Ripple performance is increasing every day but we are in the red market conditions so ripple price is too low now so next year we will see the green market so probably ripple will cross $3 again in next year.
It is obviously early if you want to predict XRP by 2021. XRP have a very good volume. Currently top 10 in coinmarketcap. But it is impossible to reach Xrp 3$ price at the end of next year untill any miracle happen with ripple.
I think I agree with your prediction, Ripple will hit $ 3 at the end next year. Ripple price is $ 0.23 today. I think ripple will increase to continue until the next year.
In my prediction ripple will touch $ 1 at December this year and increase again at January next year will touch $ 2 .
Ripple is very potential coin for short term investment and do daily trading.
Although ripple is still struggling now, But I believe ripple will bounce back again.