The Ripple (XRP) Trojan Horse Is Already Inside the Walls
$XRP Financial power rarely enters through confrontation. It moves quietly, embedding itself within trusted systems until its presence becomes unavoidable. In global finance, the most durable transformations occur not through disruption alone, but through integration. Ripple’s recent strategic direction suggests it is following that exact playbook, positioning itself inside institutional workflows long before the broader market fully recognizes the shift. In a post shared on X, X Finance Bull highlighted a development that reframes Ripple’s long-term strategy. Rather than focusing on speculative narratives around $XRP ,the post draws attention to structural adoption driven by Ripple’s U.S. dollar stablecoin, RLUSD. A deeper picture is emerging of how XRP may be woven directly into institutional liquidity flows. ✨RLUSD as a Regulated Entry Point RLUSD stands out among many existing stablecoins because of its regulatory positioning. Issued by Ripple under a U.S. trust-regulated framework, RLUSD offers institutions a compliant on-ramp into blockchain-based settlement. That status significantly lowers friction for banks and financial firms operating under strict regulatory mandates. The stablecoin is issued natively on the XRP Ledger. This design choice ensures that core settlement activity remains anchored to Ripple’s infrastructure. Institutions adopting RLUSD are not experimenting at the edges of crypto. They are integrating directly into a production-grade ledger built for payments. ✨Expanding Beyond a Single Ledger While RLUSD is native to the XRP Ledger, its reach is not limited to the XRP Ledger. Ripple has positioned the stablecoin to expand across EVM-compatible chains, increasing accessibility for institutional users already active in Ethereum-based environments. This interoperability allows RLUSD to meet liquidity where it already exists. By bridging EVM ecosystems back to the XRP Ledger, Ripple creates a hub-and-spoke model. Institutions gain flexibility, while Ripple retains control over the underlying settlement rails. This balance between openness and anchoring is central to the strategy. ✨How Banks Onboard Into XRP Rails A key implication raised by X Finance Bull is often overlooked. When banks integrate RLUSD, they also integrate XRP’s rails by default. Even if XRP is not held directly on balance sheets, it becomes part of the settlement process behind the scenes. This situation is similar to how traditional finance adopts new infrastructure, where institutions focus on building robust systems before expanding to broader applications. Institutions may not focus on the underlying plumbing, but once connected, they rely on it. XRP’s role as a bridge asset becomes operational rather than optional. ✨Liquidity Provision Versus Value Movement RLUSD and XRP serve distinct but complementary functions. RLUSD provides price stability and regulatory comfort. XRP facilitates rapid movement across currencies, networks, and jurisdictions. Together, they form a complete settlement stack. As tokenized funds, global repo markets, and institutional liquidity pools continue to grow, efficient bridging becomes essential. Stablecoins alone cannot solve fragmentation. XRP is positioned to handle that movement layer, capturing demand generated by real transactional volume. ✨A Shift From Narrative to Infrastructure This strategy marks a departure from retail-driven adoption narratives. The focus shifts from speculation to usage. Infrastructure adoption tends to be sticky. Once embedded, it scales quietly and persists through market cycles. The broader market may still be debating XRP’s valuation. Meanwhile, the underlying system is being built. RLUSD opens institutional doors. XRP moves the value inside those doors. The transformation is not loud, but it is deliberate. By the time the implications are fully understood, the architecture may already be in place. $XRP #WriteToEarnUpgrade
$ADA Analysis : Cardano (ADA) price struggles to recover as retail demand weakens. Cardano (ADA) recorded a recovery of over 2% at the time of writing on Tuesday; however, the technical structure suggests that the current upward momentum remains relatively low. The price of ADA continues to fluctuate within a descending wedge pattern, reflecting that the weakening trend has not yet been truly broken. Nevertheless, from a fundamental perspective, the Cardano ecosystem is showing clear signs of improvement in onchain activity over the past two weeks, particularly since the privacy-focused Midnight sidechain officially went live. According to data from TapTools, Cardano's on-chain trading volume surged in December, peaking at nearly $19.74 million on December 10th. On Sunday alone, the volume reached $16.11 million, more than double the previous day's volume. Simultaneously, the number of unique trading wallets also increased significantly, reflecting the growing participation of funds returning to the network. In contrast to the on-chain improvements, the derivatives market continues to show cautious sentiment. CoinGlass data shows that the open interest (OI) of ADA futures contracts decreased to $666.25 million, while the funding rate remained negative, indicating that bears still hold the upper hand. On the daily chart, selling pressure is showing signs of weakening as the RSI bounced up from the oversold region and the MACD gradually converged. If the recovery momentum is maintained, ADA could head towards the $0.435 region. Conversely, the $0.341 level continues to act as important support in the short term. $ADA
$DOGE Analysis: Dogecoin (DOGE) price recovered above the $0.13 breakout zone on Friday, indicating buying pressure emerged at lower price levels. However, the bears are unlikely to give up easily and will try to halt the recovery at the moving averages. If the Dogecoin price reverses from these moving averages and breaks below $0.12, it would indicate that the bears are still in control of the market. In that case, the DOGE/USDT pair could plummet to the October 10th low of $0.10. To negate this bearish scenario, the bulls need to push the price above the 50-day SMA ($0.15), thus showing that the market has rejected a breakout below $0.13. A large trading range between $0.13 and $0.27 would be triggered if the price remains above $0.16. $DOGE
$XRP Analysis : XRP Could Recover If It Closes Above $1.96 XRP retested and held the support zone around the lower boundary of the falling wedge pattern on Friday, before recording a slight recovery the following day. As of Monday, XRP is gradually approaching the key resistance zone on the daily chart at $1.96. In a positive scenario, if XRP can close firmly above the $1.96 resistance level, the recovery momentum is likely to extend towards the 50-day EMA at $2.13. In terms of momentum, the RSI on the daily chart is currently at 42, still below the neutral threshold of 50, reflecting that downward pressure has not completely subsided. However, the MACD formed a bullish crossover on Monday, giving an early signal for the possibility of improved upward momentum in the short term. Conversely, if corrective pressure returns, XRP could continue to retreat to test the nearest low established on Friday at $1.77 $XRP
Timelines for XRP to Hit $10, $50, and $100 After Recent Crash
$XRP Numerous market analysts are now revisiting their XRP price predictions as the year ends on a largely bearish note, beyond most people’s expectations. XRP has been trading below $2 for several days, dipping to $1.77 this month before attempting to recover. Since the coin touched $3.66 in July, its price has declined consistently over the following six months, falling by more than 50%. Earlier, some analysts predicted during XRP’s July bull run that the coin could reach $50, while more conservative voices suggested $5 to $10. However, none of these predictions materialized, and 2025 is now winding down. Many analysts are acknowledging their failed forecasts and issuing new timelines for when XRP may reach $10, $50, and $100. ✨New Timelines for XRP to Reach $10 According to researchers at Changelly Exchange, XRP could reach $10 as early as August 2029. This timeline aligns with projections Bitwise outlined in a report to professional investors a few months ago. The report suggested that XRP may reach $10.20 under a bull-case scenario by 2029. In an ultra-bull scenario, Bitwise projected that XRP could hit $13 by 2028. Telegain analysts also expect XRP to trade at an average of $10.29 by 2028. From today’s price of $1.91, this would represent a 421% upside. Changelly price prediction ✨New Timelines for XRP to Reach $50 For the $50 price point, Changelly outlined a timeline of 2034, suggesting that XRP may have a maximum price of $51 by January of that year. This represents a potential upside of 2,496.3% from today’s price. Analysts at Telegain have a longer timeline, suggesting XRP could reach $50 sometime between 2035 and 2040. Specifically, they predict a minimum price of $40.29 by 2035 and a maximum price of $59 by 2040. Bitwise analysts, on the other hand, do not provide a timeline for XRP to reach $50. Their most ambitious price projection is $29.32 by 2030. ✨New Timelines for XRP to Reach $100 XRP community figure Zach Rector revised his timeline for XRP reaching $100 to 2030, down from his earlier 2025 forecast. Rector’s original prediction, made in November, compared doubting a $100 XRP in 2025 to telling children that Santa isn’t real. The revision drew criticism from the community, with commenters accusing him of “moving the goalposts”. Nevertheless, many still consider his 2030 timeline for a $100 XRP price ambitious. Changelly’s research suggests XRP could reach $134 by 2040, roughly 14 years from now. Telegain analysts estimate that XRP may only reach $106 by 2050, about 24 years away. From today’s price, a $100 XRP would represent a 52x increase, which explains why projections suggest it may take several decades to reach this level. At this price, wallets holding 10,000 XRP would see themselves become millionaires. $XRP #TrumpTariffs
$XRP analysis : What are whales expecting when they buy $640 million in XRP? XRP has been facing notable challenges in sustaining its recovery momentum, as prices have repeatedly been rejected at key resistance levels in recent sessions. However, on-chain data suggests that investor behavior—particularly among large holders—is beginning to shift in a more constructive direction. Specifically, whale wallets holding between 100 million and 1 billion XRP have significantly increased their accumulation. Within just 48 hours, this group added approximately 330 million XRP, equivalent to around $642 million. This move reflects growing confidence that current price levels offer an attractive risk–reward opportunity, especially for institutional investors and long-term holders. Whale accumulation during consolidation phases is often viewed as an early signal of a potential recovery ahead. In addition, macro indicators are reinforcing the accumulation narrative. XRP’s liveliness index declined over the past week, indicating a slowdown in token circulation across the network. This suggests that long-term holders are reducing distribution and shifting toward holding, which can help stabilize prices. From a technical perspective, XRP is currently trading around $1.94, just below a downward trendline that has capped price action for more than a month. A breakout and sustained move above $2.02 would strengthen bullish momentum and open the door toward the $2.20 level. Conversely, if selling pressure returns, the $1.85 and $1.79 support zones will be critical in determining XRP’s short-term trend. $XRP