XRP Price Today Near $2 as New ETF Approval, Wall Street Funding and Fed Cut Collide (December 11, 2025)

XRP is trading around $2.00–$2.02 today, December 11, 2025, slipping roughly 3–4% over the last 24 hours as traders react to the latest Federal Reserve rate cut, heavy whale selling and a broader pullback across crypto. ^[1]

Despite the red candles, institutional interest in Ripple’s ecosystem has never looked stronger: a new 21Shares spot XRP ETF has just been approved for listing, Wall Street funds have put $500 million into Ripple shares, and the RLUSD stablecoin is gaining traction as a settlement rail. ^[2]

Below is a detailed look at XRP price today, the key news driving the move, and what analysts and AI models are predicting next.

XRP Price Today: Snapshot (Dec 11, 2025)

Most major data providers show XRP clustered around the $2 mark:

Spot price: ≈ $2.02 (range across aggregators ~$2.00–$2.02) ^[3]
24h change: roughly –3% to –4%, underperforming the broader crypto market ^[4]
Intraday range: about $2.00 – $2.10 so far
Recent trend:
- –3.1% on the day, –7% on the week
- ~–19% over the past month
- ~–12.5% year‑to‑date ^[5]

In other words, XRP has slid back into a consolidation zone around $2 after failing to hold above the $2.20–$2.40 band that bulls have been watching since late November. ^[6]

Why Is XRP Down Today?

1. Post–Fed “hawkish cut” hangover

Crypto as a whole is retracing after traders unwound positions built ahead of the Federal Reserve’s latest rate cut. A broad risk‑off move is hitting Bitcoin, large-cap altcoins and DeFi tokens alike. ^[7]

Higher‑for‑longer yields on U.S. Treasuries still offer 4%+ “risk‑free” returns, creating strong competition for speculative assets like crypto. Recent research highlighted that AI models now explicitly factor those opportunity costs into price forecasts for XRP and other coins. ^[8]

2. Whale profit‑taking near the $2 zone

On‑chain data compiled by 99Bitcoins and Santiment shows that large XRP holders (“whales”) have sold over $700 million worth of tokens since December 5, mostly from wallets holding 100M–1B XRP. ^[9]

This wave of selling:

Has capped XRP below $2.00–$2.10,
Comes just as the market was hoping for a breakout ahead of the Fed decision, and
Helps explain why the token struggles to sustain rallies even when ETFs are attracting inflows.

The good news for bulls: analysts in the same report note that long‑term holders remain relatively steady, and the $2 region—once a long‑term ceiling—now appears to be acting as a structural support base rather than resistance. ^[10]

3. XRP “in the red on all timeframes” and falling fees

U.Today points out that XRP is down across every major timeframe and recently slipped behind BNB in market cap before reclaiming its spot again. It also highlights a sharp 89% collapse in daily transaction fees, now around 650 XRP (90‑day SMA), the lowest level since December 2020. ^[11]

Lower total fees can mean cheaper usage, but they also often signal softer on‑chain demand, adding to the cautious mood around the network’s current activity.

Institutional Story: ETFs, Wall Street Money and RLUSD

Even as short‑term price action looks shaky, the institutional backdrop for XRP has rarely been stronger.

1. New 21Shares spot XRP ETF on deck

Coinpedia reports that the Cboe BZX Exchange has approved the listing of the 21Shares Spot XRP ETF, with the product cleared to launch as soon as the SEC issues its final notice—potentially as early as December 11–12, 2025. ^[12]

Key details from that approval:

XRP is trading near $2.01, down about 3.3% on the day despite the ETF news. ^[13]
Price is stuck in a support band between $2.00 and $2.25, with additional supports near $1.94 and $1.82.
Short‑term resistance remains around $2.20; a decisive break above that level could open the way for a stronger move. ^[14]

Separate coverage from Yahoo Finance and U.Today notes that XRP spot ETFs have now recorded at least an 11‑day streak of net inflows, with cumulative assets approaching the $1 billion mark—evidence that institutional buyers are still nibbling even as price consolidates. ^[15]

2. Wall Street’s $500 million bet on Ripple

Pintu News details a $500 million investment into Ripple shares from heavyweights including Citadel Securities and Fortress Investment Group, structured as a pre‑IPO deal. ^[16]

Important nuances from that report:

Roughly 90% of Ripple’s net asset value is tied directly to XRP, so this is effectively a leveraged bet on XRP’s long‑term performance, not just on the company’s software business. ^[17]
The deal includes protections such as the right to sell shares back to Ripple at a minimum 10% annualized return, reflecting both optimism and caution about XRP’s volatility. ^[18]
Ripple still hasn’t set a firm IPO date, and Pintu notes that XRP’s dip toward $2.05 with downside risk to $1.90 adds pressure to the investment narrative in the short term. ^[19]

3. RLUSD stablecoin and Gemini integration

On the infrastructure side, Gemini has integrated Ripple’s RLUSD stablecoin on the XRP Ledger, enabling near‑instant, low‑fee fiat settlements on‑chain. ^[20]

According to 24/7 Wall St., RLUSD:

Launched in December 2024,
Has grown to over $1 billion in market cap, and
Is increasingly used by banks to move dollars on‑chain while minimizing direct exposure to XRP’s price swings. ^[21]

Several analyst notes argue that while RLUSD doesn’t automatically pump XRP, each new corridor and institution onboarded into the RLUSD network can indirectly boost XRP demand as a bridge asset and deepen the overall Ripple ecosystem.

Technical Picture: Levels XRP Traders Are Watching Today

Multiple analyses published on December 11, 2025 converge on a similar technical map.

Short‑term support zones

$2.07 and $2.05:
Pintu’s intraday breakdown highlights an uptrend line and 100‑hour moving average sitting near $2.07–$2.08, with $2.05 as the next line in the sand. ^[22]
$2.00 psychological support:
A daily close below $2.00 could open up a drop toward $1.985 and then $1.92, according to the same analysis. ^[23]
$1.90–$1.94:
Coinpedia and recent Wall Street coverage both point to this band as major higher‑timeframe support, where previous sell‑offs have found buyers. ^[24]
$1.77:
BeInCrypto notes a clear double bottom around $1.772, formed by two rebounds in October and late November. A break below this structure would significantly weaken the bull case for December. ^[25]

Overhead resistance

$2.12 and $2.15: first resistance cluster on the hourly chart; breaking above this could allow a retest of $2.18. ^[26]
$2.20: “line in the sand” repeatedly flagged as short‑term resistance and the key breakout level for the 21Shares ETF narrative. ^[27]
$2.33–$2.40: area highlighted by earlier CoinDesk and technical analyses as the next upside target if XRP can hold above $2.20–$2.22. ^[28]
$2.45–$2.46: BeInCrypto’s cost‑basis heatmap shows about 1.75 billion XRP clustered here, making it a major supply wall that has capped rallies in recent months. ^[29]
$2.60–$2.61: If XRP can close decisively above $2.459, the same analysis suggests a realistic December target around $2.60, aligned with Fibonacci levels and ETF‑driven flows. ^[30]
$2.75 and $3.00: 24/7 Wall St. notes that analysts see $2.75 as a key resistance; clearing it could open a path toward $3.00 in a year‑end rally scenario. ^[31]

In simple terms: today’s battle line is the $2 handle. Bulls need to defend it and eventually reclaim $2.20–$2.45; bears want to force a close below $2.00 and drag price back toward the high‑$1 range.

What Do Analysts and AI Models Expect Now?

Quant models and sentiment gauges

Changelly’s updated XRP outlook shows a real‑time price near $2.00, with technical indicators flagging bearish sentiment (around 87% bearish) and a Fear & Greed score of 26 (“Fear”). Over the last 30 days, XRP saw 12 green days and volatility around 6–7%. ^[32]
CoinCodex forecasts a small pullback to roughly $2.00 by January 10, 2026, expecting the price to dip toward $1.98–$2.01 over the next few days. For December 2025 as a whole, it projects a trading range of $1.96–$2.26, with an average around $2.04, implying modest upside from today’s levels. ^[33]
Binance’s community‑driven prediction page suggests a longer‑term path where XRP might reach roughly $2.11 in 2026, about $2.56 by 2030, and around $6.80 by 2050, according to user consensus. ^[34]

These algorithmic and community models generally imply gradual appreciation, not explosive moves, with short‑term weakness before a potential recovery.

AI vs human analysts: December 2025 targets

A November 29 analysis from 24/7 Wall St. pitted a ChatGPT‑style AI forecast against traditional analysts for December 2025: ^[35]

AI target: about $2.02, expecting flat price action with only small relief rallies.
Analyst consensus: clustered in the $2.70–$2.85 range, pointing to a potential year‑end rebound if ETF inflows, RLUSD adoption and macro sentiment improve.

A separate December 4 article from the same outlet looked ahead to 2026:

AI model: sees XRP around $4.40 by March 2026,
Top analysts: argue a push to $5–$6 is possible by late 2026 if legal clarity, RLUSD growth and more ETF launches materialize, along with easier Fed policy. ^[36]

CryptoPotato’s three‑model AI “battleground”

CryptoPotato ran three different AI models (trend‑based, LSTM and multi‑factor) specifically on XRP: ^[37]

Model #1 (trend‑based):
- Sees a strong support floor around $2.05–$2.10, tested multiple times over the last 90 days.
- Notes compressed moving averages and stable ~$3.7B daily volume as signs of accumulation rather than distribution.
- Assigns a 62% probability to a “momentum deviation event”—basically a break from the current sideways pattern, skewed slightly bullish.
Model #2 (LSTM):
- Points to a weekly high–low range shrinking to ~5% and 30‑day volatility near 10%, describing XRP as a “coiled spring.”
- Expects a move of up to ~18% in the near term, but doesn’t specify direction, stressing that macro events like Fed decisions will decide the break.
Model #3 (multi‑factor):
- Highlights record 2025 XRPL velocity (tokens changing hands more rapidly) and growing settlement volumes.
- Notes that more XRP is leaving centralized exchanges than entering, a classic sign of long‑term holding behavior.
- Flags $2.22–$2.28 as near‑term resistance to watch.

Collectively, these AI models suggest that volatility is likely to increase soon, with a slight tilt toward upside if macro conditions cooperate.

Ultra‑bullish community forecasts: $10, $14, $100 and beyond

On the more speculative end of the spectrum, crypto commentators are issuing eye‑popping long‑term targets:

$14+ per XRP – TheCryptoBasic summarizes chartist Javon Marks’ view that XRP could eventually outperform Bitcoin by 600%, similar to a prior cycle where XRP rallied 570% in dollar terms and outpaced BTC by 243%. That translates into a double‑digit price target above $14 over the long run. ^[38]
$250 per XRP and a $7 trillion Ripple valuation (very hypothetical) – Another piece from TheCryptoBasic walks through Rob Cunningham’s scenario where: ^[39]
- XRP trades at $250,
- The U.S. “Clarity Act” and Treasury support give it explicit legal status in a new monetary framework, and
- Ripple ends up holding 17 billion XRP, implying more than $4 trillion in token holdings and a market valuation up to $7 trillion in extreme bullish cases.
  This is clearly a thought experiment, not a base‑case forecast.
$100 within two years – A separate TheCryptoBasic article cites an XRP educator arguing that if global finance moves fully on‑chain and regulatory clarity arrives, XRP could, in theory, reach $100 within two years—again, contingent on very ambitious assumptions. ^[40]
$5–$15 more realistic in the next major cycle – CryptoNinjas takes a more tempered approach, suggesting that while calls for $100–$500 exist, a $5–$15 range in a strong bull market is more plausible, provided adoption, regulation and macro conditions align. ^[41]

These upper‑end numbers are highly speculative and depend on factors well beyond today’s price action, including global regulatory reform, massive institutional adoption and sustained bull markets.

Short‑Term XRP Outlook: Days to Weeks

Putting all today’s data together, the short‑term picture looks like this:

Bearish forces

Persistent selling by whales above $2.00. ^[42]
On‑chain metrics showing lower fees and cooling activity. ^[43]
Trend‑following algos and quant sites flashing bearish sentiment with the market in “fear.” ^[44]
Macro risk from Fed policy and elevated yields keeping some capital on the sidelines. ^[45]

Bullish forces

A cluster of supports around $2.07, $2.05, $2.00 and $1.90–$1.94 that bulls have defended so far. ^[46]
Structural shift where $2.00, once a multi‑year ceiling, is now acting as a base, according to multiple long‑term charts. ^[47]
ETF inflows nearing $1B and a new 21Shares ETF about to launch, indicating sticky institutional demand. ^[48]
RLUSD and expanding banking partnerships steadily deepening network utility over time. ^[49]

Most neutral models (Changelly, CoinCodex, Binance) suggest sideways‑to‑slightly‑down price action in the very short term, with a possible grind within the $1.95–$2.25 range as the market digests the Fed cut and waits for the new ETF’s first trading sessions. ^[50]

Medium‑ to Long‑Term Outlook: 2026 and Beyond

Across research houses and data platforms, a rough hierarchy of scenarios emerges:

Conservative base case:
- XRP stays mostly in the $2–$3 range into 2026, tracking broader crypto cycles and gradual adoption. ^[51]
Moderately bullish case:
- AI models and traditional analysts converge on the idea that XRP could hit $4–$6 by 2026, helped by more ETF inflows, RLUSD growth, and more friendly global regulation. ^[52]
Aggressive bull case:
- Community and influencer projections in the $10–$15 zone assume a very strong altcoin cycle and XRP again outperforming Bitcoin as in previous surges. ^[53]
Extreme moon‑shot scenarios ($100+):
- These depend on transformational, system‑level changes (Clarity Act fully passed, XRP deeply embedded in global monetary rails, multi‑trillion‑dollar valuations for Ripple). Current prices and mainstream forecasts do not, at this stage, treat them as likely baselines. ^[54]

For now, data‑driven models and institutional research remain far more modest than the most optimistic community narratives, but even the conservative paths leave room for meaningful upside over multi‑year horizons if adoption continues.

What to Watch Next

For traders and long‑term holders tracking XRP after today’s pullback, these are the main catalysts to monitor:

Launch and flows of the 21Shares Spot XRP ETF – Does it attract fresh capital or simply shuffle existing holdings? ^[55]
Price behavior around the $2.00 level – A clean hold and bounce could validate the “$2 as new floor” thesis; a breakdown would put $1.90 and $1.77 back in play. ^[56]
U.S. regulatory progress on the Clarity Act and related bills – The bill has passed the House and is pending in the Senate; markets may move on expectations well before any law is signed. ^[57]
RLUSD’s growth and new payment corridors – Each new banking partnership or regional rollout could increase XRPL usage and indirectly support XRP demand. ^[58]
On‑chain metrics: fees, velocity, exchange flows – Watch whether today’s low fees and whale selling give way to renewed activity and net outflows from centralized exchanges (a sign of long‑term accumulation). ^[59]

As always, none of this is financial advice. XRP remains a high‑volatility asset whose price is driven by a complex mix of macro trends, regulation, technicals and sentiment. Anyone considering exposure should carefully assess risk tolerance, diversify appropriately, and do independent research.