In the wake of rising anticipation surrounding the launch of XRP exchange-traded funds (ETFs), the crypto community has been quick to speculate about dramatic price targets. Many retail investors have floated figures ranging from $10 to $100, convinced that institutional participation alone could propel XRP to unprecedented levels. However, according to Xoom (@Mr_Xoom), a prominent crypto expert on X, such expectations are unrealistic and risk distracting from a grounded understanding of how ETFs influence digital asset markets.
don’t know who needs to hear this but no, XRP will not go to $100 or even $10 with just ETFs.
Don’t get me wrong, it’s great news and would give exposure to mature, “non crypto” investors but, it’s not going to be the single factor that leads to price going to heights that keep…
— xoom (@Mr_Xoom) November 12, 2025
XRP Price Expectations Re-evaluated
Xoom cautioned that while the idea of an ETF may excite the XRP community, it should not be mistaken for a guaranteed path to major price appreciation. In his words, “No, XRP will not go to $100 or even $10 with just ETFs.” His remarks point to a need for realism as investors prepare for what could be one of the most significant developments for XRP since the end of Ripple’s legal battle with the U.S. Securities and Exchange Commission (SEC).
ETFs: A Step Forward, Not a Catalyst for Explosive Growth
An ETF provides regulated market access and offers exposure to an asset without requiring direct custody. Xoom acknowledged this advantage, describing the ETF as “great news” that opens the door for “mature, non crypto investors.” Yet he maintained that such institutional participation alone is insufficient to trigger a price surge of the magnitude often predicted online.
His perspective aligns with previous observations from analysts who view ETFs as a sign of validation, not transformation. The initial inflows into XRP ETFs are expected to provide some upward pressure. However, lasting appreciation will depend on real-world utility, liquidity improvements, and adoption of XRP in cross-border payment infrastructure.
A Realistic Outlook for XRP's Market Performance
While optimism around ETFs is understandable given their success with Bitcoin and Ethereum, XRP’s supply distribution, historical price behavior, and ongoing integration into payment systems create a complex environment where short-term market catalysts have limited influence. By calling for patience, Xoom effectively redirected focus toward adoption by financial institutions and usage within global payment ecosystems, as he believes these factors will determine XRP’s future growth. The introduction of an ETF may improve visibility and liquidity, but it is unlikely to alter core fundamentals overnight.