises as Ripple Challenges SWIFT
Ripple argues that the current infrastructure used by SWIFT is slow, expensive, and inefficient. By contrast, XRP Ledger enables transactions in 3–5 seconds with minimal cost, making it attractive to banks and financial service providers seeking to modernize cross-border payment rails.
Unlike speculative cryptocurrencies, XRP functions as a bridge currency that instantly converts between local fiat currencies without requiring pre-funded accounts. This functional utility is what drives many to believe that the XRP price prediction of $38 is not merely hype — but a feasible outcome.
XRP Price Prediction Backed by Real-World Use Cases
Ripple CEO Brad Garlinghouse has consistently emphasized that XRPL is not just a fast blockchain — it is also designed to serve as infrastructure for central bank digital currencies (CBDCs). Given XRPL’s centralized architecture and compliance capabilities, it is increasingly being considered as a foundation for state-level financial solutions.
This potential integration with sovereign institutions could dramatically increase demand for XRP tokens — supporting the bullish XRP price prediction now gaining traction in the crypto space.
XRP’s Institutional Role Strengthens Price Expectations
Unlike meme coins that surge on sentiment alone, XRP has a defined use case and a growing ecosystem of enterprise partnerships. Its ability to settle international transactions without friction positions it as a real-world solution for financial institutions, not just crypto enthusiasts.
As global economies shift toward digital-first models, Ripple’s mission to replace SWIFT could materialize further — and drive XRP value with it.
Conclusion: Is $38 an Unrealistic XRP Price Prediction?
The $38 XRP price prediction depends on continued institutional adoption, CBDC integration, and Ripple’s ability to scale its infrastructure globally. While risks remain — including legal and regulatory hurdles — the fundamentals of the XRP Ledger present a strong case for long-term growth.
If Ripple successfully executes on its vision, XRP could become more than just a crypto token — it could be a core layer of the future financial system.
