XRP Price Prediction: 2026, 2030, 2035 & 2040 Forecasts

#XRP

• Mixed Technicals with Bullish Bias: Current price is below key moving average, suggesting caution, but positive MACD momentum and Bollinger Band support hint at a potential near-term rebound.
• Strong Fundamental Catalysts: Regulatory progress in Japan and functional upgrades to the XRP Ledger (permissioned domains, DEX) are tangible drivers for long-term utility and adoption.
• Speculative Long-Term Growth: Forecasts project significant price appreciation over decades, predicated on XRP's success in capturing market share in cross-border settlement and the evolving digital asset infrastructure.

XRP Price Prediction

Technical Analysis: XRP/USDT

According to BTCC financial analyst Emma, the XRP/USDT trading pair presents a mixed technical picture as of January 27, 2026. The current price of $1.9039 sits below the 20-day moving average of $2.0215, suggesting near-term bearish pressure. However, the MACD indicator shows a positive reading of 0.0581, with the MACD line (0.0884) above the signal line (0.0303), indicating underlying bullish momentum may be building. The price is currently trading near the lower Bollinger Band at $1.8256, which could act as a support level. A sustained break below this band might signal further downside, while a rebound towards the middle band at $2.0215 WOULD be the first sign of a recovery.

Market Sentiment & Catalysts

BTCC financial analyst Emma highlights that fundamental developments are creating a constructive long-term backdrop for XRP, which aligns with the cautiously optimistic technical outlook. The approval of permissioned domains and DEX proposals on the XRP Ledger (XRPL) is a significant step toward enhancing its utility and institutional adoption. Furthermore, Japan's regulatory reclassification of XRP as 'financial infrastructure' provides legitimacy and could open doors for broader integration within traditional finance. The broader macro trend of BRICS-led de-dollarization, while a long-term narrative, could indirectly benefit alternative settlement assets like XRP. These developments support a bullish sentiment for XRP's adoption trajectory, though short-term price action will remain tied to broader crypto market dynamics.

Factors Influencing XRP’s Price

BRICS Expansion Accelerates De-Dollarization Amid US Dollar Structural Shock

The US dollar faces unprecedented structural pressure as BRICS nations advance de-dollarization efforts through Central Bank digital currencies and alternative payment systems. Global dollar reserves have dipped below 40%—a two-decade low—signaling a potential inflection point in monetary history.

Former President TRUMP issued stark warnings against BRICS' currency ambitions, framing them as a direct threat to dollar hegemony. His proposed 100% tariffs on participating nations reveal Washington's growing anxiety about this financial realignment.

The Reserve Bank of India's push for CBDC integration at the 2026 BRICS summit exemplifies how digital assets are becoming geopolitical tools. This development coincides with cryptocurrency markets showing increased volatility, particularly among altcoins with cross-border payment utility like XRP and stablecoin alternatives.

XRPL Commons Approves Permissioned Domains and DEX Proposals After Devnet Tests

The XRPL Commons community has greenlit two significant network upgrades following successful development network testing. The group endorsed XLS-80 (Permissioned Domains) and XLS-81 (Permissioned DEXes) during its routine amendment voting session, with the former already meeting validator thresholds for integration into the XRP Ledger.

Permissioned Domains, backed by 88% of validators, introduces restricted network zones with credential-based access controls. The amendment is projected to activate on February 4, 2026. Meanwhile, a separate proposal concerning token escrow remains under review pending additional testing, while another was rejected after technical flaws emerged.

The validator-driven governance process requires sustained supermajority support before amendments go live. This development signals continued evolution of the XRP Ledger's infrastructure, particularly in regulated use cases and decentralized finance applications.

Japan's Regulatory Shift: XRP Reclassified as Financial Infrastructure

Japan is making a decisive MOVE to integrate XRP into its financial system, marking a significant departure from the speculative treatment of cryptocurrencies in other major economies. The country is reclassifying the digital asset under the Financial Instruments and Exchange Act (FIEA), a regulatory framework designed for capital markets rather than speculative trading.

This strategic pivot transforms XRP from a volatile trading instrument into formal financial infrastructure. While markets like the US and South Korea view XRP primarily through a speculative lens, Japan's approach signals institutional validation. The FIEA designation implies regulatory oversight comparable to traditional securities—a stark contrast to the unbridled volatility of crypto exchanges.

Analysts note the absence of price discussion in official communications underscores Japan's focus on utility over speculation. The integration could establish XRP as a settlement LAYER for Japanese capital markets, mirroring the role of government bonds or commercial paper in conventional finance.

XRP Price Predictions: 2026, 2030, 2035, 2040 Forecasts

Based on the current technical setup and fundamental catalysts, BTCC financial analyst Emma provides the following long-term price forecasts for XRP. These projections are speculative and consider potential adoption of the XRPL, regulatory clarity, and macro trends.

Important Disclaimer: These forecasts are not financial advice. Cryptocurrency markets are highly volatile. Prices can be influenced by unforeseen regulatory changes, technological shifts, market sentiment, and broader economic conditions.