The post Why a High XRP Price Is Good for Holders and Essential for Banks appeared first on Coinpedia Fintech News

XRP is trading at $1

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The Structural Pieces Are Now Real

What’s changed since Schwartz first made this argument is that the infrastructure is actually being built. Ripple received conditional approval for a national trust bank charter from the OCC in December 2025. Mastercard added Ripple to its 85-company global Crypto Partner Program on March 11, alongside Binance, PayPal, Circle and Gemini.

Ripple also launched a $750 million share buyback in March, valuing the company at $50 billion – a 25% increase from its November funding round. The company is pricing its equity higher while the token trades near lows.

That gap says something about where Ripple’s leadership thinks this is heading.

Crypto Sensei also flagged on-chain data showing XRP’s multi-exchange withdrawal delta has fallen to an all-time low – meaning more investors are moving XRP off exchanges, historically a bullish signal for long-term holders.

The Schwartz argument was always logical. The question was whether the real-world pieces would fall into place. In 2026, they are starting to.

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FAQs

What is the XRP price prediction for 2026?

XRP could trade between $3 and $6 in 2026 if crypto market momentum strengthens and Ripple expands partnerships with banks using RippleNet and ODL.

How high will XRP go in 2030?

XRP could potentially reach $18–$30 by 2030 if the crypto market enters a strong bull cycle and Ripple expands global payment partnerships.

How much will 1 XRP be worth in 2040?

If adoption of blockchain payments grows and Ripple strengthens its financial network, XRP could trade between $97 and $179 by 2040.

What could drive XRP’s price growth long term?

XRP’s long-term growth may depend on global payment adoption, institutional partnerships, and wider use of Ripple’s blockchain infrastructure.

Is XRP a good investment?

XRP may be a promising investment due to its role in cross-border payments and growing institutional adoption, but price volatility and regulation risks remain.