US Senate debate over a bill called the Clarity Act has reignited discussion 
about XRP and other crypto products, and how they might be treated under US 
rules. Related Reading: Ethereum Staking Hits Record Levels As Buterin Urges 
Builders To Deliver Real Apps Reports have disclosed that the bill could give 
clearer status to tokens that back US-listed ETFs, moving them closer to 
commodity-style treatment. XRP spot ETFs have also drawn large capital, with 
inflows reaching about $1.37 billion since their November 2025 launch — a 
figure that underlines why lawmakers and market watchers are paying attention. 
How It Works Creation and redemption in ETFs can happen “in kind,” which means 
the fund can accept the actual asset instead of cash. That mechanism is real, 
but it does not let ordinary buyers load tokens directly into a fund. 
Authorized participants — big broker-dealers and market makers — are the ones 
that hand tokens to ETFs and receive shares back. Everyday investors buy or 
sell ETF shares on exchanges. That gap is central to the debate about whether 
an ETF could ever function like a bank. The XRP ETF’s are also In-Kind Funds, 
so you can deposit XRP directly into the fund in exchange for the exact value 
in shares. Most in general will choose this option post law. There are many 
advantages to this, you will be able to use the ETF like a “bank”. 
https://t.co/2G49kxUpGc pic.twitter.com/4fyeOkEYTC — Chad Steingraber 
(@ChadSteingraber) January 13, 2026 What Community Voices Are Saying According 
to posts from XRP community figures, some see a future where ETFs act like a 
regulated parking spot for token holders. Chad Steingraber has been vocal 
about in-kind mechanics, arguing that investors could swap XRP for matching 
ETF shares and treat the funds as a safer place to hold value until they need 
to move tokens again. Those comments have helped popularize the idea that ETFs 
could be used in a bank-like way. What Taxes Might Look Like Reports and 
investor guides show that ETF structure matters for taxes. ETFs often use in- 
kind creation and redemption to avoid routine capital gains distributions at 
the fund level, which helps make ETFs tax-efficient in many cases. But tax 
consequences for token holders depend on how transactions are carried out and 
on the product’s legal structure. Under current US rules, transfers that 
change the form of an asset can create taxable events for the person handing 
over the asset, and fund-level distributions can still produce tax bills for 
investors. Related Reading: Ethereum On Fire: User Growth Sparks Massive 
Activity Spike According to Chad Steingraber, the in-kind structure gives XRP 
holders a regulated place to park their tokens when they want safety and 
oversight. Investors, Steingraber believes, may favor ETFs once the Clarity 
Act clarifies rules. The appeal is not the technical steps but the confidence 
of holding XRP in a regulated, organized product. For him, ETFs offer a safer 
way to manage tokens while still keeping access to them when needed. Featured 
image from Unsplash, chart from TradingView

Are XRP ETFs About To Act Like Banks? Expert Thinks So

Bitcoin entered a decisive breakout phase, targeting $107,000 as long-term 
holder selling fades and BTC continues to leave exchanges, tightening supply.

Three reasons why Bitcoin’s ‘real breakout’ toward $107K has begun

The week of January 11-17, 2026, recorded $513.4 million in crypto funding 
across 15 projects, with Alpaca and LMAX Group both securing $150 million 
each. Here&#8217;s a comprehensive breakdown of this week&#8217;s crypto funding activity 
as per Cryptofundraising data. Alpaca…

Crypto VC Funding: Alpaca and LMAX Group each raise $150 million

The Dogecoin Relative Strength Index (RSI) is said to have entered historical 
oversold levels. This has raised the possibility that the foremost meme coin 
could repeat its parabolic rally in the 2021 bull cycle. Dogecoin Eyes 
Parabolic Rally As RSI Enters Oversold Levels Crypto analyst Cryptollica has 
indicated that the Dogecoin price could record another parabolic rally as the 
RSI enters oversold levels. In an X post, the analyst noted that this is the 
fourth time in 12 years that the DOGE RSI has been this oversold, and that 
every time this has happened, it has been life-changing. Related Reading: 
Dogecoin Price Is Following This Bullish Signal With A Major Target 
Cryptollica further remarked that the drop in Dogecoin’s RSI to this low has 
always been an “epic buying opportunity” and that those who loaded up made 
insane gains. In line with this, the analyst remarked that this is another 
massive opportunity. Meanwhile, Cryptollica alluded to previous times when the 
RSI dropped this low, including during the last cycle bottom, when DOGE 
dropped to $0.5. Dogecoin rallied to a new all-time high (ATH) of $0.74 after 
bottoming at $0.05, recording massive gains in the process. Cryptollica noted 
that these setups don’t come often and urged market participants not to miss 
this one. His accompanying chart suggested that DOGE could rally to the 
psychological $1 level this time around, marking a new ATH for the foremost 
meme coin. DOGE Mirroring Past Accumulation Pattern In another X post, 
Cryptollica highlighted a similar DOGE/BTC pattern between the 2014-2017 and 
2021-2026 accumulations. The analyst stated that the structure is identical 
and assured that the bleed against Bitcoin is not “death” but the necessary 
energy compression before the rotation. Cryptollica added that when the green 
line breaks, risk appetite changes instantly. Related Reading: Dogecoin Price 
On The Brink Of A 9,000% Rally To $10? What Historical Performance Shows 
Meanwhile, Cryptollica declared that the fractal was loading, with Dogecoin 
set to be the heartbeat of the altcoin cycle. The analyst claimed that this is 
the final stage of a multi-year compression against Bitcoin. This historically 
leads to a specific volatility squeeze that precedes a massive capital 
rotation from BTC to altcoins. Crypto analyst Bitcoinsensus raised the 
possibility of a Dogecoin rally to $0.70, which could be near. This came as 
the analyst noted that DOGE has been moving in a nice way up throughout this 
entire bull cycle. This is said to be evident in the mini cycles, with the 
foremost meme coin tapping the dotted line, followed by a slow retrace. Based 
on this pattern, Bitcoinensus noted that DOGE could soon target the $0.70 
range if the strong momentum in the crypto market returns. At the time of 
writing, the Dogecoin price is trading at around $0.137, down in the last 24 
hours, according to data from CoinMarketCap. Featured image from Getty Images, 
chart from Tradingview.com

Dogecoin RSI Just Entered Historical Oversold Levels Again, Will It Repeat 2021?

Bitmine Immersion Technologies has announced a $200 million equity investment 
in MrBeast-backed Beast Industries. The deal signals growing crossover between 
crypto-focused firms and mainstream digital entertainment platforms. Ethereum 
Treasury Firm Bitmine Invests in Beast Industries Bitmine Immersion 
Technologies, an Ethereum-focused treasury and digital asset strategy firm, 
has announced a $200 million equity investment in Beast […]

Cryptocurrency price in VND