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- Anjali Belgaumkar
Anjali Belgaumkar
Writer by choice, CryptoCurrency Writer, and Researcher by chance. Currently, focusing on financial news and analysis, as well as cryptocurrency news and data. One may not call me a crypto “Enthusiast” but trust me I'm getting there.
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Qadir AKQadir Ak is the founder of Coinpedia. He has over a decade of experience writing about technology and has been covering the blockchain and cryptocurrency space since 2010. He has also interviewed a few prominent experts within the cryptocurrency space.
- Jan 03, 2026 07:15 UTC
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Could XRP Become a Top 2 Crypto? Realistic Outlook vs $10,000 Price Claims
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XRP $ 2.01 (5.18%) 
XRP’s surprise 2024 rally reignited debate over its long-term role in institutional finance, with analysts questioning whether 2026 could bring an even bigger cycle.
As Ethereum faces value-capture challenges, XRP’s banking-focused use case is drawing fresh attention from investors looking beyond retail-driven hype.
XRP shocked the crypto market in 2024.
After years of slow movement and legal uncertainty, the token surged nearly five times in value toward the end of the year 2024. Many investors openly admitted they missed the move. Some were left asking whether this rally was just a one-off event or the early sign of something bigger brewing for 2026.
Why XRP’s 2024 Move Caught Everyone by Surprise
Unlike Bitcoin or Ethereum, XRP had largely fallen out of favor with short-term traders. Regulatory pressure, slow price action, and limited retail hype kept it off most radar screens.
That is why the late-2024 acceleration stood out. It was fast, aggressive, and unexpected. The rally did not follow the usual meme-coin or retail-driven patterns. Instead, it appeared more connected to institutional narratives, banking use cases, and long-term infrastructure positioning.
This has led some analysts like Abs and Paul Barron to believe XRP could be setting up for another major cycle around 2026.
XRP vs Ethereum: A Growing Comparison
Much of the current discussion centers on comparing XRP with Ethereum.
Ethereum remains the second-largest digital asset, but it has struggled to translate technology upgrades into strong price performance. ETH fell roughly 45% from its peak near $4,950, raising concerns about whether its value capture model is weakening.
One issue is Ethereum’s heavy reliance on Layer-2 networks, which improve scalability but also pull transaction value away from the main ETH token. As more activity shifts off-chain, the question becomes simple: Does Ethereum still benefit as much as it used to?
XRP supporters argue that this is where the XRP Ledger gains an edge.
The Institutional Thesis Behind XRP
Unlike most retail-driven cryptocurrencies, XRP is often analyzed through a different lens.
The core argument is that XRP should not be valued like a speculative token but rather as financial infrastructure. Ripple continues to position XRP as a bridge asset for banks, cross-border payments, stablecoins, and tokenized finance.
Supporters point to three major drivers:
- Growing bank and institutional partnerships
- More spot XRP ETFs in the future
- Expanding use cases on the XRP Ledger, including DeFi and smart contracts
The $10,000 XRP Debate: Vision or Fantasy?
One analysis that has sparked intense debate says XRP could one day reach $10,000 per token.
The logic behind this claim is not based on traditional crypto market math. Instead, it assumes XRP becomes deeply embedded in global liquidity flows, settlement systems, and institutional finance.
Critics argue this view ignores basic supply dynamics and market reality. Supporters counter that infrastructure assets do not behave like retail tokens.
The truth likely lies somewhere in between.
While such price targets may be unrealistic in the near term, they highlight a deeper issue: XRP is being judged by rules that may not fully apply to its intended use case.
Why Ethereum May Be the Bigger Risk Going Forward
Bitcoin has firmly secured its “digital gold” narrative. It does not need constant upgrades or new use cases to justify its value.
Ethereum, however, sits in a more fragile position. It must continuously evolve while defending its dominance against faster, cheaper, and more scalable networks. Even with strong technical leadership, Ethereum’s price has struggled to respond.
There is also a growing concern around centralized influence, where a single tweet or leadership controversy could impact market confidence.
XRP’s Biggest Strength and Its Biggest Risk
XRP’s greatest advantage is also its biggest risk.
On one hand, it has clear institutional goals, real-world integration, and regulatory progress. On the other, its success depends heavily on adoption by banks, regulators, and financial institutions, groups that move slowly and cautiously.
Unlike meme coins or retail-driven assets, XRP’s upside is not fueled by hype alone. That makes it less explosive in bull markets but potentially more durable over time.
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FAQs
XRP price prediction for 2026 ranges between $1.75 and $5.05, depending on market recovery, adoption growth, and overall crypto sentiment.
Major risks include regulatory setbacks, weak market liquidity, competition from other payment-focused blockchains, and prolonged bearish market cycles.
Triple-digit targets assume massive global adoption and long-term dominance in payments, making them highly speculative rather than guaranteed outcomes.
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