XRP, will it stay stagnant even after 5 years? Why its growth is unrelated to Ripple's.

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A pessimistic outlook has been raised, suggesting that XRP (Ripple) may fall short of expectations in terms of investor returns over the next five years, independently of Ripple's growth.

According to the investment media The Motley Fool on April 11 (local time), XRP has fallen by over 60% from its peak of approximately $3.65 in July 2025, currently hovering around $1.30, and despite key positive developments such as a settlement in the U.S. Securities and Exchange Commission (SEC) lawsuit and the launch of an XRP spot ETF, its price has reverted to past levels.

The core reason for this trend is identified as the discrepancy between Ripple's business structure and XRP's value. Ripple's core revenue source, the payment messaging system for financial institutions, operates without using XRP, and this sector actually handles a larger transaction volume. Conversely, cross-border payments utilizing XRP are relatively smaller in scale, leading to a limited impact on the token's price, according to analysis.

The situation has become more complex with Ripple's recent active introduction of the stablecoin RLUSD. RLUSD can serve as a payment bridge asset, just like XRP, making it highly likely that financial institutions preferring low-volatility assets will choose RLUSD over XRP. This indicates that Ripple is expanding its business in a direction that reduces its reliance on XRP.

Consequently, it is emphasized that Ripple's success may not directly translate into XRP investment returns. While Ripple is highly likely to continue its growth as a payment company, there is no guarantee that its growth will directly lead to an increase in XRP's price, and analysis suggests that expectations may gradually weaken as the market recognizes this structure.

The outlook for the next five years is also in a similar vein. While the adoption of Ripple's technology is likely to expand, XRP is heavily dependent on overall market trends and may show relatively sluggish performance, according to observations. Ultimately, XRP is assessed as an asset with structural limitations even in the long term.

*Disclaimer: This article is for investment reference purposes only, and we are not responsible for any investment losses incurred based on it. The content should be interpreted for informational purposes only.*