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$XRP Finance coach and expert Coach JV (@Coachjv_) recently shared a video affirming that XRP will move fast and aggressively. He said he does not know the date, but knows the nature of the move.
Coach JV positioned himself clearly. He is a long-term XRP holder, and he called it life-changing for his family. He said XRP is his number one investment, both personally and in his company’s treasury.
He urged viewers who feel bearish to step back. He told them to disregard short-term price action and reiterated that patience is crucial.

✨Why XRP Resonates With Institutions
Coach JV then shifted to interview clips featuring Bitwise CIO Matt Hougan, Canary Capital CEO Steve McClurg, and Ripple CTO David Schwartz. He described it as one of the clearest interviews he has heard during his time investing in XRP.
Hougan said XRP appeals to financial advisors for simple reasons. He called it “one of the Mount Rushmore assets in crypto.” He said advisors want assets that will persist, saying XRP’s long track record gives confidence it is “not going away.” He added that advisors understand use cases like cross-currency liquidity and stablecoins.
Hougan also highlighted ETF inflows. He said it is rare for multiple XRP ETFs to succeed at the same time. He attributed that to XRP appealing to many communities at once. Coach JV viewed that as confirmation of depth rather than speculation.
✨Diverging From the Crypto Cycle
McClurg discussed market cycles and said the 4-year cycle still matters. However, some assets can diverge. He pointed to XRP holding up while other assets declined and said inflows continued daily. He said XRP could see another peak in 2026, even if much of the market remains down.
He tied that view to adoption on the XRP Ledger, Ripple’s stablecoin, and strong ETF demand, citing $300m in AUM in the first week.
✨Increased Utility and the Importance of Patience
Schwartz explained that institutions are using the XRP Ledger as financial infrastructure. He said assets are moving and settling on the ledger, not just recorded. He said retail adoption will follow solid financial products. He added that stablecoins and tokenized assets already support payments and investments. He said more than 500,000 new wallets have been created.
After the clips, Coach JV spoke directly to newer investors. He acknowledged recent volatility. He said markets move through resistance, lawsuits, and regulation before institutions enter. He said institutions are now coming in.
He warned about inflation and currency debasement. He said the goal is to beat inflation through disciplined investing and cash flow. Patience separates long-term investors from hype chasers.

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$XRP community figure Chad Steingraber recently suggested that by the end of 2026, all combined XRP ETFs could achieve the largest first-year percentage gain in Wall Street history.
If such a milestone comes to pass, the impact on XRP’s price could be dramatic. This article examines where XRP’s price could realistically land by the end of 2026 under this scenario.
✨XRP ETFs Are Already Setting Records
XRP ETFs are already posting record-breaking inflows, absorbing XRP supply at an unprecedented rate. For instance, Canary Capital opened on November 14 with a first-day inflow of $243 million.
According to Bloomberg senior analyst Eric Balchunas, this was the largest first-day turnover of the over 900 ETFs that entered the market in 2025.
Meanwhile, the momentum has continued, with consistent daily inflows since that day and no outflows recorded across the 15 days of trading. Other ETFs have joined along the line, including Bitwise, Grayscale, and Franklin Templeton.
Together, these XRP ETFs have pulled in inflows of $897.35 million, accumulating over 430 million XRP. Notably, this also represents another record for the XRP ETF market.
In particular, XRP ETFs have emerged as the second-fastest crypto ETFs to hit the $800 million inflow milestone. Inflows are now approaching the major $1 billion target.
Such inflows reduce liquid circulating XRP, increase competition for spot supply, and accelerate price discovery.
Meanwhile, more XRP ETFs are on the horizon from WisdomTree and 21Shares. Accordingly, Steingraber predicts that, by the end of 2026, the combined XRP ETFs could achieve the highest first-year percentage gains in Wall Street ETF history.
✨What Could This Mean for XRP’s Price?
Base Case for XRP Price
According to an analysis by OpenAI’s model, ChatGPT, if ETF adoption grows steadily but remains within realistic bounds, XRP could end 2026 in the $4.50 to $6 range. This assumes a steady flow of assets under management and a supportive macro environment.
In this scenario, XRP doesn’t need explosive growth to outperform. The asset simply needs its ETFs to maintain strong inflows and track a broader crypto uptrend throughout 2026.
Mid-Range Bullish Scenario
The model also suggests that if XRP ETFs not only perform well but mirror the early surge seen in Bitcoin ETFs, combined with expanding utility in payments and cross-border settlements, prices in the $6 to $10 range are a realistic outlook.
This scenario relies on deeper institutional exposure, reduced exchange liquidity, and XRP’s usefulness in settlement gaining mainstream recognition.
High-End Scenario: Record ETF Year Creates a Perfect Storm
Notably, Chad Steingraber’s prediction implies something far larger than standard success. A record-setting ETF performance would require intense inflows, global demand, and significant supply compression. Steingraber argues that XRP ETFs could absorb half of XRP’s supply in one year.
In that environment, XRP’s price could push into the $10 to $15 range by the end of 2026.

Meanwhile, the model suggests that if global institutions treat XRP as a large-scale liquidity asset, prices could even exceed these upper estimates. However, such outcomes rely heavily on extraordinary adoption.
✨Opposing Views
Some market participants reacting to Steingraber’s post pointed out that first-year ETF records are not really about percentage gains but about assets under management (AUM).
X user OGA NFT argued that even if XRP ETFs 10x from here, they would still be tiny compared to the records set by gold and Bitcoin. For context, Bitcoin ETFs pulled in over $50 billion in one year.
According to OGA NFT, the real question is whether XRP ETFs can even reach $5 billion AUM to compete with Bitcoin and gold.

Notably, while record inflows in Bitcoin ETFs helped its price cross $100K, similar record ETFs in Ethereum have failed to significantly affect the price of ETH. This raises questions about the actual impact of ETFs on XRP’s price.
Moreover, since the ETF accumulation in November, XRP’s price has dipped rather than surged.

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$XRP Amid the ongoing XRP price struggles, a well-known financial expert has explained why the altcoin could witness a reprice.
XRP continues to trade below the $2 level as bearish pressure weighs on the broader crypto market. Despite this weakness, some analysts argue that XRP remains highly undervalued, as the current value does not reflect its potential utility in global payments.
Amid these discussions, Dr. Kamilah Stevenson, a financial market and health expert, recently explained why XRP could eventually be repriced based on its function rather than market speculation.
In a video commentary, Dr. Stevenson said many investors misunderstand XRP because they evaluate it using the wrong framework. She argued that this mistake leads to frustration and confusion, especially during periods of price decline. To her, understanding what XRP was designed to do changes how investors should think about its value.
✨XRP Serves a Different Purpose Than Most Assets
Dr. Stevenson explained that many people treat XRP like a stock or growth investment, expecting price gains due to company performance. She said this actually misses the point. According to her, XRP does not represent ownership in Ripple, nor does it provide claims to profits or earnings.
Instead, XRP exists independently of Ripple’s business results. Whether Ripple performs well or poorly, XRP remains operational. This difference places XRP in a different category from equities or speculative investments.
According to Dr. Stevenson, XRP functions as infrastructure. Specifically, its value comes from its ability to move value efficiently within financial systems, not from narratives, hype, or short-term price movements.
✨How Institutions Think About Value
Speaking further, Dr. Stevenson then highlighted a major difference between retail and institutional thinking. Notably, retail investors often focus on price action, while institutions focus on capability and reliability.
She explained that large financial systems care about whether an asset can handle high transaction volumes, settle payments quickly, and operate smoothly during periods of stress. Essentially, institutions prioritize certainty, efficiency, and reduced risk over short-term returns.
The market expert added that financial systems fail when liquidity breaks down or settlement slows, not when prices fluctuate. In the financial scene, assets that reduce friction gain importance, while those that introduce delays lose relevance.
✨Why Price Often Moves Last
Speaking on XRP’s late response to developments, Dr. Stevenson noted that infrastructure assets do not reprice because of excitement. However, they reprice when systems need them. Before price changes appear, systems usually go through stages such as legal clarity, technical testing, and integration.
These developments often happen quietly and do not show up as sudden price spikes. However, once systems begin to depend on an asset, availability becomes critical, and valuation can change quickly.
She explained that stress often accelerates this process. When conditions worsen, systems stop prioritizing cost and start prioritizing reliability and certainty.
✨XRP Repricing Depends on Necessity, Not Predictions
Dr. Stevenson chose not to make any price predictions or timelines. Instead, she highlighted XRP’s potential in terms of readiness. The financial pundit believes XRP is ready to play a role when financial systems require speed, finality, deep liquidity, and legal clarity.
She stressed that XRP does not need a crisis to succeed over time. However, challenging conditions tend to reveal which assets are essential and which ones remain optional.
To her, XRP could be repriced if the system demands the capabilities it offers. This possibility explains why long-term positioning matters more than short-term price movement.
Dr. Stevenson also discussed how investors plan around XRP. She explained that different classes of investors set up their strategies based on how they understand XRP. Specifically, investors who see XRP as a trade focus on timing buys and sells.
However, investors who view XRP as a system asset think differently. Notably, these ones focus on long-term use cases such as collateral, borrowing, yield generation, and diversification without immediate liquidation.

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$XRP Jake Claver, CEO of Digital Ascension Group, has shared what he sees as major facts about XRP and the XRP Ledger that would never change.
Claver made this disclosure amid the ongoing relentless attacks the XRP ecosystem has witnessed in recent times. These criticisms intensified within the Chainlink camp as well as from Solana community figures.
✨XRP’s Decentralization and Deflationary Model
Notably, in his X commentary, Claver first highlighted XRP’s decentralization. For context, the XRP Ledger runs as a layer-one blockchain supported by a global network of independent validators, with 185 currently running on rippled versions, per XRPScan.

The network uses its own consensus model instead of proof-of-work or proof-of-stake, which prevents any single entity from controlling the system. While Ripple helped promote early adoption, it does not own or control the XRPL, which operates as an open-source network.
Secondly, Claver addressed XRP’s deflationary model. Notably, XRP launched in 2012 with a fixed supply of 100 billion tokens, and the protocol does not allow the creation of new tokens.
However, each transaction permanently removes a very small amount of XRP, usually about 0.00001 XRP, to discourage spam. Since launch, this process has burned 14.2 million XRP, about 0.014% of the total supply. Although the reduction remains small, the supply continues to decline over time.
✨XRPL Features Native DEX, Supports Tokenization, and Avoids External Threats
For his third point, Claver highlighted the XRPL’s built-in decentralized exchange (DEX). Upon its launch in 2012, the XRPL came with a native DEX that still operates today. It allows users to trade XRP and issued tokens directly using a central limit order book. The network later added automated market makers to improve liquidity, all without relying on external applications.
Meanwhile, Claver’s fourth fact revolved around tokenization. From its launch, the XRPL has allowed users to issue custom tokens representing stablecoins, real-world assets, and other financial instruments.
The network introduced this capability without smart contracts, making it the first blockchain to support broad token issuance at the protocol level. Over time, this support has expanded to include fungible tokens, NFTs, and assets such as tokenized treasuries and real estate.
For his fifth point, Claver called attention to the XRPL’s unique design that makes it stand out. Specifically, core functions such as payments, escrow, token issuance, and decentralized trading operate directly at the layer-one level.
This removes dependence on complex smart contracts and reduces exposure to common risks like exploits, wallet drains, and blind signing. Notably, while tools like Hooks allow limited programmability, the main network keeps its core features native and rule-based.
✨Chainlink Proponent Presents a Counter Opinion
Meanwhile, Fishy Catfish, a Chainlink proponent that has persistently championed some of the attacks on XRP, responded with his own facts in an attempt to identify weak points surrounding the XRPL network.
Notably, he argued that XRP lacks a mechanism that links usage to price growth and noted that only a small portion of supply has burned since 2012. He also claimed that using XRP as a bridge asset does not support price appreciation because trades involve quick buying and selling.
Speaking further, the pundit suggested that holding XRP provides no exposure to Ripple’s business growth. He also described the XRPL as outdated, citing low rankings in total value locked, a limited share of the real-world asset and stablecoin markets, a small number of full-time developers, and daily DEX volume below $3 million.
According to him, Ripple focuses on expanding its broader ecosystem and shareholder value rather than the XRPL itself. He referenced Ripple’s decision to issue most RLUSD on Ethereum and bridge it to other networks, claiming that activity on those chains benefits their ecosystems, not XRP.

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$XRP YouTuber Zach Rector believes XRP is approaching a major breakout due to extreme market conditions tied to the largest crypto options expiry in history.
According to Rector, short-term volatility may shake out weak hands, but the overall setup points toward a strong upside move. With this outlook, he stressed that 2026 is shaping up to be a pivotal year for XRP.
✨XRP Faces Historic Options Expiry Pressure
In his update, Rector noted that the crypto market is heading into the largest Bitcoin options expiry ever with more than $23 billion in notional value expiring. He explained that events of this size force prices into tight ranges as market makers attempt to extract maximum value from both long and short positions.

This dynamic has kept Bitcoin and major altcoins like XRP locked in frustrating consolidation for weeks. Once these contracts expire, that artificial pressure typically eases, opening the door for sharp directional moves
✨Liquidity Data Shows More Incentive to Push XRP Higher
Furthermore, Rector noted that liquidity maps across major exchanges show more money to be made pushing XRP upward than downward. A move toward the $2.50 level would trigger heavier short liquidations than the long liquidations if the price briefly dips toward the $1.60–$1.70 zone.
Because of this imbalance, Rector warned traders to be prepared for a possible downside liquidity sweep. He added that any dip is unlikely to last long before a reversal.
✨Consolidation Nearing Its End
Rector views XRP’s extended range since late November as a deliberate holding pattern ahead of options expiry. He noted that market makers have kept price trapped to maximize profits, not because XRP’s fundamentals have weakened.
A move back above $2.50, he said, would mean that the local bottom is in and that XRP is ready to trend higher into the new year. Notably, at press time, XRP is trading at $1.87, up 1.15% over the past day.
✨ETF Activity Strengthens the Bullish Case
Beyond short-term price action, Rector highlighted record-setting ETF activity as a key structural tailwind. The U.S. ETF industry has seen historic inflows, and XRP ETFs have stood out within that trend.
✨Key highlights:
U.S. ETFs attracted $1.4 trillion in net inflows in 2025, a historic record
ETF trading volume reached $57.9 trillion, also a new high
XRP’s spot ETF from Canary Capital set the day-one volume record
Moreover, XRP ETFs recorded one of the strongest inflows of the year, even as Bitcoin and Ethereum ETFs experienced outflows. Rector sees this as evidence of growing institutional interest in XRP.

✨Why 2026 Could Be a Defining Year for XRP
Looking ahead, Rector argued that XRP is being accumulated below its perceived fundamental value. He pointed to expanding ETF adoption, institutional positioning, and an eventual liquidity expansion as reasons 2026 could deliver massive tailwinds for XRP.
In his view, the current weakness is more about positioning and pressure from derivatives than long-term fundamentals.
✨What Zach Rector Is Watching Next
Rector said traders should watch closely for volatility around key downside levels near $1.60–$1.70 and resistance around $2.50. A brief sweep lower followed by a sharp recovery would align with his breakout thesis.
While he expects near-term turbulence, Rector maintains that XRP’s consolidation phase is nearing an end, and the asset may be setting up for a much stronger move as the market turns toward 2026.

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$XRP The Ripple CTO, David Schwartz, has clarified that the XRP escrow introduced in 2017 did not give Ripple more freedom to sell XRP.
According to him, the approach actually placed firm limits on how much the company could sell. Notably, he made this disclosure during a public exchange that started as a debate about wealth, taxes, and fairness.
The conversation started when a political satirical commentator reacted to remarks attributed to Elon Musk about paying over $10 billion in taxes. The commentator argued that although the figure sounded large, it represented only a small share of Musk’s overall wealth.
✨Ripple CTO Comments on Musk’s Tax Obligation
Using Musk’s estimated net worth of $700 billion, the political commentator calculated that $10 billion amounted to about 1.43%. They criticized what they believe is a system where extremely wealthy individuals can legally reduce their tax burden while most people pay a much higher share of their income.
Responding to the criticism, Schwartz acknowledged that while the calculation itself was correct, the reasoning behind it was flawed. However, an XRP investor shifted the conversation to the XRP ecosystem, suggesting that the Ripple CTO lacked standing in the debate.
According to him, Schwartz had helped put in place the Ripple escrow so the company could sell up to 1 billion XRP each month to fund its operations and careers within the firm.
✨The Escrow Limited Ripple’s Ability to Sell XRP
Meanwhile, Schwartz corrected this claim. He explained that before Ripple created the escrow, the company faced no formal limits on how much XRP it could sell in any given month.

According to him, the escrow actually reduced Ripple’s freedom by locking up most of its XRP and releasing it on a fixed schedule.
He added that he opposed the escrow when Ripple considered it, because he did not see enough benefit to justify giving up that flexibility. To him, the company traded away optionality, not control, when it agreed to the escrow structure.
The investor admitted that this was news to them but argued that XRP’s price would likely be much higher today if Ripple had not sold XRP regularly since 2017. Notably, this reflects a common belief among critics who argue that ongoing sales by Ripple have weighed on XRP’s market value.
However, Schwartz said this idea sounds reasonable on the surface, but the available evidence does not support it. He explained that markets usually account for events that everyone expects. Since investors have long known about Ripple’s scheduled XRP releases, the market should already reflect that information in the price.
To support his position, Schwartz presented price data comparing XRP with Stellar’s XLM. Specifically, both assets have moved largely in tandem over time, even though Stellar burned half of its total supply in 2019. The major supply reduction had absolutely no effect on XLM’s price.

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$XRP Market commentator Coach JV has joined a growing list of analysts shifting their focus from XRP’s current struggles to 2026 as a potential turning point.
In a recent post, Coach JV stated that 2026 will be “epic” for XRP, adding that the outlook is already “locked in”. Accordingly, he argues that XRP could be a star in 2026.
Indeed, XRP has failed to meet bullish expectations in 2025. However, several factors are now aligning to support the view that the next year could be promising.

✨XRP’s 2025 Struggles Have Reset Expectations
XRP’s price action this year has been largely underwhelming. Despite the launch of multiple spot XRP ETFs and improving regulatory clarity, the asset has remained under pressure. It is currently trading at $1.85, down 20% over the past month.
Considering that the coin hit $3.66 in July, it is now down about 50% from that peak. Meanwhile, many had predicted that XRP could break a new all-time high this year. Some even suggested a $10 price or above, which never materialized.
However, some analysts argue that this disappointing phase may have been necessary, as overly optimistic expectations didn’t match the actual pace of adoption, regulation, and investment.
✨Why Analysts Are Increasingly Looking at 2026
According to financial outlet 24/7 Wall St., attention is now shifting toward 2026 as a year when multiple delayed catalysts could begin to materialize.
One of the most closely watched developments is Ripple’s planned rollout of RLUSD in Japan, in partnership with long-time collaborator SBI. Japan’s fully defined crypto and stablecoin regulations could allow banks and payment providers to integrate RLUSD more quickly than in other regions.
Even though RLUSD is a dollar-backed stablecoin, analysts believe it could still boost XRP’s ecosystem as Ripple’s payment network expands, supporting XRP’s use in cross-border transactions.
✨Historical Patterns Strengthen the 2026 Case
Market analysts have also pointed to XRP’s yearly chart behavior as a reason for optimism.
Historically, XRP has not recorded consecutive red yearly candles outside of the 2018–2019 bear market. Even during the 2022 downturn, driven by major industry collapses, XRP rebounded strongly the following year.
With XRP now on track for another challenging year, some analysts believe the odds favor a recovery phase in 2026.
✨ETFs May Matter More Over Time, Not Instantly
Although XRP ETFs have failed to trigger an immediate rally, inflows have quietly continued to grow. Total net inflows have now crossed the $1 billion mark, suggesting that institutional interest is building, even if the price response has lagged.
Teucrium CEO Sal Gilbertie noted that the strong start of XRP ETFs was not a coincidence, recalling JP Morgan’s forecast of $6–8 billion in first-year inflows. With the current figure at $1.25 billion, he sees it as just the beginning. To him, recent XRP price performance may have slowed momentum, but the market could soon see a game-changer.
In particular, Gilbertie highlighted that the Clarity Act could boost XRP adoption by providing regulatory certainty, making it more appealing to institutions. He grouped XRP with Ethereum and Solana as functional assets likely to remain in investment portfolios.
✨XRP Price Outlook for 2026
Estimates for XRP’s 2026 price vary widely. Conservative models suggest XRP could return to the $2.30–$3.30 range. More optimistic scenarios, tied to RLUSD adoption and improving market structure, place XRP closer to $4.50 — a potential new all-time high.
Meanwhile, more aggressive projections, including the widely discussed $10–$15 range, depend on XRP increasing its market dominance and outperforming Bitcoin — something it has done in previous cycles, though it is not guaranteed.
Ultimately, Coach JV’s confidence in XRP’s 2026 outlook reflects a sentiment increasingly shared by the community. After a year of missed expectations, fading hype, and stagnant prices, many investors now view 2025 as a setup year rather than a failure.
While risks remain, the growing consensus is that XRP’s story is not over; it may just be getting started.

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$XRP ETFs have gained traction since entering the market, with inflows rising steadily and attracting attention from both retail and institutional investors.
Notably, recent comments from Canary Capital’s CEO suggest that the next phase of demand may come from pension funds and insurance companies, a development that could influence XRP’s long-term price.
For context, Canary Capital led the XRP ETF push when it launched its XRPC product on November 13. The fund recorded a strong debut, pulling in $245 million in inflows on launch. One week later, Bitwise introduced its own XRP ETF. Franklin Templeton and Grayscale followed four days after Bitwise’s entry, while 21Shares completed the group by launching its product on Dec. 16.
Since then, all five XRP ETFs have seen steady inflows, with no single day of outflow. After 21 straight days of consistent demand, total inflows across the products crossed $1 billion. As of today, combined inflows stand at roughly $1.14 billion.
✨Canary CEO Says XRP ETFs Seeing Interest from Pension Funds
Canary Capital CEO Steven McClurg discussed this growth during a recent podcast. He pointed out that Canary Capital and Bitwise launched similar products around the same time, which worked well because both firms maintain a good working relationship.
McClurg explained that new ETFs usually attract retail investors first, and XRP ETFs followed this pattern. Specifically, during the first one to two weeks after launch, retail buyers accounted for much of the inflow activity.
However, soon after, the trend began to change. Notably, McClurg revealed that Canary Capital started receiving inquiries from pension funds and insurance companies across the world. He noted that these institutions represent an important audience for Canary Capital.
According to McClurg, interest from this group continues to grow. He also stressed that XRP appeals to traditional financial players because they “get it.” To him, XRP functions as financial infrastructure, which makes it attractive to Wall Street firms and global capital markets looking for assets with clear use cases.
With XRP ETFs now holding $1.14 billion in inflows, market watchers have begun discussing how deeper institutional involvement could affect XRP’s price. While the exact impact remains uncertain, sustained inflows from large institutions could support higher prices over time.
✨XRP Price if Pension Funds Get More Involved
To explore this, we asked Google Gemini to analyze the potential price effect of pension funds and insurance companies entering the XRP ETF market more deeply. Responding, Gemini emphasized that these institutions manage trillions of dollars and usually invest with long-term goals rather than short-term trading strategies.
Speaking further, the chatbot explained that crypto markets often experience a multiplier effect, where each dollar of new capital creates a much larger increase in market value because most tokens remain off the market.
At present, retail investors account for roughly $1.25 billion in XRP ETF assets. Gemini suggested that if pension funds and insurance firms allocate just 0.5% to 1% of their portfolios, XRP ETFs could attract an additional $10 billion to $20 billion in net inflows. Using a 30x multiplier on $15 billion in new capital, Gemini estimated a possible $450 billion increase in market cap.

With about 60 billion XRP in circulation, this increase could add roughly $7.50 per token, pushing XRP toward the $9 range or higher. Gemini also highlighted that pension funds and insurance companies typically hold assets for five to ten years. As ETFs move XRP into long-term custody, available supply on exchanges could shrink.
According to Gemini, rising demand paired with reduced supply could bolster price movements. In such a scenario, XRP could technically reach the $10 to $15 range during a period of strong market momentum. However, it is important to note that these projections remain speculative.

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$XRP is now at the center of long-term adoption discussions, as a popular financial commentator suggested that Japan could become its first major real-world use case.
The view links Japan’s fragile FX environment, rising yen volatility, and strong connections with Ripple as reasons it might change how money moves across Asia.
✨Why Japan Is a Critical XRP Test Case
According to the thesis shared by market commentator Paul White, Japan’s financial system is under growing stress from FX volatility and changing monetary conditions. Notably, when markets become unstable, large institutions prefer to move money quickly rather than wait for slow settlements.

White sees XRP as a practical tool in this context. XRP’s chain offers instant settlement, real-time FX, and no need for pre-funded accounts. This makes it more efficient than traditional systems during periods of stress.
Japan’s banks already work with Ripple through SBI Holdings, making it easier for institutions to adopt XRP compared to other countries.
✨FX and Geopolitical Angle
A key point is that the market often focuses on price while ignoring geopolitical and currency issues. Japan is a central hub for Asian capital flows, so problems with the yen could affect global markets.
Notably, XRP is not meant to replace monetary policy but to serve as a neutral tool to move money efficiently across borders during currency stress.
Should Japan start using blockchain more for remittances and institutional transfers, XRP could move from just a “crypto” asset to a core part of financial infrastructure. Back in September 2023, SBI announced it would use XRP for cross-border transfers in four Asian countries.
✨XRP Price Scenarios If Japan Adopts XRP at Scale
Based on the current market structure and XRP’s circulating supply, several price paths can be modeled if Japan becomes XRP’s first full-scale institutional use case. At the time of writing, XRP is trading at $1.85.
✨Base Scenario: $3–$5 XRP
If Japanese banks gradually use XRP for remittances and liquidity, demand would rise without causing a sudden supply crunch. This assumes steady adoption, limited speculation, and XRP remaining one of several settlement options. Price growth would come mainly from real-world use and market confidence.
Notably, 24/7 Wall St analysts agree with this price outlook. In a November report, they projected XRP could reach between $3 and $4.5 based on Ripple’s RLUSD expansion in Japan.
✨Optimistic Scenario: $8–$12 XRP
Meanwhile, if XRP becomes the main settlement method for Japan’s banks and corporate FX flows, demand could rise more significantly.
In this case, XRP would move from a speculative asset to a key financial tool in Asia, attracting institutional and long-term investors and reaching double-digit prices, as many analysts predict.
✨Aggressive Scenario: $15+ XRP
A more aggressive scenario would occur if Japan’s XRP adoption sparks adoption across Asia, making it a regional settlement standard. This would require clear regulations, strong liquidity, and steady transaction demand.
While not guaranteed, this scenario implies a long-term structural rise in XRP’s value rather than a short-term price spike.

✨What This Means for XRP Going Forward
The main point is that XRP’s long-term value depends more on real-world use than on market hype. Japan is a unique market with open regulations, large financial scale, and existing Ripple partnerships.
XRP’s success in Japan’s fast-moving FX environment could change its value from narratives to actual utility and infrastructure. For now, this remains speculative.

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$XRP In crypto, the most powerful shifts rarely announce themselves with price spikes. They emerge through regulation, infrastructure, and the people capable of translating law into functional markets.
As the United States moves closer to defining its long-awaited digital asset framework, one personnel move is drawing growing attention for its potential to reshape how capital enters and moves through crypto—particularly XRP. That move centers on Caroline Pham.
✨A High-Impact Transition at a Critical Moment
As highlighted by X Finance Bull, Caroline Pham, former Acting Chair of the U.S. Commodity Futures Trading Commission, has joined MoonPay as Chief Legal Officer. The timing is significant.

Pham spent years inside the regulatory engine, most notably leading efforts to unwind layers of duplicative and costly rules left behind by early Dodd-Frank implementation. She has publicly estimated that these reforms saved market participants hundreds of millions of dollars in compliance costs.
Her transition from regulator to infrastructure executive places that hard-earned expertise directly inside one of crypto’s most important access points.
✨MoonPay’s Expanding Role in XRP and Stablecoins
MoonPay is not a passive player in the digital asset ecosystem. As a leading fiat-to-crypto on-ramp, it enables direct access to assets like XRP and Ripple’s RLUSD stablecoin, which launched in December 2024. On-ramps increasingly define market behavior, especially as institutions demand compliant, low-friction entry into digital assets.
With Pham guiding legal and regulatory strategy, MoonPay is positioned to anticipate regulatory expectations rather than react to them. That matters as capital flows become more selective and compliance-driven.
✨Market Structure, Rulemaking, and the 2026 Window
In a video clip shared by X Finance Bull, Pham addressed the urgency surrounding U.S. market structure legislation, noting that 2026 is a decisive period. She emphasized that while Congress passes laws, agencies ultimately shape markets through rulemaking. Drawing from her experience at the CFTC, Pham warned that poorly designed rules can take decades to correct.
She also stressed the importance of technical expertise within regulatory bodies, pointing out that writing durable rules requires hands-on legal precision, not political shortcuts. Her perspective reflects why implementation—not just legislation—will determine whether crypto innovation accelerates or stalls.
✨Why XRP Is Uniquely Positioned
XRP has long been designed for regulated financial environments, prioritizing liquidity efficiency and cross-border settlement. As regulatory clarity improves and compliant access points strengthen, assets aligned with institutional workflows stand to benefit disproportionately.
Pham’s role at MoonPay does not guarantee policy outcomes, but it meaningfully improves the alignment between regulation and infrastructure—precisely where XRP operates best.
✨A Structural Shift, Not a Headline Moment
This development is not about short-term speculation. It is about financial plumbing. When regulatory architects move into transaction infrastructure, capital flows adjust quietly before transforming markets at scale. If executed well, this convergence could redefine how XRP—and crypto more broadly—moves through the global financial system for years to come.

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$XRP Each Christmas arrives with a quieter market rhythm, a moment when speculation fades, and long-term conviction stands exposed. For XRP, these year-end pauses have become a subtle checkpoint—one that reflects not hype, but endurance.
While daily charts capture volatility, Christmas prices reveal something deeper: how belief survives cycles of optimism, fear, regulation, and renewal. Over the years, these seasonal snapshots have drawn attention from investors who measure progress in chapters, not candles.
✨A Long View of Market Cycles
Data highlighted by X Finance Bull captures how XRP’s Christmas valuations have evolved alongside the broader crypto market. In its earliest years, XRP traded at negligible levels, reflecting an experimental phase where the asset was largely unknown outside niche circles. That period was defined by infrastructure building rather than price discovery.

The 2017 bull market changed everything. XRP’s surge by Christmas that year placed it firmly in global headlines, introducing a wave of speculative interest. Yet the years that followed reminded markets that price discovery is rarely permanent.
From 2018 through 2020, XRP retraced sharply, mirroring a broader crypto cooldown while also absorbing rising regulatory pressure in the United States.
✨Regulation and Resilience
XRP’s post-2020 story cannot be separated from regulation. The SEC’s lawsuit against Ripple became a defining overhang, shaping sentiment through multiple Christmas periods. Despite this, XRP did not disappear. Instead, it maintained liquidity, community support, and relevance in cross-border payment discussions.
By 2023, renewed optimism began to surface as legal clarity improved and Ripple expanded partnerships across payment corridors. This shift was reflected in stronger year-end pricing, suggesting that the market was reassessing risk with a longer lens.
✨Maturity Over Momentum
The Christmas periods of 2024 and 2025 marked a transition into a more mature phase. XRP’s valuation growth aligned less with speculative mania and more with fundamentals—enterprise adoption, on-chain liquidity utility, and institutional engagement across the digital asset sector. The slight pullback into Christmas 2025 did not signal collapse, but consolidation after rapid expansion.
This behavior echoed a broader market trend: assets with real-world utility increasingly trade in cycles of buildup and digestion rather than explosive one-way moves.
✨The True Meaning of the Pattern
XRP’s Christmas history tells a consistent story. Conviction is tested not at peaks, but during extended plateaus and drawdowns. Each cycle filtered participants, rewarding those who understood time as a strategy rather than a risk.
In the end, XRP’s greatest Christmas gift has never been price alone. It has been the lesson that patience, when paired with conviction and fundamentals, remains one of the most undervalued assets in any market.

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$XRP Investor focus on crypto exchange‑traded funds has shifted dramatically since the launch of U.S. spot XRP ETFs in mid‑November 2025, with these new products drawing consistent interest even as broader macro conditions weigh on risk assets.
Rather than fading after initial curiosity, capital flows into XRP‑linked ETFs have remained steady, underscoring a growing institutional appetite for regulated exposure to XRP’s unique utility and market positioning.
According to an X post by Xaif, trading activity in XRP ETFs is building momentum late in the trading session, with current volume sitting at $9.02 million and almost $10 million more room before market close, suggesting additional inflows could materialize before the session ends.
This observation comes amid confirmed data showing that XRP ETF inflows have now outpaced expectations, with the category extending its uninterrupted streak of net inflows.

✨Sustained Inflows and Record Streak
Since debuting on November 13, 2025, U.S. spot XRP ETFs have recorded 30 + consecutive trading days of net inflows, a remarkable feat in the cryptocurrency ETF space. Over this period, cumulative net subscription capital has surged past $1 billion, lifting total assets under management across these products to roughly $1.1 – $1.2 billion.
Notably, this category has achieved its milestone with zero outflow days, contrasting sharply with Bitcoin and Ethereum ETFs, which have experienced significant redemptions in the same timeframe.
The sustained inflow streak sets XRP ETFs apart. Data from independent trackers show regular daily inflows from major issuers such as Canary Capital’s XRPC, 21Shares’ TOXR, Bitwise’s XRP ETF, Grayscale’s GXRP, and Franklin Templeton’s XRPZ, indicating broad allocation across the institutional landscape rather than concentrated interest in a single product.
✨Market Dynamics and Divergence
Despite this inflow resilience, XRP’s spot price has at times lagged behind these positive flow dynamics, reflecting a divergence between regulated capital entry and broader market sentiment.
In traditional markets, ETFs frequently act as stabilizing vehicles; in crypto, however, the dual realities of evolving risk aversion and lingering macro pressures have muted price response even as institutional engagement deepens.
Investors are showing a clear preference for diversified crypto exposure through XRP-linked products, as Bitcoin and Ethereum ETFs saw tens of millions in outflows over recent weeks – a stark contrast that highlights this shift.
✨What Comes Next
Looking ahead, analysts are watching whether the late‑day trading activity noted by Xaif will translate into sustained net inflows and whether this institutional interest can catalyze broader market confidence.
If current momentum persists, XRP ETFs could continue to attract capital, potentially reshaping liquidity dynamics and positioning XRP as a structural allocation in diversified crypto portfolios. With regulated adoption still in its early stages, the resilience of these flows suggests that investor interest in XRP ETFs may be more enduring than cyclical.

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$XRP As global finance accelerates toward digitization, the conversation around blockchain is maturing beyond speculation and into infrastructure. Financial institutions are no longer asking whether digital assets belong in capital markets, but which networks can realistically support settlement, liquidity, and compliance at scale.
This shift has placed renewed focus on blockchain systems that mirror the logic of traditional finance while improving efficiency.
That institutional recalibration was spotlighted in a recent clip shared by Mr. Man on X, featuring comments from Steven McClurg, CEO of Canary Capital, during a discussion on crypto investment products and market demand.
McClurg’s remarks provide a rare, ground-level view of how different investor classes are responding to XRP-linked offerings—and why XRP continues to resonate with global capital markets.

✨Retail Momentum Meets Institutional Capital
McClurg explained that when new exchange-traded products tied to digital assets are launched, early traction typically comes from retail investors. Canary Capital observed that same pattern initially. However, within a short period, the firm began receiving outreach from pension funds and insurance companies across multiple jurisdictions.
This progression is significant. Pension funds and insurers are among the most conservative participants in global finance, constrained by long-term liabilities, regulatory requirements, and risk controls. Their growing engagement signals that XRP is being evaluated not just as a crypto asset, but as a financial instrument with systemic relevance.
✨Why XRP Is Intuitive for Wall Street
A key point raised by McClurg is that XRP is comparatively easy for traditional finance professionals to understand. Unlike highly abstract or experimental blockchain models, XRP’s core function aligns with familiar financial concepts: settlement, liquidity, and payments.
By describing XRP and the XRP Ledger (XRPL) as “the rails for the financial system,” McClurg framed the asset in infrastructure terms rather than speculative ones. The XRPL’s emphasis on speed, cost efficiency, and reliability closely resembles the purpose of legacy payment rails—only modernized through blockchain technology.
✨Growing Global Interest in Financial Rails
McClurg’s comments also highlight that interest is not confined to the United States. Global capital markets, particularly institutions exploring cross-border payments and on-chain settlement, are increasingly attentive to blockchain networks that can integrate with existing financial structures.
As tokenization, real-time settlement, and digital liquidity become strategic priorities, infrastructure-focused assets like XRP are gaining credibility. Rather than attempting to serve every possible blockchain use case, XRP’s specialization appears to align with what large financial institutions are actively seeking.
✨A Shift Toward Utility-Centered Valuation
The broader implication of McClurg’s remarks is a shift in how digital assets are being evaluated. Utility, clarity, and institutional compatibility are emerging as decisive factors. In that environment, XRP’s long-standing focus on payments and financial infrastructure positions it as a serious contender in the evolving architecture of global finance.
As institutional interest deepens, the narrative around XRP is increasingly less about speculation—and more about its role in the future plumbing of the financial system.

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$ETH Ethereum is testing the neckline of a large inverse head and shoulders pattern on the weekly chart, with a potential breakout target around $ 7,600.
✨ Ethereum (ETH) is building a major inverse head and shoulders pattern on the weekly chart that's caught traders' attention. The pattern has been developing over several months, with ETH currently trading near $3,122 just below the neckline resistance. This sloping neckline connects multiple highs and represents the key barrier ETH needs to break through to confirm the bullish setup.

✨ The weekly chart clearly shows the left shoulder, head, and right shoulder taking shape. Using the classic measurement method—taking the distance from the head to the neckline and projecting it upward from the breakout point—the pattern suggests a target around $7,600 if ETH clears the neckline. That's more than double the current price, making this a serious macro setup worth watching.
✨ The chart includes a height marker labeled "H" showing exactly how the $7,600 projection is calculated, along with projected candles illustrating where price could head after a breakout. The key thing to remember is that ETH needs a weekly close above that neckline to validate the pattern—anything less is just noise.
✨ This matters because Ethereum is the second-largest crypto by market cap, and when ETH makes big technical moves, it usually drags the rest of the market along. The neckline stays the critical level to watch. Break it on a weekly basis, and ETH could be heading toward $7,600. Fail to break it, and the pattern falls apart.

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$BTC Bitcoin is trading around $88,000 in a tightening pattern, with a break above $89,500 potentially pushing toward $100,000 or a drop below $85,000 risking a fall under $ 80,000.
✨ Bitcoin (BTC) is sitting at a critical crossroads, trading near $88,000 as the chart compresses into a narrowing range. The setup is straightforward: a daily close above $89,500 could spark a run toward $100,000, while dropping below $85,000 might send BTC tumbling under $80,000. On Binance, Bitcoin's been hovering around $88,117, caught between a descending trend line and rising support as December winds down.

✨ The chart tells a clear story. For weeks, Bitcoin's been making lower highs under a downward-sloping resistance line while building higher lows along an upward support trend. This classic compression pattern typically means volatility is about to break loose. The first upside target sits at $89,500 on a daily close. If Bitcoin punches through that ceiling, the next stop is $100,000—a level that's been on everyone's radar as both a psychological milestone and a technical marker.
✨ On the flip side, $85,000 is the line in the sand. A daily close below that support would signal serious weakness and could "dump BTC below the $80,000 zone." Right now, Bitcoin's stuck in the middle, bouncing between these two boundaries while traders wait to see which one cracks first. Recent price action has been pretty quiet compared to the sharp drops earlier this quarter, suggesting the market's coiling up before making its next big move.
✨ This matters because Bitcoin drives sentiment across the entire crypto market. The clearly marked levels at $89,500 and $85,000 give traders concrete reference points for the short term. Whether BTC breaks higher toward six figures or slips under $80,000 will likely set the tone for volatility heading into the new year.

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$SOL Solana is trading near $123 as technical charts show a potential breakout from a falling wedge. The next key level to watch is $133, with higher targets at $206 and $300 if that zone holds.
✨ Solana (SOL) is hovering around $123.79 on the SOLUSDT pair as fresh technical analysis points to a possible breakout from a falling wedge pattern. The immediate target sits at $133, and if SOL can reclaim that level, traders expect momentum to pick up. The chart, based on a two-hour timeframe, shows the token sliding lower through a tightening downward channel before stabilizing near the lower edge toward the end of December 2025.

✨ The $133 level is the first major checkpoint for Solana. The analysis suggests that once this zone is secured, price could "magnet" toward $206 and eventually $300. The chart layout backs this up with angled white trend lines showing the broader down channel, dashed lines marking the falling wedge, and a magenta trend line underneath that lines up with the reclaim zone.
✨ Right now, Solana is still trading below the $133 mark but has started consolidating more tightly inside the wedge. This comes after weeks of downward pressure starting in early November, where SOL couldn't hold onto multiple recovery attempts. A clean break above the wedge resistance and a reclaim of $133 would signal a shift toward short-term bullish momentum and set up what could be a strong continuation move.
✨ This matters because Solana remains one of the most actively traded altcoins, and clearly defined levels like $133, $206, and $300 can shape market sentiment. A confirmed breakout could influence trading behavior across the crypto market, while failure to reclaim these zones might keep SOL stuck in its recent downtrend.

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$SOL A new Solana price chart shows a potential drop toward long-term support before a gradual recovery. The outlook suggests SOL could set up a multi-year "spot swing" starting next year.
✨ A long-term Solana (SOL) price chart is making the rounds, mapping out what could be a multi-phase journey for the token. The weekly SOLUSDT chart shows SOL trading around $123.78, tracing a pattern of repeated peaks over the past two years followed by sharp drops marked with red arrows. The chart highlights three major tops where SOL fell hard afterward, with each peak circled to show the repeating structure.

✨ The most recent move shows another downturn from a local high, with a projected red path pointing toward a wide grey support band—roughly the same zone where Solana hung out through late 2022 and early 2023. That's where the price previously built a base before climbing back up, and the current projection suggests SOL might revisit that area before finding its footing again.
✨ Beyond the potential dip into support, the chart outlines a gradual accumulation phase shown in a light grey path, followed by a steady recovery stretching across 2027 and into 2028. In that scenario, SOL eventually trends back toward higher levels, with the projected curve reaching above $200 later in the period. This is framed as a long-term swing setup rather than a quick trade, emphasizing the repeating rhythm of major peaks, pullbacks, and extended bases on the weekly chart.
✨ This matters because Solana remains one of the most watched altcoins, and long-term chart scenarios help shape expectations around risk, timing, and market behavior. The idea of a deeper pullback into familiar support before a multi-year recovery puts SOL within a broader cyclical framework and highlights the ongoing volatility that defines the digital asset market.

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$XRP A seemingly unrelated debate over billionaire taxation has reignited a long-standing and emotionally charged discussion within the XRP community: have Ripple’s escrow-based XRP sales held back the token’s true market value?
What began as criticism of Elon Musk’s tax claims quickly spiraled into a broader argument about wealth, fairness, and ultimately, the mechanics behind XRP’s price behavior.
The conversation took a decisive turn when Ripple Chief Technology Officer David Schwartz weighed in, initially challenging the logic of comparing net worth to taxable earnings. While his early remarks focused on economic reasoning, the exchange soon shifted toward Ripple’s XRP sales model, reopening years of debate around the escrow system introduced in 2017.
✨How the Debate Shifted to Ripple Escrow
Following Schwartz’s response, critics redirected their attention to Ripple itself, arguing that the company’s ability to sell up to one billion XRP monthly through escrow has suppressed XRP’s price.

Schwartz responded by clarifying an often-misunderstood historical fact: before the escrow was implemented, Ripple had no formal limits on how much XRP it could sell in any given month.
According to Schwartz, the escrow was not designed to enable sales but to introduce predictability and reduce market uncertainty. Notably, he revealed that he opposed the escrow’s implementation at the time, believing it gave up strategic flexibility without providing enough tangible benefit in return.
✨Examining Claims of Price Suppression
Critics countered by asserting that XRP’s price would be significantly higher today if Ripple had not sold XRP consistently since 2017. Schwartz pushed back on this assumption, arguing that while the claim may seem like common sense, available evidence does not support a direct causal relationship between escrow sales and long-term price suppression.
He stressed that XRP’s price history cannot be explained solely by supply releases, particularly when those releases are transparent, capped, and widely anticipated by the market.
✨Market Expectations and Price Discovery
At the core of Schwartz’s argument is a fundamental market principle: known and expected events are typically priced in. Ripple’s escrow structure, monthly release schedule, and the routine re-locking of unused XRP have been public knowledge for years. As a result, traders and institutional participants have long incorporated these dynamics into their valuation models.
This perspective challenges the idea that escrow sales represent an ongoing surprise or hidden pressure on XRP’s price. Instead, Schwartz suggests that price movements are more likely driven by broader factors such as utility growth, liquidity conditions, regulatory clarity, and macroeconomic trends.
✨Reframing the XRP Escrow Narrative
By grounding the discussion in market mechanics rather than speculation, Schwartz’s clarification reframes a debate that has persisted for nearly a decade. His position does not deny that supply matters, but it rejects the notion that a transparent, predictable escrow system alone explains XRP’s historical price performance.
Ultimately, the exchange highlights a critical distinction often lost in online discourse: markets respond less to emotion and more to expectations—and in the case of XRP, those expectations have long been out in the open.

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$XRP The digital asset market is entering a phase where long-term structure is beginning to outweigh short-term noise. After years of regulatory pressure, shifting narratives, and delayed infrastructure rollouts, XRP is once again drawing focused attention—not because of sudden price spikes, but due to a growing alignment of macro, regulatory, and market-cycle forces.
As investors reassess which assets are best positioned to benefit from the next expansion phase, XRP has reemerged as a serious contender.
That renewed focus intensified after YoungHoon Kim, the South Korean intellectual widely recognized online for holding the world’s highest recorded IQ, shared a forward-looking perspective on XRP’s market trajectory via X.
Rather than offering speculative price targets, Kim anchored his outlook around timing—specifically when XRP could realistically reach a new all-time high based on broader systemic conditions.

✨Market Cycles and the January 2026 Window
Historically, the cryptocurrency market has followed a well-documented rhythm driven by Bitcoin halving cycles. Major altcoins tend to peak 12 to 18 months after a halving event, as liquidity rotates outward from Bitcoin into assets with higher beta and stronger narratives.
With Bitcoin’s most recent halving occurring in April 2024, this cycle naturally points toward late 2025 and early 2026 as a potential altcoin climax period.
XRP’s structure fits this timing particularly well. Unlike many tokens that rally early on speculation, XRP has historically lagged until clarity and infrastructure catch up—then moved aggressively once those barriers are removed. January 2026 sits squarely within that historically significant window.
✨Regulatory Clarity Changes the Equation
A defining shift for XRP occurred in 2025 with the effective conclusion of the Ripple–SEC legal battle. With appeals withdrawn and no further litigation pending, XRP entered a new era of regulatory certainty in the U.S.—a development that fundamentally alters its risk profile for institutions.
This resolution coincides with a broader global trend toward clearer digital asset regulation, particularly in regions prioritizing blockchain-based payment infrastructure. For XRP, regulatory clarity is not a narrative boost—it is a functional prerequisite for scale.
✨Infrastructure Finally Aligns With Utility
Beyond legal progress, XRP’s ecosystem has matured materially. The launch of Ripple’s RLUSD stablecoin in December 2024, advances in tokenization, and expanding XRPL liquidity frameworks have strengthened XRP’s role as a settlement-focused asset rather than a purely speculative one.
These developments provide the foundation required to sustain higher valuations during late-cycle market expansions.
✨A Convergence, Not a Prediction
Kim’s timeline does not present January 2026 as a guaranteed outcome, but as a convergence point—where market cycles, infrastructure readiness, and regulatory clarity may finally align. For XRP holders and observers, the significance lies less in the date itself and more in what the timeline represents: a shift from uncertainty to structural readiness.
As history has shown, new all-time highs are rarely born from hype alone. They emerge when conditions quietly lock into place—and XRP may be closer to that moment than many realize.

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$XRP Crypto commentator Xaif highlighted a notable shift in market activity this week. He noted that while Bitcoin and Ethereum faced heavy outflows, XRP attracted $62.9 million in fresh capital.
Xaif described the move as “XRP stealing the show,” pointing to the inflows as evidence of deliberate positioning despite market uncertainty.
The image Xaif shared shows CoinShares data on digital asset flows. It shows weekly, month-to-date, and year-to-date positioning across major crypto products. The numbers track institutional and fund-level activity rather than retail noise. Xaif shared the data as evidence of intentional positioning, not random rotation.

✨XRP Records Inflows While Leaders See Exits
According to the data, XRP recorded $62.9 million in weekly inflows. Bitcoin saw $460 million in weekly outflows. Ethereum posted $555.1 million in outflows over the same period. These moves occurred while total weekly flows across crypto products fell to -$952 million. Xaif focused on this divergence.
He described the XRP inflow as capital moving with purpose rather than chasing short-term price action. Bitcoin and Ethereum bled capital, and XRP absorbed it. Month-to-date figures strengthen that view. XRP shows $354.6 million in inflows.
Bitcoin stands at $410 million month-to-date, but that figure masks the recent reversal. Ethereum remains negative at -$180.1 million for the month. Xaif emphasized that XRP attracted capital despite increasing uncertainty among investors.
✨What the Rotation Means for XRP
Xaif described the move as “positioning before the move.” Large investors often rotate early. XRP receiving inflows while other large assets see exits suggests selective investment rather than broad speculation. XRP has seen notable whale activity recently, and these large investors could be gearing up for a massive move.
Year-to-date numbers add context. XRP products show $3.244 billion in inflows. That places XRP close to Solana at $3.505 billion despite a smaller product footprint. Assets under management (AUM) for XRP products stand at $2.946 billion. This remains modest relative to Bitcoin but large enough to reflect sustained demand.
Bitcoin still dominates total AUM at $137.654 billion. Ethereum follows at $24.561 billion. Yet flows reveal where new capital goes, not where legacy capital sits. Xaif’s point rests on that distinction. Investors are confident in XRP’s future, and it does not need to lead in size to lead in demand.

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