XRP Price Prediction: 2026-2040 Forecast Analysis and Key Market Drivers

#XRP

• Technical Position: XRP is consolidating below its 20-day MA ($2.02), with MACD hinting at building bullish momentum. A break above the Bollinger Band upper line at $2.22 could signal the start of a new uptrend.
• Fundamental Drivers: Expansion in Saudi Arabia and the launch of XRP Ledger 3.0 provide positive adoption and tech narratives. However, ETF outflows and unverified retail claims introduce near-term uncertainty and sentiment risk.
• Long-Term Trajectory: Forecasts suggest gradual appreciation through 2040, driven by institutional adoption and utility in global finance. The wide forecast ranges reflect high volatility inherent to the crypto asset class.

XRP Price Prediction

Technical Analysis: XRP Trading at $1.90 Shows Consolidation Below Key Moving Average

According to BTCC financial analyst Mia, XRP is currently trading at, positioned below its 20-day moving average of $2.0213. This suggests the asset is in a short-term consolidation phase. The MACD indicator shows a positive histogram reading of 0.0584, with the signal line at 0.0304 and MACD line at 0.0888, indicating potential for upward momentum. The Bollinger Bands place the current price NEAR the middle band, with upper resistance at $2.2178 and lower support at $1.8248. The proximity to the middle band suggests a period of equilibrium before the next directional move.

Market Sentiment: Mixed Signals Amid Regulatory Developments and Technical Patterns

BTCC financial analyst Mia notes that market sentiment presents a complex picture. Positive developments include Ripple's expansion in Saudi Arabia through partnerships with Riyad Bank and Jeel, which could drive long-term adoption. The launch of XRP Ledger 3.0 represents technological progress. However, concerning factors include the first weekly outflows from XRP ETFs, dominated by Grayscale selling, and Bloomberg's warning about potential support breakdown. Unverified claims about XRP payments at KFC add speculative noise. The ascending triangle pattern mentioned in news suggests technical traders are watching for a breakout, but the overall sentiment requires cautious Optimism given the mixed signals.

Factors Influencing XRP's Price

Trump-Linked Financial Initiative Positions XRP for Strategic Growth by 2026

Digital assets are transitioning from speculative instruments to core components of long-term financial strategy, according to signals from Trump-aligned initiatives. World Liberty Financial (WLFI), a family-backed project, is actively advancing cryptocurrency regulation and stablecoin legalization—a move that could redefine the U.S. digital asset landscape.

XRP emerges as a standout candidate for exponential gains, leveraging its established cross-border payment infrastructure, institutional partnerships, and improving regulatory clarity. By 2026, its utility-driven design may capture disproportionate market upside.

Sophisticated investors are shifting focus from price speculation to infrastructure-based exposure. Cloud mining solutions like DCRMining offer cash-flow-driven participation in XRP’s growth without hardware burdens, reframing mining as an automated income stream.

XRP Nears Critical Breakout as Ascending Triangle Pattern Suggests Major Rally Ahead

XRP trades near $1.87, testing a multi-year resistance level within a long-term ascending triangle formation. The pattern's series of higher lows and shrinking pullbacks signals growing buyer dominance, with the 20-month EMA reinforcing bullish sentiment.

ChartNerd projects a 2026 price target of $4-$6, citing 2025 as an accumulation phase. The asset has maintained footing above former resistance-turned-support after consolidating above $2 for over a year. Current price action suggests an impending volatility expansion.

The tightening technical structure indicates decreasing sell pressure, with each retracement attracting earlier buyer participation. Market observers anticipate a decisive move as XRP approaches the triangle's apex, potentially defining its trajectory through the next market cycle.

XRP ETFs See First Weekly Outflows as Grayscale Dominates Sell-Off

XRP exchange-traded funds recorded their first weekly net outflows since launch, with $40.64 million exiting the products. Grayscale's XRP Trust led the retreat, shedding $55.39 million—more than the total net outflow across all issuers.

Bitwise managed $8.69 million in inflows, insufficient to offset broader declines. The reversal comes after XRP's price slid from $2.40 to $1.88 in January, testing investor conviction despite $1.36 billion in total assets under management.

Unverified Claims Surface About XRP Payments at KFC Locations in Arizona

Rumors of XRP being accepted at select KFC outlets in Phoenix, Arizona, have sparked debate within the cryptocurrency community. A social media post by user "WF" claimed the development as a "breaking update," but provided no verifiable evidence or official statements from KFC, Ripple, or payment processors.

The assertion was quickly challenged by another user, "cryptos_small," who dismissed it as unsubstantiated. Neither KFC nor Ripple has commented on the alleged partnership, leaving the claim in speculative territory. Market participants are advised to await formal confirmation before drawing conclusions.

Ripple Expands in Saudi Arabia with Riyad Bank Innovation Arm

Ripple has forged a strategic partnership with Jeel Movement, the digital innovation subsidiary of Riyad Bank, to advance blockchain integration within Saudi Arabia's financial infrastructure. The collaboration targets cross-border payment solutions, digital asset custody, and tokenization initiatives—key pillars for modernizing the kingdom's financial ecosystem.

The alliance aligns with Saudi Vision 2030's fintech adoption goals, leveraging Riyad Bank's $130 billion asset base and Jeel Movement's mandate for digital transformation. Ripple's regional lead Reece Merrick emphasized the partnership's potential to accelerate institutional blockchain adoption in MENA markets.

Ripple Partners with Jeel to Advance Blockchain Financial Infrastructure in Saudi Arabia

Riyad Bank subsidiary Jeel has entered a strategic collaboration with Ripple to develop blockchain-based financial solutions, targeting cross-border payment efficiency and digital asset innovation. The partnership leverages Jeel's regulatory sandbox to test compliant infrastructure aligned with Saudi Arabia's Vision 2030 digital transformation goals.

Focus areas include real-time settlement systems and asset tokenization frameworks. Ripple gains a foothold in Saudi Arabia's $10 billion fintech market through this alliance, while Jeel accesses enterprise-grade blockchain expertise to modernize regional finance.

These Key Levels Are Crucial for XRP Next Trend Direction

XRP is once again capturing market focus as cryptocurrency prices slide across the board. The asset has retreated from its 2025 peak of $3.65, now trading below $1.90 amid weekend selling pressure.

The token's ability to hold critical support levels will determine its near-term trajectory. Market participants are watching for either a consolidation above $1.80 or a breakdown that could signal further declines.

XRP Ledger 3.0 Launches as Key Developer Retires Legacy Node

David Schwartz, Ripple's CTO, has decommissioned his personal XRP Ledger hub ahead of the network's 3.0 upgrade. The retired node served as critical infrastructure for routing and peer discovery, with its final performance metrics showing consistent 100-200 Mbps bandwidth handling capacity.

The newly released XRP Ledger 3.0.0 introduces significant technical enhancements including refined escrow accounting protocols and fixes for Automated Market Maker rounding errors. Developers have implemented stricter API validations and added simulation metadata fields to improve transaction transparency.

Schwartz's decision to publish operational data from his experimental node provides rare insight into the network's backbone. The upgrade coincides with broader infrastructure improvements, including refactored CI workflows and enhanced testing modules that promise greater system reliability.

Bloomberg Strategist Warns of XRP Support Breakdown Amid Crypto Market Correction

Bloomberg Senior Commodity Strategist Mike McGlone has issued a cautionary note on XRP's price trajectory, highlighting the risk of a breakdown below critical support levels. The warning aligns with a broader corrective phase sweeping through cryptocurrency markets.

XRP's technical outlook mirrors the fragility seen across digital assets, with McGlone's analysis suggesting potential downside continuation. Market participants are watching key levels as the asset tests longstanding support structures.

XRP Surges 31,000% Since 2012 Despite Ripple's Massive Sales

XRP has defied expectations with a staggering 31,000% price appreciation since 2012, even as Ripple and its executives sold over 58 billion tokens during the same period. The cryptocurrency's resilience challenges the prevailing narrative that Ripple's consistent sales suppressed its value.

Market observers note this performance contradicts assumptions about the impact of large-scale token distributions. XRP's ability to maintain upward momentum despite heavy selling pressure suggests deeper liquidity and demand dynamics at play.

Is 20,000 XRP Enough? Crypto CEO Makes Financial Breakdown

Jake Claver, CEO of Digital Ascension Group, has reignited a perennial debate within the XRP community: what constitutes a meaningful holding of the digital asset? His analysis focuses on a baseline of 20,000 XRP, framing it as a potential threshold for meaningful financial impact.

The discussion arrives as XRP continues to navigate regulatory uncertainty and market volatility. Claver's perspective offers a concrete benchmark for investors weighing exposure to the seventh-largest cryptocurrency by market capitalization.

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

Based on current technical analysis showing consolidation below the 20-day MA at $2.02, with MACD suggesting building momentum, and considering the mixed fundamental landscape of regulatory partnerships versus ETF outflows, here is a forward-looking projection. These forecasts incorporate potential adoption from Ripple's Saudi expansion, technological upgrades like XRP Ledger 3.0, and broader crypto market cycles. It's crucial to note these are speculative models, not financial advice.

As Mia highlights, the path will be volatile. Key risks include regulatory shifts, competition from other digital assets, and the pace of global financial system digitization. The 31,000% historical gain since 2012 demonstrates significant potential, but future returns will likely be less extreme as the market matures.