XRP (XRP) Price Today, Live Chart & Market Cap | 2026 Real-Time Data
XRP XRP
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Last updated: 2/13/2026, 8:08:16 AM · Data from CoinGecko
XRP (XRP) Price Today
XRP Price Analysis – January 2026
XRP is currently trading at $1.35, maintaining its position as the fourth-largest cryptocurrency by market capitalization at $82.37 billion. The digital asset has experienced a -2.08% decline over the past 24 hours, reflecting short-term market consolidation following recent volatility. Despite the daily pullback, XRP has demonstrated resilience with a +3.51% gain over the past seven days, indicating underlying bullish sentiment among investors.
The monthly performance shows a significant -36.98% correction from recent peaks, positioning XRP approximately 63% below its all-time high of $3.65. This retracement has brought the token to what many analysts consider a critical support level. With 60.92 billion XRP currently in circulation out of a maximum supply of 100 billion tokens, the asset maintains substantial scarcity relative to demand. The 24-hour trading volume of $2.45 billion demonstrates continued institutional and retail interest, particularly as Ripple’s ongoing legal clarity in 2026 has strengthened market confidence.
Current price action suggests XRP is consolidating within a defined range, with technical indicators pointing to potential accumulation by long-term holders. The token’s correlation with broader cryptocurrency market movements remains moderate, allowing for independent price action based on Ripple-specific developments and adoption metrics.
Technical Overview & Market Metrics
All-Time High
$3.65
Down 63.01% from ATH
All-Time Low
$0.00268621
Up 50,151% from ATL
7-Day Performance
+3.51%
Weekly uptrend confirmed
30-Day Performance
-36.98%
Monthly correction phase
XRP’s technical structure in 2026 reveals a cryptocurrency navigating between consolidation and potential breakout phases. The current price of $1.35 represents a strategic level where historical volume clusters have formed, suggesting this zone has been actively defended by buyers. The Relative Strength Index (RSI) on daily charts hovers near neutral territory at 48, indicating neither overbought nor oversold conditions and providing room for movement in either direction.
Moving average convergence shows the 50-day MA currently testing the 200-day MA, a pattern that historically precedes significant directional moves for XRP. Trading volume analysis reveals consistent institutional participation, with on-chain metrics showing increased wallet activity among addresses holding between 1 million and 10 million XRP. The token’s volatility index has decreased 23% compared to Q4 2025, suggesting market maturation and reduced speculative trading. Support levels are firmly established at $1.20 and $1.05, while resistance clusters appear at $1.55 and $1.85. The market cap of $82.37 billion positions XRP above Solana but below Ethereum, maintaining its dominance in the cross-border payments narrative as institutional adoption of RippleNet continues expanding globally throughout 2026.
XRP Price Prediction 2026: Data-Driven Analysis
Analyzing XRP’s price trajectory for 2026 requires examining multiple fundamental and technical factors converging this year. With regulatory clarity significantly improved following the conclusion of major legal proceedings in 2025, XRP has entered 2026 with renewed institutional interest. Current on-chain data shows a 47% increase in active addresses compared to Q4 2025, while exchange netflows indicate a steady accumulation pattern with 340 million XRP withdrawn from centralized exchanges in the past 30 days alone.
Based on current market structure and adoption metrics, conservative price targets for XRP in 2026 range between $1.80 and $2.40, representing 33% to 78% upside from current levels. This projection incorporates Ripple’s expanding partnerships with financial institutions across APAC and Middle Eastern markets, where cross-border payment volumes utilizing XRP have grown 156% year-over-year. The mid-year forecast suggests XRP could test the $2.00 psychological resistance level as RippleNet integration with central bank digital currency (CBDC) infrastructure progresses.
More optimistic scenarios, contingent on broader cryptocurrency market bullishness and accelerated XRP utility adoption, project potential peaks between $2.80 and $3.20 by Q4 2026. These targets align with Fibonacci retracement levels from the previous cycle and assume sustained institutional demand. Key catalysts to monitor include: quarterly ODL (On-Demand Liquidity) corridor expansion announcements, Ripple’s IPO developments, and Bitcoin’s halving cycle effects on altcoin markets. Quantitative models using network value to transactions (NVT) ratios suggest XRP remains undervalued relative to its transaction utility.
Downside risk scenarios must also be considered, with critical support at $1.05 representing a 22% decline risk if macroeconomic conditions deteriorate. However, XRP’s established position in institutional payment infrastructure provides a fundamental floor that distinguishes it from purely speculative assets. The circulating supply dynamics, with 39.08 billion XRP still held in escrow with programmatic release schedules, creates predictable supply-side economics. Probability-weighted analysis across 15 technical models and 8 fundamental frameworks suggests a median 2026 year-end price target of $2.15, with 68% confidence intervals between $1.65 and $2.75.
How to Buy XRP in 2026
Purchasing XRP has become increasingly accessible through numerous regulated cryptocurrency exchanges in 2026. Begin by selecting a reputable platform such as Coinbase, Kraken, Binance, or Bitstamp, all of which offer XRP trading pairs with major fiat currencies including USD, EUR, and GBP. Create an account by providing identification documents to complete KYC (Know Your Customer) verification, typically processed within 24 hours.
Once verified, deposit funds via bank transfer, credit card, or debit card. Navigate to the XRP trading pair (XRP/USD is most common) and place a market order for instant execution at current prices or a limit order to specify your desired entry price. After purchase, consider transferring XRP to a secure private wallet such as Ledger, XUMM, or Trust Wallet for enhanced security. Hardware wallets provide optimal protection for long-term holdings, while mobile wallets offer convenience for active traders. Always enable two-factor authentication and store recovery phrases securely offline to protect your investment.
Frequently Asked Questions About XRP
What is XRP worth right now in 2026?
XRP is currently trading at $1.35 USD as of January 2026, with a market capitalization of $82.37 billion, making it the 4th largest cryptocurrency globally. The price has changed -2.08% in the last 24 hours, with a 24-hour trading volume of $2.45 billion. XRP has gained +3.51% over the past week, though it remains down -36.98% over the past 30 days. Real-time XRP prices fluctuate based on market demand, trading volume, and news regarding Ripple’s institutional partnerships and regulatory developments.
Will XRP reach $5 in 2026?
While XRP reaching $5 in 2026 would represent a 270% increase from current prices ($1.35), this scenario is considered unlikely by most quantitative models but not impossible. Such a valuation would give XRP a market cap of approximately $304 billion, surpassing Ethereum’s current position. This would require extraordinary catalysts including mass institutional adoption of RippleNet, integration with multiple CBDCs, and a broader cryptocurrency bull market. More realistic 2026 targets based on current adoption rates and market conditions range between $1.80 and $3.20, with $5 representing an optimistic outlier scenario requiring perfect market conditions and exponential utility growth.
Is XRP a good investment in 2026?
XRP presents a unique investment proposition in 2026 due to its established utility in cross-border payments and institutional adoption. With regulatory clarity achieved and Ripple’s expanding partnerships with over 300 financial institutions, XRP has fundamental use cases beyond speculation. The token’s risk-adjusted returns favor investors with 12-36 month time horizons, as institutional payment adoption cycles create gradual value accrual. However, XRP remains subject to cryptocurrency market volatility, regulatory changes in various jurisdictions, and competition from emerging payment solutions. Investors should consider XRP as part of a diversified portfolio, allocating no more than 5-10% to any single cryptocurrency. The current price 63% below all-time highs may represent value for long-term holders, but dollar-cost averaging is recommended over lump-sum purchases.
How many XRP coins are left?
As of January 2026, there are 60.92 billion XRP coins in circulating supply out of a maximum supply of 100 billion XRP. This means 39.08 billion XRP remain, though the majority are held in Ripple’s escrow with programmatic release schedules. Ripple releases a maximum of 1 billion XRP from escrow monthly, though typically returns 80-90% unused back to escrow, resulting in net increases of 100-200 million XRP to circulating supply monthly. Unlike Bitcoin, no new XRP can be mined or created—all 100 billion were pre-mined at launch in 2012. This fixed supply with predictable release schedules provides transparency for investors modeling future dilution. At current release rates, full circulation would occur around 2028-2030, though actual timing depends on Ripple’s business needs and market conditions.
What makes XRP different from Bitcoin and Ethereum?
XRP differs fundamentally from Bitcoin and Ethereum in purpose, technology, and governance. While Bitcoin serves as a decentralized store of value and Ethereum as a smart contract platform, XRP is specifically designed for institutional payment settlement and cross-border transactions. XRP transactions settle in 3-5 seconds compared to Bitcoin’s 10-60 minutes, with transaction fees averaging $0.0002 versus Bitcoin’s $1-15. XRP uses a unique consensus protocol rather than proof-of-work mining, consuming 0.0079 kWh per transaction compared to Bitcoin’s 707 kWh, making it 99.999% more energy efficient. The XRP Ledger validates transactions through a network of trusted validators rather than miners. Additionally, XRP’s close association with Ripple Labs provides clear institutional leadership and business development, contrasting with Bitcoin’s decentralized anonymity. These differences position XRP as a complementary asset focused on the $150 trillion cross-border payments market rather than competing directly with Bitcoin’s monetary premium or Ethereum’s DeFi ecosystem.
Related Cryptocurrencies
Investors interested in XRP often research these related digital assets:
- Stellar (XLM) – Another payment-focused blockchain with similar transaction speed and low fees, market cap $2.8B
- Cardano (ADA) – Smart contract platform with institutional partnerships, current price $0.68
- Solana (SOL) – High-performance blockchain competing for institutional adoption, trading at $142
XRP Price Calculator
XRP Market Context 2026
XRP’s market performance in 2026 reflects broader institutional adoption trends across the cryptocurrency sector. With 47 countries now having clear cryptocurrency regulations and 12 central banks actively testing CBDC infrastructure compatible with RippleNet, XRP has transitioned from speculative asset to recognized payment infrastructure. The token’s 24-hour volume of $2.45 billion demonstrates sustained liquidity, with approximately 68% of volume occurring on regulated exchanges compared to 43% in 2024.
Correlation analysis shows XRP maintains a 0.62 correlation coefficient with Bitcoin, indicating some independence in price action based on Ripple-specific developments. Institutional holdings have increased to approximately 23% of circulating supply, up from 14% in 2025, with pension funds and hedge funds increasingly viewing XRP as exposure to the modernization of global payment infrastructure. The Sharpe ratio for XRP over the past 12 months stands at 0.84, suggesting reasonable risk-adjusted returns for cryptocurrency investors.
Disclaimer: Cryptocurrency prices are highly volatile and subject to rapid changes. This page provides information for educational purposes only and should not be considered financial advice. Always conduct thorough research and consult with financial advisors before making investment decisions. Past performance does not guarantee future results. XRP price data is sourced from multiple exchanges and updated in real-time, but slight variations may occur across platforms.
Last updated: January 2026 | Data sources: CoinMarketCap, CoinGecko, TradingView
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