XRP is ending 2025 under price pressure, while retail participation has remained muted and recovery attempts have repeatedly failed, XRP has avoided a deeper breakdown primarily due to persistent institutional demand that continues to absorb selling pressure.
According to CoinShares data, XRP investment products attracted around $70.2 million in net inflows in the final week of December.
This pushed its monthly inflow to approximately $424 million, making it the best-performing crypto investment product for the month.
During the month, Bitcoin products recorded $25 million in outflows, while Ethereum funds saw $241 million in withdrawals.
On a full-year basis, XRP accumulated an estimated $3.3 billion in institutional inflows, a remarkable figure given the token’s subdued price performance and regulatory overhang for much of the year.
Since the launch of XRP ETFs in mid-October, XRP products have attracted more than $1 billion in net inflows, with only one session closing flat, according to the exchange data.
The Canary XRP ETF (XRPC) has emerged as the leader. The fund has gathered more than $300 million in assets since its launch, according to Sosovalue.
Such consistency is rare even among mature ETF products and suggests capital allocation rather than speculative rotation.
This resembles early Bitcoin and Ethereum ETF cycles, where inflows preceded meaningful price repricing by several months.
Long-term holders, who historically have been a stabilizing force, have shown mixed conviction. While accumulation phases appeared earlier in the year, Q4 2025 saw selling activity start to dominate.
This change implies weakening confidence among investors who typically absorb volatility.
If long-term holders continue selling into early 2026, XRP could remain range-bound or face renewed downside pressure.
XRP currently trades near $1.85, with a 2.71% decline over the last 24 hours, roughly 38% in Q4, and ending the year down about 9.7% overall.
Analysts expect January and possibly the entire first quarter of 2026 to remain subdued, with XRP likely being range-bound between $2 and $2.50.
Technically, a sustained move above $3 is required to restore a bullish structure and reopen the path toward the $3.66 all-time high.
On the downside, a break below $1.79 would expose the $1.50 region, shifting momentum firmly back in favor of bears.
Also Read: Will XRP Reach $10 Next Year? The Answer Could Shock You
According to Geoffrey Kendrick, Global Head of Digital Assets Research at Standard Chartered, XRP is expected to rise to $8 by 2026, representing a potential 330% increase from the current price.
Regulatory developments that are more favorable, the SEC settlement, and progress in the adoption of XRP ETFs are the factors driving this prediction.