Will XRP Surpass $10? Analysts Say Retail Targets Are Too Low — The Logic Behind the Bullish Case

In recent years, XRP has had a relatively unique positioning in the market, with discussions on its long-term value as a cross-border settlement infrastructure, as well as price volatility and speculative characteristics similar to other crypto assets. As of the latest data, the current price of XRP is about $1.88, which shows a significant gap from many bullish targets.

XRP current market review

XRP has entered a consolidation phase since its peak in 2025, with prices fluctuating between $1.8 and $3. Technical indicators show that prices are under pressure in the short term, but the mid-term trend has not yet shown clear signs of a breakdown. At the same time, on-chain data indicates a decrease in exchange inventories, which usually suggests that long-term holders are locking up tokens, potentially creating conditions for future rise.

Why do some people think that $10 is “undervalued”

Recently, a crypto pundit mentioned that setting the price target for XRP above $10 is a valuation from the “retail investor” level, while larger institutions that view XRP as a global settlement infrastructure may set the price target even higher. Her argument is based on Ripple’s collaborations with large banks and financial institutions, as well as the project’s potential applications in global financial settlements.

XRP price rise logic: institutional perspective vs. retail investor perspective

From a retail investor’s perspective, XRP needs more speculative buying and market sentiment support to achieve a larger price breakthrough (such as $10 or higher). In contrast, from an institutional perspective, the price is more based on the growth of XRP’s use in the actual financial system, such as adoption in areas like cross-border remittances and real-time settlements.

In this context, the fundamentals of XRP, such as network upgrades and the inflow of funds from spot ETFs, may gradually improve the fundamentals and create a foundation for long-term price growth.

Technical and fundamental dynamics

Technical analysis has recently found that, although short-term prices are under pressure, the medium-term trend has not been damaged. Due to factors such as the bullish MACD arrangement, the rebound potential still exists. Additionally, the inflow of funds into spot ETFs shows that institutional interest in XRP remains. These factors collectively form a fundamental support, but the risk of price decline due to fluctuations in market sentiment cannot be ruled out.

How should investors develop strategies?

For retail investors, it is important to remain vigilant about price fluctuations while understanding the potential long-term value of XRP. Long-term bullish predictions do not necessarily mean that prices will rise in the short term. Reasonable asset allocation, risk control, and continuous attention to changes in the fundamentals are core strategies when facing a volatile market.

Overall, the view that “$10 is undervalued” emphasizes the potential from a long-term perspective, while the current price still needs to achieve a real breakthrough through the dual validation of market forces and adoption momentum.