XRP Price Engineering: Why Wall Street is Buying the Dip Before the $100 Billion Explosion

XRP Price Setup: Why Wall Street is Buying the Dip Before the Institutional Explosion

 XRP: The Institutional Infrastructure Asset.

While retail traders are busy staring at 5-minute candles, a massive structural shift is happening behind closed doors. As of December 22, 2025, XRP is sitting at $1.93, nearly 50% below its yearly highs. To the untrained eye, this looks like weakness. To Wall Street, this is the ultimate accumulation zone.

Is XRP’s price being "engineered" for a massive breakout? Let’s connect the dots that almost nobody is talking about.

The Lending Revolution: XRP as "Financial Plumbing"

The XRP Ledger (XRPL) is no longer just a payment rail; it’s becoming a global lending hub. Ripple is preparing native on-chain lending, allowing institutions to borrow XRP exactly how they borrow dollars in traditional money markets.

• Why this matters: Institutions don't buy assets just to "HODL." They need utility, collateral, and liquidity loops.
• The Result: By treating XRP as financial plumbing rather than a speculative token, the supply is being locked into productive use cases, creating a "Supply Shock" that retail hasn't priced in yet.

The Berkshire Hathaway Parallel: A Network Asset, Not a Memecoin

Wall Street veterans are now comparing XRP’s trajectory to the early days of Berkshire Hathaway.

• The Boring Phase: Berkshire traded sideways and was ignored for years while the infrastructure was being built.
• The Inflection Point: XRP is currently in that "misunderstood" phase. While the crowd complains about slow price action, the infrastructure—ETFs, lending protocols, and institutional custody—is being finalized.
• Selling now might be the same mistake early Berkshire sellers made before it became a $600,000+ per share asset.

XRP vs Berkshire Hathaway institutional growth comparison.

This transition from a speculative token to an institutional infrastructure asset is exactly what we are observing with other major cryptocurrencies. As we explored in our analysis of Michael Saylor’s Bitcoin 20-Year Forecast, institutions are hunting for assets that can be transformed into 'Digital Credit,' and XRP is now officially entering that elite club.

The ETF Supply Lock: $1.3 Billion and Counting

In just a few short weeks, XRP Spot ETFs have accumulated over $1.3 billion in AUM, locking up nearly 710 million XRP.

• January 2026 Forecast: We are on track to hit 1 billion XRP locked in ETFs by the end of next month.
• Institutional Absorption: This isn't retail FOMO; this is Wall Street removing supply from the open market. When supply vanishes and utility (lending) increases, the price has only one logical direction to go.

Hong Kong’s Green Light: Capital Permission is Here

The breaking news from Hong Kong is the final piece of the puzzle. Insurance authorities are moving to allow crypto investments.

• Conservative Capital: Insurance companies are the most conservative pools of money on Earth. If they are allowed in, the "risk framework" for XRP has officially changed.
• Regulatory Normalization: This is the bridge between "Permissionless" and "Institutional." Capital permission always precedes price expansion.

Hong Kong insurance crypto regulations and XRP ETF growth.

Market Check: BTC $90K and the Road Ahead

Bitcoin has successfully broken $90,000 this morning, signaling the start of the "Santa Rally."

• Bitcoin Target: $94,000 is the immediate level, with a path toward $103,000 in early 2026.
• The XRP Lag: XRP historically moves slower but with higher intensity once the "supply wall" is broken. With Bitcoin leading the way, the stage is set for an XRP catch-up trade that could shock the market.

While we monitor Bitcoin’s breakout above the $90,000 level, we shouldn't overlook the movements in other altcoins. In our recent Ethereum Price Update, we saw how Cumulative Volume Delta (CVD) began flashing positive signals similar to what we are seeing with XRP right now. Furthermore, XRP’s stability above $1.90 reminds us of the XRP ETF growth and historical breakout plans we discussed previously.

Disclaimer: This analysis is for educational purposes only and does not constitute financial advice. Always do your own research before trading.