A bold XRP price call is making the rounds again. Market commentator Zach Rector recently said XRP could reach $100 by 2030, even as the token struggles to regain momentum in the current market.
The prediction comes at a time when XRP is trading near $1.85, after losing the $2 level and flipping it into resistance.
Rector shared the forecast while also discussing silver, another asset often compared to XRP by parts of the community.
While the two assets have moved in very different directions this year, he believes both could eventually reach three-digit prices.
What you'll learn 👉
XRP Current Position vs the $100 Target
Ripple’s XRP has had a difficult year. The token is down 10.73% in 2025 and has struggled throughout the fourth quarter alongside the broader crypto market. From the current price, XRP would need to rise by about 5,305% to reach $100.
Supporters of this view often point to XRP past. In the cycle spanning 2017-2018, XRP went from $0.003 to $3.31, an increase of over 66,000 percent in less than a year.
When contrasted against this trading decision, the jump from $1.85 to $100 doesn’t seem so impressive on paper; it is about one-twelfth the size of the initial trading decision. Such a comparison has been used in the past as an argument that a $100 XRP is possible.
Further, there is a crucial difference between the current situation and the one existing in 2017. XRP is no longer a small asset. Its market cap is much larger, which means far more capital is needed to push the price higher. This is where the idea of diminishing returns comes in.
A market expert has presented new timelines for XRP and silver to each reach a three-digit valuation.
— TheCryptoBasic (@thecryptobasic) December 24, 2025
This year, XRP and silver (XAG) have had contrasting price performances. While XRP has struggled throughout the fourth quarter of the year alongside the rest of the crypto…
Early-stage crypto assets can move fast because they start from a low base. As they grow, each additional dollar of price increase requires more liquidity.
This isn’t something unique to XRP. Every large crypto that has already gone through full market cycles faces the same limits as it grows.
That’s why many analysts stay careful with their forecasts. Changelly, for example, expects XRP to peak near $16.65 by December 2030, well below the $100 target.
Read Also: This Is Why Bitcoin (BTC) Price Refuses to Leave $85K–$90K Zone
Why Silver Looks Different in This Comparison
Rector again equated XRP to the value of silver, but the statistics clearly indicate otherwise. Silver has been one of the best-performing assets in the current year.
It has shown an increase of 54% in the current quarter and 149% in 2025. It has settled at around $71.6 per ounce.
At this price, silver only needs to appreciate by 39% in order to reach $100. Today, the market capitalization of silver is close to $4.03 trillion, while it would reach approximately $5.62 trillion if silver is valued at $100 per ounce. That jump is large, but far more modest than what XRP would need to achieve.
Rector still believes $100 is possible, even suggesting it could happen as early as 2026. Others go further. Robert Kiyosaki has even talked about prices as high as $200, though those views sit at the far end of the spectrum.
Big Targets For XRP, Very Different Paths
The comparison highlights the gap between aspiration and probability. Silver is already close to the $100 mark and has strong momentum.
The XRP price, on the other hand, would need a multi-cycle shift in adoption, liquidity, and market structure to reach $100 within five years.
That does not make the prediction impossible.However, it does make it quite ambitious. But for now, XRP enthusiasts are buoyed in the long-term narrative, while more tentative analysts simply aim for smaller incremental gains.
Ultimately, the discussion revolves around the realm of “expectations.” A $100 XRP would require extraordinary conditions. Whether those conditions appear by 2030 remains the open question.
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