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XRP has had a rough stretch. The token is on pace to close its fifth straight month in the red, a run of weakness that has tested the patience of long-time holders and fueled debate about what comes next.
Yet even as the price sits well below its recent peak, a growing number of voices in the XRP community are not backing down from optimistic forecasts.
One Analyst Says XRP Will Make People Rich In 2026
A market commentator known as Archie recently posted a chart on X projecting that XRP could climb as high as $83 per token before the end of 2026.
At its current price of around $1.44, that would amount to a gain of roughly 5,900% — enough to push XRP’s total market value to an estimated $5 trillion.
A holder sitting on 10,000 XRP would be approaching millionaire status at that price. Archie went further, suggesting the token could eventually reach four figures — meaning $1,000 or more per coin.
Good morning XRP fam ☀️
Prediction🚨⬇️
XRP will make a lot of people rich in 2026🪖💜 pic.twitter.com/mat4QMtWjN
— Archie 👑 (@Archie_XRPL) February 24, 2026
The post drew mixed reactions. Some holders backed the outlook. Others pushed back, with one user arguing that even a three-fold increase would barely move the needle for most people.
Reports say some community members also raised concerns that any major price surge would disproportionately reward insiders, pointing to the significant token holdings of Ripple CEO Brad Garlinghouse and co-founder Chris Larsen.
The 2016 Comparison That Bulls Keep Bringing Up
XRP is currently down more than 60% from its recent high. Some analysts are drawing comparisons to a similar flat period the token went through in 2016, before a sharp rally took hold in 2017.
The argument is that extended low-price stretches often clear out sellers who have lost conviction, setting the stage for stronger moves ahead. XRPL validator Vet addressed holders directly, saying this is not the time to walk away.
Supporters point to greater regulatory clarity in the US, rising institutional interest, and continued activity on the XRP Ledger as factors that could shift momentum.
Tokenization Adds A Different Kind Of Fuel
The XRP Ledger has seen $1.3 billion in tokenized real-world assets added this year, pushing its total past $2.3 billion.
Based on reports, commentator Brad Kimes of Digital Perspectives assembled views from multiple market voices arguing that if institutions tokenized 50% of circulating cash globally and the XRP Ledger captured 10% of that market, the resulting demand could push XRP’s price to triple digits.
It is an ambitious model, but one tied to a real and growing trend in finance.
Where XRP goes from here remains an open question — and the debate around it shows no signs of quieting down.
Featured image from Flickr, chart from TradingView
