XRP Price Prediction: 3 Scenarios Range from $5 to $100+ If Clarity Act Passes and U.S. Banks Integrate

⬤ A scenario-based analysis is making rounds in the crypto space, outlining how XRP could reprice across three distinct tiers, from $5 all the way past $100, depending on regulatory and banking developments in the U.S The framework ties each price range to a specific adoption milestone, starting with the Clarity Act and ending with XRP becoming a core liquidity layer for the entire U.S. banking network.

⬤ The first tier, called “Classification,” puts XRP in the $5 to $10 range. The idea here is straightforward: if XRP gets formally recognized as a digital commodity, the regulatory risk premium that has been dragging on the price gets removed. That alone could open the door to new pools of institutional capital that were previously locked out.

At $1.40, a $1 billion transfer could consume a significant share of available exchange liquidity and create slippage. At $20 or more, the asset becomes thick enough to support multi-billion dollar settlements with far less disruption.

⬤ Tier two, labeled “Operational Utility,” targets a range of $15 to $30 and kicks in if XRP gets embedded into U.S. domestic payment rails, including potential use by Tier-1 banks for internal liquidity. The logic behind this range is about depth, not just adoption. The analysis points out that at current prices, moving large sums through XRP creates slippage, but at higher price levels the asset becomes liquid enough to handle multi-billion dollar settlements cleanly Ripple expands banking role.

⬤ The most aggressive scenario, “Full Potential,” targets $100 and above. At this stage, XRP would function as the primary liquidity backbone for U.S. banking, with price scaling alongside the volume of money flowing through the network. Whether this plays out depends on execution at every prior tier. For more context, see high XRP price could make payments cheaper and XRP price analysis.