Crypto commentator The Modern Investor has proposed a specific valuation for XRP, and the target is generating attention on X.
The forecast places XRP at $25, prompting a polarized reaction from the community that ranges from profound disbelief to arguments that the goal is far too conservative.
XRP is going to $25
— The Modern Investor (@ModernInvest) October 27, 2026
What the Community Is Saying
Reactions to the forecast varied extensively. Pointing out a structural issue, user @textiledexile wrote, “If XRP goes to 25 dollars with how much ripple holds they will be the largest company in the world,” before adding, “I doubt that’s happening.” Meanwhile, @ThisReallySean bypassed the target entirely, simply stating, “He means $2,500.”
Conversely, others embraced the $25 figure. Asserting that the token would exceed the prediction, @JRome88 commented, “No doubt, it will go way past $25.” Similarly, @CJ (posting as @Expensewino75) argued that the price makes sense only as a baseline, writing, “You cant move trillions and quadrillions at $25. But yes you are correct it will go to $25…..it will go far beyond that.”
Supply Shock and Escrowed XRP
A separate segment of the discussion centered on Ripple’s XRP escrow holdings. Offering a speculative perspective, Levi Madarieta (@LeviMadarieta7) noted, “I think there’s an overall masterplan for the escrowed XRP. Whether it’s the IMF or the US Gov’t…something will change which will create a supply shock.” The post accumulated 926 impressions, indicating it found an audience within parts of the XRP community.
Ripple’s Banking License
Bringing regulatory developments into the mix, @jacryto1 argued, “Wayyyy Too low. Ripple has its banking license.”
Having achieved notable regulatory strides in the U.S., Ripple possesses a banking license that several community members view as a potential catalyst capable of lifting valuations past current expectations.
A Community Divided
Not everyone shared a bullish outlook. Dismissing the forecast altogether, @1984bmg wrote, “lol yea ok it’s going to a dollar after swell DUH.” Forecasting a drop first, @SklofSklin8787 stated, “Xrp will go to $.25 before $25.” Highlighting concerns about how XRP’s utility as a payment asset fits with a high valuation, @greatescapex95 added, “That would be an expensive gas token.”
By putting forward a specific figure, The Modern Investor has highlighted the deeply divided opinions surrounding XRP’s future path. Whether a $25 price point serves as a ceiling or merely a stepping stone remains the core debate.