XRP Price Prediction: Will XRP Hit $3 in 2026?

XRP declined from $3.38 to $1.84 between January 2025 and January 2026, a roughly 46% drop. Over the last five years, XRP’s strongest calendar year was 2021, when it surged early on amid broader market strength and growing confidence that it would prevail in the SEC lawsuit, then ended the year with a large annual gain. In 2022, losses followed a market collapse, rising interest rates, and SEC-related uncertainty. In 2023, sentiment improved and XRP posted strong gains into year-end. In 2024, XRP rallied sharply after Donald Trump’s election and his positive stance on crypto, reclaiming $3 during a Q4 surge. For 2026, regulatory momentum from the CLARITY Act and related policy outcomes are key potential supports.

"XRP's best calendar year in the last five years was 2021, when the coin surged by 161% in Q1 following a broader market rally and growing trader confidence that XRP would prevail in the SEC lawsuit. By the end of Q4, XRP pulled back with a modest 12.7% loss, but the damage was minimal and didn't affect its 2021 annual return of around 277%."

"Market sentiment flipped in 2022 as the crypto market collapsed, interest rates rose, and the SEC lawsuit against Ripple created uncertainties among holders. XRP posted losses of around 59.11% by the end of Q4 2022-driven by quarterly losses in Q1 (-2.14%), Q2 (-59.4%), and Q4 (-29.2%)."

"In 2023, market sentiment reversed again, with XRP posting about 58.8% gain in Q1. The coin carried that momentum into Q4, closing 2023 with an 83.90% annual gain. XRP maintained momentum into 2024, with the coin posting a 280% gain in the fourth quarter after Donald Trump's election win and his positive stance about crypto assets triggered a market rally."

"The Senate Banking Committee is voting today on the CLARITY Act, bringing the bill closer to its July 4 White House deadline. The committee released the draft of the bill on April 12 for members to review, and more than 100 amendments were filed within 24 hours. Most amendments focused on preventing government ownership of crypto assets, stablecoin rewards, and stopping the Federal Reserve from creating a centr"

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