The Crypto Basic

KIMI, an artificial intelligence model connected to Alibaba Group’s ecosystem, has outlined a detailed price outlook for XRP through the end of 2026. 

The projection arrives as the asset continues recovering from ongoing volatility and attempts to regain momentum after its post-rally cooldown.

As of February 14, 2026, XRP trades around $1.46, up roughly 7% on the day but still well below its July 2025 peak near $3.66. The model notes the drop largely reflects market weakness and profit-taking following improved regulatory clarity around Ripple.

Key Points

XRP Base Case: Gradual Climb Toward $3+

KIMI places the highest probability on XRP finishing 2026 in the $2.45–$3.26 range. The AI argues that the asset is transitioning from speculation-driven cycles to infrastructure-driven valuation. This means price growth will likely track adoption rather than hype.

Under this path, XRP’s price doesn’t explode upward. Instead, it steadily appreciates as institutional usage expands and liquidity deepens.

Bullish Scenario: Path to $5 and Beyond

A stronger adoption phase could push XRP to roughly $3.50 and $5, while an extreme upside case could push it to $8.50. However, the model stresses that those outcomes require multiple developments happening together. These include:

• sustained institutional inflows into XRP investment products
• expanding stablecoin usage on the ledger
• clearer legal classification and banking access
• large-scale cross-border settlement integration

Without these converging factors, the AI suggests the asset is unlikely to maintain prices well above previous-cycle highs.

The analysis highlights structural demand rather than trading demand as the main driver. Activities from Ripple’s stablecoin ecosystem and tokenized financial assets generate ongoing transaction fees that slowly reduce circulating supply.

This differs from earlier cycles, in which retail speculation dominated price movements. The AI suggests XRP’s next rally will depend on whether financial infrastructure actually migrates onto the ledger, not social media sentiment.

Downside Risks Still Exist

Meanwhile, KIMI also warns that the recovery is fragile. A failure to hold the $1.35 region could send the asset back toward $1, especially if macroeconomic conditions tighten or institutional flows stall.

Overall, the model concludes that XRP will most likely end 2026 between $2 and $3.5, representing a moderate but meaningful gain from current prices. In the most optimistic scenario, XRP could reach $5–$8.50, implying a 3X to 6X upside for today’s holders.

Other AI Models’ Views on XRP in 2026

According to ChatGPT’s analysis, by the end of 2026, XRP’s base-case price could range from $2.5 to $5.5. Bullish scenarios could push it toward $6–$9, driven by strong institutional inflows via spot XRP ETFs and increased use in cross-border payments.

Meanwhile, Elon Musk’s AI, Grok, predicts XRP may reach $10 by the end of 2026. However, some community analysts have challenged this projection, calling it unrealistic.

Historical data indicates that XRP could be eyeing a “huge” move in the coming weeks, with a possible run to new all-time highs in March.

XRP has been at the mercy of the bears over the past few months, having collapsed 60% from its July 2025 all-time high of $3.66 to the current price around $1.44. Notably, XRP has witnessed four consecutive monthly red candles and is on track to record a fifth one for the first time since late 2016 to early 2017.

Amid the downturn, XRP has now dropped to retest a pivotal gray trendline within an ascending multi-channel structure on the monthly chart. Historical data indicates that each time XRP retests this pivotal gray trendline, what follows is an explosive run. A similar surge could take prices to $5.

Key Points

• The broader market downtrend has led to a 60% decline in the XRP price, slumping from the $3.66 peak in July 2025 to $1.44 today.
• While the persistent declines have dealt a blow to investor sentiment, market data shows they have pushed XRP to a pivotal grey trendline within an ascending multi-channel structure.
• Historical data indicates that each time XRP retests this trendline, an explosive run follows, and this time may not be different.
• This pattern has played out twice since 2017, resulting in the rallies to $3.31 in January 2018 and $3.4 in January 2025.
• If XRP follows this trend, the next upsurge could emerge in March, potentially leading to a new all-time high around $5.

XRP Retests the Gray Trendline

Market analyst Crypto Bull called attention to this ascending multi-channel structure in a recent market exposition. Data from his accompanying chart confirms that this structure has guided XRP’s price action since the asset began trading in the open market in 2013.

For context, the channel features eight parallel ascending trendlines, with a blue trendline at the top and a gray trendline at the bottom. Between these two trendlines are six other lines with different color shades, including a red one right above the gray trendline at the bottom.

With the trendlines in a continuous ascension, the gray trendline now aligns with the $1.1 XRP price. Interestingly, amid the drop to $1.11 on Feb. 6, which followed a rapid drop on Feb. 5, XRP retested the gray trendline before recovering immediately. 

“HUGE Move Coming”

Crypto Bull believes this development is bullish for XRP, citing historical data. According to him, “a HUGE move is coming for XRP.” The market analyst suggested that this huge move could come in the form of a green candle for the month of March. 

Crypto Bull predicts the green candle to lead to a price of $5, which would represent a 247% increase from the current value. Meanwhile, to put things into perspective, the same $5 marks a mere 36% increase from XRP’s $3.66 all-time high price in July 2025.

Historical Data Shows XRP Potential

Notably, historical data confirms XRP’s potential to soar rapidly shortly after retesting the grey trendline. For instance, as of early 2017, the trendline aligned with the $0.005 level. XRP’s price dropped to this level in early February 2017, and a massive 284% increase followed in March 2017.

The rally persisted after this March upsurge, eventually leading to a peak of $3.31 by January 2018. Another instance occurred in Q4 2024, when XRP retested the gray trendline after a drop to $0.5 in November 2024. Another rally emerged, leading to 283% increase that month. The rally continued until XRP claimed $3.66 in July 2025. 

However, it is important to note that past success does not guarantee future results. While XRP has rallied in previous instances, another upsurge this time is not a 100% certainty. As a result, investors should not regard this as investment advice.

Despite XRP’s recent underperformance, Tokentus Investment CEO Michel Oliver highlighted a major catalyst that could spark a major rally for the token. 

Although the broader crypto market remains in bearish territory, recent recovery attempts have emerged across major cryptocurrencies. XRP has followed suit, rebounding above $1.40 and trading near $1.43 at press time. 

Recently, market commentators argue that the current price action does not reflect XRP’s longer-term potential, as they anticipate meaningful rallies in future bull cycles that could push the asset toward new all-time highs. 

Key Points

• Tokentus CEO Michel Oliver described XRP as a potential backbone of the emerging global financial system during an appearance on German TV.
• He expects XRP to rally to $7–$9 in future bull cycles, driven by Ripple’s efforts to modernize global finance.
• Ripple has obtained more than 60 financial licenses worldwide, including a recently secured U.K. electronic money license.
• XRP shows early signs of recovery, rebounding above the $1.40 level.

Tokentus CEO Frames XRP as Backbone of Modern Finance 

Oliver expressed these views recently on Der Aktionär TV, a leading German financial television network. During a TV segment, he projected that XRP could eventually climb to around $9. He based this outlook on his expectation that XRP will become a core pillar of the emerging financial system. 

According to him, Ripple is actively modernizing traditional finance through the XRP Ledger (XRPL), a blockchain designed to provide fast, low-cost, and scalable settlement infrastructure. He explained that XRP functions as the native asset of the XRPL, enabling seamless cross-border value transfers. 

As Ripple accelerates this transformation, Oliver highlighted the company’s expanding regulatory footprint, noting that it has secured more than 60 financial licenses worldwide, including its recently obtained U.K. approval. Consequently, he argued that Ripple is strategically positioning itself at the center of next-generation financial infrastructure.

$7–$9 Price Target Remains Feasible

Meanwhile, he cautioned that the ecosystem’s full potential may not be realized in the current bull market, as transformative growth often unfolds after market cycles reset. Nonetheless, he remains confident that XRP will continue to gain traction, particularly as institutional adoption deepens.

Looking ahead, Oliver reaffirmed that XRP price targets of $7, $8, and $9 remain realistic. He attributed this outlook to Ripple’s ongoing push to modernize the financial system, combined with rising demand for spot XRP exchange-traded funds (ETFs), which have cumulatively attracted $1.23 billion in inflows. 

In his view, these long-term fundamentals, not short-term speculation, will drive XRP’s strongest gains in future bull runs. At the current price of $1.43, XRP would need a 529% rally to reach the peak target of $9. 

Meanwhile, Ripple continues to strengthen XRP’s utility within the financial ecosystem. The company has secured partnerships with major players that use Ripple Payments to power cross-border settlements. Notably, its alliance with RedotPay expanded XRP’s reach into Nigeria, Africa’s largest market. 

However, despite Ripple’s push to modernize global finance and position XRP at the center of this transformation, it remains uncertain whether the token will ultimately reach the projected targets. 

A market analyst who correctly predicted the XRP rally from $0.5 to $2.47 has now shared what he believes is the next target to watch.

XRP’s rally from $0.5 in November 2024 marked one of the most explosive rallies by any top 10 crypto asset in recent times, with CNBC calling XRP the biggest gainer of the Trump-led market upsurge at the time. However, after reaching the $3.66 peak in July 2025, XRP now faces consistent bearish pressure.

Interestingly, one of the analysts who correctly predicted the November 2024 rally has now emerged to suggest where XRP could target next. According to him, this cycle’s altcoin season may be on the horizon, and XRP could benefit from this phase, possibly pushing to a new all-time high of $4.804.

Key Points

• XRP’s November 2024 rally from $0.5 marked the most explosive run from any top 10 crypto asset in recent times.
• However, after soaring to a peak of $3.66 in July 2025, XRP has since continued to face bearish pressure, now trading at $1.4.
• Amid this downturn, one of the analysts who predicted the November 2024 rally has shared the next target to watch.
• He suggested that the altcoin season for this cycle may emerge soon, and XRP could leverage this phase to hit new all-time highs.
• According to him, the first upside target for such an uptick sits at $4.804, with the possibility of an extended run to $15+.

XRP’s November 2024 Rally and Pullback

This commentary came from analyst Javon Marks, as XRP struggles to retain some of the gains from the November 2024 rally. For context, after changing hands between $0.4 and $0.6 throughout 2024, XRP eventually rode on the Trump-led broader market upsurge in November 2024 to secure impressive gains.

From $0.5 in early November 2024, XRP spiked to a peak of $3.4 by January 2025 before pulling back, consolidating around $2 to $3 for a few months and then resuming the upsurge to a new all-time high of $3.66. This marked a 632% increase from the $0.5 price.

However, today, XRP has given up most of the gains from the previous rally. Currently trading for $1.4, XRP is only 180% up from the $0.5 value. The ongoing market turbulence began in October 2025, impacting the broader crypto market, which has lost $1.53 trillion within this period. 

A Recovery Could Ensue

Interestingly, Javon Marks was one of the few analysts who actually predicted an explosive XRP rally when it traded for $0.5. As far back as January 2024, Marks predicted that XRP could soar to $2.47. At the time, XRP’s price stood at $0.56, making a 340% rise to $2.47 difficult to imagine. 

Marks continuously discussed this target until XRP eventually claimed it in early December 2024. The rally saw XRP push above the $2.47 target to a peak of $3.4 by January 2025, and then to $3.66 in July 2025. Now that XRP has corrected from these highs, Marks believes a recovery may be imminent.

Where Does XRP Target Next?

According to him, this recovery would align with the forthcoming altcoin season. Javon Marks expects XRP to first reclaim the $2.47 area, which now acts as a major resistance, before pushing above it again to a new all-time high of $4.804. From the current price, XRP would need to rise 76% to reach $2.47 and 243% to the new $4.804 target.

Meanwhile, Marks believes the possibility of an extended upsurge remains in play. Data from his chart points to a further target of $7.138 if XRP sustains the rally beyond $4.804. Interestingly, the analyst also suggested that “$15+ remains on the radar” when considering a much larger aspect.

Several months ago, many traders thought XRP would never reach $1 again, but the price has now shifted significantly.

Key Points

• Months ago, traders said XRP would never hit $1; now analysts see a potential $10 target.
• XRP broke $1 in Nov 2024, reached $3 by Jan 2025, but recent dips test investor confidence.
• Analysts suggest a bottom near $1.20–$1.30, with a rebound possibly reaching $4–$10 next.
• Bulls view current levels as accumulation; caution remains, as a $1 retest could occur.

“XRP Will Never Reach $1 Again”

In a tweet, widely followed community analyst CryptoBull noted that roughly 18 months ago, many traders insisted the asset would never reclaim the $1 level. At the time, XRP was on a historic bull run, breaking above the $0.50 range “for good.”

Specifically, in November 2024, XRP’s price broke out of the $0.50 range and surpassed $1 for the first time in three years. It later reached $2 the same month and continued to climb to $3 by January 2025.

At the time, many believed that buying XRP under $1 was no longer possible, expecting only an uptrend. However, with the ongoing bearish market, XRP now risks dropping below $1 once again. For CryptoBull, this is another opportunity to enter before the next leg up.

From “Never $1 Again” to Double-Digit Talk

The comments come during a volatile period for the market. Earlier this month, XRP fell near $1.11 after a broad sell-off triggered by Bitcoin sliding toward $60,000. The drop erased about 70% of gains from the July 2025 high around $3.66.

However, the asset quickly rebounded and has been fluctuating in the mid-$1 range, prompting debate over whether a base is forming.

Several analysts now outline a bottom forming between roughly $1.20 and $1.30, with a potential breakout to $4. According to CryptoBull, XRP’s next milestone is a move into the double-digit range, with a target of $10.

Market watcher ExtraVOD shared a similar view, describing the recent decline as market exhaustion and suggesting XRP could accelerate into higher price ranges soon.

“Next Best Opportunity”

In a separate commentary, YouTuber Jesus Martinez echoed the recurring theme of regret over missed opportunities. He reminded followers that investors have historically wished they bought early—whether Bitcoin at $1,000 or XRP at $0.10—and suggested the market may be presenting a similar opportunity now.

Meanwhile, analyst Zach Rector believes the market could revisit the psychological $1 level and below to complete a double-bottom structure before a sustained rally begins. Rather than waiting for exact lows, he recommends positioning slightly above this level to avoid missing a reversal. He projects a $7 target in a new bull phase.

Essentially, bulls see the current range as an accumulation phase after a 70% reset, while cautious traders warn that another retest near $1 is possible. Sentiment is transitioning from fear toward cautious optimism, the same shift that historically preceded XRP’s strongest rallies, according to analysts.