XRP Price Prediction January 2026: Bank of America Goes Bullish, DeepSnitch AI Tops $1M Raised With Launch Looming

Turning crypto exposure into a routine portfolio discussion rather than a special request, Bank of America now allows more than 15,000 wealth advisers to recommend spot Bitcoin ETFs. And capital flows are reflecting that, as crypto funds drew $47 billion in 2025, with altcoins leading, even as January lines up $5.5 billion in token unlocks.

If you’re following XRP price prediction models, even as Ripple ecosystem updates point to steady structural progress, there’s sharper upside to be found beyond large caps. One presale, already past $1.08 million raised, is nearing its launch: 

DeepSnitch AI, in Stage 4 and priced low at $0.03269. This token is up 116% in price since inception, with live tools already in use, and its utility could easily see it run 100x very soon.

Institutional demand rises, unlocks put price discipline back in focus

Institutional adoption has taken yet another step forward, as the Bank of America enabled its wealth advisers across Merrill and its private bank to proactively recommend spot Bitcoin ETFs. Over 15,000 advisers can now fold crypto into standard portfolio conversations rather than treating it as an exception. 

Encouragingly, crypto funds pulled $47 billion in inflows during 2025, just 3% below the previous year’s record. And altcoins led the way. Ether products jumped 138%, XRP surged 500%, and Solana went a full 1,000%. Global crypto ETP assets under management now sit around $180 billion, up from $160 billion before.

But January brings supply pressure too, and over $5.5 billion in token unlocks are scheduled this month, with ONDO ($840 million), BGB ($500 million), HYPE ($327 million), and TRUMP ($270 million) leading the releases. 

Large unlocks can weigh on prices when liquidity is thin, so those of you with an eye on the XRP price prediction should keep these dates on your radar.

Information edges in a market that punishes late entries

1. DeepSnitch AI forecast as launch approaches

DeepSnitch AI is built to close the information gap retail traders have lived with for years, and it’ll do so by monitoring whales, insiders, and influence clusters to surface narrative shifts early,  the same kind of signals that often drive moves long before price reacts.

Its execution is powerful and quite unlike anything seen before. SnitchGPT lets users query live signals conversationally, SnitchScan visualises risk, liquidity, and holder concentration in one place, and the alert feed flags whale activity as it happens. It now has a total of three out of what will, at launch, be five AI agents operating, and early holders are already getting a taste of what this platform has to offer them. 

This is a set of tools designed for action, to solve analysis paralysis. Designed by expert on-chain analysts, and sitting in the heart of a sector of crypto that’s about to soar on its own in 2026, there’s plenty of reason to believe that this is the next 100x moonshot token on the scene.

Whether you’re tracking an XRP price prediction or broader market rotation, timing is nothing but critical. And with over $1 million raised and Stage 4 approaching its close, DeepSnitch AI  offers early access while the market still feels stacked against retail. Holders finally get to be on the winning side of market swings. And really, that’s the whole point.

2. XRP price prediction

XRP technical analysis looks constructive for the foreseeable future, with the falling wedge breakout above $2.10 triggering renewed momentum, and RSI at 62 leaving room for upside. A Golden Cross on 3-hour charts also lends itself to the bullish case.

ETF inflows hit $13.59 million on 3 January alone, extending a 29-day streak of institutional backing, and a Hyperliquid whale opened a $1.16 million leveraged long. From there, 24-hour volume spiked 22% to $3.68 billion. The Ripple ecosystem updates are pointing to $2.56, the 200-day EMA, as the next resistance target.

As for the XRP long-term outlook, this remains bound to regulatory clarity and banking partnerships. Standard Chartered’s $8 projection is assuming continued institutional participation. But at a $132 billion market cap, XRP needs massive capital to move meaningfully, so all XRP price predictions will be limited by that ceiling.

3. Pippin outlook for early 2026

Pippin just cratered 26% in 24 hours after a 1,000%+ three-month rally invited aggressive profit-taking. On-chain data shows roughly 50 wallets control 70% of the supply, and when whales exit, the cascade is brutal. Leveraged longs worth $3.8 million got liquidated in the selloff.

The AI-meme hybrid narrative still has believers, though, and 2026 forecasts project trading ranges between $0.24 and $0.96, implying potential 174% returns from current levels. But the concentration risk is major because, when a handful of wallets can move the market, retail is playing someone else’s game.

For those drawn to the AI-meme crossover, Pippin offers volatility but without utility. Many would just call that gambling, after all. 

Concluding thoughts

Ripple ecosystem updates and institutional momentum make this token a reasonable hold for patient capital. Pippin offers meme-coin volatility for the risk-tolerant. But both Pippin and XRP price predictions remain curtailed by the fact that the best explosive phases are either behind them or dependent on whale games.

In DeepSnitch AI’s case, though, there’s room to run, with tools shipping, staking live with dynamic, uncapped APR, and a full launch looming on the horizon. This kind of intelligence infrastructure, with such razor-sharp utility, is fiercely hard to come by, and everything points to this being the next moonshot token.

For those chasing asymmetric returns, early entry is going to be the make-or-break. So, if you want to buy now, head to the DeepSnitch AI official website to join the presale.

You may also want to follow X and Telegram for further official updates.

FAQs

What is the XRP price prediction for 2026?

XRP price predictions range from near-term resistance around $2.56 at the 200-day EMA to longer-term targets of $7 to $8, including a publicly modelled $8 case from Standard Chartered. But with a $132 billion market cap, upside requires heavy capital, which is why traders seeking higher percentage returns often look to earlier-stage options like DeepSnitch AI.

Is XRP a good investment right now?

The XRP price prediction currently rests on steady ETF inflows, low exchange balances, and Ripple’s long-term role in cross-border payments. The trade-off is scale (a large market cap curbs upside), so pairing XRP exposure with earlier-stage entries like DeepSnitch AI can balance stability with sharper growth potential.

What does XRP technical analysis suggest about near-term price movement?

Short-term XRP price prediction signals remain constructive, with a falling wedge breakout above $2.10, RSI at 62, and the next resistance near $2.56. Still, broader volatility from January unlocks could shake up clean setups, making real-time intelligence tools like DeepSnitch AI useful for tracking whale activity and sentiment shifts alongside technicals.