The post How Low Can XRP Price Go as Crypto Markets Turn Red Today? appeared first on Coinpedia Fintech News

XRP has moved lower again, slipping below $1.89, as weakness across the broader crypto market continues. The drop comes amid rising uncertainty ahead of global economic events, including U.S. non-farm payroll data and growing expectations of a Bank of Japan interest rate hike, both of which have pressured risk assets.

Bitcoin and other cryptocurrencies have also traded lower, adding to the selling pressure on XRP.

XRP Slips Below Short-Term Support

The drop to $1.89 shows that an important short-term support level has been lost. However, analyst Casi Trades says this alone does not confirm a full bearish breakdown.

On higher timeframes, attention remains on the $1.97 area, which is viewed as a critical level for maintaining XRP’s broader structure. As long as this level is not decisively broken on a daily close, the risk of a deeper sell-off remains contained.

Downside Levels to Watch

If XRP fails to reclaim the $2.03 level, which previously acted as macro support, selling pressure could persist. A confirmed break below $1.97 would strengthen the bearish case and could open the door to a move toward $1.64, the next major support zone.

Is a Short-Term Bounce Still Possible?

Despite the recent dip, the analyst  points to slowing downside momentum and short-term bullish divergence signals. These often support brief relief rallies if overall market conditions stabilize.

For any meaningful recovery, XRP would need to move back above $2.03 and hold that level as support. A successful reclaim could allow a retest of resistance near $2.14–$2.16.

What Happens If XRP Turns Higher?

If market sentiment improves and XRP breaks above its next major resistance near $2.41, the outlook would turn more positive. In that case, price targets around $2.75 to $2.90 could come into focus.

However, the broader market environment remains fragile, and XRP’s next move might depend on macro signals and overall crypto sentiment.

The post Bitcoin Price Prediction: What’s Next After Crash Below $86k appeared first on Coinpedia Fintech News

Bitcoin started the new trading week under pressure, with prices falling sharply and breaking lower after weeks of slow movement. BTC dropped about 2.7% in the last 24 hours to trade near $85,700, wiping out momentum built earlier in the month. Its market value slipped to around $1.72 trillion, while trading volume dropped more than 35%.

The broader crypto market also turned red, extending the choppy and weak price action seen throughout December.

Bitcoin had been moving sideways for weeks, and many traders were waiting for a clear breakout. Instead, the market moved lower, catching late buyers off guard.

Analysts say that slow and quiet markets often end with sharp moves. In this case, the breakout has started to the downside.

Bitcoin Rejected at Key Resistance

Bitcoin failed to break above an important resistance level near $92,500 in late November. After repeated attempts, prices stalled and sellers gradually took control.

This rejection was a warning sign. When Bitcoin cannot push past major resistance, profit-taking usually increases, leading to short-term declines.

Support Near $86,000 Now Under Pressure

Bitcoin is now hovering close to an important support zone around $86,000. While this level has held so far, analysts warn that continued selling could push prices lower.

If BTC decisively breaks below this area, the next downside targets could fall between $83,000 and $80,500. 

Market Stuck Between Key Levels

On shorter timeframes, Bitcoin remains trapped between falling resistance and weakening support. This tightening range often leads to high volatility once price escapes the zone.

A recovery above $90,650 could improve short-term sentiment, but until then, analysts say the market remains vulnerable to further downside.

The post Why MYX Finance Is Up Double Digits While the Crypto Market Crashes Today? appeared first on Coinpedia Fintech News

While the broader cryptocurrency market is under pressure, MYX Finance (MYX) is moving in the opposite direction. The token jumped more than 13% in the last 24 hours, trading near $3.45, even as Bitcoin, Ethereum, and most altcoins slipped lower.

At a time when overall market sentiment remains weak, MYX’s strong price action has turned heads.

Strong Derivatives Activity Supports MYX

One of the main reasons behind MYX’s rise is growing activity in the derivatives market. Open interest in MYX futures increased by 8.48% to $45.63 million, showing that traders are actively opening new positions rather than exiting.

At the same time, the long-to-short ratio climbed to 1.79, with over 64% of traders betting on higher prices. This shows bullish sentiment is building, even while the wider crypto market remains cautious.

Rising Volume Signals Fresh Buying

MYX also saw a sharp increase in trading activity. Daily trading volume jumped more than 41% to $76.95 million, a sign that new buyers are entering the market rather than price moving on low liquidity.

The project’s market capitalization now stands near $869.6 million, hinting at renewed interest despite the ongoing market downturn.

V2 Upgrade Buzz Lifts Sentiment

Another catalyst is anticipation around MYX Finance’s upcoming V2 upgrade. On December 1, the team teased improvements that include portfolio margin features and better cross-chain functionality.

Traders often price in big upgrades ahead of launch, especially when they could improve capital efficiency and attract more users to the platform.

Technical Structure Remains Bullish

From a technical perspective, MYX is showing strength. The price recently bounced from the so-called “golden zone” near $3.33.

Analysts say MYX has been respecting a bullish market structure, with the next upside target sitting around $3.90 if momentum continues.

The post Why Are Bitcoin, Ethereum and XRP Prices Falling Today? appeared first on Coinpedia Fintech News

The cryptocurrency market is under pressure today, with Bitcoin, Ethereum and XRP among other altcoins all seeing sharp declines. Total crypto market value has slipped to around $3 trillion, down more than 1%.

Bitcoin dropped below $87,000, Ethereum fell near $3,000, and XRP slid to around $1.92. Several other major altcoins, including Solana, BNB and Dogecoin, also moved lower. 

Sudden Bitcoin Drop Triggers Liquidations

Bitcoin saw a sudden sell-off shortly after U.S. markets opened, falling nearly $2,000 in just 30 minutes. This sharp move wiped out around $40 billion from Bitcoin’s market value.

At the same time, more than $125 million worth of long positions were liquidated within an hour. Liquidations happen when traders using leverage are forced to sell as prices fall, which often accelerates losses.

Japan Rate Hike Fears Shake Global Markets

One of the biggest reasons behind today’s crypto drop is growing concern about a possible Bank of Japan (BoJ) interest rate hike later this month.

For many years, Japan kept interest rates extremely low. Investors borrowed cheap Japanese yen and invested that money into stocks, crypto and other risk assets. This strategy is known as the yen carry trade.

Now, as Japan moves toward raising rates, borrowing becomes more expensive. When that happens, investors are forced to repay loans, often by selling assets.

History shows this pattern clearly.

• In July 2024, when Japan raised rates, Bitcoin fell about 26% in one week.
  
• In January 2025, another rate hike was followed by a 25% drop in Bitcoin over several weeks.
  

If Japan raises rates again around December 18–19, analysts warn a similar short-term shock could hit global markets, including crypto.

Fed Policy Adds More Pressure

In the United States, the Federal Reserve is also adding uncertainty. While inflation has cooled, the Fed has delayed interest rate cuts. Unemployment has risen to around 4.8%, but policymakers remain cautious.

Without large liquidity injections, Bitcoin could fall further. This pressure comes even as firms like Michael Saylor’s Strategy continue buying Bitcoin. The company recently purchased more than 10,600 BTC worth nearly $1 billion, but that was not enough to stop the broader sell-off.

Why This May Be Short-Term Pain

Despite the current drop, analysts say the bigger picture is more balanced.

Japan’s economy is already weak, with recent GDP shrinking by 0.6%. Because of this, Japan cannot raise rates aggressively for long. The Japanese government has also announced a ¥17 trillion stimulus package, which will inject liquidity back into the system.

Globally, countries like the U.S., China and Canada are slowly moving toward easier monetary policies. Over time, this adds liquidity to financial markets.

Historically, sharp sell-offs often clear out weak positions. Once panic selling ends, markets usually stabilize and begin forming a base.

The post XRP Price Is Not Broken — It’s Being Controlled, Says Macro Expert appeared first on Coinpedia Fintech News

The price of XRP has remained range-bound despite growing discussion around institutional interest, exchange-traded fund (ETF) demand and expanding use cases across global payments, leaving investors questioning why the token has not reflected those developments.

XRP has traded well below its previous all-time highs even as Ripple continues to expand partnerships with banks, payment firms and stablecoin issuers. Some market analysts argue that the disconnect shows a prolonged accumulation phase rather than a lack of demand.

Quiet Accumulation Before Price Discovery

Macro analyst Dr. Jim Willie said in a previous interview that large asset managers are unlikely to disclose XRP exposure while accumulating positions. According to Willie, public confirmation would push prices higher before institutions complete their allocations.

“They are never going to tell you what they’re buying while they’re buying it. If they did, the price would immediately move against them,” he said. 

Willie added that several large financial firms, including asset managers and investment banks, are positioning ahead of a potential wave of XRP-based ETFs. Market participants say ETFs could serve as a trigger for broader price discovery.

ETF Demand Could Reshape XRP Valuation

The analyst said that XRP ETFs could attract between $5 billion and $8 billion in inflows within the first year of launch. 

For the unversed, several XRP ETFs launched in November, drawing strong investor interest. Spot XRP exchange-traded funds have now crossed $1 billion in net assets, with total inflows reaching about $990.9 million. 

“I did the math — that kind of money would imply an $8–$10 XRP based on market-cap multipliers,” he said. If ETFs bring large, transparent inflows, the argument goes, the current “quiet accumulation” model becomes public buying. That could force the spot market to catch up.

Why the market looks suppressed now

There are a few reasons the expert points to when they talk about suppressed public prices:

• Private OTC buying vs public supply — Much institutional buying happens over-the-counter or inside ETFs, so it doesn’t immediately lift exchange prices.
• Deliberate secrecy — Large buyers often avoid public disclosure to prevent front-running. That can keep official price moves muted while accumulation continues.
• Mixed narratives and fragmentation — Multiple chains and competing payment rails dilute headlines, making it hard for retail sentiment to build fast.
• Short-term selling and liquidity management — Some holders and ecosystem participants still sell into rallies, creating offsetting supply on exchanges.

The post How to Invest $10,000 in Crypto for 2026: Analyst’s Guide to Bitcoin, Ethereum and Altcoins appeared first on Coinpedia Fintech News

In a recent interview, popular crypto analyst ElliotTrades shared his views on how investors should think about building a crypto portfolio today, with a long-term view toward 2026. 

According to ElliotTrades, anyone investing $10,000 in crypto should start with Bitcoin. He said around $6,000 to $7,000 should be allocated to Bitcoin and Bitcoin-linked assets for safety.

He described Bitcoin as the “blue-chip” of crypto. Along with holding BTC directly, he also favors exposure through companies that move closely with Bitcoin’s price, such as MicroStrategy and Coinbase stock.

Recent negative news around MicroStrategy selling Bitcoin did not push prices lower. He said this was a strong signal that much of the selling pressure may already be over. Trading volume in MicroStrategy stock has also picked up, suggesting renewed interest.

Ethereum Looks Undervalued as Tokenization Grows

ElliotTrades says Ethereum (ETH) is entering a very important phase. He pointed to comments from U.S. regulators hinting that traditional markets may move on-chain over the next few years.

At present, tokenized stocks on blockchain are worth roughly $670 million, while global stock markets are worth around $67 trillion.

He expects Ethereum to be the main network for this shift. Even a small increase in tokenized assets could have a meaningful impact on ETH’s price. For this reason, he advised  allocating around $2,000 to Ethereum and Ethereum-related infrastructure plays.

• Also Read :
•   Analyst Reveals Whether XRP Price Could Ever Fall Back to $1
•   ,

Why Altcoins Could Offer Big Upside in 2026

When it comes to altcoins, ElliotTrades said prices are currently depressed, but that also means risk-reward is improving. He believes “a little goes a long way” at these levels.

However, he warned that altcoins may not move immediately. In his view, Ethereum could lead first, with altcoins following later once risk appetite increases. This means investors do not need to rush but should start researching early.

He also stressed watching the altcoin-to-Bitcoin ratio. When smaller coins begin to outperform Bitcoin, it often signals a broader altcoin rally.

DeFi Altcoins and Revenue-Generating Tokens

ElliotTrades showed strong interest in DeFi altcoins, especially protocols that generate real trading fees. He explained that owning parts of decentralized exchanges can give investors regular income instead of relying only on price appreciation.

Unlike meme coins or hype-driven tokens, these DeFi models distribute actual fees earned by the protocol. This creates what he called “speculative cash flow,” which can help investors manage emotions and avoid panic selling.

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

Bitcoin price is trading below $90,000 and has now slipped under $89,000, changing hands near $88,794, down 1.46% in the last 24 hours.

One of the reasons behind today’s drop is growing concern over a possible interest rate hike by the Bank of Japan (BoJ).

Although no official rate increase has been announced, traders are reacting to historical patterns. Data shared by market analysts shows that Bitcoin fell between 23% and 31% after previous BoJ rate hikes.

Japan is the largest foreign holder of U.S. government debt. A tighter BoJ policy could force global investors to reduce risk exposure, which often impacts assets like Bitcoin.

Options Selling Caps Bitcoin’s Upside

Bitwise Alpha head Jeff Park said Bitcoin’s upside remains limited due to continued selling pressure from long-term holders, often called OG Bitcoin holders.

According to Park, these holders are actively selling call options, which suppresses price movement and keeps volatility low.

“ETFs are buying spot Bitcoin and call options, but demand is still not strong enough to offset the steady options selling by long-term holders,” he said.

Volatility Drops Sharply

Bitcoin’s implied volatility has fallen sharply in recent weeks. After reaching about 63% in late November, volatility has now dropped to around 44%.

Low volatility often leads to sideways price action and limits sharp upward moves. Analysts say Bitcoin needs sustained higher volatility to break out of its current range.

ETFs and Bitcoin Show Different Market Behavior

Another trend emerging in the market is the growing difference between Bitcoin ETF options and native Bitcoin options.

Options tied to the iShares Bitcoin Trust (IBIT) show strong demand for upside exposure, meaning investors are willing to pay more for bullish bets. In contrast, Bitcoin options on crypto platforms still show weaker demand for upside moves.

This difference suggests traditional investors are positioning for higher prices, while crypto-native holders continue to sell into rallies.

Long-Term Holders Continue to Supply the Market

Many early Bitcoin holders are using a covered call strategy, selling options against Bitcoin they already own.

This adds steady selling pressure and encourages market makers to hedge in a way that keeps prices moving within a narrow range. As a result, Bitcoin remains stuck in a high-supply, low-volatility environment.

What Could Change Bitcoin’s Trend

Jeff Park said Bitcoin could see stronger price action if one of two things happens: 

• A slowdown in options selling by long-term holders
• A sharp increase in demand for Bitcoin ETF options

Until then, Bitcoin may continue to struggle despite strong interest in ETFs and broader adoption.

For now, Bitcoin remains under pressure as macro uncertainty and market structure continue to limit upside momentum.

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.