Where Will XRP and Bitcoin Be in 2 Years?

The XRP (CRYPTO: XRP) price trades near $1.41 and Bitcoin (CRYPTO: BTC) near $77,600, after both spent seven months falling from January highs of $1.88 and $88,700.

However, XRP has gained 39.8% over the past week and Bitcoin 23.6%, their strongest week of the year. Both coins climbed after the US Treasury doubled its long-end bond buybacks, and the buying that followed forced traders to close roughly $3.3 billion of bets against the market. So with Bitcoin and XRP back in the green, where could the two cryptos trade in two years?

Where Could XRP Be in Two Years?

Our XRP price prediction for 2028 turns on the CLARITY Act, which settles whether institutions can hold XRP at all, and on ETFs reaching billions in inflows. 

Bull Prediction: $3.50

XRP could reach $3.50 by December 2028 if the CLARITY Act clears its cloture vote, the procedural step that ends debate and forces a full Senate vote on the bill.

If the bill then passes and becomes law, it removes the regulatory uncertainty that has kept institutional investors treating XRP as a payment rail instead of an asset worth holding.

ETF inflows would also need to return to May’s monthly peak of $131.94 million and hold there, with Bitcoin leading a rally that pulls capital into XRP. If all of that happens, XRP would push toward $3.50 and a market cap of roughly $220 billion, 148% above today’s price.