Is $3 Still Realistic for XRP in 2026?

XRP (CRYPTO: XRP) reached a cycle high of $3.65 in July 2025, and investors who bought at that July peak have watched their position lose more than 70% of its value, with the coin now trading around $1.02.

Thirteen months later, XRP needs a 194% gain to reclaim the $3 level, which is achievable given XRP’s history of sudden and explosive rallies. However, the coin has lost more than half its value over the past twelve months. With about five months left in 2026, can the XRP price realistically reach $3 before the end of Q4?

How the XRP Price Has Performed Since its $3.65 July 2025 Cycle High

XRP traded at $3.65 on July 17, 2025, driven by news of Ripple and the SEC potentially dismissing their respective appeals in the Second Circuit and exchanges like Coinbase relisting the coin. However, this regulatory clarity couldn’t sustain XRP’s rally. The coin posted an 8.15% loss in August as traders took profits.

XRP tried to stabilize with a 2% gain in September, but that was soon canceled by the crypto crash on October 10, which wiped out over $19 billion in leveraged positions and pushed investors away from high-risk assets like XRP. XRP fell from $2.84 to $1.84 between October and December 2025, marking a 35% decline over that period.