Macro conditions also look supportive. The Federal Reserve began cutting rates in late 2025, and markets expect more easing in 2026. Lower yields push capital into risk assets, including crypto. If these conditions persist, the idea of AI XRP prediction models assuming $10 billion in ETF inflows by late 2026 suddenly looks possible.However, there are reasons to think inflows could accelerate. By late 2025, more than a dozen asset managers have filed for spot XRP ETFs, suggesting a competitive race for marke ...

Core Insights - Ripple (CRYPTO: XRP) has processed a total of $95 billion in payments, but the correlation between price and adoption has weakened in 2025 [1][2] Group 1: Adoption and Market Dynamics - The XRP investment thesis was primarily based on adoption, with expectations that increased bank participation in RippleNet would lead to higher XRP prices [2] - Despite over 4 billion XRP Ledger transactions and more than 300 banking partners, XRP's price did not see a meaningful increase [2][4] Group 2: Ripple's Strategic Positioning - Ripple Labs has shifted from being a software provider to a regulated financial institution, securing approval to operate Ripple National Trust Bank and raising approximately $500 million at a valuation near $40 billion [4] - The focus of banks on Ripple's licenses and compliance tools has not translated into increased XRP prices, indicating a disconnect between Ripple's growth and XRP's market performance [4][5] Group 3: Cost Efficiency and Market Adoption - RippleNet partners utilize XRP not for speculation but for its efficiency in reducing costs and speeding up settlement times, with cross-border payments settling in minutes and avoiding high SWIFT fees [5][6] - The importance of XRP's price is diminished for banks, as their primary concern is lowering operating costs and reducing counterparty risk [6] Group 4: Competitive Moat and Switching Costs - The integration of 300 banks into RippleNet creates significant switching costs, making it difficult for them to migrate to competitors like SWIFT or Stellar [7][9] - Ripple's structural advantage in 2025 was not merely an increase in XRP's price but the establishment of barriers that complicate banks' exit from the network [9]

If this pace continues, XRP could process $6-7 billion annually by late 2026. Value investors see this trajectory as justification for re-rating from $2 toward $5 or higher, especially as more corridors come online.Here's the argument: if XRP processed $1.3 billion in just one quarter, that's over $5 billion annually. For comparison, payment processors like PayPal have market caps 10-20x their annual transaction volume. Q2 2025 transactions of $1.3 billion represent 41% year-over-year growth.Investors often ...

Key Points XRP gained 294% in November and December 2024, but it's down 8% year-to-date in 2025. Some catalysts arrived, but prices kept falling. A steep price drop isn't always a discount; sometimes it's just the market correcting a speculative overshoot. 10 stocks we like better than XRP › XRP (CRYPTO: XRP) jumped sky-high at the end of 2024, gaining a heart-stopping 294% across November and December. XRP enthusiasts and investors expected smooth sailing after the new Trump administration ended ...

Key Points Cryptocurrency returns have handily outpaced the benchmark S&P 500 over the last decade. The end of litigation with the U.S. government and the approval of spot XRP ETFs highlight some of the catalysts that have fueled XRP's outperformance this year. However, XRP's adoption rate and utility are unlikely to support its parabolic climb. 10 stocks we like better than XRP › For more than a century, no asset class has held a candle to the average annual return delivered by stocks. But when ...

Core Insights - XRP's adoption appears strong with Ripple collaborating with over 300 banks and expanding its payment network, while regulatory conditions have improved significantly [1][2][5] - Despite the growth of RippleNet, XRP's transaction volume is declining, raising questions about the token's usage in the expanding network [2][3][6] Group 1: XRP Adoption and Market Activity - XRP's transaction volume has been decreasing even as RippleNet expands to over 300 banking partners, indicating a disconnect between network growth and token usage [3][7] - Banks utilizing RippleNet's infrastructure do not necessarily require XRP for settlement, as the token remains optional, leading to reduced on-chain activity [7][8] - The launch of three XRP ETFs in November, including those from Canary Capital, Franklin Templeton, and Grayscale, did not result in an increase in on-chain activity despite strong initial inflows [2][5] Group 2: Market Trends and Price Movements - XRP experienced a significant price surge in July, reaching $3.57, driven by trader optimism ahead of ETF launches, but subsequently fell to the mid-$2 range due to whale selling [4][5] - The three major XRP ETF launches in November saw record first-day volumes, yet XRP's price remained stable between $2.00 and $2.40, indicating a lack of immediate demand despite positive headlines [5][6]

Key Points Stablecoins have exploded in popularity and could become a multitrillion-dollar market, according to Citi Group. Ripple's stablecoin push could actually undermine XRP's value. In contrast, Ethereum stands to gain from stablecoin adoption. 10 stocks we like better than XRP › XRP (CRYPTO: XRP) has a lot of momentum behind it, gaining more than 340% from the Nov. 2024 elections to Nov. 25, 2025. That's more than 15 times the growth Ethereum (CRYPTO: ETH) investors saw. But past performanc ...

Key Points XRP has soared nearly 400% in recent months but remains overvalued compared to traditional payment companies like PayPal and American Express. Despite processing $57.7 billion in quarterly payment volume, RippleNet generates far less revenue than PayPal, for example. At $2.20 or even $2.50, XRP still trades at speculative heights that ignore significant market risks and fundamental weaknesses. 10 stocks we like better than XRP › XRP (CRYPTO: XRP) has been soaring over the last year. The ...

Core Viewpoint - XRP has surged over 400% this year, with potential for continued growth due to the lifting of regulatory concerns surrounding Ripple, the token's creator, and its pursuit of a national bank charter [2][9] Group 1: Market Dynamics - The bullish narrative for XRP is primarily based on the assumption that increased banking adoption of Ripple's technology will drive demand for the token [3] - RippleNet operates effectively without requiring banks to utilize XRP, and while On-Demand Liquidity (ODL) does use XRP, it remains a niche solution for liquidity-constrained institutions [4] Group 2: Competitive Threats - Ripple's recent acquisition of a stablecoin payment firm for $200 million suggests a strategic shift towards stablecoins, which could diminish XRP's demand as RLUSD may become the preferred bridge asset in ODL transactions [5][9] Group 3: Investment Considerations - Despite short-term momentum from Ripple's national bank charter pursuit, long-term fundamentals for XRP appear uncertain, leading to a recommendation for investors to consider alternative investment opportunities [6][9]

Group 1 - XRP has surged over 370% since last October, driven by hopes for regulatory clarity and mass banking adoption, but long-term value is expected to be lower than investor expectations [1][8] - Banks can utilize RippleNet without needing XRP, which undermines the bullish thesis that XRP's price will rise with bank adoption of Ripple's technology [2][3] - Ripple's flagship product, RippleNet, offers speed and cost savings without requiring banks to use XRP, limiting the demand for XRP primarily to smaller institutions [3] Group 2 - Ripple's stablecoin, RLUSD, could potentially replace XRP as the bridge asset in cross-border transactions, which may negatively impact XRP's demand [5] - In a decade, XRP is anticipated to serve as a cautionary tale regarding the misalignment between a company's success and its token's value, with expected returns lagging behind the market [6] - Despite recent gains following the SEC dropping its lawsuit against Ripple, the growth in adoption of Ripple's products may not translate into the anticipated growth for XRP [8]