Can XRP Reach 5 USD by the End of This Year?

Since the beginning of the year, XRP (CRYPTO: XRP) has grown strongly by 54%, becoming the cryptocurrency with the highest increase in the "large coin" group. Compared to Bitcoin (BTC) which increased by 29% and Ethereum (ETH) which increased by 41%, it is clear that XRP is showing superior momentum. So will this growth momentum be enough to take XRP from the current price of 3.20 USD to 5 USD before the end of 2025? This means XRP needs to increase by about 56% in the coming months. Market Prediction Perspective According to data from the prediction exchange Kalshi, traders are quite optimistic about the outlook for XRP: There is a 70% chance that XRP will reach 4 USD this year. There is a 29% chance that XRP could hit 5 USD. These are impressive numbers, especially when the historical peak (ATH) of XRP was only 3.84 USD. For more than a decade, XRP has never surpassed 4 USD, but now investors believe that this could become a reality as early as 2025. Important Catalysts To rise from 3.20 USD to 5 USD, XRP needs one or more strong "boosts." Currently, the community's focus is on the potential launch of spot XRP ETF funds this year. Some major financial institutions have applied to open a spot XRP ETF. The SEC is expected to make a decision by mid-October. According to Bloomberg, the probability of the SEC approving the spot XRP ETF is as high as 95%, especially in the context of the long-standing lawsuit between Ripple and the SEC having concluded, while the Trump administration has shown support for crypto. Besides ETFs, Ripple being "unshackled" after the lawsuit also opens up opportunities to expand the payment network using XRP in the U.S. market – which has been neglected for the past 5 years as Ripple had to focus on the international market. Overly Optimistic Predictions - Proceed with Caution The XRP community is known for its optimistic spirit. Currently, some experts even predict that XRP may: Increase tenfold to 30 USD by mid-2026. There is a chance to reach 100 USD. However, most of these super "bullish" predictions tend to be exaggerated. In the past, XRP has gone through many "promising stories" but rarely became a reality: Rumors that XRP is being added to the U.S. government's strategic reserve (actually have only a 9% chance of occurring ).Rumors of Ripple's IPO or even acquiring Circle for $5 billion (while Circle is currently valued at up to $34 billion ).Forecasts suggest that Ripple will replace the global SWIFT payment system. These expectations have disappointed many investors when reality did not follow the "to the moon" scenario. Is it worth investing in XRP at this time? The good news is that XRP currently has many potential factors to break through, among which the XRP spot ETF is considered the strongest catalyst. If this event has not yet been "priced in" (, the likelihood of XRP soaring after the approval news is very high. However, it's important to remember that: XRP still follows the general trend of Bitcoin. If BTC does not grow accordingly, it will be very difficult for XRP to rise directly to 5 USD on its own. Therefore, investors need to closely monitor the developments of the entire market, especially Bitcoin, before hoping that XRP will reach the 5 USD mark by the end of the year. 👉 In summary: XRP is in a favorable phase with many bullish drivers, but investors should remain cautious and avoid overly optimistic "pie-in-the-sky" forecasts.