XRP Nears $3 After Stagnation, Boosting Crypto Payroll Momentum

Following a period of price stagnation despite positive news, XRP is now approaching the $3 psychological barrier. This upward shift aligns with increasing business interest in cryptocurrency payroll, supported by post-SEC regulatory clarity, stable markets, and stablecoin innovations.

Building on recent price stagnation amid favorable developments, XRP is gaining momentum toward the $3 level—a key psychological threshold that often amplifies trader emotions like FOMO and reversal fears, driving volatility.

With Ripple's SEC issues resolved, regulatory clarity persists, building confidence for crypto payroll integration. Broader crypto recovery, including Bitcoin's stability, allows XRP to hold above prior trendlines and target $3.

Stablecoins address volatility risks in salary payments, maintaining value consistency. Employer of Record services facilitate regulatory compliance, letting employees opt for crypto while keeping businesses agile. These tools could improve retention and showcase forward-thinking compensation.

Into 2026, XRP's advance may accelerate digital currency use in HR, transforming payroll and engaging modern workforces.

Makala yanayohusiana

Illustration of XRP price pressure at $1.87 amid Q4 decline, supported by institutional ETF inflows, hinting at 2026 recovery.
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XRP ends 2025 under pressure despite strong institutional inflows

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XRP concluded 2025 with a mildly negative performance, trading near $1.87 after a 38% decline in the fourth quarter. Institutional investors provided key support through consistent inflows into XRP exchange-traded funds, which saw no net outflows since their launch. Analysts predict consolidation in early 2026, with potential for recovery if market catalysts emerge.

A recent analysis from The Motley Fool suggests that XRP, the cryptocurrency, could reach $3 and beyond in the near future. The article highlights three key numbers supporting this outlook. It notes that XRP previously traded above $3 in 2025.

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After a month of sideways trading amid uncertainty, XRP is surging on January 13, 2026, fueled by promising news that has investors speculating on a breakthrough to $5—a price never reached in over a decade.

As XRP navigates regulatory shifts and growing institutional adoption, forecasts for its 2026 price vary widely. A key SEC settlement in August 2025 clarified that XRP sold on public exchanges is not a security, boosting potential for broader use. Yet uncertainties persist, alongside tech advancements that could influence its trajectory.

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Following sideways trading near $1.93 as of December 15, XRP fell to around $1.91 on December 17, breaching $1.92 support with a 5% drop. Bitcoin's sharp swings and institutional selling added pressure, despite ongoing ETF inflows surpassing $1 billion and new infrastructure like CME futures.

Bitcoin briefly surged above $89,000 following softer-than-expected U.S. inflation data on December 18, 2025, but quickly reversed course amid skepticism about the figures. The cryptocurrency settled around $86,000, down 0.8% in 24 hours, as the broader crypto market dropped over 2% to $2.97 trillion. Altcoins like XRP and Ethereum also fell, with $550 million in liquidations triggered.

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Bitcoin climbed above $94,000 on Tuesday, marking a 5% gain, as the cryptocurrency market rallied ahead of the Federal Reserve's interest rate decision. The surge followed President Donald Trump's remarks suggesting the next Fed Chair would lower rates immediately, triggering over $263 million in short liquidations. Altcoins like Ethereum and XRP also rose, though XRP underperformed the broader market.

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