Edvil

The market has memory… and XRP has just marked a number that does not go unnoticed: 173 days ⏳🌹
If you are one of those who gets desperate watching the price move slowly, take a deep breath, because what we are seeing is not a coincidence: it is pure market structure.
An analyst known as Bird has just pointed out something very interesting: the current behavior of XRP is almost a reflection of its great expansion in 2025.
At that moment, the price was exactly trapped for 173 days within a technical figure called a descending wedge before breaking its all-time high.

Standard Chartered has issued a warning that U.S. regional banks are encountering substantial risks due to a $500 billion movement towards stablecoins. According to NS3.AI, these digital currencies are increasingly substituting traditional bank deposits. The delay in enacting market structure legislation intensifies the threat to domestic lenders, as it permits digital dollars to continue diminishing bank deposits. This trend highlights the mounting challenges for the banking sector associated with the increasing use of stablecoins.

XRP has been demonstrating potential to outperform Bitcoin since early 2024, with some analysts predicting a significant expansion phase by 2026. According to NS3.AI, technical patterns and macro formations indicate a breakout potential, with long-term price targets reaching up to $42 and possibly $150 by 2050. The limited maximum supply of XRP is highlighted as a crucial factor supporting these optimistic forecasts, alongside ongoing project developments and collaborations within the Ripple ecosystem.

A recent response on the U.S. Securities and Exchange Commission’s (SEC) Crypto Task Force page has highlighted ongoing debates regarding the regulation of cryptocurrencies under federal securities laws. According to Cointelegraph, the response, authored by digital asset regulation attorney Teresa Goody Guillen, was published as public input on the SEC’s website. Guillen argued that merely holding a 'passive economic interest,' such as purchasing a token with the hope of price appreciation, should not automatically subject digital assets to securities regulation. Instead, she suggested that a broader set of factors should be considered on a sliding scale to assess digital assets.Guillen expressed agreement with Ripple's stance that frameworks equating passive economic interest with securities laws mistakenly confuse speculation with investment rights. Her comments, however, were not intended to establish a binding regulatory framework and do not reflect official SEC policy. This letter was a response to Ripple’s January 9 submission, which raised concerns about the current market structure draft bill. Ripple proposed that the term 'decentralization' should not be a legal metric and that passive economic interests should not trigger securities laws, as they conflate speculation with investor rights.In a separate development, Guillen released a discussion draft for the 'Digital Markets Restructure Act of 2026,' which has not yet received approval from SEC or Commodity Futures Trading Commission (CFTC) leadership. The draft suggests classifying certain cryptocurrencies as 'Digital Value Instruments' if they do not fit existing categories like securities or commodities. These would be classified as such if they exhibit at least three of five characteristics: free transferability, passive economic interest, limited individual contractual rights, systemic dependency on the enterprise or protocol sponsor, or lack of ability to discipline or replace systems affecting the instrument’s value or operations.The draft also proposes risk-based jurisdictions for the SEC and CFTC, federal preemptions for inconsistent state law applications, and safe harbor provisions to foster innovation. The publication of these submissions precedes a joint SEC-CFTC meeting scheduled for Thursday to discuss regulatory coordination on digital assets. Initially planned for Tuesday, the 'harmonization' event was postponed by two days and will include a fireside chat with SEC Chair Paul Atkins and CFTC Chair Mike Selig. Additionally, the U.S. Senate Agriculture Committee delayed its markup for the crypto market structure bill due to a severe winter storm affecting the U.S.

On January 27, it was reported that XRP spot ETFs experienced a total net inflow of $7.76 million on January 26, according to PANews. The Bitwise XRP ETF led the inflows with $5.31 million in a single day, bringing its historical total net inflow to $324 million. Following this, the Canary XRP ETF recorded a daily net inflow of $1.41 million, with a historical total net inflow reaching $399 million.

As of the time of reporting, the total net asset value of XRP spot ETFs stood at $1.36 billion, with an XRP net asset ratio of 1.18%. The cumulative historical net inflow has reached $1.24 billion.

If the market is shaking, the XRP whales are partying and pulling the strings like there’s no tomorrow. 🐋 While everyone is with their hearts in their hands watching millions in crypto get liquidated, XRP got rebellious and marked a bounce that has all of us glued to the screen. It’s not just a little green number; it’s a chess move where the big players are positioning their pieces while the rest blinks.
The thing is on fire because the trading volume skyrocketed by 172%, reaching $3.44 billion. What really blows the mind is that we saw more than 2,800 transactions of "heavyweights" (over $100,000) in a single day. That’s not panic, family; that’s tactical accumulation. When the whales move like this after a drop, it’s because they smell an opportunity that mere mortals still don’t see.