Top Analyst Just Changed His XRP Price Prediction for 2026

Crypto analyst Steph Is Crypto (@Steph_iscrypto) has updated his XRP price prediction for 2026, citing a combination of technical signals he says most investors are currently overlooking.

His analysis centers on chart patterns on the 12-hour timeframe, a confirmed trend line breakout on the monthly chart, and a historical pattern in XRP’s price behavior that rarely repeats.

Bullish Divergence Returns

The analyst identifies a bullish divergence on XRP’s 12-hour chart as a central signal. He notes that XRP made lower lows in price while the RSI has been forming higher lows since October 14. This is the same setup he observed in August, when XRP registered higher lows on the RSI while price made lower lows between August 6 and August 15.

After that divergence, XRP rallied more than 72%. He says the current divergence “signals that the sell pressure is possibly getting exhausted right now.”

I JUST CHANGED MY $XRP PRICE PREDICTION FOR 2026! pic.twitter.com/fzX7EltjAE

— STEPH IS CRYPTO (@Steph_iscrypto) November 1, 2026

The Golden Fibonacci Ratio

XRP is currently trading at the golden Fibonacci ratio, with the price wicking to approximately $1.20. Steph Is Crypto had previously told his audience, when XRP was trading around $1.60 in September, that a retest of the $1.20 area was the most likely outcome.

XRP reached that level during the decline that followed the Binance hack. It dropped below the September low of $1.25.

Monthly Timeframe and Historical Context

On the monthly chart, XRP posted three consecutive green months before October’s red close below $1.50. The analyst explains that XRP has never in its entire price history produced more than three consecutive green months.

He called for a red October at the end of September, and that outcome followed. He views this historical limit as a key reason for the recent sell-off and uses it to contextualize where XRP stands now.

Trendline Breakout Confirmed

Steph Is Crypto highlights a confirmed breakout above a downward trendline that began in August 2025. The monthly chart, with candle wicks disabled to reduce noise, shows multiple touchpoints along the trend line before the breakout close.

He says the downside risk from current levels is limited as long as XRP holds above approximately $1.10, while the potential reward to the upside is “absolutely massive.”

New All-Time Highs in View

With the trend line break confirmed and the bullish divergence in place, the analyst now considers a new all-time high for XRP the highest probability outcome, either later this year or next year. He stops short of providing a specific price target but makes clear that the overall setup favors a significant rally.