Is XRP the Most Undervalued Crypto in 2026? Why Some People See $5 And Why Others Don’t

Every time 2026 comes up, XRP jumps right back into the spotlight. Is it secretly one of the most undervalued big-name cryptocurrencies out there, or has it already hit its ceiling? Honestly, the truth probably falls somewhere in between.

Let’s talk about the reasons some folks see $5 on the horizon. For one, XRP isn’t living under a legal cloud anymore. Ripple’s made real moves, stretching its payment, custody, and liquidity services into new corners of the world. Suddenly, XRP’s whole pitch being the go-to bridge for cross-border payments feels more real than ever. If banks and payment networks keep upgrading, and if they still want faster settlements without locking up piles of cash, XRP’s story just gets stronger. Plus, the price still sits way below its all-time highs, even as trading gets easier and ETFs bring in a steady stream of buyers. If the market really heats up, $5 doesn’t sound crazy.

But there’s another side. XRP just isn’t scarce like Bitcoin, and that matters. There’s a big reserve of tokens out there, and even if Ripple releases them slowly, it can keep the price from running wild. On top of that, stablecoins and tokenized dollars are everywhere. They do basically the same job moving money fast across borders but they don’t jump around in price. If big institutions decide they’d rather stick with something stable and dollar-pegged, XRP’s role could actually shrink.

So, sure XRP might look undervalued if you just glance at its progress. But that doesn’t promise fireworks. For XRP to hit $5 in 2026, it needs both real adoption and a market that’s ready to take risks again.