Cryptocurrency analysts and institutional figures are painting a bullish long-term picture for XRP, with some predicting a potential price surge to $100 driven by shifting investor psychology and fundamental utility. Crypto commentator Time Traveler sparked discussion by outlining a scenario where a rapid price move to $15 could trigger intense fear of missing out (FOMO), which he believes could "easily" propel XRP toward $100 as sidelined capital rushes into the market.
The analyst highlighted the psychological challenge for long-term holders during sharp rallies, noting that resisting early profit-taking becomes difficult but that restrained selling could tighten supply and support further upside momentum. The commentary points to XRP's historical sensitivity to sentiment-driven moves and the amplifying effect of social media on trading narratives, suggesting that liquidity inflows could build momentum faster than many anticipate.
Adding a structural valuation perspective, XRPL validator and analyst 24HRSCRYPTO argues that a $100 XRP price should not be viewed as mere speculation. The analysis contends that traditional equity-based market cap models fail to capture the dynamics of a liquidity-focused infrastructure asset like XRP, which functions primarily as a settlement tool. According to this view, XRP's valuation should be tied to transaction throughput, velocity, and liquidity depth rather than circulating supply, implying its price could adjust independently as payment activity scales.
Institutional validation comes from Canary Capital CEO Steven McClurg, who stated that "Wall Street finally understands XRP." He emphasized that XRP should be evaluated as a piece of global financial infrastructure designed for efficient, large-scale value transfer, not as a speculative token driven by hype cycles. McClurg revealed a 2026 price target of $5 for XRP, citing increasing adoption and real-world use cases, and suggested that clearer crypto regulations would further differentiate and benefit fundamentally sound assets like XRP. While optimistic on XRP, he expressed caution on Bitcoin, suggesting it might not reach a new all-time high until 2027.
