Top Bullish Predictions That Put XRP Price At New All-Time Highs Above $3.8

XRP is trading at approximately $2.06 as of January 13, 2026, remaining below its July 2025 high of $3.65. Analysts are increasingly optimistic about the potential for a price recovery, with some predictions suggesting a return to $3.65 and beyond. The cryptocurrency has fallen 44% from its peak, but institutional demand is showing signs of strength.

Recent developments include the launch of spot XRP ETFs in November 2025, which have absorbed $1.3 billion in inflows without any net outflows in 50 days. These products are removing XRP from circulation at a significant pace, locking up a substantial portion of the token supply.

Standard Chartered has set an ambitious $8 price target for XRP by 2026, citing ongoing institutional adoption and the resolution of the SEC case in August 2025. This legal clarity has helped to reduce regulatory uncertainty and open the door for broader institutional participation.

Why the $3.8 Threshold Is Critical for XRP's Future Price Action

XRP is currently trading below the key $3.8 level, which represents a major psychological and technical resistance point. If the price can break through this level and hold above it, it could signal the start of a new uptrend. Technical analysts have pointed to this level as a potential turning point for XRP, especially as the asset struggles to gain traction above $2.

A number of crypto analysts have highlighted the significance of this price level. For instance, EGRAG CRYPTO has noted a developing breakout retest on monthly candlestick charts, suggesting that XRP may be poised for a significant upward move if it can maintain momentum above $1.60 to $1.40.

How Standard Chartered's $8 Target Is Underpinned by ETF Adoption and Legal Clarity

Standard Chartered's $8 price target for XRP is one of the most notable institutional projections in the market. The bank's digital assets research team, led by Geoffrey Kendrick, argues that XRP's institutional adoption is accelerating, particularly through the launch of spot ETFs. These products are pulling XRP out of circulation at a rate previously unseen outside the Bitcoin market.

The SEC's August 2025 resolution, which dismissed its case against Ripple and affirmed that XRP sales on secondary markets are not securities transactions, has also played a key role in shaping this outlook. The removal of legal risk has allowed compliance teams to focus on XRP's utility and liquidity, rather than regulatory uncertainty.

According to Kendrick, the bank's price target is built on the assumption that institutional adoption will continue to expand in 2026. This includes greater integration of XRP into operational payment systems by banks and asset managers, as well as continued growth in ETF inflows.

What Technical Analysts Are Watching for Confirmation of a Larger Uptrend

Technical analysts are closely monitoring XRP's price action for signs of a sustained breakout. Recent analysis from multiple sources has pointed to a bullish bias, with several key resistance levels ahead. For example, Crypto Feras has identified $2.67 and $3.01 as the next short-term resistance levels.

If XRP can break through these levels and maintain upward momentum, it could signal a path toward a retest of the $3.65 peak and beyond. ChartNerd has also noted that XRP's long-term upside fractal structure remains intact despite recent corrections, suggesting that the asset still has room to grow.

In addition to price action, analysts are watching Ripple's broader business developments. CEO Brad Garlinghouse has highlighted strong progress in 2025, including major acquisitions and a growing global licensing footprint. These developments, combined with favorable technical conditions, are strengthening the narrative that XRP is approaching a new cycle of growth.

As 2026 progresses, the combination of strong technical indicators, favorable regulatory developments, and rising institutional interest suggests that XRP could be on the verge of a significant price move.