XRP Price Prediction: Navigating the 2026 Reset Towards 2030 & Beyond

#XRP

• Critical Technical Inflection Point: XRP is testing key support near $1.53. Its ability to hold this level and reclaim the 20-day MA at $1.84 will dictate the short-term trend direction.
• Fundamental vs. Market Dissonance: Strong regulatory and utility advancements (EU license, RWA tokenization) contrast with weak market metrics (low Open Interest, on-chain activity), suggesting a market reset before the next major move.
• Long-Term Growth Tied to Utility Adoption: Price predictions for 2030-2040 are intrinsically linked to the real-world adoption of XRP for payments and the XRPL for asset tokenization, moving beyond speculative trading.

XRP Price Prediction

Technical Analysis: XRP at Critical Juncture Below Key Moving Average

As of February 4, 2026, XRP is trading at $1.605, positioned below its 20-day moving average of $1.8427. This suggests a short-term bearish momentum. The MACD indicator shows a positive histogram of 0.0340, with the MACD line (0.1807) above the signal line (0.1466), indicating a potential for bullish convergence despite the price weakness. The Bollinger Bands place the current price near the lower band ($1.5340), which can act as a support level. A sustained break below this could signal further downside, while a rebound towards the middle band ($1.8427) WOULD be the first sign of recovery.

"The technical picture shows XRP is testing a crucial support zone," says Robert, a financial analyst at BTCC. "Trading below the 20-day MA is a concern, but the positive MACD divergence hints that selling pressure may be exhausting. The key for bulls is to defend the $1.53-$1.60 area and reclaim the $1.84 level to shift the near-term narrative."

Market Sentiment: A Mix of Regulatory Wins and Concerning Metrics

Current news flow presents a dichotomy for XRP. Positive developments include Ripple securing an EU Electronic Money License, supporting a $280 million diamond tokenization project on the XRPL, and the Moscow Exchange planning to list XRP indices and futures. These are fundamental boosts for utility and liquidity.

However, these are countered by concerning on-chain metrics: Open Interest has fallen to its lowest since 2024, and on-chain activity is at an 11-month low, indicating declining retail participation and speculative interest.

"The news cycle reflects a battle between strong foundational progress and weak near-term market engagement," analyzes Robert. "The regulatory and institutional advancements are long-term bullish, but the market is currently in a reset phase, as shown by the low open interest. Sentiment is cautiously optimistic but waiting for a catalyst to translate utility into price action."

Factors Influencing XRP’s Price

XRP Open Interest Falls to Lowest Level Since 2024: Market Reset Or Warning Signal?

XRP faces a critical juncture as its price tests the $1.60 support level, a drop from the $1.80 threshold. The decline aligns with broader crypto market weakness but reveals deeper stress in XRP's derivatives market. Open interest has plummeted to 902 million, the lowest since 2024, signaling a sharp unwind of leveraged positions.

This contraction reflects a market stripping away speculative excess. The absence of Leveraged bets may slow price action but could also set the stage for stabilization. Analysts debate whether this reset precedes a base-building phase or further downside.

XRP's Practical Utility and Cloud Mining Synergy

Ripple's XRP stands apart from hype-driven digital assets by focusing on speed, efficiency, and real-world applications. Designed for rapid cross-border transactions, it has evolved into a functional blockchain project rather than a speculative instrument. The emergence of cloud mining now democratizes access to XRP's ecosystem, eliminating technical barriers for mainstream adoption.

XRP's transaction efficiency—settling high-frequency financial transfers in seconds with minimal fees—has long attracted institutional interest. This utility cements its unique position among proof-of-work cryptocurrencies. Traditional mining's hardware and expertise requirements are being disrupted by cloud-based solutions that allow participation through computing contracts without physical infrastructure.

XRP On-Chain Activity Hits 11-Month Low Amid Declining Retail Participation

XRP's network metrics paint a concerning picture as active addresses collapse to 15,743 - the lowest since February 2023. The token struggles at $1.60 support while ETF outflows dominate January's Flow dynamics.

Velocity data reveals volatile, speculation-driven movement rather than organic adoption. Open interest plunges to $2.9 billion, reflecting eroding trader confidence as price action remains trapped in a bearish channel.

Ripple Supports Tokenization of $280M in Diamonds on XRPL, Boosting XRP Price Prospects

Ripple has partnered with Billiton Diamond and Ctrl Alt to tokenize over AED 1 billion ($280 million) of certified polished diamonds on the XRP Ledger (XRPL). This institutional-grade blockchain initiative aims to democratize diamond investments while reinforcing XRP's utility as a bridge between physical assets and the digital economy.

Reece Merrick, Ripple's Managing Director for Middle East & Africa, highlighted the project's significance: "Our enterprise custody solution delivers unrivaled security for high-value assets," signaling broader adoption of XRPL for real-world asset tokenization.

Analysts suggest this development could reignite XRP's bullish momentum, with price targets revisiting the $2.00 threshold. The token's prospects are further bolstered by $1.2 billion in ETF inflows, reflecting growing institutional demand for Ripple's infrastructure solutions.

Ripple Secures EU Electronic Money License in Luxembourg to Expand XRP-Powered Payments

Ripple has obtained a full Electronic Money Institution (EMI) license from Luxembourg's financial regulator, the CSSF, marking a strategic advance in its European expansion. The approval enables the crypto payments firm to offer regulated digital asset services across the EU, with XRP positioned as the cornerstone of its cross-border settlement infrastructure.

The license culminates a months-long regulatory process following preliminary approval in January 2026. Ripple's UK and Europe managing director Cassie Craddock emphasized the milestone's significance for scaling compliant payment solutions. Luxembourg's status as a fintech hub provides a springboard for broader EU market penetration.

XRP Locked In DeFi Continues To Rise Across The Ecosystem

XRP's role in decentralized finance is expanding rapidly, with over 222.2 million tokens now actively deployed across DeFi protocols. The growing utilization signals a fundamental shift in how the digital asset is being used—moving beyond simple transfers to participate in yield generation and liquidity provision.

Mason Versluis, a prominent X platform builder, highlights the significance of this trend. "When tokens are being utilized, they're less likely to be sold," he notes. The migration of XRP into dApps and on-chain financial products reflects strengthening confidence in the asset's DeFi infrastructure.

This development could prove pivotal for XRP's long-term valuation. As more tokens become embedded in productive DeFi use cases, the circulating supply available for speculative trading diminishes—potentially creating upward price pressure during periods of increased demand.

Moscow Exchange to Launch XRP Indices and Futures in Pivot Toward Crypto Liquidity

The Moscow Exchange (MOEX) is preparing to introduce indices and futures contracts for XRP, marking a strategic shift in Russia's approach to digital assets. This development underscores the growing role of cryptocurrencies in facilitating cross-border transactions outside traditional banking channels like SWIFT.

XRP's selection reflects its established position as a bridge currency for institutional settlements, with its speed and low transaction costs making it particularly suited for derivatives trading. The MOVE effectively brings crypto volatility into the realm of regulated financial instruments, transitioning what was once a retail-dominated market into institutional territory.

The irony of a U.S.-based blockchain project potentially becoming a liquidity conduit for a sanctioned economy hasn't gone unnoticed. This institutional embrace of XRP futures allows Russian investors to gain crypto exposure without direct token ownership, representing a significant step in digital asset integration within the country's financial system.

Amazon-XRP Integration Speculation Resurfaces with Potential Market Impact

Rumors of a partnership between Amazon and Ripple's XRP have reignited market speculation. Crypto expert @matttttt187 outlined potential transformative effects if Amazon integrates XRP into its services, particularly through Amazon Web Services (AWS). The discussion centers on AWS's exploration of Amazon Bedrock, a generative AI platform, to analyze XRP Ledger data in real time.

Such an integration could redefine XRP's utility and market positioning. The third-largest cryptocurrency stands to gain significant adoption leverage from Amazon's global infrastructure. AWS's cloud capabilities paired with XRP's ledger technology may create a new paradigm for enterprise blockchain solutions.

White House Sets Late February Deadline for Stablecoin Yield Compromise

Senior WHITE House officials convened a critical meeting with major crypto firms and banking groups on February 2 to resolve the stalemate over stablecoin rewards under the Digital Asset Market Clarity Act. The discussions, described as constructive, focused on whether non-bank platforms like Coinbase should be permitted to offer yields on dollar-pegged stablecoins—a contentious issue delaying broader crypto legislation.

Banks argue that stablecoin yields divert deposits, shrinking capital available for lending. Crypto firms counter that users deserve risk-free returns on digital dollars without bank intermediation. Both sides agree on the need for clear rules but remain divided on who qualifies to provide rewards.

Executives from Coinbase, Ripple, Kraken, and Tether attended the talks. The outcome could reshape market dynamics for tokens like USDT and USDC, while exchanges like Binance and Coinbase await regulatory clarity.

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

Based on the current technical setup, fundamental developments, and long-term adoption trends, here is a framework for XRP price predictions. Disclaimer: These are speculative forecasts, not financial advice.

"The path from today's $1.60 to these long-term targets is not linear," cautions Robert. "2026 looks like a consolidation and foundation-building year. The projections for 2030 and beyond are predicated on the successful execution of Ripple's utility roadmap and broader crypto market maturation. Investors should focus on adoption metrics, not just price headlines."