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Analyst Mikkel warns that XRP, currently trading at $1.37, is unlikely to experience significant repricing because clarity on regulatory policies is unlikely to coincide with expected legislation. He predicts that announcements of institutional adoption of XRP (the true catalyst) will be released one to two quarters after bills pass, similar to the muted market reaction following Ripple's resolution of the (SEC) case in 2024. Despite Ripple's infrastructure giving XRP institutional payment capability, competition from projects like X Money and current market caution (futures open interest at $2.33 billion) suggest that XRP's price pressure may persist near the $1.30 support level in the near term.