The post Analyst Reveals Whether XRP Price Could Ever Fall Back to $1 appeared first on Coinpedia Fintech News

XRP price has struggled to move higher even as XRP exchange traded funds continue to see strong interest. This has confused many investors, especially with growing headlines around institutional demand and ETF inflows.

On Paul Barron Podcast, analyst Zach Rector said the lack of price movement is frustrating but not surprising. According to him, the market is going through a “sell-the-news” phase that often follows major ETF launches.

Why ETF Inflows Have Not Boosted XRP Price Yet

Rector explained that ETF demand has not directly pushed XRP’s public market price higher because most ETF purchases are happening over the counter, not on public exchanges.

“In November, about $803 million flowed into XRP ETFs,” Rector said. “At the same time, around $808 million worth of XRP was sold on centralized exchanges.”

Because XRP’s market price is set on public exchanges, selling pressure there has canceled out the ETF demand happening privately.

Exchange Outflows Offset ETF Buying

Rector said nearly $808 million left centralized exchanges in November as investors sold XRP for dollars or stablecoins. This selling pressure kept prices down even as ETF interest increased.

“When ETF inflows move onto exchanges, that’s when things change,” he said. “That’s when buying becomes aggressive.”

Market Cap Data Shows Strong Upside Potential

Rector pointed to past market data to explain why XRP can still move quickly when sentiment turns positive.

In November 2024, XRP’s market cap expanded by nearly $100 billion in one month due to strong inflows. In contrast, November 2025 saw a $41 billion drop in market cap due to exchange outflows.

“This shows how fast XRP can move when buyers step in,” Rector said.

Analyst Says $1 XRP Is Highly Unlikely

When asked directly whether XRP could ever fall back to $1, Rector was clear.

“Not a chance,” he said. “It would take a massive black swan event.”

He added that the market now has deep liquidity, strong passive buying, and many long-term holders waiting to buy on dips.

Strong Buying Interest Below $2

Rector said large buy orders are already stacked near current support levels.

“I have a buy order at $1.91,” he said. “If we break $1.90, we could retest $1.80, but below that is very hard.”

He pointed out that XRP has been setting higher lows all year, with key levels around $1.60 in April, $1.77 in October, and $1.81 in November.

The post Bitcoin Price Prediction: Why BTC Could Stay Range-Bound Into January 2026 appeared first on Coinpedia Fintech News

Bitcoin price continues to move sideways after a quiet weekend, showing little momentum in either direction. Saturday saw very low activity, and early Sunday trading has not brought any major change.

For now, Bitcoin has slipped below the important $90k level after dropping more than 1% in the last 24 hours.

Support and Resistance Levels

Bitcoin is currently supported between $78,960 and $83,130, a zone that has held during recent pullbacks. On the upside, resistance remains between $92,588 and $101,570, which marks the upper boundary of the current range.

This range is based on the recent swing low formed on Friday, November 21, and the high reached earlier this week. Price action remains trapped between these levels, suggesting consolidation rather than a breakout.

Sideways Movement May Continue Into January

Market conditions hint Bitcoin may remain range-bound through the end of December and possibly into early January. Trading activity often slows during the final days of the year, and the first week of January is usually quiet as well.

While some investors are hoping for a year-end rally, current price action does not yet show the strength needed for a sustained breakout. Any move higher is expected to take time rather than happen suddenly.

Upside Still Possible, But Momentum Is Weak

Bitcoin could still attempt another push toward higher resistance levels between $96,730 and $101,570, but such a move may take one to two weeks to develop.

At the moment, there is no strong momentum signal or sharp buying pressure. The market lacks the kind of decisive move that usually leads to a clear trend change.

Downside Risk Still Exists for Early 2026

If Bitcoin fails to break higher in the coming weeks, a deeper pullback early next year remains possible. Current price declines have been gradual and corrective rather than aggressive, which keeps the market in a holding pattern.

A move below $86,000 would increase the chance that the current consolidation phase has already ended. However, even that would still fall within a broader sideways structure rather than signal panic selling.

Short-Term Levels to Watch Closely

In the near term, Bitcoin continues to respect a trend line that has acted as support multiple times. 

On the upside, a clear break above $93,550 would mean that buyers are regaining control and that a fresh move higher may be starting.

Overall, Bitcoin’s current behavior reflects a calm and patient market. Instead of sharp spikes, price action is showing controlled movement within defined levels.

The post Here’s What Could Happen if XRP ETFs Reach $10 Billion appeared first on Coinpedia Fintech News

Interest in XRP exchange traded funds is growing quickly after another product received approval. Cboe has approved a 21Shares XRP ETF under the XR ticker, adding to the list of funds offering exposure to the token.

The pace of inflows has surprised even industry leaders. Ripple CEO Brad Garlinghouse recently celebrated that XRP ETFs crossed $1 billion in assets in about 17 days, a much faster start than many expected.

Market analysts say this trend could accelerate.

$10 Billion Target Within a Year

Crypto analyst Mickle said that if current inflow rates continue, XRP ETFs could hold as much as $10 billion worth of XRP within a year.

He said ETFs are removing friction for investors who previously avoided crypto exchanges. Many investors did not buy XRP earlier simply because access was complicated or outside their compliance rules.

ETFs change that by allowing investors to buy XRP exposure through regular brokerage accounts. Mickle said XRP today is very different from what early investors bought years ago.

“The XRP I bought in 2016 or 2017 is not the same XRP we have today,” he said. “The network keeps getting more powerful. New features are being added, and from an investment point of view, that matters.” He added that many investors overlook Ripple’s original vision for the XRP Ledger.

“If you go back and watch interviews with Chris Larsen from as early as 2013, he was already talking about issuing assets on the ledger and using XRP as liquidity,” Mickle said. “That idea has been there from the start.”

New Liquidity Pipeline for XRP

The analyst described XRP ETFs as a new liquidity pipeline rather than a short term trade. This steady institutional demand could reduce reliance on retail trading cycles and add depth to the XRP market.

Over time, that demand may support price stability and higher trading volumes. As these markets develop, Mickle said the role of the XRP Ledger is likely to expand.

“You’re going to see more infrastructure move onto the XRP Ledger,” he said. “That positions XRP as underlying liquidity across different financial uses, not just money moving back and forth.”

Institutions Drive the Next Phase

Institutions have strong incentives to promote ETF products because they fit within compliance, marketing, and advisory frameworks.

This makes XRP ETFs easier to recommend and distribute than direct crypto holdings. Analysts see this as a major positive catalyst for long term adoption.

Market Cycles Are Changing

Recent price swings following U.S. rate cuts show that crypto still reacts to macro news. However, the analyst argues the market is moving away from strict four year boom and bust cycles.

Instead, performance is becoming more driven by fundamentals such as regulation, infrastructure, and institutional use cases.

XRP has already outperformed many altcoins over the past 18 months, suggesting capital is becoming more selective.

The post Why is Crypto Going Down Today? appeared first on Coinpedia Fintech News

The crypto market turned red today as the majority of tokens recorded almost no gains over the past 24 hours. Sentiment weakened sharply after Bitcoin fell $2,000 in just 35 minutes, wiping out $40 billion from its market cap. More than $132 million in long positions were liquidated within an hour as volatility returned to the market.

Bitcoin Leads the Market Decline

Bitcoin traded near $90,349, down 0.41% on the day, with its weekly performance slipping 1.82%. Trading activity remained high, with over $78 billion in 24-hour volume.

Ethereum followed the same trend, trading at $3,088, down 03% in the past day. Most top altcoins showed the same weak tone, including BNB at $878, XRP at $1.99, and Solana at $133. 

Why Markets Are Dropping

The sharp sell-off appears to be linked to expectations around the Bank of Japan’s upcoming rate decision on December 19. The market is pricing in a potential rate hike next week and more in 2026. Historically, Japanese rate increases have put pressure on global risk assets, including crypto.

Market makers use the negative news like the BOJ rate hike as a fuel and cover to do their manipulation.

Just like on Oct. 10th when Trump tweeted about tariffs on China, the market crashed and wiped out $19 billion in leverage positions in 24 hrs.

Now we all know that was a… https://t.co/wKVKqAyYIN

— Ash Crypto (@AshCrypto) December 12, 2025

The Federal Reserve recently delivered one of its most supportive updates in years, signaling three rate cuts in 2025, confirming that quantitative tightening has ended, and noting that inflation is cooling. Despite this, crypto remains under pressure while stocks, gold, and silver continue to rise.

Emotion Driving the Market

Analysts like Ash Crypto say the current price movements appear to be driven more by fear and uncertainty than fundamentals. The sudden swings have created frustration among retail traders, while larger institutional players continue to accumulate quietly during downturns.

Many expect volatility to persist ahead of next week’s Bank of Japan decision, which could set the tone for crypto markets for the rest of the month.

The post Big Breaking: Ripple Wins Conditional OCC Approval to Launch Its Own US National Trust Bank appeared first on Coinpedia Fintech News

Ripple CEO Brad Garlinghouse announced on X that the company has received conditional approval from the US Office of the Comptroller of the Currency (OCC) to charter Ripple National Trust Bank. This marks an important step for Ripple as it works to bring its stablecoin, RLUSD, under both federal oversight (OCC) and state oversight (New York Department of Financial Services).

Garlinghouse said the approval shows that Ripple is willing to operate under the same strict rules as traditional financial institutions. He also criticized banking lobbyists who have argued that crypto companies avoid regulation. “What are you so afraid of?” he wrote, adding that Ripple is prioritizing compliance, trust, and innovation.

HUGE news! @Ripple just received conditional approval from the @USOCC to charter Ripple National Trust Bank. This is a massive step forward – first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight.

To the…

— Brad Garlinghouse (@bgarlinghouse) December 12, 2025

Ripple supporters celebrated the announcement, saying RLUSD is now set to become the first stablecoin issued under a national bank charter and under direct OCC supervision.

Ripple’s Push to Become a US Bank

The move follows Ripple’s larger effort to apply for a US national bank charter and a Federal Reserve master account, which would allow the company to operate like a federally regulated bank. This would give Ripple access to US payment infrastructure such as Fedwire and allow it to settle transactions directly in US dollars.

If approved, Ripple would be the first blockchain-native company with this level of access to the US banking system. It would also allow Ripple to run payment operations without depending on outside banks.

Why This Matters for XRP

A bank charter and Fed master account could strengthen Ripple’s position in the global payments industry. It would allow the company to settle international transfers faster and at lower cost. Analysts say this could increase the practical use of XRP, especially for cross-border liquidity.

Many in the XRP community also say this move could boost long-term confidence in the token. If Ripple operates as a regulated financial institution, banks and institutions may feel more comfortable using XRP in their payment flows.

For now, the conditional approval shows a big shift: a leading crypto company is moving toward direct integration with the traditional US banking system, setting a new regulatory standard for the industry.

The post Bitcoin Price Prediction: No Breakout Yet as Year-End Volatility Falls appeared first on Coinpedia Fintech News

Bitcoin continued to trade in a narrow range on Monday, with price action showing little change over the past three weeks as markets head into the year-end period of low liquidity and reduced volatility.

A technical analyst tracking the daily chart said the move still appears to be part of a broader wave-four rebound, with no confirmation yet of a direct breakout to the upside. Despite small intraday gains, chart structures across timeframes remain aligned and do not show a shift in trend.

Short-Term Moves Not Reflected in Broader Trend

According to the analyst, the recent uptick in trader sentiment on social media has been driven by minor green candles on shorter timeframes. But he added that these moves do not change the wider structure, which has remained largely unchanged for nearly a month.

He said traders should “zoom out” and separate short-term fluctuations from long-term patterns, stressing that a chart can appear bullish on lower timeframes while showing a different picture on higher ones.

Market Slows Ahead of Holiday Period

With the year-end holiday season approaching, the analyst expects slower price action to continue. Bitcoin has hovered within the same range for three weeks, and he said there is little preventing it from staying there until late December.

He added that big directional decisions from market participants are unlikely before early next year.

Technical Levels in Focus

The analyst continues to track a possible triangle pattern within the current consolidation. A break below $89,300 would invalidate the pattern and likely push the price back toward Fibonacci support between $85,988 and $88,912.

A move above $94,620, the high point of the pattern’s B-wave, would be the first signal of a possible upside breakout.

Micro-support between $90,197 and $91,888 in case of an additional pullback within the structure.

The post XRP Fans Want $1,000, Analysts See $30 — But Franklin Templeton Says One Missing Variable Will Decide the Real Price appeared first on Coinpedia Fintech News

An interesting debate around XRP has resurfaced after ETF analyst Nate Geraci raised a question many investors quietly ask: How high can XRP actually go from here?

Geraci said that XRP trades near $2 with a market cap of about $125 billion. Even if the token ever grew to match Bitcoin’s current $1.8 trillion valuation, it would land somewhere near $30. Yet the crypto world remains full of predictions calling for $1,000 XRP or even higher.

To dig into the real fundamentals, Geraci turned to Christopher Jensen, Portfolio Manager and Director of Digital Asset Research at Franklin Templeton. Jensen didn’t offer price predictions, but he did explain how serious investors evaluate XRP’s long-term upside.

XRP’s Value Depends on Payments, Not Price Hype

Jensen said the investment case for XRP starts with Ripple’s push to build a global payments network. The company has spent years buying firms and inserting XRP into their systems so the token becomes part of the “back-end plumbing” that moves money.

He explained that Ripple wants XRP to serve as a kind of standard payment rail,  a digital highway that institutions can use for cross-border transfers, settlement, and internal payments. If XRP becomes widely integrated into financial infrastructure, demand for the token could grow.

The Real Question: Does Activity Flow Back Into the Token?

Jensen explained something most retail investors overlook: value accrual.

Every blockchain handles this differently. If someone sends $5 of stablecoins on Ethereum, Solana, or Ripple’s network, the benefit to the native token varies. Some networks capture a lot of value, while others capture very little.

For XRP, future price appreciation depends on how much economic activity actually returns to the token, not just how many banks or companies use Ripple’s software.

Market Share Will Decide XRP’s Ceiling

Payments are one of the largest markets in crypto, but they’re also competitive. Solana and other fast networks already handle a huge volume of transactions. Jensen said investors need to consider market share, adoption, and how Ripple positions XRP as a standard for different payment use cases.

If XRP becomes the preferred rail for global money movement, the upside could be significant. If not, it may stay tied to realistic growth ranges rather than sky-high predictions.

In short, the long-term value of XRP will not be decided by big predictions — but by whether Ripple succeeds in turning the token into the backbone of modern payments.