With 2026 on the horizon, XRP is struggling after slipping below the $2 level, far from its anticipated record high of $5. The token is down nearly 10% year-to-date, trading around $1.8 at press time. Throughout the year, XRP has seen sharp volatility largely tied to broader cryptocurrency market swings. Notably, the asset has retreated from a yearly high of $3.55 reached in late July. XRP YTD price chart. Source: Finbold XRP prediction for 2026 Market views on XRP’s 2026 outlook remain divided. For instance, Standard Chartered’s Geoffrey Kendrick, head of digital asset research, back in March 2025, suggested that XRP could reach $8 by the end of 2026, citing expectations of institutional adoption and broader acceptance of crypto assets . This view rests on XRP’s role in cross-border payments, where Ripple positions the token as a bridge asset for fast, low-cost international settlements. Fundamentally, XRP’s strongest support remains its cross-border payments use case. The network is active across multiple regions, with rising transaction volumes pointing to real economic activity rather than pure speculation, an important factor for long-term value. Regulatory clarity has also improved. In this line, the resolution of prolonged legal uncertainty with the Securities Exchange Commission (SEC) has reopened access through regulated exchanges and financial products, reducing barriers for banks and institutional investors . While this does not directly push prices higher, it has removed a key structural constraint on demand. On the other hand, spot XRP ETFs have added another layer of institutional access by offering regulated exposure without direct token custody. Since launch, these products have recorded steady inflows surpassing $1 billion , suggesting a shift toward longer-term holding behavior. Over time, this could help tighten tradable supply. However, ETF growth has not translated into immediate price gains. XRP has remained relatively subdued, highlighting that ETFs tend to support structural demand rather than act as short-term price catalysts. XRP price constraints On the flipside, XRP also faces clear constraints. Its large circulating supply means a move to $5 would require a substantial increase in market capitalization driven by genuine demand. Adoption remains the primary growth driver, while limited direct XRP usage by some Ripple partners and intensifying competition in cross-border payments continue to weigh on near-term prospects. Meanwhile, elevated interest rates and tight global liquidity dampen risk appetite, even as fundamentals improve. A more supportive macro backdrop would likely be needed for XRP’s utility and regulatory gains to translate into sustained price appreciation. Overall, XRP’s fundamentals are mixed but improving. They can support the possibility of a $5 valuation by 2026, but only if adoption accelerates, institutional inflows persist, and broader cryptocurrency market conditions turn favorable. Featured image via Shutterstock The post Will XRP hit $5 in 2026? appeared first on Finbold .
