XRP Price Prediction: Analyst Expects $5 to $10 by 2026

Crypto analyst Zach Rector says he is stepping back from the extreme price targets that have become common in the XRP online community, instead focusing on a more grounded expectation of $5 to $10 by 2026. With XRP trading near $1.30, that range would imply returns of roughly 300% to 600%.

Historically, the Setup Looks Familiar

Rector’s outlook is based on patterns he says have appeared in prior market cycles. He points to 2020 and 2022, when XRP fell below the 200-week moving average, followed by a sharp decline and then a strong rebound.

He argues that a similar structure is forming again for 2026. According to his read, XRP has already lost the key support level and could see one additional dip before a larger move higher.

Expect a Dip Before the Rally

Rector says the price area he is watching is approximately $1.10 to $1.20. He also suggests there is a possibility of a move below $1 to “sweep liquidity” before a rebound.

He further cites recent bull traps—short rallies followed by quick drops—as a sign of ongoing market pressure. In addition, he points to macro uncertainty and global tensions as potential factors that could contribute to another broader sell-off.

For Rector, the expected dip is the opportunity to enter at lower prices rather than buying at current levels.

Cycle Framing: Not About Hype

Rector also argues that XRP may not require extreme hype to perform. He says even moderate inflows into the broader crypto market could be enough to lift prices, making a relatively straightforward recovery capable of producing strong returns.

“XRP from $1.34 popping up to 5 bucks is 272% ROI. Now obviously, if we go any lower towards a dollar and you scoop up towards a dollar, we’re talking about 300% just on that move to 5 bucks. So this is just measuring from $1.34 where we’re at today.”

He also questions why investors who were willing to buy XRP at $2 or $3 appear hesitant around the $1 area.

Other Targets: Fib 1.618 Levels

In a separate view, EGRAG CRYPTO highlights multiple Fib 1.618 targets, citing levels at $7, $10, and even $31, depending on different structural setups across timeframes.

What It Means for XRP

Taken together, the views suggest that while the most extreme targets may be less likely in the near term, XRP still has upside potential if the market structure Rector describes plays out.