XRP Price Prediction January 2026: US Banks Push to Kill Stablecoin Yields as DeepSnitch AI Races Toward Launch With 116% Gains
XRP technical analysis shifts as banks lobby Congress on stablecoin yields. DeepSnitch AI presale surges 116% with major announcement coming in weeks.
US community banks just fired a warning shot at Congress. The Community Bankers Council wants lawmakers to shut down what it calls a loophole in the GENIUS Act, one that lets crypto exchanges offer yield on stablecoins. The group claims this could pull $6.6 trillion out of traditional banking.
But while regulators fight over yield, traders are piling into altcoins with high upside. In this article, we’ll look at the top 3 picks: DeepSnitch AI, Solana, and the XRP price prediction. Of three DeepSnitch AI is emerging as the favorite due to having raised over $1.1 million in stage 4 presale funding at a price of just $0.03269.
Ripple ecosystem updates: Banks push Congress to ban stablecoin yield
The American Bankers Association’s Community Bankers Council sent a letter to the Senate on Monday demanding changes to the GENIUS Act. The group, representing over 200 community bank leaders, wants Congress to ban crypto exchanges from offering yield on stablecoins. The council claims companies exploited a loophole that lets platforms like Coinbase and Kraken pay rewards to stablecoin holders.
The GENIUS Act already prohibited stablecoin issuers from paying interest directly, but exchanges found a workaround. The Banking Policy Institute, led by JPMorgan CEO Jamie Dimon, warned in August that this could trigger $6.6 trillion in deposit outflows from traditional banks. Crypto advocacy groups argue the proposed changes would stifle innovation and consumer choice.
Top 3 altcoins to surge off this news in January 2026:
- DeepSnitch AI (DSNT): Presale token surges 116% as launch date looms just weeks away
Most retail traders lose money for two reasons: they find information late, or they buy tokens that are structurally rigged. DeepSnitch AI now solves both problems.
The platform just rolled out its v7 update, adding AuditSnitch to the suite. You paste a contract address and get a plain verdict: CLEAN, CAUTION, or SKETCHY. It checks ownership control, liquidity locks, taxes, transfer restrictions, and known exploit patterns. For retail traders, it helps you avoid buying into a trap before you lose money.
The workflow now makes it dead-simple for traders to DYOR. The dashboard shows what tokens are spiking through SnitchFeed. You open Token Explorer to check risk and liquidity. You run AuditSnitch on the contract. If it flags CAUTION or SKETCHY, you know what you are dealing with. If it comes back CLEAN, you removed the instant rug landmines. And if you do not want to interpret dashboards, SnitchGPT lets you ask plain questions and get explanations.
The presale is now in Stage 4 fundraising at $0.03269, up 116% from the initial $0.01510 offering. Over $1.1 million has been raised. The team is expected to soon drop a major announcement in the coming days, and with less than three weeks until launch, this could be one of the last windows to buy DeepSnitch AI at presale pricing.
In the coming sections we’ll take a look at the XRP price prediction, but first, let’s review Solana:
- Solana: Price gains mask stalled momentum
Solana is trading at $138.39 on January 7, posting a 10.4% gain over the past seven days but down 0.7% in the last 24 hours. The token remains 52.6% below its all-time high of $293.31 set on January 19, 2025.
Morgan Stanley is actively seeking regulatory approval to launch Solana ETFs, signaling growing institutional interest. However, with a market cap of $78 billion, the upside is increasingly priced in. For traders chasing 10x or 100x returns, smaller presale projects like DeepSnitch AI offer far more asymmetric potential at a fraction of the entry cost.
Now let’s take a look at the XRP price prediction:
- XRP price prediction: Token surges 20.7% as whale activity intensifies
XRP’s price prediction is trading at $2.25 on January 7, posting a 20.7% gain over the past seven days but down 5.7% in the last 24 hours. The token remains 38% below its all-time high of $3.65 set on July 18, 2025.
Recent XRP price prediction models point to increased whale activity, with one whale holding an $87.95 million XRP long position on Hyperliquid, currently facing $1.05 million in unrealized losses. Market sentiment around the XRP price prediction remains bullish, though analysts warn the true test will come when larger players begin taking profits.
With a market cap of $136 billion, the XRP long-term outlook faces the same challenge as other major tokens. The upside is increasingly priced in. XRP technical analysis suggests the token may struggle to reclaim its all-time high in the near term. For traders seeking asymmetric returns, early-stage presale projects like DeepSnitch AI offer far more explosive upside potential at a fraction of the entry cost.
What’s the verdict?
While Solana and the XRP price prediction continue to dominate headlines, their upside is increasingly limited by massive market caps. At $0.03269, DeepSnitch AI offers something the majors cannot: early-stage asymmetry with real utility already live.
The presale has raised over $1.1 million with a 116% gain locked in. With a major announcement dropping in the coming days and less than three weeks until launch, this is one of the last windows to buy at presale pricing. A small allocation today could deliver outsized returns when DSNT hits the market.
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FAQs
How high will XRP go in 2026?
Most XRP price prediction models suggest a gradual climb toward $5 to $10 in 2026, depending on regulatory clarity and institutional adoption. However, traders seeking 100x upside are focusing on early-stage projects like DeepSnitch AI, which offers far more explosive potential from its $0.03269 presale price.
Is XRP going to hit $100?
The XRP price prediction for $100 would require a market cap exceeding $6 trillion, making it highly unlikely in the near term. DeepSnitch AI, priced at just $0.03269, offers a more realistic path to life-changing gains with over $1.1 million raised and launch weeks away.
Can XRP reach $10?
The XRP long-term outlook suggests $10 is achievable within the next few years, driven by Ripple ecosystem updates and institutional demand. Still, at a $136 billion market cap, the upside is limited compared to DeepSnitch AI, which could deliver 100x returns from its current presale stage.
