Is a $10 XRP Price Really Undervalued? Institutional Targets Could Be Much Higher

Chart: https://www.gate.com/trade/XRP_USDT

As of January 26, 2026, XRP (Ripple) is trading at approximately $1.88. The price has dipped slightly over the past 24 hours and remains in a lower range. XRP has long been viewed as a core asset for payment and settlement networks, but its price has not fully rebounded since falling from its 2025 peak.

XRP’s Current Price and Market Performance

Data indicates that short-term XRP volatility is primarily driven by overall market sentiment and macroeconomic factors. Recently, events such as long position liquidations and heightened global risk aversion have weighed on XRP in the near term. On-chain metrics also show that the available supply of XRP on exchanges has reached a seven-year low, suggesting that long-term supply constraints could potentially support future prices.

Why a $10 Target Is Seen as “Too Low” by Retail Investors

Recently, a prominent analyst (known as XRP Queen) highlighted on social media that the commonly cited $10–$25 price target for XRP—when used as a measure of its value—reflects a retail investor’s perspective. She stressed that these forecasts rely too much on short-term price appreciation and overlook XRP’s broader potential in global payment and settlement infrastructure.

She also pointed out that Ripple is expanding partnerships with banks, asset managers, and real-world asset settlement providers. If this strategic positioning is realized, XRP’s market role would move beyond that of a speculative asset. She even suggested that, from an institutional demand perspective, XRP could command a price target well above $10.

XRP Price Potential from the Institutional Perspective

Some in the crypto market argue that viewing XRP as an infrastructure asset, rather than just a speculative vehicle, better explains institutional investment logic. For example, a crypto strategist observed that, given the multi-trillion dollar scale of global transactions and settlements, positioning XRP at the infrastructure layer could result in prices far exceeding traditional targets.

Ongoing declines in exchange-based XRP supply may also indicate that long-term holders are moving tokens off exchanges, a trend that could theoretically drive prices higher in the future.

Market Risks and Real-World Factors

Despite higher price targets from the institutional viewpoint, XRP’s current price faces several uncertainties. Macro risks—such as global financial market volatility—could negatively affect crypto assets. Additionally, technical analysis points to strong short-term volatility, with no clear rebound pattern established. As a result, considering XRP a “sure-win asset” still involves considerable risk.

Conclusion: A Rational Approach for Investors

In summary, describing the $10 target as “too low” reflects a focus on long-term value and institutional positioning, rather than a direct prediction of short-term price action. Most investors should take a rational view of XRP’s price—considering both long-term adoption and infrastructure value, while remaining cautious about market volatility. With the current price near $1.88, there is still a gap to the higher targets envisioned by retail and institutional perspectives. However, shifts in on-chain supply and institutional interest are factors to watch closely.