For more than a decade, crypto investors have talked up XRP (XRP 0.10%) as an explosive, high-upside cryptocurrency. Yet here we are in 2026, and XRP is still trading for just $1.

So what happens to XRP over the next three years? Will it finally fulfill its promise, or will it fade into irrelevance? Let’s take a closer look at two potential scenarios for XRP.

Bull case scenario

There is no shortage of bullish price predictions for XRP. It’s not hard to find price targets of $100 for XRP. These are obviously pie-in-the-sky price targets, based on some wildly outlandish assumptions about exponential growth.

A more realistic price target comes from Standard Chartered. In April 2025, the bank outlined a scenario by which XRP could become a…