XRP Price Prediction 2026: Targeting $5 — Can It Really Happen?

Jakarta, Pintu News – Recent predictions suggest that XRP could reach a price of US$5 by 2026, provided a number of fundamental and regulatory factors are favorable. The token is currently hovering around US$ 2.10-2.20 (around Rp 34,900-Rp 36,700), but many are questioning whether a jump to US$ 5 – equivalent to around Rp 83,300 – is realistic. Read the full prediction for XRP price in 2026 in this article!

Current Conditions: Consolidation and Resistance

XRP failed to break the resistance zone in the range of US$2.20-2.22 despite other cryptos in the market outperforming. The 4-hour chart shows several failed upside attempts, indicating that XRP is currently in a consolidation phase, not a breakout. Without a new surge in supply or a large inflow of funds – for example from institutions – the near-term upside potential remains limited.

If XRP can break into the US$2.30-2.40 area, it may provoke renewed interest from both retail and institutional investors. But such an opportunity does not guarantee that the token will take off quickly – especially amid competition from new payment tokens and next-generation blockchain projects.

Also read: 3 Meme Coins that Become Idols in the Crypto Market in December 2025

Factors that Can Boost Prices: Utilities and Regulation

One of the key drivers for XRP’s bullish outlook is the adoption of the internal stablecoin RLUSD from XRP issuing companies and the potential for a friendlier regulatory climate in the United States. If RLUSD grows in popularity as a stable instrument and regulation is favorable, real utility could boost demand for XRP.

Institutional investors returning to crypto assets and the launch of XRP-based exchange-traded funds (ETFs) were also cited as strong catalysts. ETF inflows can add liquidity and confidence in the market, something that often triggers price appreciation.

Read also: Pi Network (PI) Price Prediction December 2025: What to Expect?

Serious Challenges: Competition, Retail Interest & Cautious Attitude

However, the commitment to XRP as a long-term asset is starting to be questioned by some analysts. On-chain data shows a stagnation in the number of new wallets using the XRP network, signaling that retail interest is not growing significantly. Without an influx of new users, buying pressure could remain weak.

At the same time, many investors – especially in the crypto market – are starting to turn to payment tokens and new projects (both Layer-1 and DeFi alternatives) that show high growth potential. The relative opportunity cost has led some to turn away from “classic” assets like XRP to more speculative options.

Conclusion

XRP appears to be at a crossroads. If various factors – RLUSD adoption, regulatory support, ETF inflows, as well as real-world utility – work together, a US$5 target by 2026 could be considered an optimistic scenario. However, the current state of affairs: technical resistance, stagnant liquidity, as well as competition from new tokens make the path not easy. The medium-term reality is likely to bring XRP to a stage of stabilization first, rather than a dramatic surge.

FAQ

What will it take for XRP to reach US$5 by 2026?

Regulatory support in the US, widespread adoption of RLUSD, institutional fund flows via ETFs, and real usage in payments and financial services.

Why is it difficult for the XRP price to surge despite optimism?

XRP is currently locked in consolidation, failing to break through technical resistance and experiencing a stagnation of renewed interest from users and retail investors.

Is there a more promising token alternative to XRP right now?

Yes – some new projects, especially payment tokens and next-generation blockchain projects, are considered to have higher growth potential than older assets like XRP.

Could real-world utility be the catalyst for XRP?

Yes – if internal stablecoins like RLUSD and XRP-based payment solutions gain widespread adoption, this could boost real demand and support long-term prices.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• CryptoNinjas Editorial Team. XRP Outlook for 2026 and Whether It Could Rise Above Five Dollars. Accessed December 7, 2025.
• Featured Image: CryptoRank