Focus is currently on the potential of XRP toward the end of 2026, and there is a split on views. The cryptocurrency began the year on an optimistic note, increasing by over 20% in the early days of January.
That early move has given bulls plenty of confidence, but it hasn’t erased the concerns coming from the broader macro picture. Right now, the XRP price sits in that familiar spot where optimism and caution exist side by side.
What you'll learn 👉
Why Bulls Think XRP Still Has Room to Run
Supporters of XRP’s longer-term outlook point to several potential tailwinds. One of the biggest is the possible passage of the CLARITY Act, which could finally bring clearer rules to the U.S. crypto market.
There is also growing discussion around spot XRP ETFs, along with continued expansion of DeFi activity tied to the XRP ecosystem. Combined with XRP’s strong start to 2026, these factors are keeping bullish expectations alive, especially among investors looking beyond short-term price swings.
Here Are $XRP Price Predictions for December 2026.🧵🧵🧵 pic.twitter.com/DI19fO7uTr
— TheCryptoBasic (@thecryptobasic) January 9, 2026
What Changelly and Telegaon Are Expecting
Changelly takes a relatively conservative approach. Its forecast indicates steady progress rather than explosive moves. According to the platform, the XRP price could slowly climb from around $2 to above $3 during the year.
By December 2026, Changelly sees the XRP price ranging between $3.18 and $3.49, with an average around $3.26. From current levels near $2.13, that still represents a solid gain without relying on extreme assumptions.
Telegaon offers a wider range of outcomes. While it does not map out the year month by month, it expects XRP to trade near $2.14 before potentially pushing as high as $5.18 by year’s end. That gap highlights just how dependent XRP’s trajectory is on market conditions and sentiment.
How AI Models See XRP Playing Out
AI-based forecasts add even more perspective. ChatGPT outlines four different paths. Its most likely scenario places XRP between $2 and $3.5 by December 2026. A more optimistic case lifts that range to $3 to $5, assuming ETF interest grows at a steady pace.
In a stronger breakout scenario, ChatGPT sees XRP reaching $5 to $8, while an extremely bullish outcome could push prices beyond $8 if institutional demand accelerates sharply.
Google’s Gemini chatbot follows a similar structure. The reserved approach of the technical analyst implies that the price of XRP could move between $1.80 and $3.50, bearing in mind that the price could still be pushed by the forces of regulation
A balanced approach might place XRP within $2.81 to $4.50, although a positive scenario foresees $8 for the end of the year, with potential for higher levels if ETF demand continues its current momentum.
Read Also: How Much Will XRP Be Worth at the Bitcoin, Silver, or Apple Market Cap?
What It All Means Going Forward
Taken together, the projections above demonstrate just how wide the roadmap is for XRP in the future. There is definite potential for growth, but this is also laced with a degree of uncertainty.
Where XRP will be in late 2026 is likely to be far more dependent upon the convergence of regulation and adoption trends rather than any singular factor.
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