XRP is trading around $2.06 on January 13, 2026, leaving its price action a full step below the zone that capped the last rally that ended with a high of $3.65 in July 2025.
However, predictions indicating that XRP will regain that peak and then reach new highs above $3.8 have been on the front page of bank research notes and trader-led chart projections. Various technical analyzes in particular have done this suggested that XRP is programmed to return to the higher $3 prices and into new price areas this year.
Standard Chartered’s XRP target clears $3.8
XRP’s all-time high price now seems out of reach, especially considering that the cryptocurrency is now struggling to leave $2. At the time of writing, XRP is down about 44% from its July 2025 peak of $3.65, but institutional purchases of Spot XRP ETFs still provide a glimmer of hope.
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One of the most recent notable institutional-style projections of XRP comes from Standard Chartered’s digital asset study, which plots a multi-year path in which
According to the bank’s analysts, XRP will reach a level of $8 by the end of 2026, a level that comfortably eclipses the previous peak and implies around 300% upside from current levels if certain conditions persist.
Interestingly enough, where this vision came from Geoffrey Kendrick, Global Head of Digital Assets Research at Standard Chartered. The prediction is made based on the prospects of continued institutional adoption and strong inflows into XRP-based spot ETFs.
Technical Outlook As Ripple Heads To A Consistent 2026
Recent technical commentary from multiple analysts has converged on a bullish bias for XRP. For example, XRP analyst EGRAG CRYPTO pointed out one developing a breakout retest structure on the monthly candlestick timeframe. According to the analyst, the historical odds are positive as long as XRP remains above $1.60 to $1.40 on higher timeframes, with long-term channel projections placing the XRP price at a high of $22.
For a shorter-term perspective, Crypto Feras described XRP’s recent break above $2 is a bullish reversal signal. His analysis points to $2.67 and $3.01 as the next resistance levels, areas that could open the way to a full retest of the previous peak near $3.8 if it is lifted. Add to this ChartNerd noted that XRPs The long-term upward fractal structure is still valid despite the recent XRP price correction.
Related reading: Analysts update XRP price forecast: Why $16 is still on the table
These price projections are viewed more favorably against the backdrop of Ripple’s momentum heading into the year. Ripple CEO Brad Garlinghouse recently pointed out strongly progress in 2025 with examples of major acquisitions from Ripple Prime and GTreasury and a growing number global licensing footprint.
As Ripple positions itself for what its leadership has described as a consequential 2026, the combination of technical outlook and business fundamentals has reinforced the narrative that XRP could be nearing a move to new all-time highs.
Featured image from Adobe Stock, chart from Tradingview.com