Wells Fargo XRP Price Prediction 2026: 7 Key Forecast Scenarios Based on Latest Data

On July 29, 2023, Shannon Thorp, then Treasury Manager at Wells Fargo, predicted that the XRP token could reach as high as $500 in the short-term future. More than two years have passed since that prediction. Now, everyone wants to know the latest Wells Fargo XRP price prediction.

However, predictions are not set in stone. They can go either way. As such, it is important for investors and traders to consider all possible scenarios before making significant investments. This article looks at the latest Wells Fargo XRP forecast as well as XRP 2026 scenarios. There are seven scenarios in all to ensure all possible price movements are covered.

Kindly check out all the seven(7) considerations and broaden your know-how, profitable trading action. Let’s go

Table of Contents

• What Is Wells Fargo Price Prediction for XRP in 2026
• The 7 Forecast Scenarios for Wells Fargo XRP Price Prediction
• Hyper-Bear Case: Regulatory & Liquidity Shock
• Bear/Conservative Case: Slow Growth
• Baseline/Most Likely Case: Moderate Adoption + ETF Flows
• Bull Case: Strong Financial Institution Adoption
• Wells Fargo Viral-Style Case (Triple-Digit Shock)
• Speculative Mania Case (Crypto-Wide Melt-Up)
• New-Tech Integration Case (XRP 2.0/Ledger Upgrade)
• Final Takeaways
• FAQs About Wells Fargo XRP Price Prediction
• Sources
• How to Trade Crypto on BTCC?
• BTCC FAQs

/ You can claim a welcome reward of up to 10,055 USDT🎁\

What Is Wells Fargo Price Prediction for XRP in 2026

There is no official XRP price prediction from Wells Fargo. In fact, the $500 XRP price prediction from 2023 was made by an employee and not the company itself. 

Shannon Thorp, a Wells Fargo treasury manager, personally predicted in 2023 that XRP could reach as high as $500. According to Thorp, the XRP community was divided, with one faction focused on chart patterns while others were looking at the token’s utility. Instead, Thorp proposed looking at what could happen if Ripple maximizes XRP’s potential.

At the time of Thorp’s prediction, SWIFT handled about 44.8 million transactions daily (estimated at $7 trillion). If Ripple could capture about 30% of that daily transaction volume, about 13.2 million transactions, it would generate $2.1 trillion in value. Thorp speculated that this possible increase in transactions would demand so many XRP tokens that it could skyrocket the price to between $100 and $500.

As of December 15, 2025, XRP is nowhere near the $100 lower threshold. In fact, CoinGlass shows the current value to be $1.92. That said, there are multiple ongoing factors that could easily cause the price to pump. These include massive institutional support for XRP ETFs, European expansion, and the recent resolution of the SEC/Ripple lawsuit.

To get a share of a $10,000 bonus, sign up to BTCC for welcoming rewards and seamless trading experience.

The 7 Forecast Scenarios for Wells Fargo XRP Price Prediction

Ready for XRP 2026 scenarios? Here are the seven key scenarios based on market data.

Hyper-Bear Case: Regulatory & Liquidity Shock

Price range: $0.20–$1.00

The worst-case scenario is a total crash of XRP’s price. There are a couple of things that can cause this to happen. For instance, if Ripple faces regulatory pressure on its XRP ETFs and expansion into European markets, it can affect market sentiment. If this intensifies, we can see many sell-offs from institutional players and large-scale investors.

A hyper-bear scenario can see the XRP token drop to the price range of $0.20–$1.00. There’s a tiny likelihood of this happening. XRP has regulatory clarity and has acquired approvals from financial regulatory bodies in Europe, Asia, and the Middle East. Its spot ETF is also one of the best-performing crypto ETFs.

Bear/Conservative Case: Slow Growth

Price range: $1.00–$2.00

A bear case scenario will see the XRP platform getting steady adoption, but at a slower pace. This could mean limited institutional flows into Ripple-related activities like RealUSD, the XRP token, and the XRP spot ETF. Slower inflows can cause the market to pause in order to observe trends.

At the moment, XRP enjoys strong institutional support, and there’s a lot going for it on the international scene. As such, even in a conservative scenario, XRP can drop to no more than about half of its current price ($2). On the other hand, even slow institutional support may be able to push the price up to $3. As such, the price range for this scenario is $1–$2.

Baseline/Most Likely Case: Moderate Adoption + ETF Flows

Price range: $3.00–$8.00

The most likely scenario based on current trends would be measured institutional inflows and sustained interest in XRP spot ETFs. This is a real possibility considering that Ripple has cleared most of its regulatory hurdles and is now expanding its services and user base. If the platform manages to get a strong foothold in any of the regions it operates in, the XRP token can easily get a price boost.

The expected price range for moderate sustained adoption is $3.00–$8.00. The lower range alone will see investors earning over a 50% surge in token value when compared to the current price. However, prices can get even higher because more XRP spot ETF subscriptions mean more XRP getting locked. This reduces circulating supply, which can also trigger a bull run.

/ You can claim a welcome reward of up to 10,055 USDT🎁\

Bull Case: Strong Financial Institution Adoption

Price range: $8.00–$25.00

Another likely prediction is a bull run powered by strong financial institution adoption of XRP. Ripple has succeeded in getting regulatory approval in Singapore, Abu Dhabi, Europe, and the United States. These approvals have allowed major financial institutions to adopt XRP for settlement and cross-border rails. When you combine this with XRP ETF inflows, you realize there is enough market signal to trigger a bull run.

The biggest drivers for this scenario are increased institutional flows into XRP spot ETFs, global adoption of RealUSD, and more XRP payment rail rollouts. This scenario, however, is most likely to be actualized when the crypto market is in a bull run.

Wells Fargo Viral-Style Case (Triple-Digit Shock)

Price range: $100–$500

Can the unofficial Wells Fargo XRP forecast of 2023 come to pass? There are a number of extreme factors that can trigger such a hyper-bullish run. First, extreme liquidity repricing and explosive global adoption can create such sentiment. Viral social posts and hype can also help to sustain it.

However, the timeline for such an event is hard to predict. Plus, such an event may be short-lived and more likely based on luck than anything else.

Speculative Mania Case (Crypto-Wide Melt-Up)

Price range: $25–$75

Another extreme case is a broad crypto bull market that also affects XRP positively. For instance, the 2017 bull run that saw Bitcoin rise from $1,000 to $20,000 also saw other crypto assets increase massively in value. This can also happen to XRP if such a momentum-driven bull run happens today.

XRP already has most of its fundamentals locked down, so a bull run can be easily sustained. However, this is a low-probability event.

/ You can claim a welcome reward of up to 10,055 USDT🎁\

New-Tech Integration Case (XRP 2.0/Ledger Upgrade)

Price range: $10–$50

Shannon Thorp’s argument that the broad application of XRP use cases could cause a bull run is a plausible one. If the XRP ecosystem gets major upgrades and token utility expansions, the XRP price can reach the range of $10–$50. This scenario will probably be driven by increased developer activity and on-chain metrics.

The likelihood of this happening is still slim, but it is far more plausible than the $500 scenario. With the right conditions met, it can be the future of XRP.

Final Takeaways

XRP has the potential to go up if the right conditions are met. However, the most likely scenario is where the token ranges from about $3.00–$8.00. That said, note that predictions are not set in stone. It is important for traders and investors to do their own research before making commitments.

Kindly, sign up to BTCC for your seamless trading of XRP and other rewarding altcoins. 

FAQs About Wells Fargo XRP Price Prediction

Q1. What is the target price of XRP in 2026?

Price predictions for XRP in 2026 range from around $3.00–$8.00. DYOR

Q2. What is the XRP prediction for Wells Fargo?

There is no official public Wells Fargo prediction for XRP, though a bank staff member, Shannon Thorp, predicted a potential price between $100 and $500 in 2023. For other reliable predictions, check out BTCC Academy for expert insightful analysis. 

Q3. Will XRP reach $10 in 2026?

It is a likely possibility but nothing is assured. Trade consciously. 

Q4. Will Wells Fargo use XRP?

There is no official confirmation that Wells Fargo currently uses the XRP token in its operations.

Q5. Is Bank of America using XRP or Ripple?

Bank of America is a partner with Ripple. However, there is no confirmation that Bank of America utilizes the XRP token.

/ You can claim a welcome reward of up to 10,055 USDT🎁\

Sources

• X(Twitter) – Shannon Thorp’s X Handle
• CryptoRank- XRP to Reach $500 in 7 Months
• Kitco- wells-fargo-analyst-predicts-xrp-price-will-hit-100-500
• CoinGlass- XRP price chart
• Reuters- Ripple Labs says it settles with US SEC
• MEXC- XRP Singapore Breakthrough: Ripple Secures MAS License for Bank Settlements with XRP and RLUSD
• Fastbull- UAE Opens the Door to Institutional Use of Ripple

For more insightful updates about everything around blockchain, crypto trading, forex guidelines and digital assets market, BTCC Academy is your reliable source.