Core Viewpoint - Standard Chartered has significantly reduced its end-of-year price target for XRP by 65%, revising it from $8 to $2.80 due to the recent downturn in the crypto market [1] Market Performance - The digital asset market has faced severe challenges, with Bitcoin experiencing a 28% decline over the past month, reaching a low of $60,000 before a slight recovery [2] - XRP has also struggled, briefly dropping to $1.16, its lowest price in 15 months, and is currently down approximately 28% over the last month [3] XRP's Recent Trends - XRP started 2026 positively, with a 25% increase in the first week, driven by ETF inflows and favorable regulatory conditions [4] - The total amount locked in XRP ETFs peaked at $1.6 billion but has since decreased by 40% to just over $1 billion as of February 13 [4] Broader Crypto Forecasts - Standard Chartered has also revised its year-end targets for other cryptocurrencies: Bitcoin from $150,000 to $100,000, Ethereum from $7,000 to $4,000, and Solana from $250 to $135 [5] - The bank anticipates that XRP will perform similarly to Ethereum, benefiting from the development of stablecoins and tokenized real-world assets [5] Legislative Developments - A potential catalyst for XRP's price recovery is the Clarity Act, a significant crypto market bill currently under consideration in the US Senate [6] - US Treasury Secretary Scott Bessent indicated that the passage of the Clarity Act could aid in the recovery of the crypto market [6] - Progress on the Clarity Act had stalled due to disagreements among banking leaders and crypto executives, but recent discussions have been described as productive [7]

Core Insights - Goldman Sachs disclosed approximately $2.36 billion in crypto exposure in its Q4 2025 13F filing, representing about 0.33% of its total portfolio and a 15% increase quarter-over-quarter [1][5]. Crypto Exposure Structure - The firm's crypto exposure is entirely indirect, holding spot exchange-traded funds (ETFs) tied to assets like Bitcoin, Ethereum, XRP, and Solana, rather than directly holding the tokens [2][3]. - This ETF-only strategy provides regulatory clarity and operational simplicity for the bank [8]. Breakdown of Holdings - Bitcoin: Between $1.06 billion and $1.1 billion in spot Bitcoin ETFs [4]. - Ethereum: Over $1 billion in spot Ethereum ETFs [4]. - XRP: Between $152 million and $153 million in XRP ETFs [4]. - Solana: $108 million to $109 million in Solana ETFs, representing a new position initiated in Q4 2025 [4][7]. Changes in Holdings - Bitcoin and Ethereum remain core allocations, with a reduction of approximately 39-40% in Bitcoin and 27% in Ethereum during Q4 [6][7]. - New allocations were initiated for XRP and Solana ETFs, indicating a tactical expansion into assets associated with payments infrastructure and high-throughput blockchain applications [7]. Institutional Commitment - Despite trimming its largest positions in Bitcoin and Ethereum, Goldman Sachs' overall crypto allocation increased quarter-over-quarter, signaling continued institutional commitment to regulated investment products [5][7].

Ripple's stablecoin, RLUSD, now exceeds $1.3 billion in market cap and continues gaining traction as a bridge asset for international payments. Kendrick believes Fortune 500 companies settling invoices through RLUSD on the XRP Ledger could significantly boost demand for XRP as a liquidity source, which could influence the XRP price positively.Recent weeks have seen modest outflows, including $53 million on January 30, but the overall trend remains net positive with cumulative inflows still above $1.3 billio ...

Core Viewpoint - XRP experienced a significant price rally to $3.65 in July 2025, driven by optimism surrounding the SEC lawsuit and renewed retail interest, but has since fallen to around $1.90, approximately 50% below its peak [1][6]. Group 1: Market Sentiment and Predictions - Standard Chartered set a target of $8 for XRP, with Ripple's CEO, Brad Garlinghouse, noting a "massive sea change" in Wall Street's interest that has not yet been reflected in crypto markets [2]. - Garlinghouse emphasized that regulatory progress, particularly with the GENIUS Act and the upcoming CLARITY Act, is crucial for Ripple's long-term outlook, rather than short-term price fluctuations [3]. - Despite Garlinghouse's bullish outlook for the broader crypto market to reach all-time highs in 2026, XRP's price has not followed suit due to various market dynamics [4][7]. Group 2: Factors Affecting XRP Price - Post-lawsuit profit-taking has led to increased selling pressure, as many early investors sold their holdings after the SEC settlement, contributing to a supply overhang [11][8]. - Capital rotation towards Bitcoin and Ethereum has left payment tokens like XRP behind, as speculative interest has shifted to other narratives such as DeFi and AI [13]. - ETF inflows for XRP have been below expectations, with only $1.3 billion attracted since November 2025, which is significantly lower compared to Bitcoin and Ethereum products [14][15]. - Macro conditions, including high interest rates, have suppressed risk appetite, leading investors to favor yield-bearing assets over payment-focused tokens like XRP [16]. Group 3: Price Outlook Scenarios - The bullish case for XRP suggests a potential rally to $3.50-$5.00 if ETF inflows exceed $3 billion and the CLARITY Act is passed, alongside increased institutional adoption [22]. - The base case predicts stabilization between $2.50 and $3.50 with moderate ETF inflows and gradual regulatory improvements [23]. - The bearish case indicates a potential decline to $1.50-$2.00 if ETF outflows continue and macroeconomic headwinds persist, with weak network activity further suppressing momentum [25]. Group 4: Current Market Dynamics - XRP remains approximately 50% below its July 2025 cycle high due to profit-taking, capital rotation, and unmet ETF demand, despite Wall Street's optimistic target of $8 by year-end [26]. - For XRP to recover, it requires significant ETF inflows, the passing of the CLARITY Act, and improved macro conditions, otherwise, it is likely to consolidate between $1.50 and $2.50 [27].

I remember when the U.S. Securities and Exchange Commission (SEC) vs. Ripple Labs lawsuit finally ended in August last year. It was in December 2020 that the regulator sued Ripple for offering security via the sale of XRP. Ripple argued XRP is a digital currency, not a security. In July 2023, District Judge Analisa Torres ruled that Ripple’s programmatic sales of XRP on crypto exchanges didn't constitute securities transactions but the sale of XRP to institutional players violated securities laws. The ...

Core Insights - XRP is positioned for potential price appreciation in 2026, supported by the launch of spot exchange-traded funds (ETFs), a new stablecoin, and expanding tokenization capabilities on its ledger [1] - The performance of XRP will depend on sustained regulatory clarity in the US and strong investor demand for XRP-linked products [1] Group 1: XRP ETFs and Market Demand - A report by 21Shares predicts a 30% chance of XRP reaching $2.69 in 2026, contingent on successful milestones achieved in 2025 [2] - Following the conclusion of SEC litigation in August 2025, XRP reopened to US-based institutions, leading to SEC approval for US XRP spot ETFs [3] - XRP ETFs amassed over $1.3 billion in assets under management within a month of launch, fundamentally changing the asset's demand profile [4] Group 2: Record Inflows and Growth Catalysts - XRP ETFs set a world record for the largest consecutive period of net inflows across all asset classes, with over 50 days of consecutive net inflows [5] - Other product launches alongside the ETF have acted as catalysts for growth in XRP [5] Group 3: Future of Tokenized Finance - By 2030, global finance is expected to operate on hybrid rails combining tokenized bank deposits, regulated fiat-backed stablecoins, and interoperable settlement layers [6] - The XRP Ledger (XRPL) is positioned as a neutral settlement layer that bridges liquidity, speed, and compliance in a tokenizing global financial system [6] - Recent network activity has focused on programmable infrastructure, enabling institutions to manage complex real-world assets [7] - The performance of XRP's stablecoin, RLUSD, as a liquidity vehicle supports the view that XRP has further upside potential with continued adoption [7]

Blockchain analytics firm Glassnode warned on Monday that XRP’s on-chain market structure mirrors the exact cost-basis configuration observed before a 60% price collapse in 2022. XRP is trading at $1.91, down 4.74% in the past 24 hours. Source: TradingView The signal centers on the holder’s cost basis. Wallets active in the 1-week to 1-month window are now accumulating below the realized price of the 6-month to 12-month cohort. Newer buyers hold at cheaper entry points while mid-term holders sit underwa ...

Core Insights - Bitcoin ETFs and other crypto exchange-traded products experienced inflows of $2.17 billion for the week ending January 16, marking the largest weekly total since October 2025 [1] - A negative sentiment shift late in the week led to $378 million in outflows on Friday, influenced by geopolitical tensions and uncertainty regarding the Federal Reserve [2] Inflows by Product - Bitcoin investment products led the market with total inflows of $1.55 billion, dominating trading activity despite a late-week downturn [3] - Ethereum ETFs recorded inflows of $496 million, unaffected by legislative proposals that could restrict yield offerings for stablecoins [4] - Solana ETFs attracted $45.5 million in positive flows, while XRP ETFs saw significant interest with $69.5 million in inflows [4] Geographic Contributions - U.S. investors were the primary drivers of bitcoin ETF and crypto ETF activity, contributing $2.05 billion in inflows [5] - European markets also played a role, with Germany adding $63.9 million and Switzerland seeing $41.6 million in positive flows [5] - Canada followed with $12.3 million in inflows, while minor outflows were noted in Sweden and Brazil [5] Blockchain Equity ETFs - Blockchain equity ETFs attracted $72.6 million, the highest weekly total since October 10, 2025, reflecting sustained investor confidence in blockchain infrastructure companies [6]

Core Viewpoint - XRP has experienced a significant decline of 28% over the last six months, but it holds potential for substantial returns by the end of the decade due to its role in the global payments market and the recent approval of XRP ETFs [1][4][5]. Group 1: Global Payments Market - Ripple launched XRP as a bridge currency for its payments network, allowing banks to send international payments by converting local currencies into XRP, which can then be converted back to local currencies by recipients [3]. - The international payments market was valued at $190 trillion in 2023 and is projected to grow to $290 trillion by 2030, presenting a massive opportunity for XRP if it gains traction as an alternative to SWIFT [4]. - XRP transactions settle in three to five seconds with a minimal fee of $0.0002, offering speed and cost advantages that could drive demand among financial institutions [4]. Group 2: XRP ETFs - The SEC approved the first spot XRP ETFs in November, which has led to strong inflows, with XRP becoming the second-fastest cryptocurrency to reach $1 billion in ETF holdings [5]. - As of the current date, XRP ETFs have $1.7 billion in assets under management (AUM), indicating growing investor interest [5]. - The availability of XRP ETFs provides a regulated investment avenue for institutional investors and allows individuals to invest through brokerage accounts, including tax-advantaged retirement accounts [6].

Core Insights - XRP is currently trading near $2.10, with recent spot exchange-traded funds (ETFs) surpassing $1.37 billion in total inflows [1][3] - The recent 35-day streak of net inflows for XRP ETFs ended on January 7, with a single-day outflow of approximately $40.8 million [2] - Institutional interest in XRP appears to be increasing, as indicated by futures positioning and ETF flows, despite a flat chart appearance [2] Market Activity - Total inflows for XRP since the launch of ETFs are approximately $1.37 billion, with around $483 million added in December [3] - XRP futures open interest is around $4.08 billion, making it one of the largest markets outside of Bitcoin and Ethereum [3] - Approximately $5.75 billion was traded through XRP futures in the past day, indicating active but calm derivatives markets [3] Price Action - XRP is consolidating above a long-term support level, having broken out of a multi-year wedge earlier [4][5] - The price has shown a series of lower highs since peaking above $3.00, but remains above the previous breakout zone, suggesting consolidation rather than a full trend breakdown [5] - Recent weekly candles indicate reduced volatility and smaller ranges, which may signal fading selling pressure [5] Technical Outlook - As long as XRP holds above the $2.00 support level, the broader uptrend that began in early 2024 remains intact [6] - A break below $2.00 could weaken the bullish outlook, while a move back toward $3.00 would indicate fresh momentum [6]