The Crypto Desk desk. Editor: Sam Daodu.
Recent estimates suggest that 5,000 XRP (CRYPTO:XRP) might be valued anywhere from $3,250 to $25,000 by 2028. In comparison, 5,000 Cardano (CRYPTO:ADA) tokens could range from $750 to $12,500, while 5,000 Stellar (CRYPTO:XLM) tokens may be worth between $400 and $3,250. So what could 5,000 XRP be worth by 2028, and could Cardano or Stellar see bigger swings?
5,000 XRP is worth approximately $5,050 at $1.01 per token. In contrast, 5,000 Cardano tokens are worth about $855, and 5,000 Stellar tokens are valued around $735. The 2028 projections come from Standard Chartered, ChatGPT, and 24/7 Wall St. analysts.
5,000 XRP Is Worth About Six Times as Much as 5,000 Cardano or Stellar
At $5,050, 5,000 XRP is worth roughly six times as much as 5,000 Cardano tokens and nearly seven times as much as 5,000 Stellar tokens. XRP has declined 23% over the past 30 days and trades 72% below its all-time high of $3.65, reached in July 2025. Cardano has fared even worse, trading 94% below its all-time high of $3.09 from September 2021.
A cryptocurrency’s market cap is its price multiplied by the number of coins in circulation, and the supply of all three coins continues to grow. Around 63.5 billion XRP are circulating out of a maximum of 100 billion, while Stellar has about 35.4 billion out of a maximum of roughly 50 billion. Cardano is closer to its cap, with 37.5 billion of a possible 45 billion in circulation.
This growing supply makes it harder for prices to return to their previous highs. For example, Stellar’s whole network was worth roughly $15.7 billion at its January 2018 peak, but for XLM to return to $0.79, a 438% increase, its market cap would now need to reach around $28 billion. A look at what $1,000 in XRP, Stellar and Hedera could be worth by 2030 runs the same supply math.
2028 Forecasts Range From a 46% Loss to a 1,363% Gain
The scenarios for XRP and Stellar come from ChatGPT, run through December 31, 2028, and were published by 24/7 Wall St. on November 9. The Cardano projections come from 24/7 Wall St. analysts in a piece on what 10,000 XRP, Cardano, and Dogecoin could be worth by 2028.
Standard Chartered has projected a $12.60 target for XRP by the end of 2028, the highest bank forecast 24/7 Wall St. has covered. At that price, 5,000 XRP would be worth approximately $63,000, a 1,148% rise from XRP’s price. Meanwhile, Cardano’s high scenario of $2.50 would put its market cap at about $94 billion, still under the roughly $104 billion it held at its 2021 peak.
XRP ETFs, MetaMask and Coinbase Could Move All Three Coins Before 2028
For XRP, the launch of exchange-traded funds (ETFs) has been a significant development. However, the funds recorded zero net flows on November 5 and 6, according to SoSoValue, and their total net assets fell from $1.51 billion on October 28 to $1.34 billion on November 6 as prices dropped and fresh buyers stayed away. A breakdown of what 5,000 XRP could be worth by 2030 covers the longer horizon.
For Stellar, the new factor is MetaMask, a widely used self-custody wallet that added Stellar as a default network on October 29, so new users need to hold some XLM to activate a Stellar address. MetaMask’s developer, Consensys, hasn’t released user numbers, but funds already hold substantial assets on the network, with Spiko’s SAFO fund holding $1.65 billion of its $2.38 billion there as of October 23.
Meanwhile, Cardano and Stellar each lose a trading pair on Coinbase (NASDAQ:COIN | COIN Price Prediction) around November 25, when direct trading of ADA for Ethereum (CRYPTO:ETH) and XLM for Bitcoin (CRYPTO:BTC) ends, although dollar pairs stay open.
Cardano trades below $0.22, its average closing price over the last 50 days, and 29% above its price, but above its one-year low of $0.14 from June 28, 18% below. A look at what 10,000 Cardano could be worth by 2030 goes further out.
What Could 5,000 XRP Be Worth by 2028 Compared to Cardano and Stellar?
The XRP stack has the potential for the biggest change by 2028, with the broadest dollar range and the greatest middle-scenario growth at 148%. However, for XRP to reach $2.50, it would need a boost from its ETFs taking in money again. XRP must first recover its 50-day average of $1.34, 33% above its price, and then close above its 90-day high of $1.57, 55% above.
So 5,000 XRP looks more likely to be valued between $3,250 and $12,500 by 2028. In comparison, a Cardano stack could be worth between $750 and $1,750, while a Stellar stack could range from $400 to $1,500. If XRP falls below its August low near $0.99, just 2% below its price, the lower estimate could become a more realistic possibility for the XRP stack.
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Sam Daodu is a crypto analyst and the editor of 24/7 Wall St.'s Crypto Desk, where he covers Bitcoin, XRP, Ethereum, Solana and the altcoins investors search for most. His work focuses on price levels, spot ETF flows, on-chain data and the regulatory decisions that move crypto markets, written so a first-time buyer and a seasoned trader can both use it.
Sam has written about crypto professionally since 2019 and has published more than 2,000 articles. Before joining 24/7 Wall St., he wrote for crypto media outlets and Web3 companies and ghostwrote for crypto founders and token launches. His analysis is syndicated on Yahoo Finance, MSN and AOL and has been cited by other crypto news sites. He also founded MacLabs Marketing, a content and personal branding agency for crypto founders and executives.
When he isn't reading charts, Sam is usually at the gym or watching One Piece, a series he maintains has better tokenomics than most altcoins.
