XRP traded at $1.02 today. At that level, the token was approximately -70% below its 2025 peak near $3.50. A return to $3 in 2026 for Ripple would therefore depend on a recovery in price momentum as well as the institutional and regulatory factors that underpin the more bullish forecasts.
Worryingly, the past three sessions have seen no inflows or outflows into Ripple ETFs, potentially signaling a dwindling institutional interest in the asset.
The same snapshot placed XRP’s market capitalization at $64Bn and reported 24-hour trading volume of $1.2Bn. XRP had declined from late-November highs near $2.20 to longstanding support at the $1 level, while a pattern of lower highs describes a bearish short-term structure.
ALTCOIN: $XRP just broke $1. ETF inflows: ZERO. $8.45M longs liquidated. Network activity down 44%.
Whales just bought 380M XRP anyway. CPI on deck — does $1 hold?
pic.twitter.com/2OWPsKMQC5
— CoinMarginalX (@CoinMarginalX) August 11, 2026
ETF Demand Is a Central Part of the Bull Case
XRP exchange-traded products are a major factor in the 2026 debate. The supplied evidence reports more than $1.15Bn in combined inflows since their November 2025 launch and 30 consecutive trading sessions of net inflows. Those figures point to institutional interest even as XRP’s price remained below its 2025 peak.
For a move toward $3 to gain support from this narrative, inflows would need to remain durable. The evidence also describes a longer-term scenario in which ETF inflows scale beyond $4Bn alongside regulatory progress. That outcome is a condition in bullish projections, not a confirmed result.
CoinGlass data shows that total net inflows for XRP ETFs currently sit at $776M since they went live in November 2025. However, inflows have slowed down considerably in recent times, with the past three sessions seeing no money flowing into or out of the funds.
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Forecasts Show a Wide Range of Outcomes for Ripple
Standard Chartered projected that XRP could reach $8 by the end of 2026, with sustained ETF inflows and regulatory clarity cited as drivers. The Motley Fool offered $3 as a realistic 2026 target.
Other estimates in the supplied evidence ranged from a CoinCodex projection of $2.75 by end-2026 to a Changelly model forecasting an average price of $5.12 in 2026.
These estimates are forecasts rather than guarantees, and their range reflects uncertainty around market conditions, fund flows, and regulation.
The technical analysis also presented a bearish path toward $0.95 before a potential recovery, underscoring the difference between near-term risk and longer-term bullish cases.
Utility Is Part of the Longer-Term Debate
XRP’s cross-border payments use case remains part of its longer-term investment narrative. The evidence, however, notes that many banks use RippleNet’s messaging stack without adopting XRP for liquidity. That distinction leaves real-world settlement use as an important factor to monitor alongside ETFs and regulation.
A path toward $3 in 2026 would be supported by persistent institutional demand, greater regulatory clarity, and improving market conditions.
It would also require XRP to overcome the technical resistance and bearish momentum described in the December snapshot. The available forecasts show that $3 is within the range of published expectations, but they also show that the outcome remains uncertain.
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