XRP is trading around $1.42 to $1.45, a steep decline from its July 2025 peak of $3.65. Analysts are divided on its 2026 outlook, with some like crypto trader Riz forecasting a surge to $10 by summer, while institutional models and Standard Chartered’s Geoffrey Kendrick offer more conservative recovery targets between $1.67 and $2.80.
XRP’s price has fallen roughly 60% from its July 2025 record high, trading between $1.42 and $1.45. This drop stems from both broad market weakness and specific structural challenges facing the token.
Financial institutions using Ripple Payments are not required to use XRP, as the network also supports fiat currencies. Furthermore, the launch of Ripple’s stablecoin, RLUSD, introduces potential competition for XRP’s utility as a bridge currency on the ledger.
Despite the bearish pressure, some analysts remain extremely bullish. Crypto trader Riz publicly stated on April 21, 2026, that XRP would reach $10 by summertime, citing consistent analyst commentary.
“Every single day, we’ve heard generally the same thing from millions of different analysts,” he stated. Riz added, “By the time we get to summer, we should see much higher prices.”
Institutional forecasts are notably more measured. According to Standard Chartered analyst Geoffrey Kendrick, the path to recovery depends on macro conditions rather than new XRP-specific developments. Kendrick revised his 2026 target down to $2.80, with longer-term goals of $7 for 2027 and $12.60 for 2028.
Model-based forecasts, as CoinCodex reveals, project an average 2026 price around $1.67, with potential peaks in September and October. On-chain data shows recent accumulation, with large wallets buying 360 million XRP last week, the highest pace in ten months.
Concurrently, XRP ETFs recorded $55.39 million in inflows over seven consecutive days, marking the strongest weekly inflow of 2026. This convergence of whale accumulation and institutional ETF investment indicates significant buying conviction at current price levels.
