XRP price has regained momentum in 2025 following major regulatory and a native stablecoin launch. Here’s how far $10,000 worth of XRP could reach by Citi Group’s recent prediction materialises.

XRP price has regained momentum in 2025 following major regulatory and a native stablecoin launch. Here’s how far $10,000 worth of XRP could reach by Citi Group’s recent prediction materializes.

What Happened: Ripple (XRP) maintained crucial support despite weekend recess, while market activity thinned. Nevertheless, Ripple (XRP) showed resilience in pricing over the weekend despite reduced trading volumes.

After closing Friday at $2.13, XRP dipped slightly to $2.10 before recovering to $2.17 by Saturday morning.

According to data from CoinGecko, XRP’s 24-hour trading remained in a tight range, varying between $2.17 and $2.25, suggesting strong buying support.

At the time of writing, XRP’s trading volume stood at $3.1 billion, indicating ongoing interest from both institutional and retail traders, even during a low-liquidity weekend.

In the seven-day period, XRP experienced a 9.3% increase, and the monthly chart showed a 3.0% rise. Notably, XRP outperformed Bitcoin (BTC) and Ethereum (ETH) on several short-term timeframes.

Over the past year, XRP has soared by an impressive 332.7%, driven by favorable court rulings and the launch of major products, including RLUSD stablecoin.

Top Tip: Use Benzinga's cryptocurrency coverage to stay updated on the latest developments in the fast-changing world of digital assets.

Why It Matters: After U.S. lawmakers introduced the "Genuis Act" to establish clear rules for dollar-backed digital assets, and as the bill now heads for review by Congress, Citigroup has made a bold prediction for the global stablecoin market.

In a recent report, Citigroup forecasts that the total value of stablecoins could reach $1.6 trillion by 2030.

This prediction is based on several factors driving the adoption of stablecoins. These include the need for efficient cross-border payments, particularly in a world where traditional banking systems are becoming less relevant, especially for younger generations.

Moreover, stablecoins are now a major holder of U.S. Treasuries, beginning to influence global financial flows. The rising adoption of stablecoins is a testament to the sustained demand for assets denominated in the U.S. dollar.

“Systems are being upgraded by integrating shared ledgers to enhance data synchronization, transparency and efficiency.”

Artem Korenyuk, Digital Assets - Client, Citi

Another factor is the U.S. regulatory outlook on digital assets, which has become more favorable, especially with the shift in political leaning during Trump’s presidency.

If stablecoins come to dominate future cross-border payments, as Citigroup predicts, then XRP’s surrounding ecosystem will see significant network effects. This is because Ripple’s technology is designed to facilitate seamless integration with leading banks and payment providers for cross-border transactions.

If U.S. administration continues to prioritize cross-border payment efficiency and reduces restrictions on crypto institutions, then a brighter outlook for XRP emerges.

What Next: If XRP reaches $15, then the value of a $10,000 investment today would grow substantially.

At the current price of $2.25, $10,000 would buy approximately 4,444 XRP tokens. If each token appreciates to $15 by 2040, then the total value would be $66,660.

Of course, this projection assumes no major dilution from new token issuance and stable macroeconomic conditions supporting digital asset valuations. However, even under conservative scenarios where XRP only partially fulfills its potential, a $10,000 stake today could still outperform traditional equity and bond returns over a fifteen-year horizon.

Long-term investors should be following how quickly Ripple is expanding the usage of RLUSD and adoption in daily payments technologies.

Each of these metrics will be critical in determining whether XRP can transition from a volatile trading asset to a major player in global digital payments by 2030.