Analyst ChartNerd Projects XRP's Long-Term Path to $27, Echoing Standard Chartered Forecasts

Feb 18, 2026, 9:26 p.m. 3 sources positive

Key takeaways:

  • XRP's $27 target relies on institutional adoption outpacing current regulatory uncertainties.
  • Failed breakout at $1.50 suggests near-term consolidation is likely before any sustained rally.
  • Convergence of technical and institutional forecasts indicates growing long-term confidence in XRP's utility.

Prominent crypto market analyst ChartNerd has released a detailed long-term price projection for XRP, outlining a potential pathway for the asset to reach price targets of $8, $13, and ultimately $27 by 2030. The analysis is based on a combination of historical fractal patterns, Fibonacci extension levels, and the anticipated impact of growing institutional adoption of Ripple's technology.

ChartNerd's technical analysis draws heavily on XRP's past price behavior, arguing that it provides a blueprint for future movements. Using Fibonacci extensions derived from the 2020 low to the 2018 all-time high, the analyst identifies key target levels. He notes that XRP has historically achieved similar Fibonacci extension targets even in less favorable market conditions, lending credibility to the current projections. The chart shared indicates a specific target of $27.18 by 2030.

The forecast arrives as XRP trades near $1.45, having fallen approximately 60% from its peak of $3.66 in July 2025. In the short term, ChartNerd observed a failed breakout attempt above the $1.50 neckline of a bullish "Adam and Eve" reversal pattern, which saw price briefly touch $1.67 before retreating. The analyst emphasizes that sustained closes above the $1.80 to $2.00 range are crucial for validating a recovery and setting the stage for new all-time highs. Key support is identified at $1.20, with a breakdown risking a deeper retracement toward $0.70.

These projections align closely with updated institutional forecasts. Banking giant Standard Chartered has published its own long-term outlook for XRP, projecting an average price near $2.80 in 2026, followed by targets of $7 in 2027, $12.60 in 2028, and $28 by 2030. ChartNerd highlights the convergence between his $8, $13, and $27 targets and Standard Chartered's figures, suggesting a consensus on the asset's long-term potential.

The analyst attributes the bullish case not just to technicals but to fundamental drivers. He points to Ripple's expanding global settlement infrastructure, ongoing institutional partnerships, banking charters, and the foundational groundwork laid since the SEC case resolution as primary catalysts. ChartNerd argues that by 2030, utility-driven value will become a primary market determinant, positioning XRP—with its tangible use cases in cross-border payments—as a critical player in the global financial ecosystem. He advises the community to focus on these long-term developments rather than short-term price volatility.

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