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The cryptocurrency market on January 11, 2026, witnessed a mixed bag of significant price movements, crucial regulatory discussions, notable project updates, and a burgeoning recovery in the NFT sector. The total market capitalization stood resiliently around $3.18 trillion amidst a climate of caution and apprehension among investors.
Market Performance: Bitcoin Consolidates, Ethereum Shows Resilience, Altcoins Diverge
Bitcoin (BTC), the leading digital asset, spent the day largely consolidating within the $90,000-$91,000 range. While some reports indicated a slight dip to $97,474, other consistent data points placed it closer to $90,662. This follows a period where Bitcoin has been range-bound between $90,000 and $93,000, failing to achieve decisive breakouts. Investor caution is evident, with spot market inflows hitting a six-week low at $282 million, and institutional investors reducing their exposure after a strong start to the year. Analysts are closely monitoring key macro policy decisions, including Federal Reserve leadership, with policy uncertainty dampening risk appetite. Indeed, some technical analyses suggest a potential further decline, with Bitcoin possibly testing the $68,000 mark, representing a 25% drop from current levels, breaking below its 50-week moving average for the first time since October 2023. The overall sentiment reflected by the Fear & Greed Index is at a cautious 29, signaling widespread apprehension.
Ethereum (ETH) navigated a similar landscape, consolidating above the $3,000 mark, with its price around $3,095 to $3,150. Despite a slight increase of 0.43% in 24 hours, it mirrored Bitcoin's cautious positioning ahead of macroeconomic catalysts. Experts like Wall Street analyst Tom Lee predict Ethereum could soar to $9,000, representing a 177% increase in 2026, though some acknowledge his vested interest as a holder of significant Ether. More conservative predictions suggest it could hit $4,000 in 2026, driven by continuous network upgrades.
In the altcoin market, there was notable divergence. XRP experienced an 8.61% drop, trading at $2.26, while Monero (XMR) surged by 7.33%. Maple Finance (SYRUP) also bucked the trend with a 1.29% rise. Discussions around XRP highlight its potential for integration into global settlement systems like SWIFT, with regulatory clarity being a key factor for institutional adoption.
Regulatory Landscape: US Clarity Act and Global Frameworks
Regulation remains a central theme, with the US Senate scheduled to vote on the CLARITY Act on January 15. This proposed legislation aims to establish clearer rules for digital assets, targeting issues like fake volume, wash trading, and opaque reserves. However, concerns persist regarding the US regulatory environment, especially the perceived failure of recent market structure bills to adequately address decentralized finance (DeFi), which could lead to an exodus of crypto innovation from American shores. On a more positive note, the US has laid the groundwork for stablecoins to integrate into mainstream finance with the passing of the GENIUS Act in 2025, which established a comprehensive federal framework for dollar-backed stablecoins.
Internationally, Europe's Markets in Crypto-Assets Regulation (MiCAR) has imposed stringent requirements on stablecoin issuers, yet stablecoin market share has not expanded as anticipated, partly due to structural factors and the euro's limited role in global trade. Conversely, Dubai is solidifying its position as a global hub for digital asset trading, attracting institutions with its clear regulatory frameworks, such as the Virtual Assets Regulation (VAL) law.
Significant Project Developments and Security Incidents
Several projects saw important updates and events today. Aptos initiated an unlock of 11.31 million tokens, representing approximately 0.73% of its released supply. COTI underwent its Helium Mainnet Upgrade, introducing native 128-bit and 256-bit support to enhance private computation for confidential DeFi and Real-World Assets (RWAs). Qtum announced a Hard Fork to align with the latest Bitcoin 29.1 release and integrate the Ethereum Pectra update. Optimism (OP) held an X Space to discuss a token buyback governance proposal.
Ethereum's development continues with planned upgrades in 2026, including 'Glamsterdam' and 'Hegota,' aimed at improving scaling and transaction efficiency. A 'Blob Parameters Only' fork was recently implemented as part of the Fusaka upgrade, increasing data availability for Layer 2 solutions.
A notable security incident on January 8 saw a hacker launder $26 million in ETH through Tornado Cash, following an exploit of a smart contract vulnerability in the Truebit Protocol. This marks the first major DeFi breach of the year. Meanwhile, whales in the Aave ecosystem reportedly accumulated 8% of the supply following a previous sell-off, signaling potential smart money positioning.
NFT Market: Signs of Recovery Amidst Lingering Skepticism
The Non-Fungible Token (NFT) market is showing unexpected signs of recovery, with sales volume jumping over 30% in the first week of January 2026, ending a three-month downtrend. The overall NFT market capitalization has increased by more than $220 million in the past week. Utility-driven and celebrity-backed NFTs are garnering renewed interest, although new capital inflows remain scarce, suggesting that the rebound is largely fueled by existing holders. Some analysts remain optimistic, predicting a potential bull run later in 2026, driven by enterprise adoption and technological integration. However, the market faces skepticism, given that total transaction volume in 2025 significantly declined, and events like NFT Paris were canceled due to lack of funding, indicating that a full recovery is still a distant prospect for many.
In conclusion, January 11, 2026, presents a cryptocurrency market in a state of flux. While Bitcoin and Ethereum grapple with consolidation and cautious investor sentiment, regulatory clarity and ongoing technological advancements continue to shape the industry's future. The NFT sector is attempting a comeback, highlighting the dynamic and ever-evolving nature of the digital asset space.
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How are institutions and celebrities predicting Bitcoin prices in 2026?
The table below shows the price predictions for Bitcoin by relevant institutions and prominent figures at the end of 2025. All information was collected from publicly available online sources.
Optimistic views are primarily based on the Federal Reserve's interest rate cuts, increased institutional allocation, and structural buying driven by spot ETFs, with targets mostly concentrated between $150,000 and $250,000. Cautious and bearish views emphasize that slowing demand, macroeconomic tightening, or technical structural disruption could trigger a deep pullback, with scenarios potentially leading to declines to $70,000, $56,000, $25,000, or even $10,000.
Some of these institutions' and celebrities' past predictions were very close to Bitcoin's price performance, while others were quite far off. Therefore, please consider these predictions objectively in conjunction with more information.
In summary, Bitcoin's price performance in 2026 will primarily be driven by the implementation of the US National Bitcoin Strategic Reserve policy and the macro liquidity resulting from global monetary easing. Meanwhile, the market's cyclical recovery demand following the significant correction in 2025, the continued allocation of institutional funds, and global geopolitical and inflationary pressures will also be key variables influencing its price trend.
| Institutions and Celebrities | Introductions | Bitcoin target price in 2026 | Attitude |
|---|---|---|---|
| Charles Hoskinson | Cardano founder | $250,000 | Very optimistic |
| Robert Kiyosaki | Rich Dad, Poor Dad author | $250,000 | Very optimistic |
| Galaxy Digital | Crypto asset management company | $250,000 | Very optimistic |
| Arthur Hayes | BitMEX co-founder | $200,000+ | Very optimistic |
| Brad Garlinghouse | Ripple CEO | $180,000 | Very optimistic |
| VanEck | Investment companies specializing in ETFs | $180,000 | Very optimistic |
| JPMorgan | A leading global financial services group | $170,000 | Very optimistic |
| Tom Lee | Fundstrat founder | $150,000–$200,000 | Very optimistic |
| Standard Chartered Bank | British International Commercial Bank | $150,000 | Optimistic |
| Bernstein Research | Wall Street investment banks | $150,000 | Optimistic |
| Bitwise | Crypto asset management company | $150,000 | Optimistic |
| Citigroup | Global financial services group | $143,000 | Optimistic |
| Grayscale | The world's largest crypto asset management company | Breaking all-time high | Optimistic |
| Jurrien Timmer | Fidelity Director of Global Macro | $75,000 | Pessimistic |
| CryptoQuant | On-chain data analytics platform | $56,000~$70,000 | Pessimistic |
| Peter Brandt | Legendary trader with over 40 years of experience | $25,000 | Very Pessimistic |
| Mike McGlone | Senior Commodity Strategist at Bloomberg Intelligence | $10,000 | Very Pessimistic |
What will the price of RLUSD be in 2027?
In 2027, based on a +5% annual growth rate forecast, the price of Ripple USD(RLUSD) is expected to reach $1.05; based on the predicted price for this year, the cumulative return on investment of investing and holding Ripple USD until the end of 2027 will reach +5%. For more details, check out the Ripple USD price predictions for 2026, 2027, 2030-2050.What will the price of RLUSD be in 2030?
About Ripple USD (RLUSD)
What Is Ripple USD (RLUSD)?
Ripple USD (RLUSD) is a United States dollar–pegged stablecoin created by Ripple, the company best known for developing the XRP Ledger and the digital asset XRP. Launched in December 2024, each RLUSD token maintains a fixed value of one U.S. dollar, backed by an equivalent amount of cash or cash-equivalent reserves such as short-term U.S. Treasuries. This structure aims to provide stability for transactions, trading, and payments, reducing the volatility common in many cryptocurrencies.
The stablecoin is issued by Standard Custody & Trust Company, LLC (SCTC), a Ripple subsidiary regulated by the New York Department of Financial Services (NYDFS). This regulatory oversight includes strict compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) standards, placing RLUSD in the category of regulated digital assets. Ripple launched RLUSD in late 2024 as part of its effort to expand its role in cross-border payments and digital finance.
Available on both the XRP Ledger (XRPL) and the Ethereum blockchain, RLUSD offers interoperability between two widely used blockchain ecosystems. On XRPL, RLUSD benefits from fast settlement and low transaction fees, while on Ethereum it functions as an ERC-20 token, allowing integration with a broad range of decentralized finance (DeFi) applications.
How Ripple USD Works
RLUSD operates as a fiat-backed stablecoin with a 1:1 reserve model. For every RLUSD token issued, an equivalent value in U.S. dollars or approved low-risk assets is held in segregated reserves at U.S.-based financial institutions. Independent certified public accountants conduct monthly attestations to verify the accuracy of these reserves. Public reports provide transparency on circulating supply, reserves, and token issuance or redemption.
On the XRP Ledger, RLUSD is implemented as an issued currency, enabling rapid and inexpensive transactions suitable for cross-border payments, remittances, and institutional settlements. On Ethereum, RLUSD follows the ERC-20 token standard, making it compatible with decentralized exchanges, lending protocols, and other smart contract–based services. This multi-chain approach gives users flexibility in choosing their preferred environment for storage, transfers, and integration.
RLUSD can be held in both custodial and non-custodial crypto wallets. Custodial wallets are managed by a third party, offering account recovery options and customer support but with less privacy. Non-custodial wallets give users full control over their private keys, increasing privacy and independence but requiring greater responsibility for security. The stablecoin is supported by a growing list of centralized exchanges, decentralized exchanges, and on/off-ramp providers.
Is Ripple USD Safe?
Several factors contribute to RLUSD’s security and reliability. First, SCTC’s NYDFS charter requires compliance with established U.S. financial regulations, offering a legal framework for operations. Second, the backing reserves consist of cash and high-quality liquid assets held at reputable institutions, with regular third-party attestations providing public proof of coverage. This reduces the risk of under-collateralization.
In addition, RLUSD smart contracts on Ethereum undergo independent audits to ensure they meet industry security standards. Ripple also maintains certifications such as SOC 2 Type II and ISO 27001, along with an active Threat and Vulnerability Management program. Users, however, must still follow best practices for digital asset storage. The safety of RLUSD in practice depends not only on its reserve model and compliance measures but also on the wallet security and operational practices of the holder.
Conclusion
Ripple USD (RLUSD) combines the stability of a fiat-backed digital currency with the versatility of blockchain technology. Its dual presence on the XRP Ledger and Ethereum allows for both fast, low-cost settlements and broad DeFi integration. With regulated issuance, transparent reserve reporting, and multi-chain support, RLUSD is designed to serve individuals, businesses, and institutions seeking a reliable digital asset for payments, trading, and settlement. As with all cryptocurrencies, prospective users should evaluate both the benefits and the operational considerations before holding or transacting with RLUSD.
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