Experts project 50% growth for XRP by 2026, driven by Ripple's progress, institutional adoption, and new regulated financial products.
As the digital finance ecosystem progresses in 2026, the attention of major investors has turned with renewed interest to XRP. After a period of consolidation and adjustments in the global market, the Ripple network's native asset appears to be developing a technical trend that has caught the eye of seasoned analysts.
This isn't a passing enthusiasm, but rather a response to the maturing of its infrastructure and regulatory clarity that, for years, was its main obstacle. Today, with a more defined environment, projections indicate that Ripple's cryptocurrency could be on the verge of a significant revaluation which would change the game for institutional and retail investors.
In this context, the asset manager 21SharesA giant that manages more than $11.000 billion has published an analysis that places XRP in a privileged position.
According to their projections for this year, the base scenario anticipates a 50% increase, which would bring the price of XRP to $ 2,45 dollarsThis optimism does not stem from empty speculation, but from rigorous analysis of the Ripple network, which continues to expand its real-world utility and attract regulated financial products that offer security to large portfolios.
Sustained growth of XRP, driven by institutional adoption
21Shares made its predictions for XRP's behavior public last week.
The firm, known for its rigorous analysis of crypto assets, outlined three possible paths: one bassist stage which would place the token at $1,60, a optimistic scenario or "bull case" which would raise it to $2,69, and its main bet of $2,45. What truly distinguishes this report from other market analyses is the foundation upon which these figures are based. For the asset manager's experts, the value of XRP is intrinsically linked to technological progress and the Ripple's ability to integrate into the traditional banking system.
Actually, the evolution of XRP in recent months has occurred with a technical normality that masks a frenetic institutional activityThe network has succeeded in attracting investors seeking exposure to digital assets through well-known and secure financial vehicles.
"XRP is a digital asset designed to enable fast and inexpensive cross-border payments, primarily through the XRP Ledger (XRPL). It is used by financial institutions, such as Japan's SBI Holdings, and payment providers, such as Malaysia's Tranglo, to connect currencies and settle transactions in seconds.", it says report shared by the firm from its official account on X, where it details the probabilities of each scenario.
For the crypto community, this kind of transparent communication is what has allowed confidence in the asset to remain strong, even when the overall market shows signs of volatility. The professional spirit of the 21Shares analysis team highlights that this expected 50% growth is the result of years of behind-the-scenes development.
The Ripple network as the engine of a new digital economy
The firm's analysts, who have also released projections about Bitcoin, Ethereum, Solana and Aave for 2026, emphasize that, beyond the price on the screens, the true value of XRP lies in its practical utility.
Ripple's technology has proven to be one of the most efficient for the settlement of cross-border paymentsThis competitive advantage has been fundamental in attracting the $11.000 billion that 21Shares currently manages. Furthermore, the creation of regulated financial productsETPs (Exchange Traded Products) like XRP have opened a door that was previously closed to pension funds and large corporations. These instruments allow direct participation in the ecosystem without the operational risks associated with the direct custody of private keys.
Therefore, experts emphasize that the network's continued progress is measured not only by transactions but also by the quality of the participants joining it. XRP's ability to serve as an efficient liquidity bridge is what, according to analysts, will sustain the price at projected levels.
Based on the above, the report suggests that the $2,45 scenario is conservative considering the speed at which new payment solutions are being implemented in Asia and Europe, where Ripple has consolidated strategic alliances with central banks and top-tier commercial entities.
Thus, XRP closes a chapter of uncertainty and begins a cycle that many consider one of definitive maturity. Its popularity, which was exceptional during the early years of the crypto industry, has given way to a more technical and professional recognition from the global financial community. As we move into 2026, the vision of firms like 21Shares serves as a compass to understand where capital is headed. The $2,45 target appears to be just the beginning of a phase where real utility and regulation will go hand in hand.
