With a nice rally in the crypto market forming over the weekend heading into what could be a high-volatility and closely-watched event (the upcoming FOMC interest rate decision Wednesday), investors have plenty to pay attention to with top-tier cryptocurrencies.
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XRP trades near $2 per token and has already breached $3 twice in 2025.
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The token\’s adoption depends on cross-border payment growth and expanded banking partnerships.
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XRP is flat year-to-date while many top tokens are down 50% or more.
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XRP (CRYPTO:XRP) is one of the top-10 tokens I continue to pay very close attention to. Much of that has to do with this network’s underlying technology, its overall business model, and the value the XRP Ledger provides in facilitating cross-border transactions like few other networks can.
Indeed, much of the broader thesis around crypto adoption really stems from the ability for retail and institutional entities to transfer value across the globe in a very efficient and low-cost manner. XRP allows investors to do just that, with near-instantaneous transactions being facilitated for a microscopic fraction of what large banks or dealers charge in terms of both transaction fees and exchange rate premiums.
Let’s dive into the bull thesis behind XRP, and why this token could potentially hit the $3 level in 2026.
Rocket ship taking off
I’m not going to sugar coat it, it’s been a tough year to be a crypto investor. XRP has actually been a standout, actually trading flat on a year-to-date basis. That’s a heck of a lot better than many other top tokens which are down 50% or more, but a 0% year isn’t something most XRP investors are likely to be happy with.
There are reasons for this disappointment, with plenty of growth catalysts in place that many investors were hoping would bring another big year, as we saw in 2024. That said, there are also plenty of headwinds weighing digital assets down, from expectations that interest rate cuts may come to an end shortly, to bubble concerns proliferating in various areas of the market. We’ll have to see who will ultimately win the tug-of-war that is set up to be a bumpy 2026.
I think a confluence of bullish factors will need to play out in order for XRP to hit the $3 level in 2026. Such a return would not be out of the ordinary for a token that’s seen much more impressive upside over one-year periods. But I’d say that a favorable macro backdrop combined with continued favorable regulatory developments, accelerated adoption and continued strength in the crypto sector overall would be required for such a return to materialize.
