"XRP ( ) has had quite the journey. Originally designed as an international payment engine, it spent years stuck in legal limbo while Bitcoin and Ethereum ran laps around it. Now that the regulatory dust has settled, XRP finds itself at a crossroads. The token trades around $1.95 as of mid-January 2026, sitting roughly 49% below its all-time high of $3.84 from January 2018 and 44% below its July 2025 cycle peak of $3.65."
"The inflow streak finally broke on January 7, with a modest $40.8 million redemption, but resumed within 24 hours. For XRP to reach its all-time high, ETF assets under management need to reach $5 billion or more. At December's pace of $483 million monthly, that's achievable by Q3 2026. Each $1 billion in inflows removes approximately 500 million XRP from circulation, creating structural tightness that amplifies any demand shock."
"JPMorgan predicted XRP ETFs could attract between $3 billion and $8 billion based on Bitcoin and Ethereum ETF performance. If monthly inflows sustain above $400 million, ETFs could lock away roughly 2.6 billion XRP by year-end-about 4% of total supply. The XRP breakout thesis strengthens with every billion added. The current momentum is strong, but sustained acceleration requires continued institutional appetite."
XRP trades around $1.95, about 49% below its all-time high of $3.84 from January 2018 and 44% below its July 2025 peak of $3.65. Institutional interest has increased: spot XRP ETFs gathered $1.37 billion in under 60 days with a 43-day inflow streak, briefly interrupted on January 7. ETF assets under management must reach roughly $5 billion to support a return to the prior ATH, with each $1 billion of inflows removing about 500 million XRP from circulation. JPMorgan projects $3–$8 billion possible, and Ripple's banking network has grown to more than 300 partners. Sustained acceleration of inflows and continued institutional appetite are necessary for a breakout.
Read at 24/7 Wall St.
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