XRP's Global Payment Market Potential and $1.7 Billion in ETF Assets
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Should l Buy XRP?
Source: Fool
- Market Share Potential: Ripple launched XRP as a bridge currency for its payment network, with the international payments market expected to grow from $190 trillion in 2023 to $290 trillion by 2030, and XRP's transaction fee of just $0.0002 and settlement time of 3 to 5 seconds provide significant competitive advantages.
- ETF Investment Opportunity: The SEC approved the first spot XRP ETFs in November, making XRP the second-fastest cryptocurrency to reach $1 billion in ETF holdings, with current assets under management totaling $1.7 billion, attracting more investor interest.
- Increased Investment Accessibility: The introduction of XRP ETFs allows investors to invest through brokerage accounts and tax-advantaged retirement accounts, providing a regulated investment avenue that is particularly important for institutional investors who cannot purchase cryptocurrencies directly through exchanges.
- Long-Term Growth Potential: While XRP carries risks, its role in cross-border payments and the availability of ETFs provide long-term growth potential, suggesting that investors may consider adding some XRP to their portfolios while being mindful of the associated risks.
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Analyst Views on XRP
Wall Street analysts forecast XRP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for XRP is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Analyst Rating
0 Buy
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0 Sell
Current: 13.310
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Current: 13.310
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About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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Market Position: The company is identified with a significant market presence, indicated by its listing and trading volume.
Financial Metrics: The reported figure of 16,340,000 suggests a substantial financial metric, possibly related to revenue or market capitalization.
Future Outlook: The company is likely to continue evolving within the financial sector, adapting to market changes and opportunities.
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Current Market Performance: Bitcoin's price has recently declined by nearly 6%, leading to bearish sentiment among traders, while XRP's market position remains significantly weaker compared to Ethereum.
Future Projections for XRP: Analysts suggest that XRP's future will likely be influenced by Bitcoin's dominance, with some expressing skepticism about XRP's ability to overtake Bitcoin in the near term.
Market Dynamics and Trading Patterns: XRP's price movements are closely tied to Bitcoin's, and while there are indications of potential strength if XRP maintains certain price levels, the overall market structure appears bearish.
See More
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- Ad Model Defense: OpenAI CFO Sarah Friar defended the company's plan to insert ads in ChatGPT during the World Economic Forum in Davos, emphasizing the need for a strong business model to promote artificial general intelligence (AGI), highlighting the importance of profitability.
- User Scale Advantage: Friar noted that OpenAI has 800 million weekly active users, significantly surpassing many early ad model companies, indicating that the effectiveness of ad models is limited before reaching scale, thus showcasing its competitive edge in the market.
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- Fortune 500 Goes Crypto: Long expects that by 2026, Fortune 500 companies will hold over $1 trillion in digital assets, with roughly half implementing active crypto strategies, reflecting a growing corporate focus on blockchain technology.
- Regulatory-Driven Custody Consolidation: In 2025, crypto M&A reached $8.6 billion, and Long predicts that more than half of the world's top 50 banks will formalize at least one new custody relationship by 2026, highlighting the trend of commoditization in custody services.
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- Legal Victory Impact: Ripple's $150 million expenditure in a four-year lawsuit against the SEC culminated in a victory, which is seen as a significant win for the crypto industry and may attract more investor interest.
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- Bill Impact Analysis: The Clarity Act defaults to classifying cryptocurrencies as securities, requiring projects to demonstrate sufficient decentralization to fall under CFTC oversight, which may force developers to seek SEC permission, thereby limiting free innovation.
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Company Overview: AMEX HALT is a financial entity with a focus on providing information and services related to financial markets.
Market Position: The company is identified with a significant market presence, indicated by its listing and trading volume.
Financial Metrics: The reported figure of 16,340,000 suggests a substantial financial metric, possibly related to revenue or market capitalization.
Future Outlook: The company is likely to continue evolving within the financial sector, adapting to market changes and opportunities.
See More
Is XRP Poised to Surpass Bitcoin? Traders Divided as BTC Faces Challenges Around $86,000
XRP vs Bitcoin Market Sentiment: A recent poll indicates mixed opinions on whether XRP could surpass Bitcoin's market cap, with 27% supporting XRP's potential and 32% believing Bitcoin will remain dominant.
Current Market Performance: Bitcoin's price has recently declined by nearly 6%, leading to bearish sentiment among traders, while XRP's market position remains significantly weaker compared to Ethereum.
Future Projections for XRP: Analysts suggest that XRP's future will likely be influenced by Bitcoin's dominance, with some expressing skepticism about XRP's ability to overtake Bitcoin in the near term.
Market Dynamics and Trading Patterns: XRP's price movements are closely tied to Bitcoin's, and while there are indications of potential strength if XRP maintains certain price levels, the overall market structure appears bearish.
See More
Ripple CEO Predicts Crypto Market to Hit All-Time High in 2026
- Crypto Market Outlook: Ripple CEO Brad Garlinghouse expressed optimism during a CNBC interview, predicting that the crypto market will reach an all-time high in 2026, which could boost investor confidence and attract more capital into the sector.
- Ad Model Defense: OpenAI CFO Sarah Friar defended the company's plan to insert ads in ChatGPT during the World Economic Forum in Davos, emphasizing the need for a strong business model to promote artificial general intelligence (AGI), highlighting the importance of profitability.
- User Scale Advantage: Friar noted that OpenAI has 800 million weekly active users, significantly surpassing many early ad model companies, indicating that the effectiveness of ad models is limited before reaching scale, thus showcasing its competitive edge in the market.
- Industry Competitive Dynamics: In response to Google DeepMind CEO's skepticism about OpenAI's ad strategy, Friar emphasized the company's maturity in the ad market, suggesting that OpenAI's technological and business model leadership could influence advertising strategies across the tech industry.
See More
Ripple Predicts Half of Fortune 500 Will Adopt Crypto Strategies by 2026
- Stablecoins as Payment Foundation: Monica Long, president of Ripple, predicts that by the end of 2026, stablecoins will replace traditional payment systems, driving B2B payments to an annualized $76 billion in 2025, indicating strong growth potential for crypto payments.
- Fortune 500 Goes Crypto: Long expects that by 2026, Fortune 500 companies will hold over $1 trillion in digital assets, with roughly half implementing active crypto strategies, reflecting a growing corporate focus on blockchain technology.
- Regulatory-Driven Custody Consolidation: In 2025, crypto M&A reached $8.6 billion, and Long predicts that more than half of the world's top 50 banks will formalize at least one new custody relationship by 2026, highlighting the trend of commoditization in custody services.
- AI and Blockchain Convergence: Long envisions that AI and blockchain will converge in 2026 to automate financial operations that currently require manual work, with stablecoins and smart contracts enhancing efficiency and driving digital asset adoption in regulated markets.
See More
Ripple CEO Predicts Cryptocurrency Will Reach All-Time Highs
- Market Optimism: Ripple CEO Brad Garlinghouse stated that the cryptocurrency market is expected to reach all-time highs this year, particularly as Bitcoin hit approximately $126,000 in October and is currently trading around $89,000, indicating strong market confidence.
- Legal Victory Impact: Ripple's $150 million expenditure in a four-year lawsuit against the SEC culminated in a victory, which is seen as a significant win for the crypto industry and may attract more investor interest.
- Regulatory Changes Driving Growth: The passage of the GENIUS Act establishes a clear regulatory framework for the crypto industry, with Garlinghouse noting that this change will facilitate the scaling of stablecoins, potentially leading to significant efficiency improvements in operations like payroll.
- Future Growth Potential: Garlinghouse anticipates continued positive momentum in the XRP ecosystem over the next 5 to 10 years, with analysts predicting XRP could reach $8 by 2026 and $12.50 by 2028, reflecting confidence in its long-term value.
See More
Cardano Founder Criticizes Ripple CEO for Supporting Clarity Act Draft
- Regulatory Power Controversy: Cardano founder Charles Hoskinson criticized Ripple CEO Brad Garlinghouse for supporting the Clarity Act draft, arguing that it hands too much power to the SEC, potentially locking the crypto industry into a flawed regulatory framework that stifles innovation.
- Bill Impact Analysis: The Clarity Act defaults to classifying cryptocurrencies as securities, requiring projects to demonstrate sufficient decentralization to fall under CFTC oversight, which may force developers to seek SEC permission, thereby limiting free innovation.
- Industry Divisions Intensify: Coinbase CEO Brian Armstrong sided with Hoskinson, criticizing the bill for including a “de facto ban on tokenized equities” and potentially limiting rewards on stablecoins, indicating that the industry would prefer no bill over one that restricts innovation.
- Vote Delay Implications: The Senate Banking Committee postponed its vote on the Clarity Act due to backlash from industry leaders, and while this delay allows opponents time to lobby for changes, it risks the bill losing momentum or being further weakened.
See More
