XRP climbed to $3.65 on July 18, 2025, marking its highest level since the January 2018 all-time high of$3.84. The rally to $3.65 was driven by the SEC-lawsuit optimism and renewed retail interest. Fast forward to late January 2026, and the token now trades near$1.90, roughly 50% below that cycle peak.When asked about Standard Chartered's $8 XRP target, Garlinghouse declined to comment directly: "We are a very vested party." But he described Wall Street's growing interest as a "massive sea change" that ha ...