21Shares Drops 3 XRP Price Predictions For 2026: | Crypto News
21Shares has outlined a three-scenario price outlook for XRP in 2026, arguing that the token is shifting from a litigation-defined commerce to one more and more priced on ETF-driven demand and measurable on-ledger adoption.
In a Jan. 23 research be aware, 21Shares’ Matt Mena frames 2026 as a “defining turning point” in which XRP’s valuation turns into “anchored in institutional fundamentals” after the August 2025 settlement that ended the SEC case overhang. The firm says that decision eliminated a structural constraint that had restricted XRP’s upside “regardless of underlying utility,” permitting the market to reprice to a new all-time high of $3.66 and then consolidate with the previous $2.00 ceiling appearing as help.
XRP Price Predictions For 2026
21Shares describes the post-settlement regime as a more durable atmosphere for the asset: less narrative optionality, more accountability. With the legal cloud cleared, the be aware argues XRP (*3*) introducing a “sell the news” risk if usage fails to scale and the market re-rates the asset on realized adoption fairly than legal reduction.
The firm’s view is that readability expands the addressable purchaser base and product floor space in the US “US-based institutions. Regulated funds and ETP issuers. Banks and payment companies.” In 21Shares’ telling, those channels had been beforehand constrained by compliance risk, and their re-entry units up a new part of price discovery.
The second pillar is flows. 21Shares says US spot XRP ETFs have “fundamentally rewritten” XRP’s demand profile, reaching more than $1.3 billion in belongings under management in their first month and logging a 55-day streak of consecutive inflows. The be aware leans closely on a supply-demand argument, pairing ETF absorption with what it characterizes as unusually sticky retail positioning.
“Exchange reserves are at a seven-year low of 1.7 billion XRP. Institutional ETF demand is colliding with a community that refuses to sell.” That collision, the firm argues, is the “primary engine” for a probably non-linear repricing, while also warning that reflexivity cuts both methods if inflows slow.
To ground the reflexivity case, 21Shares factors to the first yr of US Bitcoin spot ETFs as a template, citing practically $38 billion in web inflows and a price transfer from roughly $40,000 to $100,000 inside 12 months. The distinction, in its view, is liquidity overhead: XRP launched its ETF period at a a lot smaller market cap than Bitcoin did at its debut, implying a bigger marginal impression per greenback of web shopping for, offered those early seize charges persist through 2026.
The third pillar is utility, with 21Shares positioning XRPL as “financial plumbing” for tokenization and stablecoin settlement. The be aware highlights RLUSD’s growth to more than 37,000 holders and a market cap increase of over 1,800% from $72 million to $1.38 billion in under a yr, alongside XRPL DeFi TVL increasing practically 100x over two years to above $100 million. It also factors to the Multi-Purpose Tokens commonplace as a mechanism for establishments to issue RWAs with embedded metadata and compliance guidelines.
Still, 21Shares flags execution risk: progress is “evolutionary, not explosive,” and XRPL trails rivals on developer and consumer engagement, with competitors for RWA flows cited from Canton, Solana, and other ecosystems.
21Shares’ modeled peak ranges for 2026 put a base case at $2.45 (50% probability), a bull case at $2.69 (30%), and a bear case at $1.60 (implied -16%), with key swing components being sustained ETF inflows, significant tokenization volumes, and RLUSD sustaining institutional traction.
At press time, XRP traded at $1.8792.
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