XRP hovers around $1.43 today, down sharply from its July peak above $3.60. That’s a 60% wipeout. Yet Ripple’s payments network hums along, processing billions in cross-border flows. The disconnect stares investors in the face. Johnny Rice at The Motley Fool cuts straight to it: “I’m not going to beat around the bush: I think the cryptocurrency XRP will be trading below $1 five years from now. Here’s why.” Big catalysts fizzled. The SEC lawsuit? Dropped. Spot XRP ETFs? Seven of them launched, including Canary Capital’s, pulling in over $583 million net inflows year-to-date per Coinglass data . Initial hype surged XRP past $2. Then reality hit. Price action reversed. ETFs saw $65 million inflows in April alone according to The Crypto Basic , but Canary’s fund lags with modest $445,000 this month. Total AUM sits at billions, yet XRP trades below pre-ETF levels. Speculation drove the pump. Fundamentals? Not so much. Banks were supposed to ignite demand.…