Popular community figure Chad Steingraber suggests that a major XRP price rally could be imminent, fueled by the anticipated passage of a key crypto regulation.

In a recent post on X, Steingraber leaned on the long-standing “price before law” narrative within the XRP community, arguing that the token may already be preparing for a strong upward move. Essentially, this concept holds that XRP tends to surge ahead of regulatory or legal clarity, rather than reacting to decisions once they become official. 

According to Steingraber, XRP has historically posted sharp gains in the lead-up to major regulatory and legal milestones, rather than waiting for formal confirmation. Consequently, he believes the market may already be positioning for the next rally, even as lawmakers continue to finalize new rules. 

CLARITY Act Markup Slated for January 

According to his commentary, the current catalyst is the CLARITY Bill (H.R. 3633), which aims to establish a clear regulatory framework for digital assets in the United States. Following the legislation’s passage in July, the bill advanced to the Senate and was referred to the Senate Banking Committee for consideration. 

In a recent update, White House AI and Crypto Czar David Sacks revealed that, following discussions with key Senate leaders, lawmakers will hold a markup of the CLARITY Act in January 2026. 

Although the markup is set for January, final passage in the Senate could still take several months. Notably, the markup represents one of the final stages of the legislative process. At this point, committee members typically debate the bill and vote on whether to advance it. If approved, the legislation then moves to the full chamber for floor consideration and, ultimately, a final vote. 

Why XRP Could Be Gearing Up for a Rally 

If lawmakers pass the bill, it would clearly define regulatory boundaries for crypto assets, potentially eliminating the uncertainty that has weighed on the sector for years. Against this backdrop, Steingraber argues that XRP may already be positioning for a rally as expectations around the bill’s passage continue to build. 

His optimism draws heavily from XRP’s historical reactions to regulatory and legal victories. Notably, XRP rallied aggressively during key moments in its prolonged legal battle with the U.S. SEC. 

In 2025, growing optimism about a potential settlement with the SEC pushed XRP above $3 for the first time since 2018. The token later climbed to $3.65 in July 2025—nearly a month before the Ripple case was officially resolved. That episode reinforced the belief among supporters that XRP often “front-runs” regulatory clarity by pricing in positive outcomes well ahead of formal decisions. 

With a major bill that could finally clarify the regulatory status of tokens like XRP nearing its final stages, Steingraber maintains that another significant rally could be just over the horizon. 

As speculation over XRP’s potential climb to the $100 mark resurfaces, a leading industry voice has weighed in on whether such a valuation is realistic given the token’s massive 100 billion supply. 

Fresh speculation has surfaced in the XRP community about the token’s potential surge toward $100. As multiple factors align, including rising ETF demand and greater regulatory clarity, some community analysts argue that XRP could be positioning itself for a significant rally. 

Market commentator Moonshilla is among those backing this outlook, suggesting that XRP may be gearing up for a decisive move toward $100 amid these favorable developments. Similarly, YoungHoon Kim, a self-proclaimed holder of the world’s highest IQ, has projected that the same catalysts could pave the way for XRP to reach the $100 mark within the next five years.  

ChatGPT Comments on Whether $100 Per XRP Price Is Feasible 

However, as momentum behind the $100 XRP narrative continues to build, a critical question remains: can XRP realistically reach this level given its total supply of 100 billion? Weighing in on the debate, leading AI model ChatGPT noted that while such a price target is mathematically possible, it remains highly unlikely under current market conditions. 

Requirement to Reach $100 Given 100B Supply 

To provide context, the model outlined what would be required for XRP to trade at $100 with its existing supply structure. XRP has a maximum supply of 100 billion tokens, with approximately 60.57 billion currently in circulation. 

At a $100 price point, the token’s market capitalization would reach $10 trillion based on its maximum supply. Even using the circulating supply alone, XRP would still need a valuation of roughly $6.05 trillion to hit that level.

Notably, these projected valuations would far exceed Bitcoin’s current market cap of about $1.77 trillion. They would also surpass the market values of global giants such as Nvidia, Apple, Alphabet (Google), Microsoft, and Amazon.

Assuming Bitcoin maintains its position as the world’s largest cryptocurrency while XRP climbs to the $100 mark, the flagship digital asset would also need to record a massive rally. Specifically, Bitcoin would have to surge by about 521% from its current market valuation of $1.77 trillion, lifting its market cap to at least $11 trillion to preserve its dominance. 

What Could Propel XRP to $100? 

While many XRP supporters argue that the token’s real-world utility alone could drive its price to $100, ChatGPT offers a more cautious view. Using XRP’s payments utility as an example, the AI model noted that even extremely high transaction volumes do not automatically translate into sustained price appreciation.

Instead, it stressed that several major conditions would need to align before XRP could achieve meaningful upside, let alone reach $100. These include widespread adoption of XRP by global banks as a primary settlement asset, significant reductions in token supply, and substantial expansion of the overall crypto market valuation.

In conclusion, ChatGPT reiterated that while a $100 XRP price remains theoretically possible, it is highly unlikely given the asset’s large supply and the immense market capitalization requirements such a valuation would demand.  

While XRP has observed bearish pressure over the past three months, a market pundit believes that what could be the “most hated XRP rally” may begin soon.

The crypto market has continued to consolidate over the past week after a downward trend that pushed prices to new lows. Amid this downtrend, XRP has lost the $2 psychological mark, now 34% down in the fourth quarter of 2025, as it changes hands at $1.84 at press time.

However, despite the price struggles, certain market analysts believe the current phase may actually be setting the stage for an explosive upsurge in the near future. For instance, market watcher Steph (@Steph_iscrypto) recently called attention to a pattern he believes could kickstart what could be XRP’s “most hated rally.”

XRP Accumulation Pattern

Specifically, Steph highlighted an accumulation pattern that emerged in two different cycles and led to an impressive surge for XRP. For context, the first pattern played out from early 2015 to early 2017. During this period, XRP recorded occasional price declines and an extensive consolidation phase. 

Notably, from Q4 2016 to Q1 2017, the downtrend intensified, with XRP dropping from $0.00885 to $0.005. However, after this intense downtrend, which pushed XRP to a reliable support zone, the bulls took charge. As a result, what followed was an impressive explosive run that eventually led to the $3.31 peak in January 2018.

Meanwhile, the second accumulation pattern ran from mid-2023 to late 2024, again involving occasional price dips and an extensive consolidation structure. However, from August 2024, the downtrend increased in intensity again, leading to a price drop from $0.62 to $0.50 by November 2024. Interestingly, from here, XRP staged another rally, soaring to $3.4 by January 2025.

Most Hated XRP Rally About to Start

Steph’s chart indicates that XRP entered another accumulation pattern after dropping from the $3.4 peak in January 2025. Like the previous two times, this accumulation stage involved occasional declines dominated mostly by consolidation. However, since October 2025, the downtrend has intensified, with XRP down from $2.8 to the current price of $1.84.

The last two times, XRP surged massively after the intense downtrend, and Steph believes a repeat could happen this time. “The most hated $XRP rally is about to start,” the analyst emphasized. In a follow-up video commentary, he suggested that investors who sell XRP at the current price could miss out on the potential rally.

Interestingly, other market analysts believe XRP could be on the verge of an upward push. For instance, Chart Nerd recently revealed that XRP may currently be in the middle of an ABC reset, and has flipped the $1.8 to $2 mark, which previously served as resistance, to support. He expects an upsurge soon. 

Meanwhile, XRP community commentators like Zach Rector have addressed investor concerns on XRP’s inability to stage the much-anticipated rally this year. Rector believes the end of the SEC lawsuit, the launch of XRP ETFs, and the pending Clarity Act may have set the foundation for an XRP rally next year.

XRP community figure Jake Claver may be on the verge of losing his “XRP to $100” bet as the year 2025 closes in five days.

Ambitious price forecasts have always circulated within the XRP community, but few have drawn as much attention as the call made by Jake Claver, CEO of Digital Ascension Group. 

Claver Promotes His “XRP to $100” Forecast

Claver has consistently claimed that XRP could end 2025 at $100. For most of 2025, XRP has traded around $2, meaning his target implies a rise of about 4,900% from that level. With 2025 ending in just five days, most community members now doubt the practicality of the forecast.

Claver began promoting this outlook publicly this year, stating that XRP could reach $100 in the fourth quarter of the year. He cited growing institutional interest, the launch and expansion of XRP ETFs, and the increasing role of tokenization in global finance. 

Over time, he raised the stakes higher, suggesting that XRP might climb into three- or even four-digit prices. He based these views on his belief that the XRP Ledger would play an important role in modernizing global payment systems.

Rietveld Proposes a Wager

However, most XRP proponents criticized the prediction. They pointed out that XRP remained near $2 while Claver promoted the $100 target, making such a sharp move in a short time frame difficult to justify. 

As Claver maintained his stance, Levi Rietveld, a prominent XRP community member, confronted him on X in early November. Rietveld proposed a $1 million wager tied to the prediction. 

Under his proposal, Rietveld would pay if XRP reached $100 by December 31, 2025, while Claver would pay if it failed to do so. Although Claver never publicly accepted the wager, many community members have since treated it as an implied bet.

Rather than stepping back, Claver maintained his position in late November. According to him, he holds 99.999% confidence that XRP would reach $100. He shared this view across podcasts and social media, pointing to ETF inflows, clearer regulatory conditions, and possible geopolitical disruptions, including oil-related crises, as triggers for a sudden rally. 

Meanwhile, criticism increased on platforms such as YouTube and X, where investors accused him of adjusting timelines and weakening his earlier message as the year-end approached without the predicted surge.

Five Days Left

By December 25, the pressure increased. XRP had fallen below $2, and only six days remained in the year. When asked how confident he still felt about XRP reaching $100 by year-end, Claver said he remains 99.9% certain. However, he said he expects an extraordinary and unexpected move but avoided directly repeating the $100 figure.

Later that day, Claver shared a clip of the Marvel character Thanos snapping his fingers with the words “I am inevitable.” He explained that the post reflected his confidence for anyone still questioning his stance.

If you wanted to know how confident I am in my bet, here it is 👇 https://t.co/0EZow71qqI

— Jake Claver, QFOP (@beyond_broke) December 25, 2025

Rietveld has since responded, arguing that XRP would not reach $100 in five days or even within the next 365 days. With just five days left in 2025 and XRP still trading far below Claver’s target, the possibility of an over 4,900% surge from here remains highly unlikely.