Finder Cryptocurrency Predictions Report

Finder regularly surveys crypto experts about what the future holds for a range of coins, from Bitcoin to Cardano, Ethereum and more.

Check out what the panel says about the future of stablecoins

How much will the value of cryptocurrency rise over the next decade?

In October 2022, our panel bearish for the value of 6 well-known cryptocurrencies. The panel predicts the coins will see an average increase of just 9% by the end of 2022. However, they hope that these coins can turn it around in the coming years predicting an average increase of 355% by 2025 and an increase of 922% by 2030 based on the day-open value of the coins on 30 October 2022.

Our panel predicts that Ripple (XRP) will see the most growth in 2022 (pending the result of the SEC issue), with prices expected to rise by 91% between October and December 2022. At the other end of the spectrum is Shiba Inu (SHIB), with our panel seeing the value of the coin dropping 26%.

Looking further down the road, the panel also sees the price of XRP going up the most (711%) by 2025 but sees SHIB performing best come 2030, with its price set to increase 2,203%. The panel is least bullish on Solana's (SOL) 2025 and 230 potential, seeing its price increasing by 158% by 2025 and 424% by 2030.

Bitcoin price predictions

The Finder panel predicts the price of Bitcoin will hit a peak of US$24,013 in 2022 before closing 2022 at $21,344.

With eyes further toward the future, the panel sees the price of BTC skyrocketing, hitting an average value of $79,193 per BTC by 2025 and $270,722 by 2030.

To read the full report, including expert opinions on whether you should buy, sell or hold your Bitcoin, head on over to our Bitcoin price predictions guide.

• 2021 BTC predictions in review

  Bitcoin saw some high highs in 2021, topping out at an all-time high (ATH) of roughly $69,000 in November 2021. Unfortunately, BTC ended the year on a downswing and closed out 2021 worth closer to $46,000. But, how did our panel do with their predictions?

  Most consistent Bitcoin predictions over 2021

  Rouge International managing director Desmond Marshall was the panel member with the most accurate predictions* for Bitcoin 2021, coming fairly close with all 3 of his predictions.

  In July 2021, Marshall provided the sixth-closest prediction for BTC's end of 2021 value, forecasting $65,000. This was followed by the tenth-closest pick in July at $35,000. Marshall closed the year strong with the second-closest prediction of $50,000.

  Closest predictions in April 2021

  Both senior lecturers at the University of Canberra, John Hawkins and Nicolas Van Hoorde, CEO of Delta, tied as the panel members with the closest predictions in the April run, forecasting an end of 2021 value of $50,000.

  While this prediction is slightly over the actual end-of-year value, the panel was especially high on the year-end value of BTC in April 2021, giving an average prediction of almost $89,000.

  Closest predictions July 2021

  Dr Iwa Salami, senior lecturer in fintech regulation at the University of East London, came closest in July 2021, with her projection of $47,500 — just $1,178 off BTC's end-of-2021 price.

  Closest predictions October 2021

  University of Liverpool law lecturer Matthew Shillito gave a prediction of $48,000 during the October 2021 survey, overshooting BTC's actual year-end value by $1,678 but was close enough to be the closest expert to the mark during that survey.

Ethereum price predictions

Ethereum will jump to $1,377 by the end of 2022 according to the forecast from Finder.com's panel of fintech specialists. The price is expected to rise to $5,154 by 2025 and $11,727 by 2030.

For more information about the future price for Ethereum, what Ethereum's move to a proof-of-stake (PoS) model in 2022 means for its value and more from our experts, check out Finder's Ethereum price predictions.

ADA price predictions

Cardano looks to see modest gains in 2022. Finder's panel of crypto experts predict the price of ADA to hit $0.51 by the end of the year. ADA is expected to hit $2.45 by the close of 2025 before rocketing to $5.37 by 2030.

If you'd like to know more about what the future holds for ADA, head over to our ADA forecast guide.

Solana (SOL) price predictions

Our panel predicts SOL to be worth $35.10 by the end of the year before jumping to $116.05 in 2025 and $236.32 by 2030.

To see why our panel is in on the future of SOL, see Finder's SOL forecast.

SHIB price predictions

Our panel expects SHIB's price to hit $0.08 by the end of 2022, $0.19 in 2025 and $0.64 in 2030.

Find out if now is the time to buy, sell or hold SHIB on our SHIB price prediction.

XRP price prediction

The price of Ripple (XRP) is expected to be worth $0.90 by December 2022, $3.81 in December 2025 according to Finder's panel average.

To find out more about the future value of Ripple, head over to the updated XRP price prediction guide.

• Stablecoins

  What does the future hold for Terra?

  In May 2022, the world looked on as Terra (LUNA) went from being worth around $120 to $0.02 in the space of 2 days. To remedy the situation, Terra's community decided to hard fork the LUNA chain and to airdrop former and current holders of the failed crypto with new LUNA tokens.

  So we now live in a world with the original Terra Luna Classic (LUNC) and Terra (LUNA): LUNA 2.0. Unfortunately for those backing either of these tokens, our panel doesn't see them having a bright future.

  Router Protocol CEO and co-founder Ramani Ramachandran said that the writing was on the wall for the downfall of Terra.

  "LUNA should be a wake-up call to the industry and especially to the fawning media that understands very little about crypto and just parrots press releases. It was designed to fail, and apparently, some of the "smartest" people in the space could not see that coming."

  When asked about the future prospects of LUNA 2.0, the panel believes its best days are already behind it. At the time of writing, LUNA is worth around $1.90. However, the panel sees LUNA dipping to just $0.84 by the end of 2022 before falling further to $0.46 by 2030.

  As far as Terra Luna Classic is concerned, the panel sees LUNC as having no value going forward.

  The majority of the panel say that there is no recovery for the token, with NDAX CEO Bilal Hammoud saying, "LUNA ecosystem lost any type of credibility after the incident. I believe platforms will delist Luna in the near future."

  Bitwave CEO Patrick White is also out on LUNA for similar reasons. He added, "Do Kwon lost all faith from the community. LUNA doesn't have a future."

  Can the fork save LUNA?

  At this point, it probably comes as little surprise that the majority (80%) of the panel don't think Terra's hard fork revival plan will be successful. Just 2% think the move can save LUNA.

  Should exchanges support LUNA 2.0 so quickly after LUNC's collapse?

  The majority (56%) of the panel don't think that it was appropriate for exchanges to support the LUNA 2.0 token just weeks after the collapse of LUNA classic. Only 22% support the move.

  Dr Iwa Salami, the co-director of the center of fintech at the University of East London, came down on the side of inappropriate, saying:

  "It is vital that stablecoins are regulated if the credibility of the crypto industry is to be regained. If the main feature meant to guarantee stability in the space is the very source of its vulnerability, then that is a big problem that needs to be addressed and best so through regulation."

  Okcoin COO Jason Lau sits on the other side of the argument saying that the move was appropriate. "In the wake of LUNA's collapse, we're noticing a flight away from algorithmic stablecoins towards fully collater{{ alise }}d ones. We could see more algorithmic stablecoins be challenged and return to the drawing board," he added.

  Will regulators push for stablecoins to be fully collater{{ alise }}d?

  Speaking of collateral{{ isation }}, 73% of the panel think the TerraUSD collapse will mean that regulators will demand that stablecoins be fully collater{{ alise }}d by non-cryptocurrency assets.

  Other stablecoins

  Another stablecoin in hot water is Tether, which saw a bank run (of sorts) in May 2022. The panel is fairly split on whether Tether's reserves are adequate to cover the number of USDT tokens in circulation, with 38% saying they do and 33% saying they do not.

  What "backs" Tether's USDT is a topic of some conjecture. Tether claims that it's now partially backed by non-US government bonds but hasn't specified which ones.

  This is something the majority of the panel believe poses a risk. But how much of a risk? Roughly a quarter (24%) say it's a big risk, 39% say it's a moderate risk and 32% say the risk is small.

  For Dimitrios Salampasis, director and lecturer of fintech innovation and entrepreneurship at Swinburne University of Technology, the "lack of clarity and transparency is always risky".

  CoinFlip founder and chairman Daniel Polotsky says that not backing USDT with dollars means that it runs the risk of losing its peg with price fluctuations:

  "Tether should do a better job of being transparent with Web3 participants. With so much daily trading volume relying on USDT, Tether should be audited by a prominent accounting firm and release the results publicly. Tether should also only back each USDT with an actual dollar as the price of non-US government bonds can fluctuate and potentially break USDT's peg during price declines."

  Will USDC take down USDT?

  The overwhelming majority (78%) of the panel say that it's more of a case of when than if USDC will usurp USDT as the leading stablecoin.

  With so many panel members seeing USDT being dethroned by USD Coin (USDC), it's not surprising that 59% say it's time for those using USDT to switch to USDC.

Meet the panel

• Methodology

  Finder surveyed 54 (53 for the BTC, ETH and ADA reports) fintech specialists between late June and early July 2022 and asked them to give their future valuations for a range of coins. All price predictions are listed in USD per token.