Updated: Monday, December 22, 2025 at 10:21 UTC.
XRP, the token closely associated with Ripple and the XRP Ledger (XRPL), is trading in a tight band on Monday as investors weigh fresh institutional flow data against a technically fragile chart. At 10:21 UTC, XRP was quoted around $1.9237, according to Binance’s market page timestamped at that moment. [1]
Across broader pricing feeds, XRP has been hovering closer to $1.94, with an intraday range around $1.90 to $1.94—a “grind higher” that still stops short of the psychological $2.00 level that bulls need to reclaim to shift sentiment decisively. [2]
What’s changed today isn’t a dramatic price spike—it’s the narrative: CoinShares’ latest weekly report shows XRP-linked products attracting inflows even as the wider crypto ETP market posted large outflows, a divergence that keeps XRP on many traders’ watchlists going into year-end. [3]
XRP price today at 10:21: the quick snapshot
Here’s where XRP stands for readers tracking “XRP price today” in real time:
- Price at 10:21 UTC: about $1.9237 [4]
- Broader spot quotes today: around $1.94
- Today’s visible trading band: roughly $1.90 (low) to $1.94 (high) [5]
That range matters: multiple analysts publishing on 22 December 2025 describe XRP as “stuck under resistance” with buyers struggling to generate follow-through until the market sees a clean push back above $2.00. [6]
Today’s headline driver: CoinShares shows XRP inflows despite a broad crypto ETP pullback
The most cited “institutional angle” on Dec. 22 comes from CoinShares’ newest weekly fund flows update.
In its Digital Asset Fund Flows Weekly Report (Volume 265) published today, CoinShares reported:
- US$952 million in weekly outflows across digital asset investment products
- Outflows concentrated in the U.S. at about US$990 million
- Ethereum leading outflows at roughly US$555 million; Bitcoin about US$460 million
- Selective inflows still going to XRP (US$62.9 million) and Solana (US$48.5 million) [7]
CoinShares attributed the risk-off tone to delays around the U.S. “Clarity Act” (prolonging regulatory uncertainty) and concerns about “whale” selling pressure—a combination that, in its view, made it increasingly unlikely that 2025 ETP inflows would exceed last year’s totals. [8]
Why this matters for XRP (even if the price is flat)
For XRP, today’s CoinShares numbers are being read as a signal that some institutional or structured-product demand remains intact, even while headline sentiment across crypto products softens. That doesn’t automatically translate into spot market rallies—but it does help explain why XRP continues to find bids near key support zones instead of cascading lower with every risk-off wave. [9]
XRP technical analysis today: the market still can’t break the $2 barrier
Nearly every Dec. 22 technical write-up converges on the same conclusion: XRP is trading below a major ceiling, and bulls need a breakout to change the trend.
The resistance cluster traders are watching
- $1.94–$1.95: repeatedly described as a “near-term lid” where rebounds stall [10]
- $2.00: the psychological and technical level that would signal a trend shift if reclaimed and held [11]
CoinDesk’s market note (dated today) framed XRP action as repeated failures near about $1.95, consistent with the “capped rally” story across other outlets. [12]
Key support zones highlighted in today’s coverage
Different analysts emphasize slightly different “lines in the sand,” but the most repeated levels are:
- $1.85–$1.90: a near-term consolidation floor that shows up across multiple same-day analyses [13]
- ~$1.80: described as a critical level that recently held during downside probes [14]
- $1.60: cited by some commentators as the deeper breakdown risk zone if the structure deteriorates further [15]
One common chart description today is a descending channel / downtrend line, where XRP may bounce inside the range but remains structurally weak until it clears the top of the channel and, crucially, reclaims $2. [16]
On-chain and positioning today: profitability drops and whales turn cautious
Beyond pure chart levels, two themes dominate the Dec. 22 on-chain conversation: holder profitability is slipping, and large holders appear cautious.
“Nearly half the supply is underwater”
BeInCrypto reported today that the share of XRP supply in profit has dropped to about 52%, meaning close to half of circulating supply is at a loss. That condition can cut both ways:
- It can reduce selling if holders refuse to realize losses
- Or it can increase the risk of panic selling if support breaks and stop-losses cascade [17]
Whales: small moves, big implications
BeInCrypto also cited data showing the top 1% of XRP addresses controlling around 87.6% of supply, with a slight decline versus earlier in the month—interpreted as modest distribution (selling) rather than aggressive accumulation. [18]
Coinpedia’s Dec. 22 analysis similarly argued that large-holder behavior looks cautious, reinforcing why upside momentum is muted until a stronger demand catalyst appears. [19]
Network activity signal: active addresses cool
A separate Dec. 22 technical piece highlighted social/market commentary that active XRP addresses fell from ~46,000 to ~38,500 over the past week, suggesting cooler on-chain participation into late December. [20]
XRP forecasts today: what the numbers and models are projecting
Forecasts vary widely by methodology, so it helps to separate short-horizon range projections (often conservative) from long-horizon narratives (often highly speculative).
Short-term “range” forecasts (days to weeks)
- CoinCodex projected XRP trading roughly in the $1.92–$1.94 band this week and $1.94–$1.96 next week, with only modest implied movement. [21]
- Changelly flagged a bearish-leaning technical posture (with a low “Fear & Greed” reading on its page) while showing XRP around $1.93. [22]
These match what price action says today: a market “stuck” between nearby support and a hard ceiling around $2. [23]
Crowd-sourced / user-input forecasting (longer horizon)
Binance’s prediction page (which explicitly states predictions are based on user inputs, not Binance itself) displayed XRP around $1.9237 at 10:21 UTC, while listing a multi-year trajectory that rises gradually into 2030 on that specific page view. [24]
Takeaway: short-term models are mostly calling for range-bound trading, while longer-horizon projections depend heavily on assumptions about regulation, adoption, and market cycles.
Bull case vs. bear case: what analysts are arguing on Dec. 22
The bull case: “selective institutional demand + catalysts in 2026”
Bullish commentary today leans on two main ideas:
- Institutional flows are selectively favoring XRP (as in CoinShares’ report showing XRP inflows despite broad outflows). [25]
- A narrative that new ETFs and “treasury company” demand could amplify upside in the next cycle.
A widely shared example of this optimism is a Motley Fool piece published today arguing that XRP could potentially reach $10 in 2026, pointing to spot ETF demand and the rise of XRP “treasury companies” as possible catalysts (while also acknowledging that XRP hype has historically outrun reality). [26]
Separately, long-range bank research still circulates in XRP discussions: Standard Chartered previously published a multi-year path targeting $12.50 by end-2028, with interim milestones along the way. [27]
The bear case: “trend still down, and $2 keeps rejecting”
The bearish view in today’s technical coverage is straightforward:
- XRP remains under a persistent downtrend structure/descending channel in multiple chart frameworks [28]
- If the market loses key supports (analysts cite levels like $1.85, $1.80, and deeper zones below), the lack of upside momentum could become a downside acceleration [29]
In other words: bulls can argue flows; bears point to structure—and the price is the referee. Right now, that referee is still calling the game below $2. [30]
What to watch next for XRP (today into year-end)
If you’re tracking “XRP price today” with an eye on what could move it, these are the catalysts highlighted by today’s reporting and analysis:
- Does XRP reclaim $2.00 and hold it?
Many Dec. 22 analyses treat this as the key trigger for reversing the current downtrend narrative. [31] - Follow the next CoinShares fund flow update and U.S. regulatory headlines
CoinShares explicitly tied sentiment to U.S. regulatory delays and “whale selling” concerns; if that backdrop improves, risk appetite could rebound. [32] - Watch on-chain stress signals
With profitability near a tipping point (about half of supply in loss), a break of support could change holder behavior quickly. [33] - ETF / ETP positioning remains a spotlight metric
Even bearish technicians acknowledge that structured-product demand has become part of XRP’s 2025–2026 story, and today’s flows reinforce that it’s still relevant. [34]
Bottom line
At 10:21 UTC on Dec. 22, 2025, XRP is trading around $1.92, with the broader market seeing quotes closer to $1.94 later in the session—still boxed under $2.00. [35]
Today’s biggest “new” catalyst isn’t a price shock; it’s institutional flow data: CoinShares reports that XRP products drew $62.9 million in weekly inflows even as the overall digital asset ETP market saw $952 million in outflows tied to U.S. regulatory uncertainty and whale-selling worries. [36]
That divergence keeps XRP on the radar—but the chart story remains the same: until XRP clears $2, analysts largely expect a range-bound market with elevated downside risk if key supports fail. [37]
References
1. www.binance.com, 2. crypto.news, 3. researchblog.coinshares.com, 4. www.binance.com, 5. crypto.news, 6. beincrypto.com, 7. researchblog.coinshares.com, 8. researchblog.coinshares.com, 9. researchblog.coinshares.com, 10. beincrypto.com, 11. beincrypto.com, 12. www.coindesk.com, 13. beincrypto.com, 14. cryptopotato.com, 15. cryptoticker.io, 16. cryptopotato.com, 17. beincrypto.com, 18. beincrypto.com, 19. coinpedia.org, 20. crypto.news, 21. coincodex.com, 22. changelly.com, 23. beincrypto.com, 24. www.binance.com, 25. researchblog.coinshares.com, 26. www.fool.com, 27. www.coindesk.com, 28. cryptopotato.com, 29. beincrypto.com, 30. beincrypto.com, 31. beincrypto.com, 32. researchblog.coinshares.com, 33. beincrypto.com, 34. researchblog.coinshares.com, 35. www.binance.com, 36. researchblog.coinshares.com, 37. beincrypto.com
