XRP to $10 in 2026? The Realistic Path Explained

XRP dipped to $1.95 amid market anxiety, sparking fear among holders. However, cryptocurrency experts like Zach Rector forecast a strategic breakout in 2026, targeting a $5-$10 range despite heavy selling pressure.

With regulatory clarity on the horizon, traders are wondering if this could be the setup for massive returns, possibly even smashing through the $10 barrier this year, or if the sellers dominate.

What’s Fueling XRP’s 2026 Outlook

Crypto trading analyst Zach Rector, in a recent YouTube video streamed on January 20, addressed widespread FUD surrounding XRP. He highlighted frustration over delayed adoption and regulation, but remains optimistic due to incoming liquidity cycles.

Rector points to a persistent “sell wall” between $5 and $10, a barrier discussed since 2021. Last year’s peak hit $3.66, falling short. Now, with more holders entering, this wall has grown, as short-term traders and frustrated OGs plan exits. As he said:

“The best odds are in XRP by far.”

On X, fellow crypto expert EGRAG CRYPTO shared a chart analysis, emphasizing structure over headlines for a high-probability move. Similarly, CoinsKid noted XRP’s radar near a buy zone, predicting a bull trap pump after a rollback from $2.40.

Hey CKC,#xrp #cryptoradar update, a few weeks back I was micro bearish as this entered the sell zone.

I relayed that to you at $2.40 and #xrp rolled back as expected.

Our #xrp cheat sheet expects another bull trap pump from here and the #xrpradar is almost in the buy zone 👍 pic.twitter.com/Uu0SPxLhz0

— CoinsKid (@Coins_Kid) January 20, 2026

These views align with broader sentiment, as XRP trades at $1.92, down 3.2% on the day, losing 8.5% across the past week, while gaining 0.4% on its monthly chart, according to the most recent price information.

*XRP price 7-day chart. Source:* *CoinGecko*

Why XRP Could Outperform Gold and Stocks

Rector argues XRP offers superior ROI potential, potentially doubling or tripling from current levels in 12 months. He compares it favorably to gold and silver, now at all-time highs, questioning their doubling odds versus XRP reaching $4.

Regulatory tailwinds bolster this: The Clarity Act and the Fed’s expected QE could inject billions, per Rector. AI models predict base cases of $2-$4 by the end of 2026, with upside to $14 if adoption surges.

From investors’ point of view, breaking the sell wall could establish a $3-$5 floor, paving the way for double digits by 2023. Rector plans partial sales for real estate diversification, underscoring strategic holding amid economic pressures.

This conclusion is grounded in cycles. XRP’s utility in cross-border payments positions it for institutional inflows, potentially outperforming commodities and stocks with 100%-300% gains.