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Senate Schedules January Markup for Landmark Crypto Clarity Act, David Sacks Confirms

Zabi
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Senate Schedules January Markup for Landmark Crypto Clarity Act, David Sacks Confirms

Momentum is building in Washington around a long-anticipated overhaul of U.S. crypto regulation as the Senate prepares for a formal review of the landmark legislation.

David Sacks, the White House adviser overseeing artificial intelligence and digital asset policy, confirmed that Senate committees will begin marking up the Digital Asset Market Clarity Act in January 2026. He shared the update on the social media platform X following discussions with key Senate leaders.

According to Sacks, Senate Banking Committee Chair Tim Scott and Senate Agriculture Committee Chair John Boozman agreed on the timeline during a joint call. He added that the confirmation moves lawmakers closer to passing a comprehensive crypto framework that has received public backing from President Donald Trump.

Purpose and Scope of the Clarity Act

For the uninitiated, the Digital Asset Market Clarity Act is a bipartisan proposal that seeks to establish clearer regulatory frameworks and greater certainty for the digital asset sector.

The bill establishes a clear division of regulatory authority between the Commodity Futures Trading Commission (CFTC) and the Securities and Exchange Commission (SEC).

By defining which agency oversees specific segments of the crypto market, the legislation aims to reduce regulatory ambiguity that has long frustrated industry participants. Proponents argue that clearer oversight would provide firms with greater legal certainty and encourage responsible innovation.

Path From the House to the Senate

The Clarity Act has already cleared one major hurdle. In July, the House of Representatives passed the bill with broad bipartisan support. 

Following that approval, the legislation moved to the Senate for further consideration. The next phase involves a detailed committee-level review by both the Banking and Agriculture committees.

Notably, the markup stage is a critical part of the legislative process. During these sessions, senators review the bill line by line and propose amendments.

Committees then vote on whether to advance the legislation. Only after clearing this stage can the bill proceed to a full vote before the entire Senate.

Senate’s Parallel Crypto Proposal

Alongside the House-passed bill, Senate lawmakers are developing a separate proposal on crypto market structure. However, that effort remains at the discussion draft stage and has not yet advanced to formal committee review.

Like the Clarity Act, the Senate draft focuses on defining regulatory boundaries between the SEC and the CFTC. Additionally, it introduces the concept of “ancillary assets,” a framework intended to help determine which digital tokens fall outside the definition of securities.

The January markup could serve as a bridge between the two efforts. Lawmakers may combine elements of the House legislation with provisions from the Senate drafts.

Such a move would help align both chambers before a potential floor vote. Sacks has expressed optimism that meaningful progress will follow once committee review begins, based on his public comments on X.

YouTuber Says It’s Not That Easy to Dictate What Comes Next for XRP but Shows Similarity With Cardano 2022 Chart

Elendu Benedict
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YouTuber Says It’s Not That Easy to Dictate What Comes Next for XRP but Shows Similarity With Cardano 2022 Chart

XRP has shown heightened instability, and a recent price analysis has attempted to provide context for its future price trajectory.

The uncertainty around the next price direction for XRP has left several enthusiasts wary. With questions of “what comes next” increasingly making the rounds, crypto YouTuber Blockchain Backer has given his thoughts.

“It’s Really Not That Easy”

In his December 18 post, he emphasized that predicting what comes next for XRP is not easy. Notably, he called the current market trend a “goblin town situation,” a term used to describe a persistently declining market.

Notably, XRP trades at $1.86, up nearly 1.5% in the past 24 hours. While it has shown strength in this timeframe, it has retraced by 13.7% in the previous 30 days. Additionally, the coin has corrected a staggering 49% from its July high of $3.66.

However, the analyst highlighted that market conditions like these are normal. According to him, they come before the next decisive market move. Hence, he concluded that “chop is common.”

XRP Exhibit 2022 Similarities with Cardano

Meanwhile, Blockchain Backer shared a chart that could provide context for XRP’s next price trajectory. Interestingly, it shows a close correlation between how Cardano trended in 2022 and XRP’s current price action.

XRP Chart Compared to Cardano 2022 Price Action
XRP Chart Compared to Cardano 2022 Price Action

For perspective, after Cardano reached its current all-time high of $3.10 in September 2021, it retested a previous support level around $1.82. The support cushioned the price weakness several times before it finally made way for bearish momentum in November 2021.

From there, Cardano fell through multiple Fibonacci levels after breaking down, reaching the bear market lows of $0.22.

Notably, XRP is following a similar trajectory. It broke out from a descending channel in early July, reaching a peak price of $3.66. After that, it retraced to revisit the support level around $2.72. After bouncing from the demand zone on three occasions, it finally broke down in early October, sparking a severe correction to its current price level.

Currently, the asset has broken through the 0.5, 0.382, and 0.236 Fibonacci levels at $2.50, $2.29, and $2.03, respectively. If XRP continues to follow this pattern, it could drop to the next Fibonacci level at $1.61, representing a 13.4% correction.

Nonetheless, there are conflicting price predictions for XRP. For context, Egrag Crypto predicted that the bounce from $1.83 in the past 24 hours could represent the end of a breakout retest for XRP. The targets for his analysis are $3.72, $9, and $27.

Here’s How Much XRP Price Has Dropped Since the ‘Crypto President’ Took Office

Lele Jima
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Here’s How Much XRP Price Has Dropped Since the ‘Crypto President’ Took Office

An analyst has highlighted the sharp downturn across digital assets, including XRP, since the inauguration of Trump, the Crypto President. 

In a recent post on X, widely followed trader ChiefraT emphasized the sustained sell-off the crypto market has witnessed since Trump’s inauguration. According to his analysis, losses have spread across every major cryptocurrency, underscoring the depth of the current market correction.

Notably, XRP was among the weaker performers among large-cap assets, declining 42% over the period, ChiefraT noted. However, the data also showed that XRP was not the only asset to suffer a significant downturn.

Bitcoin has fallen 18%, Ethereum is down 10%, and Solana has dropped 52%, highlighting widespread market pressure.

XRP Performance Post-Trump Inauguration

For context, optimism surged throughout the crypto community following Donald Trump’s re-election in November 2024. During his campaign, Trump outlined several pro-crypto initiatives, including more favorable regulations and the creation of a national crypto reserve and digital asset stockpile. These efforts later earned him the title “Crypto President.”

As a result, his re-election initially triggered a sharp rally in crypto prices. In particular, XRP, which traded near $0.50 before the November 5 election, surged to $2.50 within weeks, and later climbed to $3.34 on Trump’s Inauguration Day on January 20, 2025.

Most of its rally stemmed from the resolution of the Ripple case under the leadership of the SEC appointed by President Trump. Although the Second Circuit formally dismissed the case appeal in August 2025, XRP had already climbed to a multi-year high of $3.65 on July 18.

How Much XRP Has Dropped Since January 20

However, since January 20, when Trump was inaugurated, XRP has suffered a steep reversal. At its current price of $1.83, the token is down 45.20% from its January 20 peak of $3.34.

Many crypto traders have since pointed to Trump’s policies, particularly his aggressive trade war with China, as a major contributor to the market downturn. In one notable episode on October 10, XRP lost $1.27 of its value, collapsing from $2.80 to $1.53 in one day.

That development led to the largest liquidation event on record for XRP futures traders, with more than $700 million in leveraged positions wiped out.

Beyond the trade war, several other forces have weighed on XRP and the broader crypto market.

Excessive leveraged positions have amplified sell-offs, while macroeconomic developments, such as Japan’s recent interest rate hike, have further pressured risk assets.

Yet, Optimism Remains High

Nonetheless, market optimism remains strong, with many investors expecting a rebound in the near term. For XRP in particular, supporters argue that rising demand for spot XRP ETFs could serve as a major catalyst, mirroring the impact of spot Bitcoin ETFs on BTC’s price.

Notably, spot XRP ETFs have recorded consistent inflows since November 14. Specifically, five XRP spot ETFs are actively trading in the U.S., attracting a combined $1.06 billion in cumulative inflows. These products now hold $1.14 billion in net assets, supporting expectations of upside momentum for XRP.

$561M in Crypto Positions Liquidated as Bitcoin Dips Below $85,000

Zabi
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$561M in Crypto Positions Liquidated as Bitcoin Dips Below $85,000

Bitcoin dipped sharply on Thursday afternoon, breaking below a key technical support level and triggering a broader selloff across the crypto market.

The downturn began after Bitcoin failed to hold momentum from an earlier rally. Prices fell below the closely watched $85,000 level and briefly touched $84,500, marking the asset’s weakest point in nearly three weeks.

This move effectively wiped out a morning advance that had pushed Bitcoin close to $89,500, according to CoinGecko. Although prices later recovered modestly, Bitcoin still ended the day down 1.6%, signaling continued pressure.

Weakness Quickly Spreads Across Major Tokens

As Bitcoin retreated, selling pressure spread to other large cryptocurrencies. Ethereum (ETH) followed lower, slipping beneath $2,800 and posting a 1.1% daily decline.

Losses were sharper elsewhere. Solana dropped 4%, falling below $120 and reaching its lowest level since April. The broader market fared even worse, as altcoins absorbed the brunt of the selloff. Cardano, Dogecoin, and SUI each recorded declines of more than 5%, outpacing Bitcoin’s losses.

Volatility Sparks Widespread Liquidations

The sharp price swings triggered a wave of liquidations in derivatives markets. According to CoinGlass, total liquidations reached $561.91 million over the past 24 hours.

During this period, 153,854 traders were forced out of positions. Long traders suffered the heaviest damage, with $375.23 million in bullish bets wiped out. By comparison, short positions were affected to a lesser degree, incurring losses of $186.69 million.

Crypto Market Liquidation
Crypto Market Liquidation

Bitcoin and Ethereum Lead Liquidation Totals

Unsurprisingly, Bitcoin accounted for the largest share of liquidations. CoinGlass data shows that $195.82 million in leveraged BTC positions were closed during the selloff.

Ethereum ranked second, with $148.16 million in liquidations. Other assets also saw notable activity. Hyperliquid (HYPE) token recorded $30.05 million in losses, while XRP experienced $12.19 million in liquidations.

The largest single forced closure occurred on Hyperliquid, where a $6.19 million BTC-USD position was erased amid the decline.

Analysts Highlight Risks Below $85,000 Support

Attention has now turned to the technical significance of the recent breakdown. The $85,000 level had served as a reliable support zone in recent weeks, with Bitcoin repeatedly attracting buyers near that price.

Analysts at AmberData described the level as ‘critical’. They further cautioned that a clear break of this support could expose Bitcoin to a deeper correction, potentially toward $80,000, as cited in an X post.

Dispute Emerges Over Cause of the Selloff

Meanwhile, as prices fell, disagreement grew over what drove the sudden drop. In a post on X, DeFiTracer, an on-chain analytics account, reported that major platforms and market makers sold large amounts of Bitcoin within a short timeframe. The account alleged roughly $3 billion in BTC sales and characterized the move as ‘pure manipulation’.

However, other market participants pushed back against that narrative. Instead, they contended the observed selloff reflected standard liquidity movements and user-driven transactions, rather than coordinated intervention.

With volatility elevated, traders are now watching to see whether Bitcoin can reclaim lost ground. Analysts suggest price behavior around former support levels may influence short-term direction. Until a clearer trend emerges, market participants appear braced for continued turbulence across the cryptocurrency market.

Dave Portnoy Says If XRP Falls to $1.75, He Would Jump in With Both Feet

Abdulkarim Abdulwahab
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0
Dave Portnoy Says If XRP Falls to $1.75, He Would Jump in With Both Feet

Media personality Dave Portnoy is once again keeping a close eye on XRP as bearish pressure returns to the crypto market.

Specifically, the Barstool Sports founder has teased another buy after XRP slipped toward levels that previously caught his attention.

 

XRP is currently trading at $1.84, down 9.61% over the past week. During the latest sell-off, the token briefly dropped to $1.77 before rebounding slightly.

The pullback comes amid the global market downturn, with Bitcoin’s price dipping to $84,000. XRP’s decline has brought key psychological levels back into focus, particularly the $1.75 zone.

Portnoy Shows Interest Near $1.75

Reacting to the drop, Portnoy posted on X that if XRP hits $1.75, he may “have to jump in with both feet.”

The comment immediately drew attention, given Portnoy’s recent history with XRP. Just days ago, he celebrated a profitable rebound after buying $1 million worth of XRP during a sharp dip.

His latest remark suggests he is once again prepared to act aggressively if XRP revisits deeper lows.

Familiar “Buy the Dip” Playbook

Portnoy has repeatedly described major drawdowns as opportunities rather than risks. In November, he referred to market panic as a “blood in the streets” moment and executed rapid purchases across XRP, Bitcoin, and Ethereum within minutes.

That strategy initially went underwater when XRP fell to $1.83, reducing the value of his XRP position to around $860,000. However, a rebound above $2 later made the trade profitable, reinforcing his high-conviction approach.

With his latest tweet, this mindset remains intact, with $1.75 now emerging as his next potential trigger level.

XRP Volatility Rekindles Old Lessons

Portnoy’s renewed interest also follows earlier regrets tied to XRP. Earlier this year, he panic-sold roughly $3 million worth of XRP at around $2.40, only to see the price rally sharply afterward. He later admitted the decision made him “sick” and vowed not to repeat the same mistake.

Against this backdrop, his latest comment suggests a more patient stance, waiting for discounts rather than reacting emotionally.

Market Watchers React

Meanwhile, Portnoy’s plan to buy XRP has drawn disapproving responses from other market watchers. For instance, widely followed crypto commentator IncomeSharks remarked that crypto prices often drop when Portnoy enters the market, urging him to “Please stop.”

Another influencer, Sergio, shared a similar sentiment, saying Portnoy is “bad for the community.”

Bitcoin advocate Wendy O interpreted Portnoy’s post as a bearish signal, predicting XRP could drop to $0.67. Several others echoed similar warnings, suggesting XRP may not fully recover and could “go to zero.”

Despite the bearish sentiment, XRP supporters view the current prices as an opportunity, believing the coin could be worth much more in the months and years ahead.

XRP Non-Empty Wallets on the Rise Despite Dip—Here’s the Current Figure

Elendu Benedict
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XRP Non-Empty Wallets on the Rise Despite Dip—Here’s the Current Figure

The number of non-empty wallets on the XRP Ledger has recorded a consistent upward trend, as market enthusiasts appear to be loading up XRP.

XRP has reduced by 15% over the past month, but new whales seem to be raking up the token. Do they know something that we don’t? Well, the coming days or weeks will tell why they have remained keen on the coin despite the crypto market dip.

Non-Empty XRP Wallets Steadily Climbing

Notably, Santiment recently identified the number of non-empty wallets on different large-cap cryptocurrencies. As the name suggests, these are addresses on a network that hold some amount of tokens. Essentially, they are addresses holding balances greater than 0.

Notably, the XRP Ledger has the fifth-largest number of non-empty wallets in the crypto space, aligning with its current market cap ranking. The Santiment data shows that 7.41 million addresses have some amount of XRP in them.

Interestingly, the number of wallets with a balance on the XRP Ledger has steadily grown even as the asset has underperformed since its July high of $3.66. For perspective, a year ago, there were 5.73 million total XRP holders. This number has increased 29.3% in one year to reach 7.41 million non-empty accounts.

On July 18, when XRP peaked at $3.66, the XRP Ledger had 6.7 million non-empty wallets. This reflects a 10.6% increase despite the price crashing nearly 50%. Notably, this continued rise shows more addresses are holding XRP, signaling accumulation. Historically, such buying pressure usually precedes a price recovery.

Ethereum Clinches Top Spot

Meanwhile, Ethereum leads as the network with the largest number of non-empty wallets, with 167.96 million total holders. Its strengthening institutional appeal and DeFi proficiencies are possible enablers for this large holder base. The asset has also seen a steady growth in its total holders over the past year.

Top Chain Non-Empty Wallets
Top Chain Non-Empty Wallets

Bitcoin follows next with 57.62 million total holders. Meanwhile, Tether’s USDT and Dogecoin occupy the third and fourth places, respectively. They have 9.6 million and 8.13 million non-empty wallets.

Below XRP is another blue-chip asset, Cardano, with a total holder count of 4.54 million. Others include Circle’s USDC and Chainlink, which have 4.39 million and 819,000, respectively.

Cardano: Midnight Set to Welcome Privacy Stablecoin as Partnership Nears Completion

Lele Jima
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Cardano: Midnight Set to Welcome Privacy Stablecoin as Partnership Nears Completion

Cardano’s privacy sidechain, Midnight, is preparing to welcome a new privacy-focused stablecoin partner into the ecosystem.  

This initially began as speculation within the Cardano community, as users deliberated the possibility of a privacy-focused stablecoin launch on Midnight. The discussion follows a series of social media interactions involving prominent community members and project leaders.

Cardano DRep Hints at Potential Stablecoin Launch on Midnight

In a tweet, Stake With Pride, a Cardano DRep and stake pool operator, shared a screenshot of a Reddit post highlighting a common privacy concern among crypto users. In the post, a user complained that someone they had paid questioned why they were holding a large amount of USDC, as the individual could view their USDC balance online. This example underscores how non-privacy stablecoins can inadvertently expose sensitive financial information.

Sharing the screenshot on X, Stake With Pride stated that Midnight is designed to solve issues like this. In his view, privacy stablecoins would allow users to transact without revealing balances or transaction details.

The post quickly drew the attention of key figures within the Cardano and Midnight communities. Jillian Plomin, CEO of W3i Software and the team behind Cardano’s USDM stablecoin, also joined the conversation. She noted that she already has a solution to address the privacy challenge.

Interestingly, Jason Schober, Head of Marketing at the Midnight Foundation, encouraged users to listen to the latest episode of the Unshielded Podcast featuring Plomin, which aired on December 18.

Sharing these conversations on X, Stake With Pride suggested that a privacy stablecoin may be on its way to Midnight.

Midnight Foundation President Confirms Ongoing Stablecoin Deal

The speculation gained further credibility during the podcast itself. Midnight Foundation President Fahmi Syed revealed during the podcast that the project has already received a legal contract from a potential stablecoin partner.

He added that if the agreement is successfully signed, reviewed, and finalized, an official announcement could follow “in the coming days and weeks”. However, he did not disclose the identity of the stablecoin partner.

Midnight Launch and Growing Optimism

The development follows just over a week after the Midnight Foundation listed its NIGHT token for trading across several major crypto exchanges. These include Binance Alpha, OKX, Bybit, Gate.io, KuCoin, MEXC, and Kraken.

Shortly after launch, NIGHT surged past a $1 billion valuation and later peaked at $1.4 billion. At the time of writing, the token is trading at $0.06402, giving it a market capitalization of approximately $1.06 billion.

Notably, while the Midnight native token is already live, the development team is still working through the remaining phases of the project’s rollout, which it expects to complete next year.

As Cardano founder Charles Hoskinson has noted, users should anticipate new Midnight-related goodies every three months. These regular milestones could help the Foundation attract new partners, including one that could deploy a privacy stablecoin on the network.

Here’s 1 XRP Price if It Captures Opportunity Around Tokenization and X Money Integration

Mark Brennan
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Here’s 1 XRP Price if It Captures Opportunity Around Tokenization and X Money Integration

With the DTCC breaking into the tokenization market and X Money looking to launch publicly, XRP has an integration opportunity in both areas.

Notably, XRP has stayed under strong selling pressure amid a broader market downturn. Over the past three months, the price has dropped about 35%, falling to $1.86. With this decline, XRP is now on track to post its third straight monthly loss for the first time since late 2022.

XRP Price Down Despite Bullish Developments

Meanwhile, this weak price action comes despite multiple bullish developments within the XRP ecosystem. For instance, XRP ETFs have launched and gained momentum, recently surpassing $1 billion in total inflows. In addition, Ripple secured conditional approval to operate under a banking license.

Several market commentators believe this disparity between price action and ecosystem developments may not last. They suggested that the developments could be setting up the foundation for an XRP price explosion soon.

One of the individuals who holds this optimism is Digital Asset Investor or DAI, an XRP community figure. DAI recently called attention to two areas where he believes XRP has a real opportunity to gain traction and possibly influence its long-term price action.

In a recent video, DAI called attention to reports of the Depository Trust & Clearing Corporation (DTCC) entering the tokenization space. He also highlighted the attention around X, as the platform prepares to roll out its X Money product to the public. 

DTCC Entering the Tokenization Market

During his commentary, DAI shared a CNBC Crypto World interview featuring DTCC Chief Executive Officer Frank La Salla. During the interview, CNBC host Jordan Smith asked La Salla to explain DTCC’s tokenization pilot, the users expected to adopt it, and the timing behind the launch.

Responding, Frank La Salla explained that the securities industry has steadily moved toward tokenization for several years. He said clearer regulatory guidance from Washington has helped push progress, allowing firms to tokenize real-world assets with greater confidence. 

La Salla called digital assets software and said blockchain now acts as the next-generation system capable of carrying both financial and physical assets, including securities, artwork, vehicles, and more.

He also noted that DTCC holds an important position in the financial system, pointing out that the organization oversees roughly $100 trillion in assets. La Salla said many DTCC members want to tokenize different asset classes, such as ETFs and market indexes. 

To prevent fragmented liquidity across disconnected platforms, DTCC decided to approach tokenization at a foundational level. He explained that DTCC plans to methodically tokenize real-world assets and allow them to operate across multiple blockchain networks, including Layer 1 and Layer 2 systems, while acting as the industry’s facilitator.

Possible X Money Integration

Moving on from the CNBC interview, DAI then called attention to a post from Tesla, in which the electric vehicle simply said: “Slowly, them all at once.”

Speaking on this, DAI stressed that it is now public knowledge that Elon Musk is looking to take SpaceX public next year. According to him, X Money could also emerge, possibly getting tied into the entire push. DAI believes there could be a convergence of AI and crypto.

He then speculated that crypto could power the backend of X Money, suggesting that Stellar’s XLM, XRP, or both could have a role in this system. 

XRP Price if It Leverages These Opportunities

If XRP succeeds in capturing a meaningful share of the growing tokenization market and secures integration within X Money, its price outlook could improve massively. To explore how these could impact XRP price, we asked Google Gemini to provide an assessment.

In response, Google Gemini presented a possible XRP price outlook for the next five years. Under its utility-based scenario, the AI suggested that XRP could reach between $6 and $15 if it captures roughly 10% to 15% of global cross-border payment flows. 

XRP Price Predictions Google Gemini
XRP Price Predictions Google Gemini

In a more bullish environment where the XRPL secures about 10% of the tokenization market, Gemini projects prices ranging from $30 to $50. The chatbot then added that full integration with X Money, potentially serving more than 500 million users, could push XRP into a $50 to $100 price range. 

Meanwhile, in a high-adoption “moonshot” environment involving institutional use and the replacement of legacy systems such as SWIFT, Gemini noted that some analysts place XRP’s long-term price above $189.

Here is Why You Need To Hold 2,314 XRP: Details

Abdulkarim Abdulwahab
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Here is Why You Need To Hold 2,314 XRP: Details

Fresh data from the XRP rich list shows that current prices are quietly reshaping who qualifies as a top holder.

As XRP trades around $2.04, the number of tokens to rank among the top holders continues to decline. However, the dollar cost of entry is moving in the opposite direction.

Holding Just 2,314 XRP

According to the latest wallet distribution figures, the top 10% of XRP holders now consists of about 739,970 wallets. To be in this group, a wallet must hold at least 2,314 XRP. At current prices, it represents an investment of roughly $4,720.

Back in June 2024, reaching the top 10% of XRP holders required roughly 3,300 XRP. At that time, XRP was around $0.47 per token, making the total investment approximately $1,551.

By January 2025, the threshold had decreased to 2,599 XRP. Analysts like Edoardo Farina explain that this drop is due to XRP’s rising value, meaning investors need fewer tokens to achieve a top-tier holding.

Despite the lower number of tokens needed, the financial barrier has increased significantly. Today, securing a spot among the top 10% of XRP holders costs nearly $5,000. This dynamic suggests that price appreciation is steadily pushing smaller holders out of the top tier.

Top 1% XRP Holders Remain a Small, Exclusive Group

The top 1% of XRP wallets consists of approximately 73,997 addresses, each holding at least 48,930 XRP. At today’s price, that level of exposure is worth close to $100,000.

In total, there are about 7.4 million XRP wallets. Of this total, about six million wallets hold 500 XRP or fewer. In fact, 3.498 million addresses hold 20 XRP or fewer, highlighting how concentrated large XRP holdings remain.

In other words, only a tiny fraction of holders control a significant share of the supply.

Why Buy XRP Cheap Now

The key trend is not just the falling XRP threshold, but the rising financial barrier. Industry commentators like Edoardo Farina have argued that today’s price still offers a good opportunity to buy XRP and join the top-tier holders.

This perspective relies on potential future XRP price increases, given bullish developments around the cryptocurrency.

Just this week, Ripple received conditional approval from the U.S. OCC to charter Ripple National Trust Bank. CEO Brad Garlinghouse called it a major step for U.S. expansion and for the company’s dollar-backed stablecoin, RLUSD.

Commentators see this move as highly positive for XRP, as it strengthens Ripple’s regulatory standing, enhances institutional trust, and supports broader adoption of its ecosystem.

Another factor is the XRP ETF market. These products are attracting historic inflows, breaking several records in the crypto ETF space. As of the latest update, XRP ETFs have attracted $974 million in inflows and $1.18 billion in total assets, just a month after launch.

While the impact on XRP’s price has been noticeable, commentators insist that a supply shock is imminent and will force a repricing.

“Holding 1,000 XRP is ‘Non-Negotiable'”

Given this outlook, analysts like Farina, founder of Alpha Lions Academy, claim that holding at least 1,000 XRP could be life-changing. Farina frames this as a “non-negotiable” step for investors aiming to future-proof their portfolios as institutional demand could quickly push prices higher. 

He often speculates about XRP price reaching $100–$1,000 someday, to make holdings of 1,000 tokens or 2,314 XRP millionaires. Meanwhile, critics often dismiss these outlooks as highly speculative.

Here’s How Much 1 XRP Could Cost by 2030

Lele Jima
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0
Here’s How Much 1 XRP Could Cost by 2030

Multiple analyses suggest that investors may need to spend significantly more to acquire XRP by the end of the decade than its current price. 

Although XRP’s recent performance may appear underwhelming, the token has recorded substantial growth compared to its valuation in October 2024. At the time, XRP traded near the $0.50 mark before staging a strong rebound following the reelection of Donald Trump.

Earlier this year, XRP surged by more than 600% from its October 2024 levels, eventually hitting $3.65 in July 2025. While the token has since retraced significantly from the $3.65 level, many market participants remain confident in its long-term upside. At the time of writing, XRP was trading at around $1.80 and had slipped to fifth place in the global crypto rankings after being overtaken by BNB. 

Factors Fueling Investor Optimism in XRP 

Looking ahead, expanding real-world use cases, rising institutional interest, and improving regulatory clarity in key markets are driving investors to focus on where XRP could trade by the end of the decade, or 2030. 

Currently, XRP already enjoys regulatory clarity in the United States and several other jurisdictions. In addition, U.S. lawmakers are working to strengthen this clarity through the proposed CLARITY Act, which is now under consideration in the Senate.

Beyond regulation, XRP’s growing use in cross-border payments and real-world asset (RWA) tokenization continues to highlight its practical utility. At the same time, institutional demand has surged, as evidenced by the rapid adoption of spot-based XRP ETFs, which have cumulative net assets of $1.18 billion, and the emergence of XRP-linked digital asset treasuries. 

Notably, companies such as Wellgistics Health, VivoPower, Webus, and Evernorth have established corporate treasuries centered on XRP, underscoring increasing confidence in the token’s long-term value proposition. 

How Much Will 1 XRP Will Cost by 2030 

To assess how much one XRP could cost by 2030, five years from now, we consulted the AI model ChatGPT and other estimates from multiple entities. 

ChatGPT Estimate

Notably, the chatbot emphasized that XRP’s long-term price trajectory largely depends on key factors such as adoption levels, regulatory developments, and the overall growth of the crypto market.

Under a conservative scenario, ChatGPT suggested that XRP could trade between $6 and $10 by 2030 if the token grows steadily alongside the broader market. This would represent a potential gain of roughly 200% to 400% from its current price near $1.80.

In a base-case scenario, the model projected XRP could range between $14 and $25, assuming wider adoption across cross-border payments, tokenized assets, and institutional finance, supported by continued regulatory clarity.

Meanwhile, under a bullish outlook in which XRP gains large-scale adoption as a core settlement asset within the global financial infrastructure, ChatGPT suggested investors can procure 1 XRP at $30-$50. 

XRP Price by 2030
XRP Price by 2030 | ChatGPT

Other Estimates From Top Analysts

Beyond AI-based projections, several market analysts have offered more conservative forecasts. Zennon Kapron, a Forbes contributor, estimates that XRP could trade around $5.25, implying investors may be able to acquire the token near that level.

Similarly, forecasts from Changelly and Telegaon remain notably lower than ChatGPT’s estimates. Citing expert-based models, Changelly projects XRP could trade between $13.36 and $16.15 by 2030, with an average target of $13.83. 

Changelly 2030 Price Prediction
Changelly 2030 Price Prediction

Telegaon also forecasts XRP to trade within a range of $16.86 to $20.03 by 2030, while stressing that its projections are for informational purposes, not financial advise. 

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