Investors in XRP, the cryptocurrency issued by Ripple Research Institute, began debating their price expectations for the asset, admitting that they were initially carried away by the market’s euphoria.
The proposal was made on the social network Reddit on May 2, 2026 by a user who calls himself “Ok-Scientist-391”. This person asked what is the real chance of XRP hitting $5 or $10?
“I learned about XRP last fall and was ecstatic, but now the more I learn about cryptocurrencies and XRP, the more I feel skeptical,” the investor said.
In addition, this person questioned some predictions circulating on social networks.
At this point, I realized that most of my predictions like “XRP will reach $100 by 2028!” were correct. they are just trash.
OK-Scientist-391, Reddit user.
It didn’t take long for the answer to arrive. User Dangerous-Ad-8505 cautioned, “Don’t trust price predictions. They are all assumptions,” and suggested focusing on the asset’s utility, on-demand liquidity, and XRP’s role within the payments infrastructure.
Other participants offered more critical perspectives. Total_Television_942 questioned one of the most repeated narratives regarding XRP: the idea that banks and financial institutions keep large amounts of money tied up in international accounts. Ripple’s cryptocurrency could free up liquidity by replacing parts of the system. “The theory of ‘idle’ accounts is not true. Accounts generate performance while idle,” he said.
MystaFx, from a more speculative standpoint, did not endorse a more aggressive forecast, but said, “We are seeing more realistic estimates of $4 to $6 over 12 to 24 months. This is a long game.”
XRP is currently trading 61.5% below its July 2025 all-time high (ATH) of $3.65, reinforcing the contrast between optimistic predictions and actual performance.
Readings related to political and regulatory contexts also emerged. User Dull_Huckleberry4576 attributed some of the price stagnation to external factors, saying, “The failure to pass the transparency law and the war in Iran are preventing prices from stagnating.” Still, he suggested a more moderate prediction than the extreme one: “I don’t think it will reach $10. Let’s be conservative and think about it somewhere between $5 and $8.”
From a more optimistic perspective, Geek Lucifer shared his personal experience as a long-term investor. “I bought XRP when it was worth 27 cents and it hit $3,” he said. He also revealed that he sold part of his position out of necessity, saying, “I sold a third because of a family emergency. That was the only reason I did it.”
The user compared his strategy to a previous investment in LVLT (Located Telecommunications Company Level 3 Communications) stock, which he explained was sold before it skyrocketed. In that example, Defending the long-term reading of XRP: “I have kept it for years and will continue to keep it.”
Regarding Otaku Lucifer, Bullish claims undergo institutional adoption. “(Ripple) has contracts both domestically and internationally, and has a solid application that has been adopted by several financial institutions,” he said. In any case, he also warned against over-promising on the network, warning: “Stay away from people who call themselves ‘gurus’ or ‘experts.'”
Another participant, JambleStudios, compared the case to silver. It was seen as a cheap asset for many years until industrial demand pushed prices up.. But it made an important difference. “When it comes to silver, it has proven over time to be a solid asset, but cryptocurrencies are new in the grand scheme of things.” The central question for this user is whether XRP will prove its value over time.
In this context, the utility of the asset is an important factor. XRP has been proposed as an international payment and settlement solution for many yearsdescribed by CriptoNoticias.
However, its specific use is not always visible to those who hold the asset, and multiple projects within the digital asset ecosystem also compete in areas offering similar functionality.
In addition to this, there are other points of contention: Increased use of Ripple Labs’ stablecoin RLUSD and tokenized real-world assets (RWA) on the XRP Ledger could also increase functional demand for XRP.because the network’s fees are paid in native assets. However, this does not guarantee that cryptocurrencies will continue to play a central role in international payments.
So the discussion goes beyond price. The fundamental question is how to measure the performance of an asset that may grow in use within the network, but is not always visible to its own owners.
(Tag translation) Altcoin
