XRP Today's News: Market Structure Bill Vote Imminent! XRP Bullish Structure Remains Steady, Returning to $3 Could Be Just Around the Corner?

As the U.S. Senate Banking Committee is scheduled to hold a review and vote on the Critical Digital Asset Market Structure Act on https://www.gate.com/price/xrp-xrp###January 15, 2026https://www.gate.com/price/xrp-xrp[XRP], the XRP market is holding its breath. Driven by optimistic expectations, XRP’s price surged to a high of @E5@$2.4154@E5@ on January 6, reaching a new high since November last year, followed by a slight pullback due to profit-taking. Despite short-term volatility, strong capital inflows continue into the spot ETF—net inflows since listing have reached @E5@$1.25 billion@E5@, far surpassing Bitcoin ETFs during the same period—and combined with positive fundamentals, support a medium-term bullish outlook, with market focus on upside targets of https://www.gate.com/price/xrp-xrp($3.0https://www.gate.com/price/xrp-xrp) and https://www.gate.com/price/xrp-xrp[XRP]$3.66https://www.gate.com/price/xrp-xrp(.

Legislative Storm: How the Market Structure Bill Could Reshape XRP’s Destiny

In early 2026, a legislative process that could determine the future landscape of the U.S. crypto industry for years to come has placed XRP at the center of market attention. U.S. Senate Banking Committee Chair Tim Scott officially announced that the committee will hold a “review and vote” on a comprehensive Digital Asset Market Structure Act on https://www.gate.com/price/xrp-xrp)January 15, 2026https://www.gate.com/price/xrp-xrp. This critical procedure means the bill draft will undergo amendments, debates among committee members, and a final vote to decide whether to submit it to the full Senate. For XRP, this legislation is widely interpreted as a historic opportunity following its decisive victory in August 2025 in the lawsuit against the U.S. Securities and Exchange Commission (SEC).

The core goal of the bill is to establish clear regulatory “rules of the road” for digital assets. Analysts generally expect the bill to further clarify the non-security status of certain digital assets (such as XRP) through legislative means, removing the last compliance hurdles for large-scale institutional investment. Historically, XRP’s price has been deeply tied to U.S. regulatory developments: from the July 2023 ruling by Judge Analisa Torres that “programmatic sales do not constitute securities offerings,” to the SEC’s withdrawal of its appeal in 2025 under new leadership, each legal development has triggered intense market volatility. This legislative vote is a key step in translating judicial rulings into statutory law, with significant symbolic and practical implications.

Market optimism about the bill’s passage has directly translated into strong price momentum. Since December 31, 2025, XRP has risen from https://www.gate.com/price/xrp-xrp$1.8103https://www.gate.com/price/xrp-xrp, reaching a peak of @E5@$2.4154@E5@ within just a few trading days. This rally is not mere speculation; it is backed by long-term institutional optimism that, with regulatory clarity, XRP’s real-world utility (such as cross-border payment solutions) can be massively unleashed. If the bill passes, the U.S. will establish a more predictable regulatory framework, likely igniting genuine institutional demand for XRP beyond mere trading.

Institutional Backing: The Massive Capital Flows into Spot ETF Reveal the “Smart Money” Trend

If legislative expectations outline the future blueprint, then the capital data following XRP spot ETF listing provides the most solid, quantifiable proof of current market confidence. Since its debut in November 2025, XRP spot ETF has demonstrated remarkable capital attraction. As of January 6, its cumulative net inflow has reached @E5@$1.25 billion@E5@, far exceeding the https://www.gate.com/price/xrp-xrp$793.56 millionhttps://www.gate.com/price/xrp-xrp inflow of the SOL spot ETF during the same period, and outperforming the veteran Bitcoin spot ETF, which experienced a net outflow of @E5@$1.7 billion@E5@.

Data from January 6 is particularly representative: despite XRP’s price retreating from its high, the ETF’s single-day trading volume remained high at https://www.gate.com/price/xrp-xrp$58.11 millionhttps://www.gate.com/price/xrp-xrp, with a net inflow of https://www.gate.com/price/xrp-xrp$19.12 millionhttps://www.gate.com/price/xrp-xrp, continuing the impressive record of “zero outflow days” since launch. This sustained and steady capital inflow strongly suggests that a powerful, long-term institutional force is systematically building XRP positions. These investors are not short-term traders chasing intraday volatility but are focused on XRP’s long-term ecosystem value and payment infrastructure under clear regulation.

This “smart money” trend resonates perfectly with the legislative process. Institutional investors are evidently pre-positioning for a potential paradigm shift in regulation. XRP spot ETF, as a regulated and accessible financial instrument, has become a primary bridge for traditional capital to enter this space. The massive capital inflows not only provide direct buying support for XRP’s price but also reflect a broader acceptance of XRP’s legal status as a “non-security,” shifting from court rulings to mainstream investment practices. This institutional backing is far more persuasive than any market propaganda.

Key Market Data and Technical Analysis of XRP

• Recent Price High: https://www.gate.com/price/xrp-xrp$2.4154https://www.gate.com/price/xrp-xrp (January 6, 2026)
• Key Legislative Date: Senate Banking Committee decision on https://www.gate.com/price/xrp-xrpJanuary 15, 2026https://www.gate.com/price/xrp-xrp
• Cumulative Net Inflows of Spot ETF: $1.25 billion since listing
• Single-day Net Inflow Record: $19.12 million on January 6
• Key Technical Levels:
  • Immediate Resistance: 200-day Exponential Moving Average (EMA) https://www.gate.com/price/xrp-xrp$2.3469https://www.gate.com/price/xrp-xrp
  • Core Support: 50-day EMA https://www.gate.com/price/xrp-xrp$2.0735https://www.gate.com/price/xrp-xrp and psychological level https://www.gate.com/price/xrp-xrp$2.0https://www.gate.com/price/xrp-xrp
  • Upside Targets: Short-term https://www.gate.com/price/xrp-xrp$2.5https://www.gate.com/price/xrp-xrp, medium-term https://www.gate.com/price/xrp-xrp$3.0https://www.gate.com/price/xrp-xrp, long-term https://www.gate.com/price/xrp-xrp$3.66https://www.gate.com/price/xrp-xrp
• Market Structure: Price has built a bullish foundation above https://www.gate.com/price/xrp-xrp$2.0https://www.gate.com/price/xrp-xrp; breaking above the 200-day EMA will confirm a trend reversal.

Chart Dynamics: Bull-Bear Confrontation at Key Technical Levels

Amid positive fundamentals, the technical charts of https://www.gate.com/price/xrp-xrp show a complex picture of fierce battle between bulls and bears. On January 6, XRP’s price hit a recent high but closed down 1.88%, at https://www.gate.com/price/xrp-xrp$2.3028https://www.gate.com/price/xrp-xrp, placing it just below the critical 200-day EMA but still above the 50-day EMA. This pattern is often interpreted by technical analysts as a sign of a short-term bullish bias while the long-term trend remains uncertain. The pullback partly results from natural profit-taking after five consecutive days of gains, a healthy technical correction.

Market participants are closely watching several key technical levels. The first is the 200-day EMA at https://www.gate.com/price/xrp-xrp$2.3469https://www.gate.com/price/xrp-xrp, which acts as the primary barrier for bulls; whether it can be sustained as support is crucial for confirming a full-blown bull market. A successful breakout would target the next resistance at https://www.gate.com/price/xrp-xrp$2.5https://www.gate.com/price/xrp-xrp. On the downside, the support zone is defined by the 50-day EMA at https://www.gate.com/price/xrp-xrp$2.0735https://www.gate.com/price/xrp-xrp and the psychological level of https://www.gate.com/price/xrp-xrp$2.0https://www.gate.com/price/xrp-xrp. As long as prices stay above this support, the bullish structure initiated in late 2025 remains intact.

From a broader pattern perspective, XRP’s price action is forming a potential bullish base. Analysts note that consolidation and rebounds above https://www.gate.com/price/xrp-xrp$2.0https://www.gate.com/price/xrp-xrp mark a significant shift in market sentiment. If subsequent movements create “higher lows” and volume breaks recent highs, a classic upward trend structure will be established, laying the groundwork for medium-term rallies. Targets of https://www.gate.com/price/xrp-xrp$3.0https://www.gate.com/price/xrp-xrp (4-8 weeks) and https://www.gate.com/price/xrp-xrp$3.66https://www.gate.com/price/xrp-xrp (8-12 weeks) are reasonable technical goals. However, all of this depends on prices holding above the critical support at https://www.gate.com/price/xrp-xrp$2.0https://www.gate.com/price/xrp-xrp; failure to do so risks invalidating the bullish setup.

Outlook and Risks: Navigating the Future Amid Multiple Macro Variables

Looking ahead over the coming weeks and months, https://www.gate.com/price/xrp-xrp’s trajectory will be shaped by a complex interplay of macroeconomic factors and key events. The most immediate catalyst is the January 15 Senate Banking Committee vote. Any positive progress, such as passing the bill with a favorable margin, could trigger a price surge and even a breakout above the 200-day EMA. Meanwhile, capital flows into XRP spot ETF will continue to serve as a real-time indicator of institutional sentiment; persistent net inflows will support prices.

However, the path to https://www.gate.com/price/xrp-xrp$3.66https://www.gate.com/price/xrp-xrp is not without hurdles, requiring several key conditions to align. First, the Federal Reserve’s monetary policy must shift toward easing. The market currently expects a first rate cut around March 2026, but if this is disappointed by strong economic data, risk assets could weaken. Second, the global liquidity environment faces challenges, especially if the Bank of Japan unexpectedly adopts a hawkish stance, raising neutral rates (e.g., 1.5%-2.5%), which could trigger yen carry trades unwinding and impact high-volatility assets including cryptocurrencies.

Additionally, the legislative process itself may encounter delays or amendments. Even if the bill passes the committee, it still needs approval from the full Senate, the House, and reconciliation between chambers. Any unexpected delays or significant concessions could dampen market enthusiasm. Ultimately, XRP’s ecosystem development and broader adoption by mainstream financial institutions will be fundamental to sustaining a long-term upward trend, aiming to challenge historical highs of https://www.gate.com/price/xrp-xrp$3.66https://www.gate.com/price/xrp-xrp and beyond (e.g., https://www.gate.com/price/xrp-xrp$5https://www.gate.com/price/xrp-xrp). After the short-term legislative windfall, markets will inevitably refocus on real utility and growth potential.

The SEC Ripple Lawsuit: Key Rulings and Developments

The current legal and market landscape for XRP is rooted in a multi-year legal battle. The SEC filed suit against Ripple and its executives in late 2020, alleging unregistered securities offerings through XRP sales. The core issue is whether XRP should be classified as a “security.”

A turning point came in July 2023 when Judge Analisa Torres issued a partial summary judgment. She ruled that Ripple’s direct sales of XRP to institutional investors constitute unregistered securities offerings, but “programmatic sales” through exchanges do not. This ruling provided a legal basis at the judicial level for XRP’s non-security status in certain transactions, triggering a sharp rally in XRP’s price.

Subsequently, the SEC attempted to appeal this decision, but with a leadership change in 2025, new Chair Paul Atkins decided to withdraw the appeal. In August 2025, the U.S. Federal Court of Appeals officially approved the withdrawal, marking a milestone in the legal battle. This victory not only alleviates the largest legal cloud over Ripple and XRP but also sets a key precedent for the entire crypto industry in resisting the SEC’s expansive securities definition, providing ammunition for future legal defenses and legislative discussions on market structure.

XRP Spot ETF Performance and Competitive Landscape

Since its November 2025 launch, XRP spot ETF has rapidly become a standout in the crypto ETF market. Its success is the result of multiple converging factors.

First, it occupies a “regulatory clarity window.” After Bitcoin and Ethereum ETFs, XRP is the first major crypto asset ETF approved following a significant legal victory. This reduces regulatory uncertainty for institutional investors. Second, it taps into a specific demand for “payment-focused cryptocurrencies.” Unlike Bitcoin’s “digital gold” narrative, XRP emphasizes cross-border payments and interbank value transfer, attracting investors optimistic about traditional financial infrastructure transformation.

In terms of competition, XRP ETF’s initial capital inflows have far exceeded those of the SOL spot ETF, which launched in October 2025 with about $793.56 million. More impressively, it has even attracted funds away from the veteran Bitcoin spot ETF, which experienced net outflows of $1.7 billion during the same period. This indicates capital rotation within the crypto space and highlights the strong appeal of new ETF products driven by positive events like legal wins and legislative expectations. Its ongoing success will set a performance benchmark and confidence reference for other projects seeking to launch spot ETFs, such as Cardano and Polkadot.