XRP Will Make a Lot of People Rich in 2026: Analyst

Optimism around XRP is building again after months of price weakness.

Interestingly, one market commentator is boldly predicting that 2026 could be the year the asset transforms long-term holders into millionaires.

Specifically, XRP commentator Archie sparked debate on X after posting a chart predicting that XRP “will make a lot of people rich in 2026.”

Key Points

• XRP optimism is rising as an analyst predicts a potential surge to $83 by 2026.
• The forecast implies a 5,914% gain and a projected $5 trillion market cap.
• Mixed reactions followed, with some doubting whether such gains are realistic.
• Supporters argue that prolonged consolidation could set up a major breakout.

Four-Figure XRP?

Notably, the shared chart projects XRP moving as high as $83. From its current position of $1.38, this would represent a 5,914% surge. Moreover, this price would imply a technical market cap of $5 trillion for XRP.

Accordingly, the post drew mixed reactions. While some community members echoed the bullish outlook, others questioned whether such gains are realistic.

One user argued that even a 3x move from current levels would be “hardly rich-making.” Archie pushed back on the skepticism, responding with a striking remark: “See you at four figures.”

See you at four figures.

— Archie 👑 (@Archie_XRPL) February 24, 2026

For context, those holding 1,000 XRP would have a portfolio worth $83,000 at that price. Those holding 10,000 XRP would be approaching millionaire status at $83 per token.

Meanwhile, Archie even suggested that XRP could exceed double digits and potentially approach $1,000.

Not everyone shared the enthusiasm. Another user suggested that only Brad Garlinghouse and Chris Larsen would significantly benefit from any major price appreciation, highlighting lingering concerns about token distribution and insider holdings.

Five Red Months and a Setup for Reversal?

The bold 2026 prediction comes at a time when XRP has been under pressure for an extended period. The asset is on track to print its fifth consecutive red month, a rare occurrence that some analysts are comparing to the 2016 consolidation phase.

Back then, XRP endured a prolonged period of disinterest and weak price action before staging an explosive rally in 2017. Some market watchers argue that extended drawdowns often serve as shakeout phases, removing weak hands before a stronger uptrend begins.

With sentiment currently divided and price momentum subdued, bullish commentators believe the market may be closer to the end of consolidation.

“Not Time to Give Up”

XRP is down over 62% from its recent high, and XRPL validator Vet says this is not the time to give up. “You didn’t get this far for no reason,” he said.

Supporters argue that regulatory clarity in the U.S., expanding institutional interest, and continued development on the XRP Ledger could position the asset for a larger cycle move heading into 2026.

Ultimately, XRP holders remain split between skepticism and conviction. But if history repeats and prolonged consolidation gives way to expansion, 2026 could become a defining year for the asset, as some of its most vocal supporters predict.