Recently, there have been reports that large institutions are quietly accumulating XRP, and some analysts even predict that a new market rally could occur by 2026. This topic is worth discussing.

Ripple (XRP), as the official token of Ripple, has its core value in cross-border payment scenarios. However, its days haven't been easy in recent years—entangled in SEC lawsuits, its market cap falling out of the top ten cryptocurrencies, and it has been regarded as an underdog. Now, signs of large capital entering the market suddenly appear. What is the underlying logic?

From several perspectives, there is indeed room for imagination. First, if institutions really start building positions, it could trigger market enthusiasm in the short term, forming a new round of rally. Second, the key in the medium term still depends on the final outcome of the SEC lawsuit—once legal obstacles are removed, XRP's application prospects will be significantly different. Third, in the long run, if XRP can become a competitor or complementary tool to central bank digital currencies, its potential is indeed not to be underestimated.

But don't celebrate too early. Legal risks still exist, and the SEC's ruling has not been finalized. Any positive news could be wiped out before the judgment. Moreover, the 2026 timeline is too long, and what might happen in between is unpredictable. Lastly, be cautious: every time XRP is hyped up, it can surge once. Will this 'expert opinion' be another smoke screen for market participants? Always remember one thing in investing—no matter how brilliant the prediction, risk management must be in place.