No IPO for XRP. Ripple, again, shut down IPO talk this week, with President Monica Long saying the company has no need to go public right now.
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XRP
6.44%
XRP
XRP
Price
$2.14
6.44% /24h
Volume in 24h
$4.26B
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Price 7d
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has been a notable performer early in 2026, rising over 25% year-to-date before a recent dip. It currently trades around $2.12, down 7% in the last day, aligning with the broader market pause but underpinned by robust institutional inflows through US spot ETFs.
These funds have accumulated $1.3 billion since launching in November 2025, with minimal outflows and weeks of consistent positive flows. Interestingly enough, XRP has been one of the top-performing major assets in 2026, surpassing Bitcoin and Ether gains, fueled by regulatory progress and ETF demand.
$XRP is leading 2026 with a 25% gain!
To make a comparison, the token is leaving behind both $ETH (+10%) and $BTC (+6%).
ETF inflows crossed $100M with zero outflow days, signaling sticky institutional demand.
Social and on-chain signals align: reserves on Binance are at a… pic.twitter.com/iCjrA4dVU0
— Onur 
(@0xc06) January 8, 2026
Large-scale transactions by whales have also surged, signaling potential upcoming volatility. This week, Ripple once again downplayed IPO speculation, with President Monica Long stressing the company’s strong financial position and emphasis on strategic growth.
Steady ETF capital is transforming how crypto companies approach funding.
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Why Is Ripple XRP Refusing an IPO? Strategic Choice to Stay Private?
Ripple has clearly ruled out any near-term initial public offering (IPO), the process where a private company lists shares publicly, as Coinbase did in 2021, to raise funds and offer liquidity. In a recent interview, President Monica Long reaffirmed the company’s commitment to remaining private, pointing to its solid financial health and lack of need for stock market access. This stance builds on a $500 million funding round in November 2025, led by major investors, that valued Ripple at $40 billion.
In simple terms, Ripple already has cash. Public listings often serve to fuel expansion or allow early backers to cash out, but Ripple’s strong balance sheet, supported by billions in payment volume and numerous global licenses, covers its needs without the added burdens of ongoing disclosures, regulatory filings, or quarterly performance pressures.
This decision is particularly relevant for newcomers who might expect an XRP IPO to directly propel its value. That connection is largely psychological rather than fundamental: Ripple’s corporate stock and XRP tokens operate independently. The favourable outcome of prior regulatory challenges in 2025 has further solidified Ripple’s ability to prioritise long-term innovation over public market demands.
Monica Long confirms Ripple is focused on bringing big investors on-chain and scaling stablecoins like RLUSD. RLUSD has already cleared the NY Trust license, and the next step is a federal charter.
For now, Ripple has no plans for an IPO, the priority for 2026 is compliance… pic.twitter.com/FfRQbxNswx
— Xaif Crypto
|
(@Xaif_Crypto) January 7, 2026
DISCOVER: Top 20 Crypto to Buy in 2026
XRP Price is Showing Resilience As Bitcoin Price Retests $90K Support
XRP’s price hovers near $2.12, reflecting a 7% daily decline that tracks the overall market’s temporary slowdown rather than stemming solely from Ripple’s IPO comments. After a robust start to the year with 25% gains, it sits below its July 2025 high of $3.65. Resistance levels around $2.28 have held firm recently, contributing to the retreat, yet ETF support provides a solid foundation.
US spot XRP ETFs have proven transformative, recording millions in daily inflows and maintaining predominantly positive streaks since inception. Total inflows exceed $1.3 billion, often outpacing those for Bitcoin and Ether products during slower periods. These vehicles allow traditional investors easy exposure to XRP without managing wallets or keys, creating consistent buying pressure.
Projections suggest that if recent monthly paces hold, annual inflows could approach several billion dollars, helping cushion price swings amid whale activity. Ripple’s independence from public markets lets these institutional flows more directly support XRP’s real-world applications in payments and finance.
Ripple is buying infrastructure. In 2025 alone, it spent close to $4 billion on four acquisitions, including prime broker Hidden Road and stablecoin platform Rail.
For XRP holders, this links to long-term usage. More services mean more reasons for institutions to interact with XRP through Ripple’s rails, which you can explore in our guide to the Ripple payments network.
For now, Ripple is betting that staying private keeps it focused on building, not pleasing public markets.
DISCOVER: 10+ Next Crypto to 100X In 2026
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