XRP Price Prediction: Analyzing the Path to $2.69 and Beyond Through 2040

#XRP

• Near-Term Technical Inflection: XRP is consolidating below its 20-day MA ($1.9989) with a bullish MACD divergence, suggesting a potential breakout. The Bollinger Bands ($1.8136 - $2.1843) define the immediate trading range.
• Powerful Fundamental Catalysts: Unprecedented payment volume ($617B in 2025), booming DeFi activity on Flare, growing tokenized assets on XRPL ($1B+), and strong institutional narratives create a robust bullish sentiment backdrop.
• Long-Term Growth Trajectory: Forecasts project a path from a 2026 bull case of ~$2.70 towards potentially multi-digit prices by 2040, driven by mass adoption, CBDC integration, and dominance in the tokenized asset economy.

XRP Price Prediction

Technical Analysis: XRP Shows Consolidation Signals Near Key Moving Average

As of January 28, 2026, XRP is trading at $1.9212, slightly below its 20-day moving average of $1.9989. According to BTCC financial analyst William, this positioning suggests the asset is in a consolidation phase. The MACD indicator, with a value of 0.1196 above its signal line at 0.0605 and a positive histogram of 0.0591, indicates building bullish momentum beneath the surface. However, price action remains contained within the Bollinger Bands, with the upper band at $2.1843 and the lower at $1.8136, framing the current range. William notes that a sustained break above the 20-day MA could signal the start of a more decisive upward move, while a hold below it may indicate continued range-bound trading.

Market Sentiment: Institutional Adoption and DeFi Growth Fuel Optimism

The news flow for XRP is overwhelmingly positive, reinforcing the technical picture of consolidation with a bullish bias. BTCC financial analyst William highlights several key themes. First, adoption narratives are strong, with Japan positioned as a potential leader and Ripple executives emphasizing XRP's strategic role. Second, on-chain and DeFi metrics are robust, including a record $617 billion in payment volume for 2025, over 91 million XRP bridged to Flare Network, and the XRP Ledger surpassing $1 billion in tokenized assets. Finally, analyst projections like 21Shares' bull case of $2.69 for 2026 add fundamental price targets. William concludes that this confluence of institutional demand, utility growth, and positive projections creates a supportive sentiment backdrop for XRP, aligning with the potential for a technical rebound.

Factors Influencing XRP’s Price

Japan Poised to Lead XRP Adoption Amid Global Crypto Evolution

Japan may emerge as the first major economy to fully embrace XRP at scale, according to crypto educator Wilberforce Theophilus. The nation's progressive stance on digital assets, particularly through initiatives like MOVE, positions it ahead of the United States in the race for institutional cryptocurrency adoption.

This development signals a potential shift in the global crypto landscape, where Asian markets increasingly dictate the pace of blockchain integration. Japan's regulatory clarity and established fintech infrastructure create fertile ground for XRP's enterprise-focused use cases.

The market implications are profound. As traditional finance institutions worldwide monitor Japan's experiment with XRP, successful implementation could trigger domino-effect adoption across G20 nations. Liquidity pools and trading volumes may see asymmetric growth on Asian exchanges before Western platforms catch up.

XRP Shows Potential for Rebound as On-Chain Data Signals Market Shift

XRP's current undervaluation, marked by a 30-day MVRV of -5.7%, suggests a potential price rebound. Short-term holders are at a loss, reducing selling pressure and creating a low-risk entry point for investors.

The asset's supply on exchanges is shrinking, further supporting the case for upward momentum. XRP isn't alone in this trend—Chainlink and Ethereum also display negative MVRV ratios, indicating broader market undervaluation.

Santiment's data reveals that when MVRV dips into negative territory, it historically precedes price recoveries. The metric measures the disparity between market value and realized value, with negative readings signaling capitulation among weak hands.

Flare’s XRP DeFi Initiative Gains Momentum with $10M in Yield Vault TVL

Flare Networks has successfully bridged over 91 million XRP tokens to its decentralized finance platform, marking a significant milestone for the project. More than 75% of these tokens are actively deployed on-chain, demonstrating strong user engagement.

The Flare XRP Yield Vault has rapidly achieved $10 million in total value locked within just 30 days of launch. The vault offers automated yield strategies and structured risk controls, providing XRP holders with previously inaccessible opportunities for yield generation.

This development transforms XRP from a historically underutilized asset into a key player in the DeFi space. The platform's growth reflects increasing institutional and retail interest in yield-bearing opportunities for digital assets.

XRP DeFi Activity Gains Momentum with Over 91M XRP Bridged on Flare

Flare Networks has reported robust performance metrics for its XRP-based decentralized finance initiative, launched mere months ago. The platform has successfully transitioned XRP from a largely dormant asset with limited smart-contract functionality into a dynamic DeFi instrument, offering yield-bearing opportunities to holders.

More than 91 million XRP tokens have been bridged to Flare, signaling growing adoption and utility for the digital asset. This development marks a significant shift in XRP's role within the broader cryptocurrency ecosystem.

21Shares Projects XRP at $2.69 in Bull Case for 2026, Highlights ETF Inflows and Stablecoin Growth

Crypto asset manager 21Shares has outlined a bullish trajectory for XRP, forecasting a base case of $2.45 and a bull case of $2.69 by 2026. The bear scenario, pegged at $1.60, hinges on slowed adoption. These projections follow unprecedented demand for XRP spot ETFs in the U.S., which amassed $1.3 billion in assets under management within their first month. The funds also set a record with 55 consecutive days of inflows—a feat unmatched by any asset class.

XRP's market dynamics differ markedly from Bitcoin's ETF debut. With an initial capitalization of $113 billion—one-eighth of Bitcoin's—XRP's smaller float magnifies the impact of institutional inflows. Exchange reserves have dwindled to a seven-year low of 1.7 billion tokens, creating a supply squeeze as ETF buying meets retail holders reluctant to sell.

Ripple's RLUSD stablecoin emerges as another growth engine, its market cap surging 1,800% to $1.38 billion in under a year. With 37,000 holders, RLUSD's adoption outpaces USDC's 269% first-year growth. Yet risks loom, including potential ETF inflow volatility and regulatory hurdles.

Ripple Reaffirms XRP's Central Role Amid Institutional Demand Growth

Ripple has moved to quell speculation that XRP is being sidelined as the company expands into custody, stablecoins, and institutional finance. Despite diversifying its product offerings, executives insist XRP remains core to Ripple's long-term strategy.

Recent market rumors suggested Ripple's new RLUSD stablecoin and institutional services might diminish XRP's importance. Leadership has countered these claims, asserting these developments are designed to enhance XRP's utility rather than replace it.

Reece Merrick, a Ripple executive, recently reinforced XRP's central position in the company's strategy. His comments align with CEO Brad Garlinghouse's longstanding position that XRP serves as the connective tissue across Ripple's growing ecosystem.

The company's expansion beyond cross-border payments represents not a departure from XRP, but an amplification of its use cases. From liquidity provision to settlements and enterprise finance, XRP continues to anchor Ripple's product suite.

Ripple plans to provide further clarity on XRP's role during an upcoming X Spaces session scheduled for February 11.

XRP Records First Green Heikin-Ashi Candle in 2 Weeks: Is the Trend Reversing?

XRP has marked its first green candlestick on the daily Heikin-Ashi chart in two weeks, signaling a potential trend reversal. The cryptocurrency, which plummeted from $2.41 in January, is now exhibiting early signs of recovery.

Market observers are closely watching whether this technical indicator translates into sustained upward momentum. The Heikin-Ashi method, which filters market noise, often provides clearer trend signals than traditional candlestick charts.

Black Swan Capitalist Dismisses XRP Price Obsession as Spectator Sport

Versan Aljarrah, founder of Black Swan Capitalist, has dismissed the fixation on XRP's short-term price movements as a distraction for "spectators." In a recent social media post, Aljarrah argued that serious investors should focus instead on the cryptocurrency's underlying infrastructure and long-term utility.

The commentary comes amid ongoing market debates about XRP's price action, which Aljarrah suggests misses the broader narrative of blockchain adoption and institutional integration. "Real investment requires understanding networks, not ticker symbols," he implied, without directly referencing competing assets like BTC or ETH.

XRP Ledger Surpasses $1B in Tokenized Assets as Exchange Supply Dries Up

The XRP Ledger has quietly become a powerhouse in asset tokenization, with newly revealed data showing over $1 billion in tokenized assets—more than double previous estimates. This milestone comes as exchange balances for XRP hit multi-year lows, signaling a structural shift toward long-term holding.

December saw $1 billion in previously uncounted assets flow onto the ledger, according to Ripple team member Luke Judges. The omissions occurred because mainstream analytics platforms failed to track holdings from Ripple's institutional partners. The revelation suggests XRP's infrastructure adoption is accelerating faster than market observers realized.

Meanwhile, traders note XRP's exchange supply has evaporated to levels not seen since 2020. The coin now trades at $1.89, with technical analysts eyeing $2.35 as the breakout level that could trigger renewed momentum. Thin exchange inventories typically precede volatile upside moves.

Ripple President to Spotlight XRP's Strategic Role at Community Day

Monica Long, President of Ripple, will underscore XRP's centrality to the company's strategy during the upcoming XRP Community Day. The event marks the second iteration of this gathering, scheduled for February.

Ripple's continued emphasis on XRP comes amid broader market volatility, positioning the digital asset as a linchpin in its cross-border payment solutions. Long's address is expected to address both technological utility and regulatory positioning.

XRP Payment Volume Surges to Record $617 Billion in 2025

XRP's annual payment volume more than doubled in 2025, reaching an all-time high of $617 billion according to Dune Analytics' latest multichain report. The figure marks a dramatic increase from $259 billion recorded in 2024.

The analytics platform tracked performance across 35 blockchain networks throughout the year, with XRP's payment activity showing unprecedented growth. This surge underscores the cryptocurrency's expanding utility in cross-border transactions and institutional payment corridors.

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

Based on the provided technical data, current market sentiment, and the trajectory of adoption, here are long-term price forecasts for XRP. It is crucial to note that these are speculative projections, not financial advice, and are subject to significant change based on regulatory developments, market cycles, and technological adoption.

As BTCC financial analyst William points out, the short-term technical setup suggests a battle around the $2.00 level. The bullish news sentiment centered on adoption, record payment volume, and growing DeFi activity provides a fundamental thesis for the moderate to bull case scenarios, especially for the 2026-2030 horizon. The long-term forecasts (2035-2040) are highly contingent on XRP securing a dominant and indispensable role in the future digital asset economy.