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XRP trades near $1.06 in late July 2026, roughly 71 percent below the $3.65 cycle top set on July 17, 2025. This piece walks through the escrow-versus-ETF equation, the bull case ($4.50–$7.00 by 2030), the base case ($1.80–$3.20), and the bear case ($0.60–$1.40).
