Motley Fool analyst predicts XRP under $1 by 2031, cites Ripple stablecoin

Motley Fool’s Johnny Rice says XRP could trade below $1 within five years. He argues the big catalysts faded and demand hasn’t stuck source.

He points to past drivers that lifted sentiment but didn’t hold source:
- SEC–Ripple settlement brought clarity but not sustained demand
- Spot XRP ETFs saw about $1.6B invested, then enthusiasm faded

Price action lags. Rice notes XRP is down 60%+ from a July peak near $3.65 and trades well below $2 seen before the SEC dropped its case source.

The banking “bridge asset” thesis hasn’t translated into proportional price gains, he says. Ripple’s payments network grows, but the token doesn’t track it source.

Rice argues Ripple’s RLUSD stablecoin may be undercutting XRP’s bridge role. If banks prefer RLUSD for cross-border flows, incremental XRP demand shrinks source.

Bottom line from Rice: Ripple’s payments business can thrive, but he still expects XRP to end up under $1 in five years source.