Potential XRP Price Surge by 2050
The price of XRP could experience a significant increase if Millennials and Gen Z investors hold onto their balances until 2050.
Data from the crypto market in 2025 indicates that Millennials and Gen Z make up a substantial part of the investor demographic. A report from the Gemini exchange reveals that approximately 50% of individuals from both generations worldwide own or have previously owned digital assets, achieving a level of adoption that surpasses older generations.
In the U.S., Millennials constitute 57% of all cryptocurrency holders, while Gen Z comprises about 13%. Globally, Millennials account for 40% of users, and Gen Z represents around 28%.
Amidst this generational movement, XRP prominently features. According to a report by Coinlaw, users aged 25 to 34, primarily older Millennials, represent over 40% of the new XRP wallets created in the past year.
To assess what this holding power might imply, we consulted Google Gemini about XRP’s potential trading price in 2050 if Millennials and Gen Z simply retained their tokens. The analysis from Gemini suggested an optimistic scenario where XRP could rise anywhere between $100 and $5,000, influenced by the level of adoption and utility the network manages to achieve.
Gemini identified several key drivers that could foster such growth. For XRP to reach these price points, the XRP Ledger would require extensive adoption by banks, corporations, and even central banks for purposes such as payments, CBDCs, and tokenized assets.
Furthermore, the network’s built-in burn mechanism, which permanently eliminates a small quantity of XRP with each transaction, may also restrict supply and enhance its value over time. Gemini also emphasized the critical importance of having a clear and supportive regulatory framework.
The chatbot highlighted that if XRP managed to capture just 5% of a $100 trillion global financial system by 2050, its market capitalization could reach $5 trillion. Based on the current supply, this would position XRP at approximately $90 per token.
