Zach Rector Sets Timeline for XRP to Hit $100

Zach Rector has shared a direct statement about XRP’s future. In a new post on X, he stated that the digital asset will hit $100 by 2030. At the time, XRP traded near $1.91, locked in a tight range and far from its historical highs.

Like many others, Rector is confident in XRP’s long-term potential. While he did not provide details on how it can reach this target, the current market situation shares some context.

$100 XRP in 2030

— Zach Rector (@ZachRector7) December 19, 2025

XRP’s Regulatory Clarity

XRP gained regulatory clarity in the US in 2025. Ripple and the U.S. Securities and Exchange Commission (SEC) resolved their long-standing legal battle, removing the biggest barrier for institutional participation. Asset managers can now create compliant products, and custodians can support exposure.

The end of the legal battle also paved the way for the approval of spot XRP ETFs. This puts the digital asset in front of more investors. These moves make large-scale adoption possible over time.

The Impact of Spot XRP ETFs

Multiple spot XRP ETFs went live in the US during 2025. Canary Capital, Bitwise, Grayscale, Franklin Templeton, and 21Shares launched products between November and December. These ETFs provide exposure without requiring direct custody. They integrate XRP into traditional financial channels.

They have seen significant inflows, with over 30 days of net inflows. XRP ETFs have outperformed the competition, and growth in this sector of the market could contribute to XRP’s price growth in the coming years.

Ripple’s Strategic Moves

Ripple executed key acquisitions and partnerships in 2025. The company acquired Hidden Road, GTreasury, and Palisade to strengthen custody, liquidity, and institutional infrastructure. These moves positioned Ripple closer to traditional finance institutions.

XRP functions as a bridge asset within the ecosystem. Increased adoption and transaction volume grow liquidity demand. XRP has also seen notable institutional adoption this year. Exposure through regulated vehicles has broadened access.

The 5-Year Path to $100

Reaching $100 requires scale and sustained adoption. It requires time for infrastructure, access, and capital to compound.

A 5-year horizon provides that opportunity. Shorter periods may not capture the growth, but Rector’s prediction gives XRP enough time to embed itself into the global financial infrastructure.

XRP remains volatile, with the potential for a decline. However, regulation, access, and institutional pathways make the setup different from previous cycles. Market developments now support a framework for long-term growth.