XRP Today News: ETF Sets Record Inflows, Up 27%, Breaks Through Double Moving Averages to Reach $3

XRP has risen for six consecutive days, breaking through $2.35, with active users surging by 45%. On January 5, XRP spot ETF trading volume hit a new high of $72.15 million, with a total net inflow of $1.23 billion and no outflows. The Market Structure Bill was scheduled for review on January 15, and XRP has gained 27% since the news, outperforming Bitcoin’s 7.38% increase this year with a 29.13% rise.

Market Structure Bill Review on January 15 Sparks Rally

Investors’ optimism that US lawmakers will pass the Market Structure Bill has been a key catalyst driving XRP’s price up. At the end of last year, the US Senate Banking Committee announced it would review the bill on January 15. Subsequently, XRP’s price soared 27%, highlighting the token’s sensitivity to legislative developments.

Analysts believe that after the SEC’s lawsuit resolution with Ripple, the Market Structure Bill is the final step to legalize XRP as a non-security. In July 2023, Judge Anarosa Torres ruled that XRP’s programmatic sales did not meet the third prong of the Howey test. The SEC appealed this ruling but withdrew the appeal in early 2025. In August 2025, the US Federal Court of Appeals approved the SEC and Ripple’s withdrawal requests, upholding Judge Torres’s decision regarding XRP’s programmatic sales.

Given the lack of clear rules and regulation in the US digital asset space, the 2023 rulings and withdrawal of appeals have paved the way for the US XRP spot ETF market. Importantly, analysts expect the Market Structure Bill to open new investor groups, making them more inclined to trade products under strict regulation. This regulatory clarity is expected to attract institutional funds that previously hesitated due to legal uncertainties.

XRP ETF Zero Outflows Set Record

On January 5, the US XRP spot ETF market became a focal point, with daily trading volume reaching $72.15 million, the highest since its launch on November 14. The XRP spot ETF issuer saw net inflows of $46.1 million, bringing total net inflows since November 14 to $1.23 billion.

Notably, there have been no outflows in the US XRP spot ETF market, highlighting strong demand for the token. This “zero outflow” phenomenon is extremely rare; even during the early days of Bitcoin and Ethereum ETFs, sporadic outflows occurred. The record zero outflows for XRP ETF indicate that investors are holding firm and not panicking during short-term volatility.

The inflow of funds into XRP spot ETFs has significantly tilted supply and demand in favor of XRP, triggering a 12% rally. The surge in demand coincides with heightened market optimism about the Market Structure Bill. Tight supply-demand dynamics and favorable legislation for cryptocurrencies are two key price catalysts supporting short- to medium-term bullish outlooks.

The inflow of funds, trading volume surge, and substantial decline in exchange balances have intensified market FOMO. According to XRP Scan data, active user accounts (distinct senders) increased from 15,571 on January 1 to 22,567 on January 5, reaching the highest level since December 4 of last year. This 45% growth indicates XRP is attracting a new wave of investors, and network effects are forming.

Historic Decoupling of XRP from Bitcoin

Canary Funds CEO Steven McClurg recently discussed the potential decoupling of XRP from Bitcoin, stating: “I think XRP will actually become a unique asset. Altcoins usually follow Bitcoin’s trend, but I believe some assets will diverge from the mainstream in this way. Seeing XRP remain resilient while all other cryptocurrencies decline, with daily inflows, I think XRP could stay strong through 2026.”

Notably, XRP has gained 29.13% so far this year, compared to Bitcoin’s more modest 7.38%, confirming McClurg’s prediction. Given XRP’s practical utility, crypto experts forecast that XRP will fully decouple from Bitcoin and the broader crypto market by 2026. This decoupling stems from XRP’s unique positioning: it is not a speculative tool but a utility token for Ripple’s cross-border payment network.

Technical Breakthroughs and Price Target Path

(Source: Trading View)

The upward movement on January 6 and five consecutive days of gains have pushed XRP above the 200-day moving average. Currently, XRP’s price is above both the 50-day and 200-day moving averages, with technical indicators aligned with fundamentals, indicating strong upward momentum. On the daily chart, if the price continues to break above the 200-day moving average, it signals a trend reversal with resistance at $2.5.

Crucially, breaking above the EMA line reinforces the medium-term bullish outlook and a long-term (8-12 weeks) target of $3.66. Strong demand for XRP spot ETFs and progress in crypto-friendly legislation further support the short-term (1-4 weeks) bullish outlook, with a target of $2.5. Additionally, increasing utility, expectations of Fed rate cuts, and passage of the Market Structure Bill in the Senate all bolster the long-term bullish trend. The medium-term (4-8 weeks) target is $3.0, and the long-term (8-12 weeks) target is $3.66.

Key Technical Levels and Risk Factors

Support levels: $2.0, $1.75, $1.50, with the 50-day EMA support at $2.0674 and the 200-day EMA support at $2.3481.

Resistance levels: $2.5, $3.0, $3.66 (all-time high), $5.0 (long-term target).

Major downside risks: The Bank of Japan’s announcement of a neutral interest rate range of 1.5% to 2.5% could trigger yen carry trade unwinding; US economic data lowering expectations for rate cuts in March; MSCI’s removal of digital asset reserve companies from indices; political opposition to the Market Structure Bill; XRP spot ETF reports capital outflows. These events could trigger reversals, causing XRP to fall below $2.