On Saturday, Nov. 29, XRP sits at $2.21 with a market cap near $133.4 billion, a snapshot that reflects a year of swings, surprises, and the occasional eyebrow raise. Daily action is quiet at +1.5%, but stretch it to seven days, and the picture sharpens into a 14.5% climb.

Over the past month, XRP dipped 8%, and year-to-date, however, shows a decent rise of –6.3%, as the coin had a rocky first half of 2025 that included its mid-July all-time high of $3.65 and all the turbulence that followed. The 12-month view tells a different story, with a 22% gain pointing to how far the asset has traveled since late 2024.

Meanwhile, RLUSD has been making its own entrance—one that seems to have skipped subtlety altogether. Its market cap crossed the $1 billion mark and kept climbing, recently sitting around $1.261 billion. That growth, combined with regulatory approval in Abu Dhabi, means the stablecoin is beginning to appear in more conversations, particularly those involving cross-border settlement pipelines and institutional trials.

None of this guarantees glory, but it does add new context to XRP’s market behavior. The recent wave of integrations does not magically transform XRP or RLUSD into market darlings, but they do highlight a shift. Several financial institutions have begun testing RLUSD for payment settlement infrastructure, including BNY Mellon, DBS Bank, Franklin Templeton, Standard Chartered, and SBI.

Ripple’s internal strategy is also being discussed in the community, particularly around RLUSD’s role in reducing pressure on XRP’s reserves. The idea is straightforward: if RLUSD becomes a revenue stream of its own, XRP wouldn’t need to shoulder the burden of liquidity sourcing. Whether that actually happens—or whether the market even reacts meaningfully—is a separate matter. For now, it’s simply one more variable in a sector allergic to predictability.

Outside the liquidity chatter, the XRP Ledger has inched its way past the 100-million-ledger milestone, something long-time observers view as a symbolic checkpoint. Exchange-traded fund (ETF) speculation also continues lingering in the air. XRP-linked ETFs pulled in $22.68 million in net inflows on Nov. 28.

Sosovalue.com stats show the latest ETF market action nudged cumulative totals to $666.61 million and pushed overall net assets across the lineup to $687.81 million — roughly 0.52% of XRP’s market cap. XRPL’s Nasdaq-listed fund grabbed the biggest haul at $9.07 million, trailed by Bitwise at $2.93 million and Franklin at $10.68 million, while Grayscale sat the day out with no fresh inflows.

Read more: Crypto Market Ends November Down $600B Despite Late Surge

As for December price expectations, the forecasts spread out like a roulette wheel. Optimistic scenarios imagine $2.85 to $4.50. Moderate models cluster around $2.23 to $2.70. Conservative estimates hover near $2.18. The most common consensus lands somewhere between $2.50 and $3.00—slightly optimistic, but not detached from reality.

Each prediction hinges on liquidity conditions, ETF moves, and whether the market wakes up in a charitable mood. None of it is destiny; all of it is speculation. The final weeks of 2025 will test the durability of both XRP’s chart and RLUSD’s growth curve. Macro factors could easily tilt sentiment overnight.

Exchange reserves could tighten or expand. And as always, crypto could do something completely unexplainable just to remind everyone that volatility doesn’t take holidays. But if momentum holds even loosely, XRP may attempt at least one more push before the year resets—whether that becomes a sprint or a stumble is entirely up to the market, not the hype.

• What is XRP trading at right now? XRP is hovering near $2.21 with stable liquidity.
• Why is RLUSD being discussed so much? RLUSD’s rapid growth and recent regulatory approval have put it in the spotlight.
• What are analysts expecting for XRP in December? Most estimates fall between $2.50 and $3.00 depending on market conditions.
• What could influence XRP next? Liquidity changes, institutional tests, and broader market direction will play major roles.

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