Standard Chartered Shares XRP Price Prediction for 2026

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Bullish projections for XRP have resurfaced, with renewed focus on a potential move toward $8 by 2026. This prediction from Standard Chartered implies an upside of more than 300% from current levels.

While XRP’s price action remains constrained in the near term, market behavior suggests strategic positioning rather than disorderly selling.

Regulatory Shifts Alter the Long-Term Framework

Standard Chartered’s renewed confidence in XRP is rooted primarily in changes to the U.S. regulatory environment. For much of the previous market cycle, legal uncertainty rested on XRP’s adoption and limited institutional participation.

According to Geoff Kendrick, the bank’s global head of digital assets research, improved regulatory clarity has reduced those constraints and created a more stable foundation for growth.

The bank’s $8 target is framed as a structural repricing rather than a momentum-driven surge. In this view, XRP’s earlier underperformance was a result of regulatory friction, not weaknesses in the asset’s utility.

With that overhang easing, Standard Chartered argues that XRP can now scale within institutional portfolios and cross-border payment infrastructure freely over the coming years.

Institutional Flows and Supply Dynamics

Institutional interest has increasingly emerged through market structure rather than price acceleration. Since November, U.S.-based spot XRP exchange-traded funds (ETFs) have attracted over $1.25 billion in net inflows, with more than 1 month of positive flows.

Compared with the more volatile allocation patterns observed in Bitcoin and Ethereum ETFs, XRP-related flows have been steadier, suggesting longer-term positioning.

Alongside ETF activity, XRP balances held on centralized exchanges have declined toward multi-year lows. This reduction in readily available supply does not guarantee higher prices, but it can amplify market reactions when demand changes.

XRP Consolidates Near Key Support as Leverage Builds

In the short term, XRP has struggled to reclaim higher levels. The token recently fell to around $1.87, posting a modest decline even as trading volume rose more than 20% above recent averages. Elevated activity without meaningful price movement typically reflects rotation or positioning rather than panic-driven exits.

The $1.85 area has continued to act as a key support zone, absorbing selling pressure and preventing a deeper pullback. However, upside attempts have repeatedly stalled near the $1.88 region, where sellers remain active. With moving averages still trending lower, the technical backdrop remains cautious.

Derivatives data adds further complexity to the setup. Open interest has climbed to roughly $3.43 billion, indicating growing leverage, while spot flows have remained modestly negative. Attention is now turning to January’s scheduled release of 1 billion XRP from escrow, which typically heightens sensitivity when the price is tightly compressed.

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