Bitwise Breaks Down the Future of XRP: Could $30 Be in Sight by 2030?

• Bear Case: If adoption stalls, Bitwise warns XRP could drop to $0.13 by 2030, with -59% annual returns, reflecting weak demand and missed market opportunities.
• Max Case: Bitwise predicts XRP could reach $29.32 by 2030, assuming strong adoption in tokenization and payments, with a potential annual return of +46%.
• Bull Case: A more moderate scenario sees XRP climbing to $12.68 by 2030, supported by steady network growth and increasing institutional use.

Bitwise, the $12 billion asset management heavyweight, just dropped a deep-dive report unpacking XRP’s potential from now through the end of the decade. And it’s not just fluff—they’ve laid out detailed projections using the good ol’ Capital Asset Pricing Model (CAPM), with adjustments for stuff like regulation, macro shifts, and competitive risks. Yeah, they went full math-mode.

Max Case: XRP to the Moon?

Let’s start big—real big. In Bitwise’s most optimistic forecast, XRP could close out 2025 at $4.48, climb to $6.53 in 2026, and hit $9.60 by 2027. But wait—it gets juicier. If all the stars align, they think XRP enters the double-digit club in 2028 at $13.84, hits $20.14 by 2029, and lands at a wild $29.32 by 2030.

Bitwise is basically saying, if XRP grabs just a sliver (like 1-2%) of the projected $10.9 trillion tokenization market by 2030, this ride’s just getting started. More tokenized transactions = more fees = more XRP burned. Simple math, really. Less supply, more demand… you know the drill.

Oh—and they’re tossing out an estimated annual return of +46%, assuming Bitcoin hits $1M (no pressure, BTC). Under this fantasy, XRP’s market cap climbs from 11% to nearly 14% of Bitcoin’s.

Bull Case: A More Realistic Path?

Now, let’s dial things down a bit.

In the more “reasonable” bull scenario, Bitwise still sees good days ahead. They’re banking on consistent growth, decent adoption, and no massive drama from regulators. Under this lens, XRP inches up to $3.90 in 2025, slowly climbing to $4.94 in 2026, $6.25 in 2027, and crossing into the $10+ territory by 2029.

By 2030, XRP could hit $12.68, with a projected 27% annual return. Not as flashy as the moon shot, but hey—it’s still solid.

Bear Case: The Oof Scenario

Alright, time for the gut punch. In Bitwise’s bear case? XRP’s future looks… rough.

In this version of reality, institutional interest fizzles, tokenization doesn’t take off on XRPL, and XRP gets outshined by rival chains. Under those gloomy clouds, they’ve got XRP falling below a buck. $1.07 by next year, and possibly slipping to $0.13 by 2030.

That’s a brutal -59% annual return, assuming XRP never finds meaningful traction in payments or tokenization. Bitwise basically says—if XRP doesn’t step it up and secure its spot in institutional circles, it could fade into the background real quick.