XRP Price Forecast: Bulls Eye $1.31 Support Stability as “North Star” Utility Expands
As of February 13, 2026, XRP is trading around $1.3670 during a volatile period. Although the price has dropped from its late-2025 highs...
Quick overview
- As of February 13, 2026, XRP is trading at approximately $1.3670 amidst volatility, with signs of increasing institutional interest despite a price drop from late-2025 highs.
- Ripple CEO Brad Garlinghouse outlined a vision for XRP as the core of Ripple's strategy, aiming for the company to reach a trillion-dollar valuation by 2030.
- A new partnership with Aviva Investors marks Ripple's significant entry into European investment management, focusing on Real-World Asset adoption on the XRP Ledger.
- XRP faces critical support at $1.31, with potential bearish trends if it falls below this level, while bullish momentum requires a rise above $1.6248.
As of February 13, 2026, XRP is trading around $1.3670 during a volatile period. Although the price has dropped from its late-2025 highs, there are signs of growing institutional interest. Retail investors remain cautious, but recent partnerships and regulatory progress point to a stronger foundation than the current price suggests.
Ripple’s “North Star” Strategy and Trillion-Dollar Ambition
At the XRP Community Day on February 11 and 12, Ripple CEO Brad Garlinghouse shared his clear vision for XRP’s future.
- The “North Star”: Garlinghouse stressed that XRP is the core of Ripple’s strategy, not just an add-on. All products, including Ripple Payments and the new RLUSD stablecoin, are built to increase liquidity and trust in the XRP Ledger (XRPL).
- Trillion-Dollar Vision: Garlinghouse predicted that Ripple could become a trillion-dollar crypto company by 2030, based on its position as a regulated bridge for global institutional transactions.
- CLARITY Act: Garlinghouse is confident about U.S. legislative progress, estimating a 75% chance that the CLARITY Act will be signed by late April. This would strengthen XRP’s regulatory position.
Tokenization Milestone: The Aviva Investors Partnership
Ripple announced a new partnership with Aviva Investors, a top UK asset manager, marking a significant step for Real-World Asset (RWA) adoption.
The partnership plans to move traditional fund structures onto the XRPL, using its compliance features and fast settlement.
This is Ripple’s first major move into European investment management, taking tokenization from testing to large-scale use.
Technical Analysis: XRP/USD Faces Critical $1.31 Support
The 4-hour chart shows that XRP remains in a bearish trend, with the price held down by a falling trendline and the 50-period Moving Average.
Fibonacci Rejection: Earlier this month, XRP dropped sharply and tried to recover, but could not move above the 0.382 Fibonacci level at $1.4306. This shows that bullish momentum is still weak for now.
Support Clusters: The key support to watch is $1.3104 (0.236 Fib). If XRP falls below this, it could drop further into the $1.11 to $1.20 range.
Momentum: The RSI shows that XRP is consolidating. For the trend to turn bullish again, the price needs to rise above $1.6248 (0.618 Fib).
Summary: Key XRP Catalysts for H1 2026
| Event / Level | Target | Strategic Impact |
| RLUSD Expansion | Live on Binance | Boosts XRPL liquidity and institutional on-ramps. |
| EU EMI License | Approved (Luxembourg) | Full payments coverage across 27 EU nations. |
| CLARITY Act | April 2026 | Potential for a massive U.S. institutional “green light.” |
| Critical Support | $1.31 | The “must-hold” level to prevent a slide to $0.85. |
Trade idea: If XRP drops below $1.3550, consider short positions with a target of $1.3120 and a stop-loss above $1.4350 to manage risk.
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