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$XRP Crypto investor Zach Humphries (@Z_Humphries) issued a direct message to XRP holders as excitement built around ambitious price targets. He supported XRP’s long-term prospects but challenged the claims that pushed unrealistic expectations into the market.
Reacting to a recent $100 prediction by Jake Claver, Humphries stated that XRP will not reach $100 by the end of the year.
Zach’s post stood out because he backed his stance with clear numbers instead of speculation. He aimed it at traders who may not understand the scale required for a rapid price rally.

👉The Claims Behind the $100 Target
Humphries called the idea of XRP hitting $100 in 2025 “delusional.” He said some people push these targets to influence investors who “don’t understand how math works.” His argument focused on the relationship between price and market cap. He pointed to XRP’s current position and pressed for a more informed discussion within the community.
He highlighted that XRP trades at around $2.27. He noted that a price of $100 would place the asset at a $6 trillion market cap. He stated that such requires a 43x jump from current levels. He also compared that figure to the entire cryptocurrency market, which stands at about $3 trillion.
He stressed that the market has only 35 days left in the year. He used these numbers to reinforce that the timeline does not match the magnitude of the claim. Notably, other pundits have called out Claver for these unsupported XRP price predictions.
👉What Does This Mean for XRP?
Humphries urged investors to ignore these wild predictions. Other experts have also criticized outlandish predictions. He focused on simple calculations to show how market cap expansion works.
A $6 trillion valuation for a single asset would require more capital than the crypto market. He said the target does not fit within current market conditions.
He did not dismiss XRP itself. In fact, he said he remains bullish on XRP’s long-term potential. His criticism focused on the short-term claims, not the asset. He separated hype from realistic expectations. His comments emphasize that education about market structure for traders can aid informed decisions.
Humphries’ message offered investors a clear reminder that ambition must match market reality. His stance reflected confidence in XRP but rejected exaggerated short-term outlooks.

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$XRP Pumpius (@pumpius), a well-known crypto expert, has highlighted a new mention of XRP by the International Monetary Fund (IMF).
He shared a screenshot that places XRP beside two other models for cross-border settlement. His post is notable because XRP supporters have long believed in its ability to dominate the cross-border payment market.
The reference appears in a report titled Trust Bridges and Money Flows. It offers a direct description of XRP as a “private settlement asset and marketplace.”
That line signals recognition of XRP within a framework that major institutions study closely. The reaction from the market shows why this matters for long-term growth. XRP now sits in a position that could open new channels for adoption.

👉IMF’s Framing of Settlement Models
The IMF text identifies three models for moving value across borders. The first model describes a private asset and its marketplace. The line cites XRP as an example. The second model points to an open-source marketplace.
It includes systems built by the Stellar Foundation and newer DeFi networks. The third model focuses on unbacked crypto assets. It uses Strike as the example and notes its use of Bitcoin and the Lightning Network.
This structure gives XRP a clear place in a category that stands apart from the other two models. The IMF places it within a market that can sit inside regulated financial frameworks. That distinction could shape how banks approach digital assets in the next stage of global adoption.
The IMF then points to the strength of a public solution that a regulated private entity could run. It explains that this type of system tackles coordination issues and builds trust through clear governance. It also keeps full alignment with financial integrity standards.
👉Why This Recognition Matters for XRP
The mention of XRP gives it a clear operational role in a model reviewed by a major global institution. This helps financial firms that want clarity before adopting new technology. It also reduces uncertainty about how XRP fits within regulated settlement systems. It supports Ripple’s message that XRP can provide frictionless payment and strong liquidity benefits.
This recognition can push banks and payment providers to examine XRP more closely. It opens the door for new corridors, higher transaction volumes, and more liquidity partnerships. With defined use cases and rising institutional interest, XRP can gain a stronger position in global payments as firms seek reliable cross-border settlement options.

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$XRP Crypto analyst and investor Xaif, in a recent post, spoke on remarks from Ripple CEO Brad Garlinghouse that address ongoing misunderstandings about who controls XRP and how decisions are made within its ecosystem.
The focus of Xaif’s post is to provide clear, accessible explanations for readers who may still mix up Ripple, the company, with XRP, the open-source digital asset.

👉Garlinghouse Explains the Structure of the XRP Ecosystem
In the video referenced in the tweet, Garlinghouse sets out a straightforward message. Ripple is a private company, and like any company, it has a CEO; XRP does not.
He explains that many independent teams and developers contribute to the XRP ecosystem, and none of them operate under a centralized authority for the asset itself. According to him, when people assume XRP has a CEO, it shows a lack of understanding about how the network functions.
Garlinghouse stresses that XRP and the XRP Ledger are open-source and decentralized. Changes to the technology require approval from validators, not Ripple. He notes that amendments have been passed even when Ripple disagreed with them.
This, he says, demonstrates that control does not sit with the company but with the community. Any change to the XRP Ledger needs 80% validator approval, which ensures that decisions reflect broad support rather than a single entity’s preference.
👉Xaif Clarifies How XRP Escrow Actually Works
During the discussion, X user Rui Ferreira raised a question about the escrow that releases XRP each month. Xaif responded with a technical explanation aimed at preventing misunderstandings. He stated that Ripple does not control the escrow. Instead, the system runs automatically through cryptographic, time-locked code.
A fixed amount of XRP unlocks every month, and Ripple cannot speed it up, slow it down, or intervene manually. If part of the released supply is not used, it goes back into escrow with a new unlock date. Xaif described the process as predictable and transparent, governed entirely by code rather than human decision-making.
👉Distinction Between Ripple and XRP
Another X user, Monica, added further context by noting that Ripple’s role is to develop software solutions. This is separate from the XRP Ledger, which is maintained by independent validators and shaped by community governance.
Her remarks align with the central point made by both Garlinghouse and Xaif: XRP operates independently of Ripple, and decisions about the ledger are made collectively, not by a single organization.
Through these comments, Xaif highlighted key facts about XRP’s decentralization, governance, and automated supply mechanisms, ensuring readers have a clearer understanding of how the ecosystem functions.

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$ETH Ethereum dominance is stabilizing near a major long-term support level after recovering from yearly lows. Market watchers are now focused on whether altcoins might follow if ETH maintains this upward trajectory.
👉 Ethereum (ETH) dominance is trying to hold ground after bouncing hard from the 7.1 percent low visible on the weekly chart. The current setup suggests zooming out to see the bigger picture as ETH dominance consolidates around 11.9 percent. This stabilization has brought fresh attention to how Ethereum's market position could shape overall sentiment.

👉 The chart shows two key structural zones: the long-term floor near 7.1 percent where dominance previously bottomed, and the mid-range support around 11.8 percent that ETH is now defending. A projected path upward suggests dominance could push toward the mid-teens if this level holds. Historical patterns show that when Ethereum's dominance expands, it often aligns with rotation into the broader altcoin market.
👉 ETH dominance has been sliding steadily over the past year as capital flowed toward Bitcoin and thematic plays like AI tokens and memecoins. The rebound from the cycle low marks one of the strongest recoveries for ETH dominance in 2025, hinting that market positioning might be shifting. With price now retesting structural support and trying to stabilize, traders are watching whether this momentum can extend into a wider altcoin phase.
👉 This shift matters because Ethereum dominance often signals broader liquidity trends across crypto. A sustained climb from here could mean growing confidence in Ethereum-based assets and better conditions for altcoins. If ETH dominance keeps pushing higher, market structure could tilt toward more active altcoin participation through the next cycle.

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$XRP If You Hold 1,000 to 5,000 XRP, Here’s What It Could Be Worth if ETFs Drain XRP’s Exchange Supply in 17 Months
Investors holding between 1,000 and 5,000 XRP tokens could record impressive profits if ETFs drain XRP’s exchange supply in 17 months.
The launch of XRP spot ETFs has triggered a wave of strong demand, and the early numbers show just how quickly these products keep absorbing XRP from exchanges.
Within only eleven trading days, the four newly launched ETFs pulled in about $666 million worth of XRP, outperforming the six Solana ETFs, which have witnessed $618 million in net inflows after 23 days.
This accumulation trend has pushed several analysts to suggest that ETF issuers may eventually drain the available XRP supply on retail exchanges, creating the kind of scarcity pressure that could lead to impressive price surges.
👉How Long Before ETFs Drain XRP’s Exchange Supply?
One of the individuals discussing this possibility is Brad Kimes, the founder of Digital Perspectives. He recently shared that he turned to the AI model Grok to understand how much liquid XRP remains on exchanges and how long it would take for the ETFs to absorb it.
Grok explained that, as of late November 2025, major centralized exchanges such as Binance, Upbit, Bithumb, and OKX collectively hold an estimated 5 to 6 billion XRP in tradable reserves.
The chatbot noted that Binance alone holds around 2.71 billion XRP, a figure that has dropped by 300 million XRP since early October and another 100 million XRP after the ETF launches in mid-November.
Grok also pointed out that exchanges lost about 73 million XRP in a single day, a sign that the market continues to experience shrinking sell-side pressure as ETF buying grows. The chatbot said this remaining liquid supply represents roughly 9% to 11% of the circulating 56 billion XRP.
When Kimes asked how long the ETFs would need to pull this supply off the market, Grok reviewed inflows from Nov. 25 to 27 and observed that issuers took in an average of $26 million per day over those three sessions.
At a price of $2.20 per XRP, this demand equals about 11.8 million XRP bought each day. Grok calculated that, at this pace, ETF issuers would need about 422 days to absorb 5 billion XRP, and about 506 days to absorb 6 billion XRP, which places the full drain within about 14 to 17 months.

👉Possible Impact on XRP Price
However, it remains unclear how such a supply shock could impact the XRP price. To ascertain this, we asked Google Gemini. Notably, Gemini explained that crypto assets rarely rise in a straight line during scarcity events.
Instead, they tend to climb exponentially because buyers must push the price higher to convince remaining holders to sell. It then referred to Bank of America’s 2021 analysis, which found that every $1 flowing into Bitcoin created about $118 in added market value during periods of tight supply.
Using similar logic, Gemini presented several price zones that XRP could reach if ETFs absorb most of the remaining 5 to 6 billion liquid tokens. It said the first major level sits between $8 and $13, driven by strong momentum.
Gemini then described a more intense supply crunch that could lift XRP toward $20 to $25 if investors try to price it alongside Ethereum (ETH), especially if ETH’s valuation climbs toward $1 trillion in a future bull run.
In its most bullish scenario, Gemini highlighted a full liquidity vacuum in which ETF issuers must buy XRP at any price because they have no sellers left to meet demand. In that case, Gemini said XRP could break above $ 50.

Gemini also presented how this climb could ensue over 17 months. It described the first six months as an accumulation phase that lifts XRP from $2.20 to $5, followed by a realization phase from months seven to twelve that pushes it toward $15, and ending with a mania phase where extreme scarcity drives sudden spikes into the $20 to $50+ range.
👉How Much Your 1,000 to 5,000 XRP Would Be Worth
Such price surges would have far-reaching effects on investor holdings, especially those holding thousands of XRP tokens. For instance, data shows that 596,029 wallets hold between 1,000 and 5,000 XRP tokens, the third-largest address cluster on the XRP Rich List.
For this class of holders, the potential gains become enormous. At today’s levels, 1,000 XRP equals about $2,200, and 5,000 XRP equals about $11,000. If XRP reaches $50, 1,000 tokens would grow to $50,000, which represents a gain of $47,800. Meanwhile, the 5,000 XRP would rise to $250,000, creating $239,000 in profit.
Also, even at the lower $20 target, the profit would be impressive. Notably, if XRP hits $20 instead, those holding 1,000 XRP would see their holdings rise to $20,000, marking a profit of $17,800. Meanwhile, those holding 5,000 XRP would see their holdings grow to $100,000, representing a profit of $ 89,000.

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$XRP Financial commentator Levi Rietveld shared a recent social media post in which he referenced a video from Raoul Pal, highlighting Pal’s discussion of macroeconomic and regulatory factors to suggest how these developments could strengthen the cryptocurrency market and affect XRP’s price.
Pal argued that the Treasury General Account (TGA) is likely to decline, quantitative tightening (QT) will come to an end, China appears to be expanding its balance sheet, and forthcoming regulatory shifts and interest-rate cuts are likely to follow.
He presented these factors as components of the next phase of the business cycle, which he suggested would move upward and channel purchasing power into risk assets, including crypto. Pal also criticized the short-term focus of many traders who monitor minute-by-minute charts instead of tracking broader macro trends.
Rietveld’s post encouraged community members to pay attention to those macro factors and presented them as a potential basis for renewed strength in the cryptocurrency market, especially for XRP.

👉Market reaction and investor commentary
In response to Rietveld’s post, an X user known as KtyKty_uuu expanded on the market-mechanism side of the argument, asserting that inflows from an active spot exchange-traded fund for the asset are already supplying liquidity to the market.]
That commenter argued that continued ETF-driven demand could feasibly push XRP above targeted price levels within a shorter timeframe, and that sustained inflows next year might support further appreciation.
Rietveld’s post largely relays these views without asserting them as certainties. It emphasizes observable policy changes and market mechanics—reduced TGA balances, the cessation of QT, central-bank behavior in China, regulatory adjustments, and prospective rate reductions—as factors that proponents say create an environment favorable to risk-on positioning.
The social-media discussion also highlighted a divergence between macro-driven investors and technical short-term traders, with the former prioritizing policy and liquidity trends.
👉Assessment and implications
Rietveld’s coverage summarizes Pal’s macroeconomic outlook and comments from retail observers who are focused on ETF inflows. It does not claim that these factors guarantee a rapid price increase. Instead, it presents them as the reasoning used by those who believe the demand for crypto could strengthen.
It is worth noting that this view relies on forecasts about the economy, expectations about policy changes, and assumptions about how the market is structured. Each of these carries uncertainty and depends on how conditions evolve and how both institutional and retail participants react.

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$XRP The XRP community woke up to a cryptic message from prominent asset manager 21Shares.
Specifically, in a post on X, 21Shares wrote, “Can you keep a secret?”
However, it didn’t remain a secret for long as members of the community quickly deduced that the hint was related to 21Shares’ widely anticipated spot XRP ETF (TOXR).

Notably, the ETF has now been approved and will begin trading on Monday. With this move, 21Shares becomes the newest major player in the growing XRP ETF market.
👉21Shares’ XRP ETF Is Now Official
21Shares has secured approval for its U.S. spot XRP ETF through a Form 8-A filing dated November 20. The product will list on the Cboe BZX Exchange under the ticker TOXR and will carry a 0.50% management fee. Trading begins Monday, marking the company’s entry as the fifth spot XRP ETF to go live in the United States.
This listing comes just days after new funds from Grayscale and Franklin Templeton debuted. Grayscale’s GXRP attracted $67.36 million on launch day, and subsequent inflows have taken its total assets to $71.68 million.
Meanwhile, Franklin Templeton’s XRPZ brought in $62.59 million on its first day and now has $85.41 million in AUM.
👉XRP ETF Momentum Hits $666 Million Inflows
Existing spot XRP ETFs have already recorded $666 million in net inflows in less than a month, according to SoSoValue. Total net assets have reached $687.81 million, representing roughly 0.52% of XRP’s market cap — all achieved with zero outflow during the entire ten-trading-day period.
The strongest inflow day came on November 14, during Canary Capital’s ETF debut, with $243 million. Another major inflow arrived on November 24, totaling $164.04 million, coinciding with the launch of Grayscale’s and Franklin Templeton’s XRP ETFs.
Most recently, at the close of business on Friday, $22.68 million flowed into XRP ETF products in a single day. So far, XRP ETFs have recorded no outflows throughout the last ten trading days.

This rapid accumulation has quietly reduced the amount of liquid XRP available on exchanges. While the impact on XRP’s price has not yet been visible, there is growing expectation among analysts—including Jake Claver and Chad Steingraber—that a supply shock is looming and could force a repricing.
👉Seven ETFs Incoming?
With 21Shares’ ETF becoming the fifth product to list, the total number could reach seven soon. CoinShares and WisdomTree are next in line to join the U.S. XRP ETF market, although CoinShares temporarily withdrew its filing due to internal structural changes.
Last week, reports noted that 21Shares was gearing up for launch after updating its S-1 form on November 7. Some analysts believed the added “delay language” might slow approval, but the November 20 filing confirmed the ETF was ready.
When trading begins, the fund will launch with seed baskets of 20,000 shares priced at $25 each, totaling $500,000 in initial capital.

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$XRP Amid current and developing market trends, multiple market experts have predicted where the XRP price could reach by 2031.
At press time, XRP trades around $2.23, down over 3% in the past week on the back of a broader market downturn. Despite the recent struggles, several major positive trends continue to influence expectations for where XRP could go over the next six years.
👉Bullish Market Trends
For one, XRP has witnessed the launch of its first spot ETF, the Canary Capital XRP ETF (XRPC), with other funds expected to launch later this month. In addition, firms such as Evernorth, VivoPower, and Trident Digital have announced the establishment of XRP treasuries.
Moreover, the crypto industry has begun welcoming clearer rules in the U.S. and globally, with Ripple seeing a growing list of partnerships and acquisitions. Also, market pundits remain positive about the future prospects of the broader market. These trends have influenced the current discussion around long-term price targets.
👉Gemini Predicts XRP Price by 2031
To assess how much the XRP price could grow by 2031 if these strong market drivers come together, we asked Google Gemini. Notably, Gemini approached the question by weighing the combined effect of these market trends. It then presented several highly optimistic paths.
Interestingly, Gemini suggested that XRP could climb into the $50 to $75 zone if spot ETFs in major markets attract large pools of regulated capital and help push XRP firmly into the group of leading crypto assets. It noted that this level would require XRP to strengthen its role as a practical bridge for cross-border payments.
Gemini also outlined a second possibility where adoption in global payments and corporate treasuries accelerates. In this case, XRP could take a modest share of the massive cross-border and FX markets and support early CBDC interoperability. Under these conditions, Gemini believed XRP could trade somewhere between $100 and $200 by 2031.

Meanwhile, the most bullish scenario involved XRP moving into a position of financial dominance. Gemini described a future where XRP becomes a widely used settlement asset, gains deep traction with banks and corporations, and benefits from strong network effects after global regulatory clarity.
If this materialized, Gemini argued that XRP could rise beyond $500 and potentially approach or exceed $1,000. However, Gemini also emphasized that any major setback, whether regulatory, market-driven, or competitive, could easily prevent these outcomes.
👉Additional XRP Price Predictions for 2031
Notably, other analysts have presented more moderate projections. Specifically, experts at Changelly expect XRP to start 2031 at about $22, rise toward a peak price of $31.46 around mid-year, and potentially finish near $ 37.33.

Meanwhile, in March 2025, market commentator 24HrsCrypto predicted that XRP could sit between roughly $92.59 and $185.19 by 2030, adding that long-term patience could reward investors.
Also, in July, The Crypto Basic called attention to audacious projections from EasyA founders Phil and Dom Kwok, who suggested that XRP could still reach $1,000 by 2030, pointing out that XRP has not yet experienced a major DeFi breakthrough.

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$XRP A popular software engineer is actively working to calm speculation that Google Pay and Apple Pay endorsing XRP, the world’s fourth-largest cryptocurrency.
The speculation began spreading following reports that users across 40 countries could now purchase XRP through major payment gateways such as Apple Pay and Google Pay. Soon after, several XRP community members amplified the news, suggesting it signaled a subtle endorsement from the two payment giants.
👉Not a Big Deal
However, as the rumor gained momentum, community figure and software engineer Vincent Van Code stepped in to clarify the situation. He stressed that the endorsement claims are misleading and arise from a misunderstanding of how crypto purchases through third-party payment processors actually work.

Moreover, he pointed out that the ability to buy XRP with Google Pay or Apple Pay is not a big deal in itself. Instead, it simply means that certain apps or platforms have integrated these payment methods to process standard card transactions, with Vincent citing crypto trading platform Swapped as one example.
The XRP enthusiast even emphasized that these integrations use standard card-processing rails and charge typical card or gateway fees. In other words, users are not buying XRP directly from Apple or Google, and neither company is signaling support for the asset.
Consequently, he suggests that this payment functionality does not amount to Apple or Google endorsing XRP in any official capacity.
In a follow-up commentary, he reiterated that claims of Apple Pay endorsing XRP have been “busted.” Although he noted that an official endorsement from the tech giant would certainly be welcome, he made it clear that the rumors circulating within the community are not true.
👉Similar Support from Uphold
Meanwhile, several crypto trading platforms now allow users to purchase XRP through Google Pay and Apple Pay. In 2023, for example, crypto exchange Uphold announced that its Topper service had integrated both payment gateways, enabling iOS and Android users to buy XRP directly through the interface.
Furthermore, Uphold has expanded this functionality to additional Topper partners and wallet providers, including Xumm, thereby giving their users the same capability to purchase XRP via Apple Pay and Google Pay. As Vincent clarified, these integrations do not constitute an official endorsement of XRP by Google Pay or Apple Pay.

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$XRP Amid the ongoing roadblock to XRP’s latest recovery effort, a prominent market watcher has shared his XRP price targets for the next five months.
Notably, XRP staged an impressive rebound push between Nov. 23 and 24, recording an over 13% gain during this period, as it overcame the $2.2 price region. However, it faced resistance at $2.28 and has since continued to consolidate over the past four days.
Today, XRP has relinquished the $2.2 mark, falling slightly to $2.18 as November draws nearer to a close. Despite the current uncertainty, certain analysts such as Charting Guy insist that XRP is not in a bearish trend. Amid these chants, market commentator Meme Whale has presented his XRP price targets for the next five months.
👉XRP Price Targets for the Next Five Months
In his latest commentary, Meme Whale shared two price targets each for 17 different crypto assets, including XRP. According to him, XRP could reach a price of $5 in the first target, and possibly jump to the $10 mark as the second target. With XRP currently changing hands at $2.18, a rally to the first target would demand a 129% gain, while the second target requires a more substantial 358% rise by April 2026.
Given XRP’s previous performance milestones, achieving a 129% to 358% increase over the next five months appears well within reach, though it remains far from guaranteed. For instance, during the 2021 bull run, XRP rallied from $0.4388 in mid-March to $1.96 in April of that year. This marked a 346% increase within five weeks despite the pressure from the SEC lawsuit at the time.
In a more recent occurrence, XRP delivered a much more impressive performance during the Trump-led market rally. Specifically, XRP soared from $0.5 in November 2024 to a peak of $3.4 in January 2025. This run represented an explosive 580% increase within three months.
Considering this history of strong performance, including the most recent surge just a year ago, XRP has shown its capacity to deliver sharp gains within short periods. Accordingly, a 129% to 358% increase over five months remains plausible.
Meme Whale noted that he believes the first target remains attainable. However, he says there is a possibility that a further rally to the second target could ensue. Nonetheless, investors should recognize that this still does not guarantee such an outcome.

👉Predictions of an XRP Run to $5-$10
Besides Meme Whale, other market watchers have also predicted a possible XRP run to the $5 to $10 range. Last August, Dark Defender, a pseudonymous analyst, suggested that XRP’s ABCDE structure could push prices to $5. More recently, Cryptollica predicted earlier this month that XRP could drop to the $1.95 support before rebounding to $10.
For perspective, if XRP claims the $10 mark, there will be an observable impact on investor holdings. Notably, the XRP Rich List confirms that 734,515 wallets in the top 10% hold at least 2,313 XRP, currently worth a little over $5,000. If XRP soared to $10, these 734,515 wallets would see their balances grow to at least $23,130, representing a minimum gain of over $18,000 each.

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$XRP CoinShares closed a significant chapter today after it terminated its U.S. XRP ETF plans. The company filed a full withdrawal with the SEC, bringing an end to a product that once aimed to enter a rapidly expanding market. The move caught interest because it arrived amid high anticipation for XRP ETF launches.
Diana (@InvestWithD), a well-known crypto analyst, shared the filing and pointed out that CoinShares did not opt for a temporary pause. She noted that the Form RW signaled a final decision rather than a strategic reset.
The filing shows a clear message. CoinShares stated that the transaction it planned “was not effectuated.” It also confirmed that no shares were sold. The company chose to end the entire registration process instead of shifting it to the SEC’s new fast-track path.

👉Market Conditions Behind the Decision
The U.S. ETF market changed swiftly during this cycle. Major firms now dominate the space. Diana pointed to the strength of firms like BlackRock, Bitwise, and Franklin Templeton as a central part of the pressure smaller issuers face.
Their scale makes it difficult for new entrants to compete on cost, liquidity, and marketing reach. While BlackRock has yet to join the XRP ETF race, many market participants expect it to happen. Experts have also revealed that 12 XRP ETFs are ready to launch. CoinShares appears to be adjusting its priorities to avoid competition.
CoinShares also recently sought a major strategic shift through its Nasdaq merger. The company is moving toward a model that focuses on global expansion and diversified revenue streams. A U.S. XRP ETF may no longer fit into that plan.
👉Why This Does Not Harm the XRP Market
This withdrawal does not signal reduced interest in XRP. It instead reflects the current state of competition in the ETF industry. Firms without a deep distribution network face high costs to enter a segment where fee compression limits future returns.
Four of the major funds in the market today pulled in a trading volume of over $85 million on Monday. Institutional interest in XRP is at record levels. The XRP ETF landscape continues to grow despite CoinShares’ decision to leave.
Diana pointed out that 21Shares is preparing to launch its XRP ETF early next week. Market participants expect heavy interest around that debut. Its arrival will keep liquidity flowing into the XRP segment even without CoinShares in the mix.
Large issuers maintain a strong presence in the digital asset ETF arena. Many analysts expect BlackRock to enter the XRP ETF market soon, which would create a major shift in visibility and inflows. The foundation for long-term growth remains in place.

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$XRP A whale just opened a $1.22 million long position on XRP at $2.1991, bringing fresh attention to large-scale crypto positioning as major players continue making moves in the current market.
👉 XRP caught traders' eyes after whale activity data showed a $1.22 million long position opened at $2.1991. The trade appeared at 05:55 in recent activity feeds, standing out among several large transactions across different assets and sparking fresh conversation about positioning around XRP's current price zone.

👉 The data revealed various sizable orders on Bitcoin, Ethereum, Solana, and other coins, but the XRP entry grabbed attention due to its size and timing. Recorded as an Open Long, it signals bullish exposure from a high-value player. While other trades included BTC long and SOL short positions, this XRP long remains one of the most notable moves in the dataset.
👉 Big whale trades often shake up short-term sentiment, particularly when they hit near active trading levels. While the data doesn't guarantee price direction, a $1.22 million long shows concentrated interest in XRP during heightened market volatility. These moves reveal where deep-pocketed traders are placing their bets within current market structure.
👉 This matters because whale positioning shifts liquidity dynamics and trader psychology. When serious capital flows into a specific asset, it becomes a focal point for market watchers tracking sentiment. The $1.22 million XRP long confirms major players remain engaged at these levels, adding another dimension to the ongoing story around crypto capital flows and market momentum.

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$DOGE Dogecoin's monthly chart shows it's still tracking its long-term upward channel, maintaining a consistent multi-year trajectory that traders continue monitoring closely.
👉 Dogecoin kicked off the week drawing fresh attention as its monthly chart displayed a clear long-term trend structure. The price continues moving within a wide rising channel that's been in place for years. Recent analysis shows DOGE staying aligned with this multi-year upward path despite occasional volatility, with the chart illustrating both historical progression and projected future trend behavior.

👉 The chart reveals two distinct phases in Dogecoin's long-term pattern. Earlier cycles appear in brown, marking extended accumulation periods, while the current green section shows DOGE consolidating within its rising channel. Monthly candles sit above long-term support, showing Dogecoin is still respecting its multi-year structure. The projection suggests DOGE hasn't strayed from the broader upward movement seen since previous cycles began, though no specific price targets were mentioned—the focus remains on structural consistency over short-term swings.
👉 This monthly perspective fits with Dogecoin's historical pattern of following extended cycles shaped by major accumulation zones and shifting momentum phases. The chart's consistency reinforces that DOGE continues developing within a predictable framework. Market participants often use these multi-year structures to gauge long-term trend health and potential progression, particularly when short-term action looks uncertain or range-bound.
👉 This long-term structure matters because Dogecoin remains one of crypto's most-watched assets, with its price behavior frequently influencing retail sentiment across the market. When an asset holds a stable multi-year pattern, it shapes expectations around future volatility, cyclical timing, and broader market dynamics. The chart's emphasis on DOGE's durable rising channel shows how structural patterns can offer insight into long-term behavior even when near-term movements appear quiet.

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$ADA A recent analysis by crypto commentator David X Crypto has led many observers to take a closer look at Cardano’s underlying architecture.
While discussions around blockchain technology often focus on market movements or short-term performance, this commentary redirected attention toward the technical foundations that differentiate leading networks.
By outlining how Cardano’s design compares with other major chains, the commentator presented a structured assessment of where the project may stand in the cryptocurrency space.
👉Comparison With Leading Blockchains
In the video attached to the post, David X Crypto began by reviewing the current composition of the top cryptocurrency rankings. He noted that Bitcoin holds the largest position by market capitalization, followed by assets such as USDT and USDC, which are pegged to the U.S. dollar and therefore not treated as traditional investments.
He then shifted focus to the architecture of popular smart contract platforms, highlighting that Ethereum, BNB Chain, and Solana rely on account-based models. This framework differs significantly from the unspent transaction output model, or UTXO, which is used by Bitcoin.
The commentator emphasized that Cardano’s distinctive position comes from combining a fixed supply structure with a UTXO-based design.
By doing so, Cardano adopts characteristics associated with Bitcoin’s predictability and transaction reliability while still operating as a smart contract platform. According to the analysis, these factors separate Cardano from other networks that depend on alternative accounting models.

👉Security and Transaction Predictability
David X Crypto explained that Cardano’s reliance on UTXO contributes to a clear and deterministic approach to transaction processing. This structure is often viewed as beneficial for security because each transaction output is handled independently, reducing ambiguity in network state.
He stated that this model supports stronger guarantees regarding how transactions behave on-chain, a point he contrasted with account-based systems that manage balances differently.
This predictability, combined with a fixed supply of ADA, forms a central theme in the commentator’s explanation of Cardano’s long-term design strengths. He noted that scarcity is an important factor in understanding the asset’s potential future role, especially when evaluated alongside its security framework.
👉Potential Role in Connecting Bitcoin to DeFi
One of the key points in the video was the suggestion that Cardano could function as a bridge for Bitcoin within decentralized finance.
David X Crypto argued that Cardano’s technical structure makes it suitable for enabling Bitcoin holders to interact with smart contracts without compromising the security properties they expect from the Bitcoin ecosystem. This capability, he said, could position Cardano as a useful intermediary for expanding Bitcoin’s utility.
👉Focused Development and Future Outlook
The commentator concluded by acknowledging that every blockchain presents its own set of advantages and trade-offs. However, he noted that Cardano’s blend of UTXO security, controlled supply mechanics, and research-driven upgrades distinguishes it within the sector.
In his view, this combination supports the argument that Cardano is a strong contender for long-term relevance as the industry advances.

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$XRP Many market observers are reassessing their expectations for XRP following new commentary from crypto enthusiast X Finance Bull that focuses on the asset’s rapidly tightening supply conditions.
His post highlighted remarks from financial analyst Jake Claver, whose recent video detailed the pace at which over-the-counter and dark pool reserves of XRP may be diminishing.
The discussion has led many readers to examine the implications of institutional demand, particularly as more exchange-traded products enter the market.

👉OTC Availability Shrinking Rapidly
In the video shared by X Finance Bull, Claver explains that institutional access to XRP has shifted notably since the introduction of spot ETFs. He states that these products are consuming large portions of the available supply through OTC desks and dark pool channels. According to his estimates, the total accessible amount in these private markets ranged from one to two billion XRP before the current surge in activity.
Claver reports that approximately 800 million XRP were absorbed within the first week of ETF demand alone. He notes that this figure represents either half or nearly all of what he believed remained available through OTC and dark pool sources.
Claver stresses that once these reserves are exhausted, institutional buyers will be forced to source XRP from public exchanges, which he argues could have a significant impact on price.
👉Expectations for Additional XRP ETFs
A key point in Claver’s video is his expectation that several of the largest asset managers may soon enter the XRP ETF market. He specifically names BlackRock, Vanguard, and Fidelity as firms he believes could introduce their own spot products.
Claver suggests that if these firms join, the number of XRP ETFs would surpass the total of Bitcoin ETF offerings, a development he believes would place further strain on the limited supply.
He emphasizes that the current wave of purchases does not yet include these major institutions, implying that demand could increase substantially once they participate. Claver argues that the assumption that institutions will indefinitely rely on OTC channels for accumulation is misplaced because the available pool is already approaching depletion.
👉Early Price Signals and Exchange Activity
Claver references recent movements on public exchanges as an indication of what he believes may come next. He notes that XRP briefly recorded a high of $91 on Kraken in the prior week, and he highlights that this instance was registered on the platform.
He contrasts this with past occurrences on other exchanges where extreme price spikes circulated through user-shared videos but did not appear in official trading records. Claver interprets the Kraken event as an early example of how rapidly prices may react when institutional buyers must turn to open markets.
He predicts that once OTC and dark pool supply is exhausted, increased ETF inflows will translate into sharp market adjustments. He reiterates that he expects the developments he has been forecasting for the past 18 months to materialize soon, driven primarily by the structural shift in how institutions access XRP.

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$XRP Crypto commentator KINGVALEX highlighted a notable reduction in XRP held on Binance during October, reporting an approximate 300 million XRP decline in exchange reserves.
The accompanying on-chain chart shows exchange-held balances peaking near three billion XRP at the end of September and then descending to roughly 2.7 billion XRP by late November.
This movement has gotten attention because it reduces the visible, tradable supply on one of the largest exchanges, prompting renewed scrutiny of market depth and liquidity conditions.

👉Meaning: Decline in Binance’s XRP Reserves
Analysts generally view a decline of this scale in Binance’s XRP reserves as an indication that liquidity is being withdrawn from the open market. Movements of this size are typically associated with large holders shifting assets into custody, private wallets, or institutional acquisition rather than smaller retail activity.
When this type of reduction occurs alongside ongoing accumulation trends, it often signals that a smaller pool of tradable tokens remains available on exchanges. If withdrawals maintain the same pace, the accessible supply on major trading platforms can tighten quickly, making the market more sensitive to periods of concentrated buying.
👉ETF inflows amplify the narrative of tightening liquidity
A media analysis summarized how new U.S. ETFs and institutional products have intensified focus on exchange liquidity. Early ETF trading reportedly generated heavy interest in XRP, with issuers acquiring significant amounts from the open market during their first week.
The report cited a one-day absorption of approximately 79 million XRP by ETF vehicles, with a major portion attributed to Franklin Templeton. Those purchases are presented as concrete inflows that remove tradable tokens from exchange order books, strengthening the supply-squeeze thesis.
👉Why a supply shock matters for price dynamics
Analysts described a supply shock as a condition in which demand growth outpaces the available tradable supply, forcing buyers to compete at higher price levels.
When institutional purchases occur off-exchange or via large block buys, depth on centralized exchanges can thin quickly, reducing the capacity for immediate market absorption.
Market participants expect sellers to re-enter when prices become more attractive, which can produce sustained upward pressure on prices if demand remains strong.
👉Forward-looking view
Based on current observable flows and early ETF activity, there is a possibility that continued institutional inflows would further compress visible exchange liquidity and increase the potential for pronounced price moves.
Market participants will likely monitor exchange reserve metrics and ETF flows to assess whether the recent decline in reserve is a temporary reallocation or the beginning of a more persistent supply constraint.

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$XRP Market participants continue to evaluate XRP’s position within its broader cycle, and a new analysis from technical analyst ChartNerd has renewed focus on the asset’s long-term structural outlook.
The analyst presented a detailed wave-based projection supported by an extensive chart that outlines previous accumulation phases, current trading behavior, and a potential final advance.
The update attracted additional remarks from community members seeking clarification on the near-term direction and longer-term valuation expectations.

👉Wave Structure And Current Market Position
ChartNerd’s chart emphasizes XRP’s progression through multiple phases that align with a five-wave technical framework. The image shows the asset completing a prolonged accumulation period leading into a strong vertical movement, followed by a structured consolidation range.
According to the shared chart, XRP is positioned between established support and resistance within what the analyst labels a vertical accumulation region. The setup suggests that the asset remains within its defined range, and the analyst indicates that a final upward movement would complete the projected wave structure.
A significant element of the chart is XRP’s interaction with prior cycle highs from 2021. The analyst highlights that the current support level aligns closely with those historical highs, a point that forms the foundation for the ongoing consolidation.
The graphic further illustrates resistance around the upper boundary of the range and shows a potential breakout path extending toward a substantially higher valuation.
👉Clarifications On Market Direction
One user responding to the post expressed uncertainty about whether XRP is expected to move up or down. ChartNerd replied that direction does not need to be determined prematurely because the asset remains inside the identified trading range.
The analyst reiterated that confirmation is required before anticipating a decisive move and emphasized that neither support nor resistance has been broken. This reinforced the importance of observing the range boundaries rather than attempting to predict a breakout timing without technical confirmation.
👉Long-Term Holder Sentiment
Another community comment reflected a long-term outlook, with the user stating that they do not intend to sell any XRP until it reaches significantly higher valuations, even if such an outcome takes many years.
This perspective aligns with the long-horizon view held by many within the community who interpret the wave structure and multi-year accumulation zones as indicators of broader cyclical potential.
ChartNerd’s analysis presents a structured view of XRP’s current technical position, emphasizing its multi-phase development and ongoing consolidation above key historical levels.
The chart outlines a clear support and resistance framework, suggesting that confirmation remains essential before the next major move can be identified. The discussion surrounding the chart reflects both the need for patience within defined ranges and the persistent long-term expectations held by portions of the XRP community.

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$XRP Digital asset enthusiasts often revisit key moments in a market cycle. A recent post from XRP enthusiast Skipper has done exactly that by presenting a renewed focus on XRP’s price potential heading into early 2025.
His message emphasizes the idea that opportunities previously missed may now be returning. He reinforces this with a specific price target and date.
The tweet captioned a short video, which illustrates a projected rise in XRP’s price and marks February 22 as a significant point on the chart.

👉Skipper’s projection and the video visuals
The video displays a hand-drawn price path for XRP, noting earlier highs around the $3.40 and $3.65 regions and a marked low near $1.60 identified with the date December 21, 2025.
The visual emphasizes the current price area around $2.13, drawing attention to $10 target with the date February 22 written next to it. His accompanying statement reinforces that investors have been notified in the past and that he believes the window for action is opening once again.
The core message is straightforward: Skipper expects XRP to reach $10, and he ties this expectation to the late-February date showcased in the video.
👉Community questions about the basis for the $10 target
Among the responses, an X user named tommotom73 asked for clarification on what specific developments Skipper believes could support a move to $10 by February 22.
The user mentioned several possible factors, including a supply shock, the Clarity Act, or ETF trading volume achieving a threshold significant enough to generate a strong upward price movement.
The question also raised the possibility that a combination of these elements might align around that time to produce the outcome highlighted in Skipper’s projection.
👉ETF progress and additional commentary from the community
Another community member, Jake Smith, provided a detailed update on the regulatory progression of the 21Shares Core XRP ETF, listed under the ticker TOXR. He stated that as of November 26, 2025, the ETF had received full regulatory clearance through its effective S-1 registration and Form 8-A filing with the SEC.
According to his comment, this positions the product for its trading debut on the Cboe BZX Exchange on November 29. He noted a roughly 2% price increase for XRP in the last 24 hours, bringing it to approximately $2.15, and stated that trading volume rose by 35% as anticipation grew around the ETF launch.
He added that amendments on November 7 and the Form 8-A on November 20 achieved automatic effectiveness without objection from the SEC.
Skipper’s post, supported by the illustrated price path in the video, presents a direct projection that XRP could reach $10 by February 22.
The community responses explore what developments could justify that move, while others highlight real-time regulatory progress surrounding the TOXR ETF. Together, these elements set the context for the renewed attention surrounding XRP as investors look forward to the coming months.

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$XRP What could the XRP price for the bear, base, and bull cases be if Michael Saylor’s ambitious Bitcoin price prediction for 2045 materializes?
As the Bitcoin (BTC) market progresses, multiple predictions have sprung up over the past year, with most of them projecting rallies to greater heights for the premier crypto asset.
👉Saylor Predicts Bitcoin Price for 2045
Strategy Chairman and Bitcoin evangelist Michael Saylor is one of the individuals extremely bullish on Bitcoin’s future, often presenting audacious predictions whenever he gets the chance. Notably, in one of his projections from last year, Saylor set up bear, base, and bull cases for Bitcoin price by 2045.

At the time of his prediction, in July 2024, BTC traded for just $65,000, still below the $100K milestone. Interestingly, even the bear case suggests Bitcoin could see an impressive price surge over the next twenty years, confirming Saylor’s ultra-positive disposition toward Bitcoin.
Specifically, the Bitcoin permabull predicted that for its bear case, BTC price could soar to $3 million. This price, which would push Bitcoin’s market cap to $68 trillion, represents a 2,531% increase from the current price of around $114,000.
Meanwhile, Saylor projected that for the base case, Bitcoin price could reach $13 million by 2045, representing an 11,303% increase from current prices. However, the bull case sets a Bitcoin price of $49 million for 2045, an audacious 42,882% increase from the current position.
👉XRP Bear, Base, and Bull Cases
Notably, most investors across crypto circles always find these predictions bullish for their respective assets, even if they don’t hold Bitcoin themselves. This is largely due to the close price correlation that Bitcoin has with the rest of the crypto market. Such price correlation often translates to price surges for altcoins whenever Bitcoin grows.
One altcoin that could benefit tremendously from such growth is XRP. CoinMarketCap data shows that over the past month, XRP and Bitcoin have moved alongside each other with a few deviations recorded within this timeframe. This correlation indicates that XRP could soar in a similar fashion when Bitcoin reaches higher levels by 2045.
A comparative assessment of XRP’s price action confirms this suggestion. Specifically, in Saylor’s bear case, Bitcoin is expected to rise 2,531% from the current level. If XRP follows this trajectory, its price would increase from $2.83 today to $74.46 by 2045.
Further, for the base case, Saylor predicts Bitcoin to spike 11,303% from its current price. Should XRP observe a comparative price increase, its price would finally surpass the $100 milestone, rising to $322.7. Meanwhile, if XRP follows Bitcoin’s path for the bull price prediction of 42,882% rise, its price will surpass the $1,000 mark to reach $1,216 by 2045.
Interestingly, analysts at Changelly believe XRP is capable of crossing the $1,000 region five years earlier. These market watchers expect the altcoin to hit a $1,000 price by June 2040 and then soar to the $1,200 level two months later, by August 2040. They expect XRP to reach a maximum price of $1,928 in December 2040.

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$XRP As interest grows in XRP real use in global finance, many holders are starting to ask what widespread banking adoption could mean for its future price.
Ripple continues to build out its technology and expand worldwide, making the idea of XRP serving as a global payment-settlement asset more realistic.
For many retail investors, 5,000 XRP is a common benchmark which is worth about $10,900 at today’s price of $2.18. But how much could it be worth if banks around the world began using XRP for cross-border payments?
Below is a simplified look at three major models that estimate XRP’s potential value.
👉Scenario 1: Market Capture Model — XRP at $83
In one of the most optimistic models, XRP is assumed to handle 10% of SWIFT’s $150 trillion annual transaction volume.
Such a system would require about $5 trillion worth of XRP in circulation. Dividing that across roughly 60 billion tokens yields a price of about $83.33 per XRP.
At that valuation, 5,000 XRP would be worth approximately $416,650, a massive jump from today’s $10,900. This model depicts a world in which XRP becomes a significant liquidity source for global banking flows.
👉Scenario 2: Total Cross-Border Payments Model — XRP at $33
This scenario expands beyond SWIFT and includes the entire cross-border payments industry — remittances, business transfers, settlement flows, and consumer transactions — estimated at $200 trillion annually.
If XRP processed only 5% of that market, the network would require around $2 trillion in XRP liquidity, placing XRP’s price at about $33.33.
Under this model, 5,000 XRP would be valued at $166,650, representing a dramatic increase over the current portfolio value.
👉Scenario 3: Liquidity Reserve Model — XRP at $8
A more conservative model calculates price based on banks holding XRP as part of their liquidity reserve structure rather than transaction flow.
If 1,000 major banks each held $500 million in XRP, the combined liquidity pool would total $500 billion. Spread across the circulating supply, this places XRP near $8.33. Here, 5,000 XRP would be worth about $41,650, still nearly four times today’s value.
👉What Ultimately Shapes These Valuations?
The key variable across all scenarios is XRP’s velocity, which is the frequency with which the same tokens can be reused within the system.
Higher velocity reduces the amount of XRP locked in liquidity, lowering price pressure.
Lower velocity increases system demand for locked XRP, raising price pressure.
Depending on how deeply XRP integrates into institutional settlement frameworks and how its velocity evolves, ChatGPT suggests a potential range between $8 and $80+ per XRP under heavy utility-driven adoption.
For a holder of 5,000 XRP, that translates to a future value anywhere from $41,000 to over $400,000, depending on the scenario.

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