TLDR
- Zach Rector predicts XRP could reach $100 this year, sparking heated debate within the crypto community.
- XRP has gained 290% year-to-date, outpacing many other cryptocurrencies in 2023.
- Despite a 26.52% decline in the past 90 days, XRP’s long-term growth potential remains optimistic.
- Some community members predict XRP could reach $8 to $10 by the end of the year.
- The possibility of XRP hitting $100 by 2026 is discussed, with a focus on its growing role in banking.
XRP commentator Zach Rector has stirred debate with his forecast for the coin’s price trajectory this year. In a post on X, Rector argued that telling XRP holders that the price cannot reach $100 this year is like telling a child that Santa doesn’t exist. He emphasized that XRP is still in a strong position for significant appreciation, even if the $100 target remains unlikely.
Rector’s post has sparked a wide range of opinions within the XRP community. Many are optimistic about XRP’s growth, despite the recent price dip. At the time of writing, XRP is trading at $2.40, reflecting a 26.52% drop over the last 90 days.
Feels like I’m telling a kid Santa isn’t real when I say XRP isn’t going to $100 this year.
It’s all good guys! We are still going to have a lot of appreciation before the end of the year!
Nothing to complain about especially when looking at other alt coins lagging this cycle
— Zach Rector (@ZachRector7) November 11, 2025
XRP’s Year-to-Date Performance Strong
Despite the recent pullback, XRP’s year-to-date performance remains impressive. The coin has gained 290% since the beginning of the year. Many altcoins are still in the red, underperforming compared to XRP.
Rector noted that this outperformance should not be overlooked, as it positions XRP well for future growth. He emphasized that the overall market remains relatively quiet, and investors are waiting for the next bullish move. However, he expressed confidence in XRP’s potential to surprise before the end of the year.
Several XRP enthusiasts have supported Rector’s optimistic outlook. Some have suggested that a price of $8 to $10 by year-end is achievable. Others remain hopeful that XRP could even reach $14 within this market cycle.
Regulatory Delays and $100 XRP Debate Continue
While many agree that XRP has room for growth, the $100 target remains controversial. Critics have dismissed the idea that XRP will hit triple digits by the end of the year. Chris Coope, an XRP community member, humorously questioned whether Rector was implying that “Santa isn’t real,” given the unlikelihood of such a surge.
X user Crypto Dog also downplayed the prediction, focusing on XRP’s utility instead of market hype. He emphasized that the groundwork being laid now could set the stage for much higher valuations in the future. However, he noted that the $100 target for this year seems far-fetched.
Despite these disagreements, some users believe that XRP’s ceiling remains uncertain. X user MG suggested that major partnerships with banks could have a profound effect on the coin’s future price. Many believe that such developments could eventually lead to much higher valuations for XRP.
As the debate continues, some community members are more cautious about XRP’s short-term prospects. Calogero pointed out that regulatory developments might slow the adoption of XRP. While market infrastructure laws are being passed, their implementation will take several months.
While the $100 target for XRP this year may be overly optimistic, some still see a bright future for the coin. User ED suggested that XRP might reach $100 by 2026. He argued that as XRP becomes more ingrained in the financial sector, its valuation could rise considerably.
Despite the ongoing regulatory challenges, many in the community remain confident in XRP’s long-term prospects. While the next few months could be volatile, the outlook for XRP remains positive. Projections from experts like Telegaon and Changelly suggest that XRP could reach $100 within the next decade.
