XRP Price Prediction: December 2025 Outlook as ETFs Surge and Exchange Supply Plunges

Published: November 30, 2025 – All figures and levels are as of press time.

XRP is ending November in a strangely tense balance: the token is trading around $2.20, slightly in the green on the week, but still nursing a double‑digit loss for the month. ^[1]

At the same time, spot XRP ETFs are attracting hundreds of millions of dollars, Ripple’s RLUSD stablecoin has crossed the $1 billion mark, and on‑chain data shows a 45% collapse in exchange supply — the kind of shift that often precedes major moves in crypto markets. ^[2]

Between 28 and 30 November 2025, a wave of reports from Coindesk, Finbold, CryptoPotato, BeInCrypto, CryptoNews, The Crypto Basic, BlockchainReporter and others has painted a nuanced picture: technically fragile, but fundamentally much stronger than in past cycles. ^[3]

Below is a structured rundown of what the latest coverage says — and what it may mean for XRP’s price trajectory into December and beyond.

1. XRP Price Snapshot (28–30 November 2025)

• Spot price: XRP trades near $2.20, with intraday moves mostly confined to the $2.19–$2.22 range.
• Weekly performance: Up around 8–15% from last week’s lows, after briefly losing the $2 level earlier in November. ^[4]
• Monthly performance: Still down roughly 13–18% for November, depending on the data source, confirming this has been a bruising month despite the recent bounce. ^[5]

Key technical zones referenced repeatedly across late‑November coverage:

• Support
  • Local “line in the sand” around $2.17–$2.20 (defended multiple times). ^[6]
  • Deeper support cluster near $2.05–$2.10, and psychological support at $2.00. ^[7]
• Resistance
  • Short‑term resistance band at $2.35–$2.40. ^[8]
  • Stronger zone at $2.45–$2.46, with some analysts calling $2.459–$2.60 the “trigger area” for a true bullish shift. ^[9]
  • Above that, targets around $2.58–$2.60 and, in more optimistic wave‑based analyses, mid‑term projections between $5.50 and $5.85 into 2026. ^[10]

In short: XRP is range‑bound but coiled — holding crucial support, still capped by heavy resistance.

2. What the Latest Headlines Say (Nov 28–30, 2025)

2.1. November 28: Bouncing From $2, With AI Eyeing Year‑End Upside

Technical and sentiment check

• CryptoPotato’s November 28 price analysis notes that XRP has rallied about 14% on the week, firmly reconfirming $2 as support but running into sellers around $2.40. Price remains about 50% below its $3.60 all‑time high, underscoring how deep the previous correction was. ^[11]
• Coinpedia’s same‑day XRP price prediction highlights a bullish divergence on the daily chart, but stresses that $2.30–$2.40 is the decisive resistance band. A breakout above $2.40 could open a path towards $2.60, while failure would likely send XRP back to $2.05–$2.07. ^[12]

Machine‑learning and AI models weigh in

• A Finbold piece from November 28 looks at a machine‑learning algorithm and several AI models making year‑end calls. Claude Sonnet 4, for instance, envisions a roughly 28% upside toward $2.85 by the end of 2025, while other models like ChatGPT are more conservative (around $2.30) and Gemini 2.5 even allows for a modest pullback. ^[13]

Fundamental push: RLUSD and ETFs

• A joint report via CryptoRank and The Coin Republic tracks how Ripple’s RLUSD stablecoin has exploded from about 100k tokens to 1.26 billion in a year, pushing its market cap past $1 billion in November. ^[14]
• The same report estimates that at least five XRP ETFs (Grayscale, Rex‑Osprey, Canary Capital, Bitwise and Franklin Templeton) have already pulled in over $800 million in net inflows, with a realistic chance of crossing $1 billion before year‑end. ^[15]

This first cluster of coverage sets the tone: price is still bruised, but the rails around it (stablecoin, ETFs, institutional products) look stronger than ever.

2.2. November 29: Has XRP Finally Bottomed?

Coindesk: Wave‑5 breakout or another fake‑out?

• Coindesk’s “Has XRP Finally Bottomed?” focuses on an Elliott‑Wave view: XRP has repeatedly defended the $2.17 zone, traded much of the session between $2.17 and $2.28, and is building what looks like an accumulation base.
• Analysts there flag $2.22 as a pivot level: a sustained close above it would be the first credible bullish confirmation in weeks, potentially opening longer‑term targets near $5.85 if a new “Wave‑5 expansion” plays out. A loss of $2.17, however, re‑exposes $2.10 and just below $2.00. ^[16]

AI‑assisted weekly outlook

• Another CryptoPotato piece asks an AI model for its week‑ahead XRP outlook. The article notes that XRP is up over 15% week‑on‑week but still down by double digits over the month.
• The AI summary credits the launch of US‑listed spot XRP ETFs as the primary driver of the bounce, citing net inflows of more than $660 million in the first few weeks across products from Canary Capital, Bitwise, Franklin Templeton and Grayscale. ^[17]
• Technically, the AI insists bulls must reclaim $2.35–$2.40 to confirm a trend reversal; otherwise, a renewed macro wobble could drag XRP back below $2.00 as seen earlier in the month. ^[18]

Farther out on the horizon

• The Crypto Basic collates forecasts from Changelly and other analysts for 2031, with one popular scenario suggesting XRP could average in the low‑to‑mid $20s and potentially spike above $30 if adoption and ETF flows compound. ^[19]
• Separately, a detailed Wyckoff‑style roadmap discussed on CryptoRank and NewsBTC sketches a “final flush” toward the $1.61–$1.70 area, followed by a powerful markup phase that could carry XRP toward $7.50 over the next cycle — provided that long‑term support levels hold. ^[20]

None of this is guaranteed, of course, but it shows how widely long‑term expectations now vary, from sub‑$2 retests to multi‑fold expansions.

2.3. November 30: Seasonality, ETFs, On‑Chain Anomalies and AI Christmas Calls

December seasonality vs. weak November

• BeInCrypto’s fresh December 2025 outlook highlights that XRP is down almost 13% in November, even though historically December looks strong on average — largely because the +800% rally of 2017 skews the numbers. Recent Decembers (2023, 2024) saw far more modest single‑digit gains. ^[21]
• The same article points to heavy resistance near $2.46 despite strong ETF inflows. It argues that a decisive close above about $2.459 could open a move to $2.60–$2.61, but notes that long‑term holders are still selling into strength, limiting confidence in a clean December breakout. ^[22]

AI forecasts for Christmas and into 2026

• A separate Finbold report asks an AI model to predict XRP’s Christmas Day 2025 price. It comes back with a central estimate around $3.10, with a “likely” range between roughly $2.60 and $3.60, and a wider band stretching from around $2.40 up toward $4.50, depending on ETF flows, macro conditions and SPAC‑driven buy programs. ^[23]
• Another CryptoNews analysis notes that XRP is currently around $2.19, with about $2 billion in 24‑hour trading volume, and appears to be coiling in a tight triangle pattern. It identifies a defended demand zone near $2.1458, potential upside checkpoints at $2.38 and $2.58, and frames the widely discussed $5.50 by late 2026 target as “ambitious but not impossible” if a breakout sticks. ^[24]

On‑chain: exchange supply exodus and ledger weirdness

• CoinPaper highlights what it calls one of XRP’s largest exchange‑supply contractions in years: balances on centralized exchanges have plunged from about 3.95 billion tokens to 2.6 billion in just 60 days, a drop of more than 45%. Analysts interpret this as a sign that whales and long‑term holders are moving coins into self‑custody or longer‑term strategies, reducing immediate sell‑side pressure. ^[25]
• At the same time, U.Today reports that the XRP Ledger just saw over 40,000 unusual “AccountSet” transactionsappear in a coordinated burst, likely representing someone pre‑configuring a huge batch of wallets or infrastructure rather than organic user activity. The article stresses that this looks like backend preparation (test wallets, configurations) rather than an attack, but it’s a reminder that network‑level activity is heating up behind the scenes. ^[26]

Macro context: “worst November” vibes and RLUSD milestones

• BlockchainReporter dubs November “one of the worst months” for several majors, noting that XRP traded around $2.18 with a monthly drop of over 15%, even as Ripple scored regulatory wins like RLUSD being greenlisted by Abu Dhabi’s FSRA, allowing the stablecoin to be used as collateral and in lending setups inside a major financial hub. ^[27]
• An earlier deep‑dive from 24/7 Wall St adds more institutional color:
  • RLUSD is now being used as collateral on institutional platforms such as Ripple Prime.
  • A Mastercard–WebBank–Gemini pilot pushes RLUSD‑based settlement of credit‑card payments onto the XRP Ledger.
  • Ripple’s settlement of its SEC case for $125 million and a wave of spot XRP ETF filings (with Bloomberg estimating potential inflows of $5–7 billion by 2026) have made XRP far more “institutional‑ready” than in earlier cycles. ^[28]

Sentiment: sideways, not euphoric

• A long‑form report at BlockchainReporter sums up late‑2025 sentiment succinctly: XRP is “back in the spotlight” but mostly moving sideways around $2–$3, with legal clarity and ETF approvals on one side and still‑limited real‑world on‑chain usage on the other. It characterizes XRP as a medium‑risk, long‑term speculative play rather than a sure‑thing blue chip. ^[29]

3. Technical Outlook: Key Levels To Watch Into December

Synthesizing all the late‑November technical coverage, a few critical zones stand out:

1. Immediate support: $2.17–$2.20
   • Repeatedly defended in Coindesk’s intraday breakdown and in other analyses, this area is the short‑term battleground. Holding above it keeps the notion of a forming base alive; losing it opens up a quick slide toward $2.10 and $2.00. ^[30]
2. Deeper support: $2.05–$2.10 and sub‑$2 wicks
   • Coinpedia and CryptoPotato both point to $2.05–$2.07 as a “last‑ditch” support where buyers have previously stepped in. A failure there would likely re‑invite sub‑$2 spikes, though prior bounces suggest that level attracts strong dip‑buying interest. ^[31]
3. First serious resistance: $2.35–$2.40
   • Multiple outlets and AI analyses converge on $2.35–$2.40 as the first real line that bulls must break to shift the narrative from “relief rally” to “trend reversal.” It’s where prior bounces have stalled and where sellers are expected to be waiting. ^[32]
4. “Trigger zone”: $2.45–$2.60
   • BeInCrypto flags $2.46 as a particularly sticky ceiling, while other analysts talk about XRP “testing the $2.60 breakout zone” and needing to close above it to keep bullish momentum intact. ^[33]
   • Many of the more ambitious projections for 2026 — including the $5.50 and $5.85 targets — assume that XRP can convert this band from resistance into long‑term support. ^[34]
5. Pattern structure: triangle + potential Wave‑5
   • CryptoNews sees XRP compressing inside a tightening triangle, usually a precursor to a large move in either direction. ^[35]
   • Coindesk’s Elliott‑Wave breakdown sees a completed Wave‑4 correction and a potential Wave‑5 expansionstarting only if $2.22 and then $2.28 give way, with long‑term Fibonacci projections in the mid‑$5s. ^[36]

Taken together, the picture is clear: as long as $2.17–$2.20 holds and $2.60 eventually breaks, the technical backdrop leans bullish; if $2.10 and then $2.00 fail, it flips decisively bearish again.

4. Fundamentals: ETFs, RLUSD and Institutional Rails

Beyond the price chart, late‑November coverage consistently emphasizes three structural themes.

4.1. ETF flows and exchange‑supply crunch

• Between CryptoRank and CryptoPotato, estimates suggest that newly launched spot XRP ETFs have already attracted $660–800+ million in net inflows in just a few weeks, with several analysts expecting the total to cross $1 billion before the end of 2025 if the pace continues. ^[37]
• CoinPaper shows that centralized‑exchange balances have shrunk by more than 45% over roughly two months, from about 3.95 billion XRP down to 2.6 billion, implying a major shift toward self‑custody and long‑term holding. ^[38]

If ETF issuers, treasuries and long‑term investors keep soaking up coins while fewer are left on exchanges, supply shocks become more likely — both on the upside (if demand surges) and on the downside (if those long‑term holders ever all rush for liquidity at once).

4.2. RLUSD: Ripple’s billion‑dollar stablecoin

• RLUSD, Ripple’s dollar‑backed stablecoin, has grown from just over 100k tokens to more than 1.26 billionwithin a year, crossing $1 billion market cap in November 2025. ^[39]
• Most RLUSD currently lives on Ethereum, but a significant share also circulates on the XRP Ledger, tying its usage to XRP’s underlying infrastructure. ^[40]
• Regulatory wins like FSRA’s “greenlisting” of RLUSD in Abu Dhabi allow it to be used as collateral and in lending products in a major financial hub, potentially boosting institutional comfort with the broader Ripple ecosystem. ^[41]

While RLUSD doesn’t necessarily require XRP to rise, its success as settlement and collateral infrastructure tends to strengthen the narrative that XRP’s network is becoming a core piece of regulated payment rails.

4.3. Institutional pipelines: Ripple Prime, Mastercard and legal clarity

• Ripple’s institutional platform Ripple Prime allows professional traders to hold RLUSD as collateral and tap into XRP Ledger liquidity directly. ^[42]
• A pilot with Mastercard, WebBank and Gemini routes credit‑card settlement flows through RLUSD on the XRP Ledger, turning what used to be slow batch settlements into near‑instant on‑chain transfers. ^[43]
• Ripple’s settlement of its SEC case for $125 million earlier in the year removed a cloud that had hung over XRP for years, and a wave of spot ETF applications (with Bloomberg estimates of $5–7 billion of potential ETF demand by 2026) has further normalized XRP in institutional circles. ^[44]

Put bluntly: XRP now has more institutional plumbing around it than at any prior point in its history. That doesn’t guarantee higher prices, but it raises the ceiling on what’s possible if risk appetite returns.

5. What Models and Analysts Are Predicting

Here’s how some of the more widely cited late‑November forecasts stack up:

5.1. Near term (December 2025 – Christmas)

• Machine‑learning & AI models (Finbold, Nov 28–30)
  • End‑of‑year targets cluster roughly between $2.15 and $2.85, with one model going as high as $2.85 and another expecting only a modest drift to around $2.30. ^[45]
  • A separate AI‑driven Christmas‑Day call centers around $3.10, with a “most likely” band in the $2.60–$3.60range and a tail scenario up toward $4.50 if ETFs and buy programs align. ^[46]
• Technical analysts (Coindesk, CryptoNews, BeInCrypto, CoinPaper)
  • Base case: range trading between about $2.00 and $2.60, with a neutral‑to‑slightly‑bullish bias as long as $2.17–$2.20 holds. ^[47]
  • Bullish scenario: a clean daily close above $2.40–$2.46, followed by extension into the $2.60–$2.78zone. ^[48]
  • Bearish scenario: a break below $2.17 and then $2.10, which could re‑invite sub‑$2 price spikes and invalidate many of the bullish wave counts. ^[49]

5.2. Medium term (through 2026)

• CryptoNews frames $5.50 by the end of 2026 as a stretch but plausible target if XRP can break its triangle pattern topside, reclaim the $2.58 area and ride sustained ETF demand. ^[50]
• The Wyckoff roadmap highlighted on CryptoRank and NewsBTC sketches a reaccumulation story: a possible “spring” toward the $1.61–$1.70 zone, then a markup phase toward $7.50 once XRP clears the low‑$3s decisively. ^[51]

Both of these depend heavily on macro conditions, broader crypto risk appetite, and XRP’s ability to stay relevant as tokenized assets and payments become more crowded sectors.

5.3. Longer term (2030–2031 and beyond)

• The Crypto Basic piece relaying Changelly’s projections imagines XRP averaging in the low‑$20s by 2031, with potential spikes above $30, assuming sustained institutional adoption, healthy ETF flows and strong market cycles. ^[52]

These longer‑term numbers are highly speculative. They are best read as scenario exercises, not baselines.

6. XRP Price Forecast: Scenario Framework, Not a Guarantee

Given all of the above, here’s a scenario‑based framework for how XRP could trade into December 2025 — notinvestment advice or a promise of returns.

6.1. Base‑case scenario (range‑bound, moderately constructive)

• Price range: roughly $2.00–$2.60 through December.
• Drivers:
  • ETF inflows keep grinding higher but at a slower pace.
  • Macro stays mixed, with no huge new risk‑on or risk‑off shock.
  • RLUSD adoption and institutional pilots continue, but without blockbuster headlines.
• Technical picture:
  • XRP defends $2.17–$2.20 on pullbacks.
  • Rallies keep stalling between $2.35 and $2.46, occasionally wicking toward $2.58 but failing to close above it. ^[53]

6.2. Bullish scenario (decisive breakout)

• Price range: a sustained push into $2.60–$3.00, with the door open for tests toward $3.10–$3.50 if momentum snowballs.
• What would likely be needed:
  • Combined ETF and ETP inflows surpassing $1 billion, confirming strong institutional appetite. ^[54]
  • Ripple announcing more high‑profile RLUSD or payment‑rail partnerships (similar in impact to the Mastercard pilot). ^[55]
  • Broader crypto market breaking out of its late‑2025 funk, with Bitcoin and other majors leading higher.
• Technical picture:
  • XRP holds above $2.20 even on volatile days.
  • Price closes convincingly above $2.46 and $2.60, turning that band into support.
  • Traders start seriously targeting $2.78, then the $3.00–$3.30 zone, which many mid‑term wave and Wyckoff models treat as a staging area for any larger markup. ^[56]

6.3. Bearish scenario (failed base, renewed downtrend)

• Price range: a slide back toward $1.80–$2.00, with potential spikes lower if sentiment sours.
• Triggers might include:
  • ETF inflows stalling or reversing, turning the “ETF trade” into a crowded disappointment. ^[57]
  • A sharp macro shock (e.g., risk‑off move in equities or renewed rate fears) that hits all altcoins simultaneously.
  • Negative regulatory or enforcement headlines that offset the earlier SEC settlement win.
• Technical picture:
  • A daily close below $2.10, followed by repeated failures to retake that level.
  • Heavy selling appearing whenever price nears $2.30–$2.35, showing that the market has flipped from “buy dips” to “sell rips.” ^[58]

In this scenario, many of the more optimistic 2026–2031 projections would likely be pushed further out in time or significantly revised down.

7. Risk Reminder and How to Read These Forecasts

Crypto coverage, especially around big tokens like XRP, often leans into headline‑friendly numbers — $5.50, $7.50, $30+ — but the spread between bullish and bearish scenarios is enormous. That’s a sign of uncertainty, not a guarantee of outsized returns.

Key points to keep in mind:

• XRP remains highly volatile. Double‑digit percentage swings in a single week are still normal. ^[59]
• Institutional infrastructure is improving, but real‑world payment volumes and on‑chain usage still have a lot to prove. ^[60]
• AI and machine‑learning models don’t “know the future” — they extrapolate from historical patterns and current inputs, which can change suddenly. ^[61]
• This article is informational, not financial advice. It doesn’t take your personal circumstances, risk tolerance, or time horizon into account.

If you’re considering exposure to XRP (or any crypto), it’s prudent to:

• Do your own deep research.
• Only risk money you can afford to lose.
• Treat bold price targets as possibilities, not plans.

What’s clear from the torrent of coverage between 28 and 30 November 2025 is that XRP has graduated from a legal‑uncertainty story to an institutional‑infrastructure story. Whether that ultimately translates into a sustained price uptrend will depend on how price behaves around the $2–$2.60 corridor, and whether real‑world usage catches up with the growing rails built around it.

References

1. beincrypto.com, 2. cryptorank.io, 3. www.coindesk.com, 4. finbold.com, 5. beincrypto.com, 6. www.coindesk.com, 7. coinpedia.org, 8. cryptopotato.com, 9. beincrypto.com, 10. cryptonews.com, 11. cryptopotato.com, 12. coinpedia.org, 13. finbold.com, 14. cryptorank.io, 15. cryptorank.io, 16. www.coindesk.com, 17. cryptopotato.com, 18. cryptopotato.com, 19. thecryptobasic.com, 20. cryptorank.io, 21. beincrypto.com, 22. beincrypto.com, 23. finbold.com, 24. cryptonews.com, 25. coinpaper.com, 26. u.today, 27. blockchainreporter.net, 28. 247wallst.com, 29. blockchainreporter.net, 30. www.coindesk.com, 31. coinpedia.org, 32. cryptopotato.com, 33. beincrypto.com, 34. cryptonews.com, 35. cryptonews.com, 36. www.coindesk.com, 37. cryptorank.io, 38. coinpaper.com, 39. cryptorank.io, 40. cryptorank.io, 41. blockchainreporter.net, 42. 247wallst.com, 43. 247wallst.com, 44. 247wallst.com, 45. finbold.com, 46. finbold.com, 47. www.coindesk.com, 48. beincrypto.com, 49. www.coindesk.com, 50. cryptonews.com, 51. cryptorank.io, 52. thecryptobasic.com, 53. www.coindesk.com, 54. cryptorank.io, 55. 247wallst.com, 56. cryptonews.com, 57. news.bitcoin.com, 58. coinpedia.org, 59. cryptopotato.com, 60. blockchainreporter.net, 61. finbold.com