Ripple CEO Brad Garlinghouse has predicted that the cryptocurrency market will reach new all-time highs in 2026, a forecast driven by institutional interest and favorable regulatory developments. He noted that this growing institutional interest is not yet fully priced into the market.
Financial Overview
Bitcoin (BTC): Reached a previous all-time high of around $126,000 in October 2025, and was trading at approximately $89,000 in mid-January 2026. As of January 22, 2026, it is trading around âš8,230,613.98.
Ethereum (ETH): The current price is approximately âš275,353.38.
XRP (Ripple): Was trading around $1.90 in mid-January 2026. As of January 22, 2026, it is trading at approximately âš178.58.
Key Insights
Regulatory Clarity: Garlinghouse highlighted the passage of the GENIUS Act in 2025 as a key factor providing the regulatory clarity needed for institutional players to feel more comfortable with crypto investments. He also expressed confidence that the CLARITY Act, a framework for regulating cryptocurrencies, would eventually "get done".
Institutional Adoption: He emphasized that major financial institutions are increasingly engaging with the crypto sector, a "massive sea change" that has yet to be fully reflected in current market valuations.
Market Cap Prediction: In an earlier prediction from April 2024, Garlinghouse forecasted that the entire crypto market cap could approach $5 trillion by the end of 2025.
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