XRP could hit $1,000 by the end of 2026, if full institutional adoption and regulatory clarity improves in major jurisdictions, particularly the United States. This bold prediction was made by Jake Claver, CEO of Digital Ascension Group, during a recent interview on Paul Barron’s podcast. According to Claver, XRP’s price could hit three to four digits, which would peg the token’s market cap at nearly $60 trillion, assuming a circulating supply ranges between 57 billion and 60 billion coins. “I’ll say three or four digits, you know, in that range,” Claver stated in the Barron’s podcast posted on February 27, 2026.
In the interview, Claver highlighted that the exponential bull case scenario for XRP in 2026 will be catalyzed by the mainstream adoption from banks and other institutional investors. Claver quoted Monica Long, President at Ripple Labs, who states that XRP’s growth in 2026 will be driven by full-scale institutional adoption. As such, Claver stated that XRP will need to absorb billions of dollars through its investment products, led by spot Exchange-Traded Funds (ETFs) and Digital Assets Treasuries (DATs), to be adopted by banks.
Furthermore, Claver noted that banks are not interested in high volatility, which is currently associated with XRP’s low valuation. “If you have a huge market cap for XRP, something much higher than people can comprehend, it will be very difficult to move that price with the inflows or outflows. And if you have stability, I think that is what the adoption curve is waiting on, for the banks want a high stable value,” Claver added. According to Claver, the mainstream adoption of XRP by banks and institutions is awaiting the ultimate clarity in the United States.
Already, the United States Securities and Exchange Commission (SEC) has ruled XRP is not a security following the collapse of the Ripple lawsuit. He stated that banks and institutions will use XRP through products developed by Ripple including Hidden Road, now Ripple Prime. Specifically, the full-scale adoption of XRP will be led by BNY Mellon, Fidelity, Citi, Franklin Templeton, and JPMorgan.
A leading crypto analyst is projecting XRP could reach $1,000 by the end of 2026 if full institutional adoption and regulatory clarity improve in major markets, particularly the United States. Jake Claver, CEO of Digital Ascension Group, described the scenario during a recent interview, noting that XRP’s price could land in the three- to four-digit range. The bull case hinges on banks and other institutional investors adopting XRP, with demand expected to come from investment products such as spot ETFs and Digital Assets Treasuries that banks would use.
Claver stressed that banks favor price stability; a very large, stable market cap would be more conducive to sizable inflows and outflows than high volatility. Regulatory clarity in the United States remains a key hurdle, even as the SEC has ruled XRP is not a security following Ripple’s litigation. Adoption would be driven by Ripple’s product suite, including Hidden Road and Ripple Prime, with leading roles anticipated from BNY Mellon, Fidelity, Citi, Franklin Templeton, and JPMorgan.
Analysts project XRP could reach $1,000 by the end of 2026 if institutional adoption and regulatory clarity improve in major markets, particularly the United States. The scenario assumes a circulating supply of about 57 to 60 billion coins, implying a market capitalization near $60 trillion. The bull case hinges on banks and other institutions embracing XRP through investment products such as spot ETFs and Digital Assets Treasuries, with adoption driven by a preference for stability over volatility. Banks would need billions of dollars in inflows through these products to drive widespread XRP usage, enabling banks to incorporate XRP into their existing portfolios and treasuries.
A key factor supporting the bull case is the demand from banks and institutions for a large, stable value that can accommodate substantial inflows and outflows without triggering excessive volatility. Regulatory clarity remains a pivotal hurdle in major markets, especially the United States. The SEC has ruled that XRP is not a security following Ripple’s litigation, but comprehensive regulatory clarity is still sought. Adoption is expected to be propelled by Ripple’s product ecosystem, including Hidden Road and Ripple Prime, with leadership anticipated from major players such as BNY Mellon, Fidelity, Citi, Franklin Templeton, and JPMorgan.
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