XRP surged 25-30% in the first week of 2026, breaking $2.35 and reclaiming a $140B+ market cap, solidifying its top‑4 ranking and earning CNBC’s recognition as the year’s hottest crypto trade over Bitcoin and Ethereum. Spot ETFs attracted over $1.3B in inflows with $46M daily, while exchange reserves fell to multi‑year lows, signaling whale accumulation. Trading volume spiked to $7-8B daily, and analysts like Standard Chartered eye $4-$8 targets, fueled by fading SEC concerns and growing payment adoption. Even with RSI overbought, XRP’s momentum shows no signs of slowing.
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