XRP is trading around $1.92 on Monday, December 22, 2025, staying pinned just under the psychologically important $2.00 level after a choppy stretch of December moves. Intraday pricing has ranged roughly between $1.90 and $1.95, underscoring how tightly the market is currently coiled.
That “stuck under $2” theme isn’t just a chart-watcher’s obsession. It’s become the shorthand for a broader tug-of-war: ongoing interest in XRP exposure through newly launched U.S. spot ETFs versus persistent selling pressure that has repeatedly capped rallies near the same ceiling.
XRP price today: where it stands right now
Data snapshots from multiple market feeds show XRP hovering in the $1.92–$1.93 zone today, with modest day-to-day movement depending on the source and timestamp. [1]
A daily readout from Investing.com shows XRP near $1.929 for Dec. 22, with the session’s range stretching from roughly the low-$1.90s to the mid-$1.94s. [2]
Meanwhile, market commentary focused on the same immediate battlefield: $1.95 acting as a near-term “ceiling,” with price action fading after attempts to push higher. One CoinDesk market update described XRP slipping from about $1.926 to $1.915 over a 24-hour window ending early Dec. 22 (UTC), after briefly tagging $1.95. [3]
Today’s XRP headlines (22.12.2025): what the market is reacting to
Several themes dominated today’s XRP coverage:
1) XRP can’t sustain a break above ~$1.95–$2.00
The most immediate storyline is mechanical: repeated attempts higher are getting sold, pushing XRP back into a tight range. [4]
2) ETF demand is still positive, but the “wow factor” is cooling
A key narrative shift today is that ETF inflows remain constructive—yet not strong enough (so far) to force a breakout. FXEmpire reported weekly net inflows of $82.04 million (week ending Dec. 19) and said the U.S. XRP-spot ETF market had extended a streak of 25 consecutive days of inflows, totaling about $1.07 billion since launch. [5]
A separate Yahoo Finance item similarly highlighted weekly inflows around the same figure. [6]
3) On-chain and positioning data suggests a lot of holders are underwater
One on-chain-focused analysis circulating today argued that nearly half of XRP’s supply has slipped into loss territory as price remains under $2, a setup that can amplify volatility if traders rush to exit on small rallies. [7]
4) The long arc: regulation is “less existential,” but macro is still boss-level
The XRP ecosystem has clearer legal footing than it did in prior years—most notably after the SEC-Ripple case resolution in 2025—but crypto prices remain highly sensitive to broader risk sentiment, rates, and global liquidity conditions. [8]
Why XRP is glued to the $2 level
Markets love round numbers for the same reason humans love cliffhangers: they’re simple, emotionally sticky, and they concentrate orders.
In XRP’s case, $2.00 has become a magnet for:
- Short-term profit-taking after rebounds
- Skeptical sellers defending the same level repeatedly
- Breakout traders piling in only if price can hold above it (and bailing quickly if it can’t)
This helps explain why price can look “strong” on headlines—ETF inflows, regulatory wins, institutional products—yet still trade like it’s stuck in a narrow hallway.
CoinDesk’s market update framed $1.95 as the repeated failure point in the latest session. [9]
FXEmpire also described XRP hovering below $2 amid profit-taking and still-bearish technical signals. [10]
ETF effect: supportive floor, not a guaranteed rocket
One of the biggest structural changes for XRP in late 2025 has been the emergence of U.S.-listed spot XRP ETFs. The pitch is straightforward: remove custody friction and let investors access XRP exposure through traditional brokerage rails.
A concrete example is the 21Shares XRP ETF (TOXR). A Nasdaq press release dated Dec. 11, 2025 said the product launched on Cboe and carries a 0.30% total expense ratio, positioning it as a mainstream access point for XRP exposure. [11]
Regulatory filings describe the fund as a vehicle designed to track XRP’s performance via a benchmark rate and hold XRP to pursue that objective. [12]
So why isn’t price ripping higher?
Because flows can be “good” and still be insufficient relative to the supply that shows up when price rises. FXEmpire’s reporting captured that tension: inflows have remained positive, but weekly net inflows have cooled compared with earlier weeks, and the overall crypto macro backdrop has been heavy. [13]
It’s also worth noting that not every issuer is charging full speed ahead. In late November, CoinShares pulled back filings for several proposed products, including an XRP ETF, citing margin pressure and consolidation among large players in single-asset crypto ETPs. [14]
Ripple, banking charters, and the post-lawsuit reality
Even though XRP trades like a risk asset day-to-day, the longer-term narrative still matters—especially when it changes who’s willing (or allowed) to touch the asset.
The SEC lawsuit is over, and that matters—even when the chart ignores it
Reuters reported in 2025 that the SEC ended its lawsuit against Ripple, with Ripple agreeing to a $125 million fine and both sides dropping appeals. [15]
That doesn’t automatically “make XRP go up,” but it reduces a major overhang that shaped U.S. exchange listings, institutional comfort, and product development for years.
Banking-style approvals are moving from sci-fi to paperwork
Ripple has also been pressing deeper into traditional finance infrastructure. Reuters reported earlier in 2025 that Ripple applied for a U.S. national bank charter and sought access to Federal Reserve payment infrastructure. [16]
More recently, both Reuters and the Office of the Comptroller of the Currency (OCC) said Ripple received conditional approval related to a national trust bank charter—an important regulatory step, though not final approval. These trust bank charters can enable custody and payments activity but do not allow taking deposits or making loans. [17]
For XRP markets, developments like this can influence sentiment because they speak to whether the ecosystem is moving toward “integrated finance plumbing” or staying in the speculative sandbox.
Macro still matters: why Bitcoin and the Fed can yank XRP around
If you’ve ever wondered why XRP can drop on a jobs report or bounce on inflation data, the short answer is: liquidity and risk appetite. Crypto markets tend to behave like high-beta tech—when traders expect easier money, risk assets often catch a bid, and when they don’t, things get jumpy.
Recent market coverage tied crypto volatility (including XRP) to shifting expectations around inflation and rate cuts. Barron’s described a rebound-and-fade dynamic in major tokens after U.S. inflation data, emphasizing uncertainty and whipsaw price action. [18]
What to watch next for XRP price
Near-term, the market’s map is pretty clear—even if the destination isn’t:
- Resistance: ~$1.95 first, then the headline level at $2.00 [19]
- Support zone: around $1.90 (recent lows and a psychological handle) [20]
- Flow and product signals: weekly ETF flow updates and whether inflows accelerate again or keep cooling [21]
- Regulatory follow-through: conditional banking approvals becoming final, and how quickly “crypto-to-tradfi rails” actually get built [22]
- Macro catalysts: any sharp shifts in rate expectations or broader crypto risk sentiment [23]
One practical note: crypto trades 24/7, and XRP prices can differ slightly by exchange and data provider at the same moment. The story today is less about an exact penny value and more about the fact that XRP remains locked in a tight band—while the market waits for either a breakout catalyst or a breakdown trigger.
References
1. ycharts.com, 2. www.investing.com, 3. www.coindesk.com, 4. www.coindesk.com, 5. www.fxempire.com, 6. finance.yahoo.com, 7. beincrypto.com, 8. www.reuters.com, 9. www.coindesk.com, 10. www.fxempire.com, 11. www.nasdaq.com, 12. www.sec.gov, 13. www.fxempire.com, 14. www.reuters.com, 15. www.reuters.com, 16. www.reuters.com, 17. www.reuters.com, 18. www.barrons.com, 19. www.coindesk.com, 20. www.investing.com, 21. www.fxempire.com, 22. www.reuters.com, 23. www.barrons.com
