Is it possible for XRP to reach $100?

XRP, a cryptocurrency that has seen a notable gain of over 16.2% in 2026, is sparking discussions among investors about the possibility of its price reaching $100. The recent settlement of the U.S. Securities and Exchange Commission’s case against Ripple Labs, XRP’s parent company, has brought about positive changes in XRP’s market conditions.

Regulatory clarity following the settlement has alleviated constraints on XRP’s market potential, improved liquidity, and restored institutional confidence. This normalization coincided with a noticeable reduction in XRP reserves held on centralized exchanges, from 4 billion tokens in early 2025 to around 1.6-1.7 billion tokens by December 2025. Despite these positive changes, Ripple released one billion XRP from escrow in early 2026.

The launch of U.S. spot XRP exchange-traded funds in late 2025 attracted significant inflows totaling $1.2 billion, indicating growing interest in XRP. However, achieving a price of $100 per XRP token poses significant challenges. With a circulating supply of approximately 60.7 billion out of a maximum 100 billion tokens, reaching a $6 trillion market capitalization to sustain a $100 price seems ambitious.

XRP’s main function as a bridge currency in cross-border transactions through the Ripple Payments network does not necessitate its use. The network can operate using fiat currencies or stablecoin settlement options, limiting the direct correlation between network growth and XRP demand. Moreover, the efficiency of XRP in facilitating transactions reduces the need to lock large amounts of capital in the payment system, which impacts its valuation.

Although XRP ledger activity has shown growth and adoption, with total daily transactions approaching one million, the utility of XRP in the broader cryptocurrency market remains uncertain. Ripple’s efforts to expand its presence in Japan and establish partnerships with banks demonstrate real-world utility but do not guarantee sustained demand or market dominance for XRP.

Despite improvements in supply-demand dynamics and distribution conditions, the barriers to XRP reaching a price of $100 remain significant. The asset’s valuation relies heavily on investor sentiment and broader crypto market trends, making it unlikely to achieve a $100 price level in the near future.