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Bitcoin will be trading at $180,000 by the end of 2026 at least, that’s what Ripple CEO Brad Garlinghouse predicted onstage at Binance Blockchain Week on a panel about crypto’s future.

Though he didn’t provide specific reasons for the prediction, the Ripple frontman shared that continued regulatory progress in the United States will be a catalyst for the entire crypto market. He specifically pointed to the stalled market structure bill, called the CLARITY Act.

“We have been championing regulatory clarity for crypto broadly in what is generally called the CLARITY Act in the United States,” said Garlinghouse. While he doesn’t think it will happen this year, “sometime in the first half of next year, we’ll see passage of legislation that will continue to unlock and create more tailwinds for the entire industry.”

Like Garlinghouse, users on Myriad—a prediction market operated by Decrypt’s parent company, Dastan—also believe it's unlikely that the Senate Banking Committee will approve a crypto market structure bill by 2026, giving odds just 25% in favor of its passage before the year ends.

Garlinghouse’s fellow panelists, Solana Foundation President Lily Liu and Binance CEO Richard Teng, were not as bold as the Ripple executive in making price predictions: Liu said Bitcoin would be “above $100,000” by the end of next year, while Teng added that the price would be “stronger” than it is today.

Garlinghouse’s 2026 prediction comes as the clock dwindles on previously bold year-end predictions from BitMine Immersion Technologies Chairman Tom Lee and Strategy Executive Chairman Michael Saylor.

Lee, who previously foresaw Bitcoin hitting $150,000-$200,000 by year-end, softened his tone at the end of November, instead suggesting that the top crypto asset could “maybe” hit $150,000.

Saylor has stayed true to his $150,000 year-end prediction, even after a record breaking $19 billion was liquidated from the market in early October.

His longer-term predictions have Bitcoin at $1 million per coin in the next four to eight years, and a $20 million Bitcoin price in the next 20 years.

The longer-term outlook is similar to noted tech investor Cathie Wood, who recently cut her 2030 target from $1.5 million per Bitcoin to $1.2 million on account of the rapid growth of stablecoins.

Bitcoin has rebounded over the last week, now up around 1% in that time to change hands at $92,417. Predictors on Myriad have flipped bullish during that time, now overwhelmingly in favor of a jump to $100,000 before any dump to $69,000.

The largest crypto asset by market capitalization is now 27% off its all-time high. It will need to jump around 95% and handily top its current all-time high mark above $126,000 to hit Garlinghouse’s predicted mark.
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After years of enduring crypto winters and regulatory uncertainty, XRP is back in the spotlight, experiencing a powerful rally that has captured the attention of both retail and institutional investors. On July 20, XRP surged past $3.50, registering a +5% gain driven by key developments in U.S. legislation and bullish market indicators.

One of the major catalysts behind this rally is the passing of the Genius Act in the U.S. Congress, which enhances the legal status and utility of cryptocurrencies, including XRP. This legislative milestone has significantly boosted market sentiment, fueling optimism for broader crypto adoption.

During daily trading, XRP hit a high of $3.64, and many prominent analysts believe this upward momentum is far from over. Veteran trader Peter Brandt has projected a further rise of 60%, suggesting that XRP could soon reach around $4.47, provided current conditions hold.

Moreover, activity from crypto whales has increased notably. Just recently, $70 million worth of XRP was moved into Coinbase, signaling strong accumulation from large investors. Technical indicators are also aligning with the bullish narrative. The appearance of a "Golden Cross" pattern in MVRV (Market Value to Realized Value) supports the possibility of a continued upward trend. In addition, the formation of a parabolic angle and a sharp increase in trading volume further indicate high-momentum growth.

Despite the strong rally, investors should remain cautious. A correction is always possible, particularly if short-term traders begin to take profits. However, the broader outlook remains optimistic. If U.S. regulatory frameworks continue to evolve positively and cryptocurrencies are included in mainstream investment portfolios such as retirement plans, XRP’s momentum is likely to continue in the short to medium term.

For long-time holders who have withstood the volatility of past years, the current surge may finally represent the breakthrough they have been waiting for. With price targets ranging between $8 to $10, XRP could be on the verge of a historic run—but as always, high reward comes with high risk. Do your own research and trade responsibly.

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