Analyst Predicts XRP Price Will Reach $13 In 3 Months As Accumulation Ends

Analysts and AI models are offering a broad range of price forecasts for XRP in the coming months. Some projections suggest a possible $1.70–$5.00 range by the end of 2026, with certain models like CryptoRank AI suggesting a target of $4.40 for the end of Q1 2026. Others are more cautious, with Standard Chartered slashing its price target from $8.00 to $2.80.

The downward revision from Standard Chartered reflects growing concerns over macroeconomic headwinds, ETF outflows, and ongoing volatility in the crypto market. XRP has seen a 29% correction over the past month, raising questions about whether the asset has hit a critical support level. Institutional ETF inflows have been a key factor in recent price movements, but any weakening in this trend could lead to a lower range of $1.45–$1.52.

XRP’s price performance is closely tied to Bitcoin’s trajectory. Both assets trade below their 2025 highs, with Bitcoin at $68,567 and XRP at $1.46 as of early February 2026. However, institutional adoption remains a bright spot. BlackRock holds over 773,000 BTC, and XRP-related ETFs have absorbed $1.23 billion in inflows since late 2025. Ripple’s cross-border settlement programs and blockchain alliances are also creating structural value for the token.

Why Did This Happen?

Standard Chartered cited several factors in its decision to lower its XRP price target, including ongoing volatility and uncertainty in the institutional investment landscape. The bank’s broader market outlook is also more cautious, with revised targets for Bitcoin, Ethereum, and Solana. ETF outflows and elevated interest rates are suppressing speculative activity across the board.

XRP’s volatility is also influenced by macroeconomic conditions. The asset has seen sharp swings in recent months, with a brief dip to $1.16 in early February before stabilizing near $1.35. Traders are monitoring whether this level represents a floor or merely a pause in a broader downtrend.

How Did Markets React?

Market reactions to these developments have been mixed. Some analysts see a potential relief rally forming as XRP approaches the $1.80 level. Others warn that further downside risks remain, particularly if macroeconomic headwinds persist.

XRP’s correlation to Bitcoin remains strong at 0.7–0.9, meaning it tends to mirror Bitcoin’s performance. This makes macroeconomic shifts and regulatory developments in the broader crypto market particularly important for XRP’s near-term outlook.

What Are Analysts Watching Next?

Analysts are closely watching ETF inflows as a key driver of XRP’s price. Sustained inflows could support a rise toward $4.40, while outflows could push the token into a lower range. Ripple CEO Brad Garlinghouse has projected XRP could capture 14% of SWIFT’s transaction volume within five years, which could further boost demand.

Regulatory clarity is another critical factor. Ripple’s legal battles and evolving institutional adoption will shape the token’s long-term trajectory. Additionally, macroeconomic stability and interest rate trends will influence the broader risk appetite in crypto markets.

Investors are also considering alternative plays in the crypto space. Some are shifting focus to early-stage blockchain infrastructure platforms like BM Blockchain, which could offer higher returns before XRP and other large-cap assets stabilize.

XRP’s current price near $1.35 is in a consolidation phase, with key support at $1.30 and resistance at $1.43. Technical indicators suggest range-bound behavior unless a breakout triggers a shift in momentum. The long-term potential of XRP lies in its functional utility in cross-border transactions and enterprise blockchain solutions.