A new prediction has drawn attention across the crypto market. Investor and expert Jake Claver predicts XRP could reach $100 by the end of 2025, and possibly $1,500 by early 2026. He says his confidence remains steady despite doubts from critics.

Claver expects a combination of financial restructuring, ETF approvals, and institutional demand to drive the next major move for XRP. The token now trades near $2.66, but he argues that the market is preparing for a big change.

Modernizing Global Payments

Claver’s outlook focuses on the modernization of global settlement systems. Networks like SWIFT and NASDAQ handle trillions in daily transactions. The XRP Ledger (XRPL) can serve as the bridge for instant, low-cost, and interoperable payments between banks, corporations, and governments.

He adds that XRP ETFs, once approved, will attract new institutional capital. This could lead to a surge in liquidity that extends beyond short-term retail trading.

Spot XRP ETFs Could Be the Moment

The approval of U.S. spot XRP ETFs remains delayed due to the government shutdown. Once the SEC resumes operations, several pending applications from Grayscale, Bitwise, and 21Shares are expected to move forward. Analysts expect approvals between late November and mid-December 2025, which could trigger a supply shock and push prices higher.

Understanding the $100 Target

Skeptics say reaching $100 would require XRP’s market cap to rise from about $180 billion to $6 trillion, which seems unrealistic. Claver points to what he calls a market multiplier effect. His team estimates that around $550 billion in new liquidity could lift XRP toward the $100 level due to leveraged demand and a limited supply on exchanges.

That would mean a 45x increase from current prices, similar to what Bitcoin experienced in its early bull runs.

Ripple’s Institutional Expansion

Ripple’s $1.25 billion purchase of Hidden Road, a prime brokerage, could play a major role in this setup. CEO Brad Garlinghouse said the acquisition allows major financial firms, including BlackRock, to use the XRP Ledger for settlement through a regulated and secure system. Ripple now holds a full prime brokerage license, a first among blockchain companies in the United States.

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