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Bitwise Releases XRP Investment Guide ‘The Investment Case for XRP’ for Professionals
The recently released XRP investment guide by asset manager Bitwise continues to spark bullish sentiment among market commentators.
Bitwise’s XRP Investment Guide for Professionals
Notably, Bitwise titled the document “The Investment Case for XRP,” an informational guide for professional investors only. The authors include the firm’s Chief Investment Officer, Matt Hougan, and research analyst Ayush Tripathi.
In the 33-page document, Bitwise highlighted XRP as one of the oldest and most prominent cryptocurrencies. It launched in 2012 and has maintained strong interest from investors and developers through various market cycles.
Despite its longevity and scale, evidenced by over 2.8 billion transactions processed, XRP remains a polarizing asset. Advocates point to its efficient, low-cost blockchain and regulatory-friendly design.
However, detractors argue that despite multiple partnerships and a solid technological foundation, XRP has yet to achieve significant real-world adoption after more than a decade. Critics also raise concerns about its tokenomics, potential centralization, and lingering legal risks.
Meanwhile, the report explored XRP’s history, technology, use cases, and valuation, presenting bullish and bearish outlooks.
Notably, Bitwise notes that XRP’s progress faced roadblocks amid years of regulatory pressure, including the SEC lawsuit. However, it now sees a more favorable environment emerging after the 2024 U.S. election.
As a sign of this shift, the Trump administration recently announced plans to include XRP in a strategic crypto stockpile, potentially opening the door for XRP to compete on a level playing field.
Bitwise XRP Projections: Bullish and Ultra-Bullish Cases
To evaluate XRP’s prospective value, Bitwise employed the Capital Asset Pricing Model (CAPM), adjusting for risk factors such as regulatory shifts, macroeconomic uncertainty, and industry competition. The firm used this framework to estimate price targets for bearish, bullish, and super-bullish scenarios.
In its most optimistic projection, XRP could reach $4.48 by the end of 2025. From 2028 onwards, Bitwise forecasts XRP consistently trading in the double digits, starting at $13 and potentially hitting $20 by 2029. The model culminates in an ambitious $29 target by 2030.
Notably, this scenario assumes XRP becomes central to the booming tokenization and global payments space. With the tokenization market expected to top $11 trillion by the end of the decade, Bitwise suggests that even a modest 1–2% share could significantly enhance XRP’s value.
In a moderately bullish outlook, Bitwise anticipates XRP peaking at $3.90 in 2025 and gradually climbing to around $8 by 2028. By 2029, it may cross into double digits, reaching $10 before topping out at $13 by 2030.
This model implies an annual return of approximately 27%. It also relies on a more favorable regulatory environment and continued expansion of the XRP ecosystem.
Bear Case: Where XRP Fails to Gain Adoption
On the other end of the spectrum, Bitwise projects that XRP could fall to $1.82 this year. The decline could continue with XRP potentially dropping as low as $1.07 by 2026 and plummeting to just $0.13 by 2030.
This forecast implies an annual return of -59%, driven by high volatility and a lack of traction in key growth areas such as stablecoins and institutional finance.
This outcome assumes XRP struggles to maintain relevance as competitors dominate major markets, leading to a steep decline in utility and overall value.
Despite the mix of bullish and bearish cases, Bitwise’s release of this document continues to spark discussions in the XRP community.
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