21Shares’ Latest XRP Price Prediction for 2026: Potential Nearly 30% Upside

Introduction: Why Focus on XRP and 21Shares Price Predictions

XRP remains one of the most debated and promising assets in the crypto market, entering a pivotal investment phase in 2026. As the regulatory landscape improves and institutional participation increases, the market is once again turning its attention to medium- and long-term price forecasts for XRP.

Among these forecasts, those from 21Shares stand out. As a global crypto ETP issuer managing billions of dollars in assets, 21Shares serves as a key bridge between traditional finance and digital asset markets. Its outlook for XRP’s 2026 price not only shapes market sentiment but also provides a critical reference for institutions and sophisticated investors.

21Shares’ Core Price Forecast for XRP in 2026

Chart: https://www.gate.com/trade/XRP_USDT

In its latest outlook report, 21Shares uses a multi-scenario analysis model instead of a single target price, reflecting the high degree of uncertainty in the crypto market:

• Base case
  Assuming regulatory improvements and steady demand growth, XRP could reach approximately $2.45 by 2026, offering clear upside potential from current levels.
• Bull case
  If institutional adoption accelerates, ETF inflows persist, and the application layer expands, XRP could climb further to around $2.69.
• Bear case
  If adoption progress stalls or market risk appetite weakens, XRP could retreat to around $1.60.

This scenario-based forecasting approach contrasts with the linear, single-target price models common in traditional finance and better reflects the volatility of crypto assets.

Key Drivers: Regulatory Clarity, ETF Flows, and Real-World Adoption

21Shares highlights three main structural drivers behind its price forecasts:

1. Marked Improvement in Regulatory Clarity

XRP’s prolonged legal dispute with the U.S. Securities and Exchange Commission (SEC) concluded in mid-2025. This significant reduction in unresolved compliance risk gives institutions greater certainty regarding legal and regulatory participation.

This development is seen as a key prerequisite for XRP’s re-entry into mainstream institutional portfolios.

2. Structural Capital Inflows from the XRP Spot ETF

Following the launch of the XRP spot ETF in the U.S., cumulative inflows topped $1.3 billion in the first month, setting a record for the longest streak of consecutive net inflows.

21Shares notes that these inflows are not driven by short-term speculation but represent long-term allocations, materially impacting market supply and demand. Meanwhile, XRP’s available supply on exchanges has dropped to multi-year lows, and a potential circulation gap could support prices in the medium term.

3. Continued Expansion of Real-World Adoption Scenarios

XRP’s value is not limited to trading. The XRP Ledger is seeing steady development in several areas:

• Cross-border payment and settlement networks
• Issuance and use of the RLUSD stablecoin
• Tokenization of Real-World Assets (RWA)

21Shares believes that as these use cases gain traction, XRP’s fundamentals will provide more durable, non-speculative price support.

Risk Warning: Institutional Optimism Is Not Guaranteed

While the overall forecast is positive, 21Shares clearly notes that XRP still faces multiple risks:

• ETF inflows could slow or shift to other assets, weakening price momentum;
• The XRP Ledger faces intense competition in DeFi and RWA from chains like Solana and Canton, both emerging and traditional finance-oriented;
• Macro uncertainties—such as a reversal in the crypto cycle or renewed regulatory tightening—remain significant.

As a result, the bullish scenario depends on several prerequisites being met simultaneously and is not a foregone conclusion.

Conclusion: Market Significance of Scenario-Based Forecasting

In summary, 21Shares’ 2026 price forecast for XRP offers a more rational and structured analysis. By presenting base, bull, and bear scenarios, it gives the market a framework for understanding the future, not just a single, sentiment-driven number.

For investors, this scenario-based approach supports more flexible strategies rather than reliance on a single target price. Regardless of how the market evolves, regulatory progress, ETF capital flows, and real-world adoption will remain the key variables shaping XRP’s medium- and long-term outlook.