Key Insights
- XRP entered the new year with a strong foundation after the SEC lawsuit ended, and has removed years of legal pressure on the asset.
- Spot XRP ETFs have seen massive institutional interest after recording over $1.15 billion in assets under management in their first two months.
- Technical analysts say that a “supply squeeze” on exchanges could trigger a move back to the $3.66 peak and toward a $5.00 milestone.
The wild journey of last year has finally come to an end for Ripple and its native token. Many investors are now calling the past year the “Great Normalisation” for the digital asset.
After nearly five years of fighting the SEC, XRP shed its legal shackles in August and the market reacted with a massive surge to $3.66 in July before a cooling period began.
Read More: XRP Price Faces Early 2026 Pressure Despite Huge ETF Success
XRP Price Prediction For The Year
For many digital assets, understanding the future requires remembering the past.
Even though the token struggled near the $2.00 range at the end of last year, it still hit several important target areas. For example, legal finality arrived in August when both Ripple and the SEC withdrew their appeals.
This establishes that retail sales of the token are not securities. This ruling also provided the regulatory gold standard that many large banks were waiting for.
November also brought another victory with the launch of the first Spot XRP ETFs in the United States. These products have seen 30 consecutive days of net inflows and have already amassed over $1.15 billion in assets.
Analysing the $3.66 and $5.00 Price Targets
The push toward $5.00 is not just a random guess. It is backed by macroeconomic models and technical data.
One popular theory is the “Silver Correlation”. Market commentators have begun comparing the current price action of XRP to the silver breakout of last year. During this time, Silver spent years in a quiet zone before surging 147% to hit $71 per ounce.
Analysts argue the token is in a similar accumulation phase, where a move of that size would place the price at exactly $5.13.
Institutional supply shock is another reason why investors are optimistic.
Data from SoSoValue and exchange trackers shows that balances on centralised exchanges have plummeted. Available supply has also dropped from 3.95 billion to 2.6 billion tokens in just six months.
This 45% reduction means there is less for people to buy. If buying pressure from ETFs continues, the result could be a very fast upward move.
Technical Upgrades and the XRPL Roadmap
The 2026 roadmap for Ripple includes major technical upgrades as well . CTO Emeritus David Schwartz has been researching the integration of Zero-Knowledge (ZK) Proofs into the XRP Ledger.
These privacy improvements are perfect for institutional finance. They allow banks to settle transactions without showing sensitive data to the public.
Standard Chartered analysts have also shared a price prediction of $8.00 by the end of the year.
They cite these technical upgrades as a way to capture more of the $156 trillion global remittance market. On-chain data also shows that the network is becoming more efficient as new amendments like “fixDirectoryLimit” have made the ledger more stable.
Technical indicators are even flashing green for the first quarter, as the 3-day Relative Strength Index (RSI) recently hit an oversold level of 34. Historically, this often leads to a move back above 50.
Traders are also watching the 50-week EMA as the price is currently testing $1.87 as support. If it holds, the next leg up could be massive.
Meta Description: XRP is eyeing a major comeback after a wild run last year. Analysts are predicting that the token could reclaim $3.66 and push toward $5.00 thanks to ETF inflows and new tech.
Tags: XRP, Ripple, Crypto Price Prediction, XRP ETF, RLUSD, XRPL, Blockchain Finance
Disclaimer: BFM Times acts as a source of information for knowledge purposes and does not claim to be a financial advisor. Kindly consult your financial advisor before investing.
