On January 22, 2026, pro-XRP lawyer Bill Morgan pushed back against claims on X that XRP and Ripple are a scam, arguing that such views ignore Ripple's extensive regulatory engagement. He pointed to Ripple's more than 75 licenses worldwide, recent approvals in Luxembourg and the U.K., and the central role of XRP in its cross-border liquidity system, even as XRP's price remains flat around $1.95 after falling from the $3 range.

On January 21, 2026, Evernorth said it will raise over $1 billion to build a large institutional XRP treasury in partnership with t54 Labs, using AI agents on XRPL. The plan includes institutional lending, liquidity provisioning and DeFi yields, while XRP traded at $1.95, up 2.94% in 24 hours with $4.24 billion volume.

Ethereum has lost more than 11% over the past week while large holders moved 110,000 ETH across wallets, raising expectations of stronger volatility ahead. The price recently fell from a daily high of $3,109.93 to $2,901.33 and is now trading around $2,915.93, with traders watching support near $2,716 and resistance above $3,350 for signs of a potential rebound.

ADA fell from an intraday high of $0.3617 to $0.3499 over the past 24 hours, extending its weekly slide to 15.36%. Cardano holds the No. 10 market-cap spot at $12.86 billion, narrowly ahead of Bitcoin Cash at $11.82 billion. A rebound toward $0.39–$0.42 is seen as key to stabilizing its top‑tier status.

Midnight (NIGHT), the privacy-focused Cardano network, was listed on eToro on January 20, 2026, according to an update from Midnight Network on X. The listing opens buying, holding and selling access for eToro users; as of press time, NIGHT traded at $0.05976 and had reached rank 66 with a $990.77 million market cap since its December 2025 launch.

XRP reversed its price trajectory, posting a 21,506% liquidation imbalance over the last four hours as long positions lost $2,180,000 and the asset fell back below $2. In the past 24 hours it slid from a $2.03 peak to $1.92, down 2.64%, with trading volume down 17.77% to $3.01 billion and RSI at 44.8%.

XRP's chart printed a death cross as the token fell below $2, with the spot price near $1.97 after a daily range of $1.91–$2.06. Trading volume jumped 167.34% to $3.68 billion, while selling pressure increased despite the earlier 2026 golden cross. The move aligned with intraday declines of 3.85%–3.95%.

On January 19, 2026, Ethereum cofounder Vitalik Buterin argued that the network still requires decentralized autonomous organizations but with significantly improved designs. He warned that many current DAOs are captured by large token holders, which weakens governance, and highlighted four key roles for DAOs, including oracles, dispute resolution, shared lists and institutional memory, while proposing ZK proofs and AI tools to enhance privacy and decision-making.

Bloomberg Intelligence senior commodity strategist Mike McGlone has argued that Bitcoin may have topped out in 2025 as gold surged and oil slumped, signaling what he describes as a historic gold-oil disparity. Bitcoin, which reached a peak of $126,198.07 in October 2025 and has since dropped as low as $84,000, was trading around $95,076.40 with daily volume sliding and price still capped below the $100,000 mark.