The recent ranking battles in the crypto world have heated up again—XRP has forcibly pushed BNB out of the top five with a 24-hour increase of 20%. It’s worth noting that the last time BNB was surpassed was in 2019, and now being suddenly overtaken has caught many off guard. People are asking: Is this a genuine rebound or just a fleeting moment? Looking closely at the logic behind this wave of market movement, at least two factors are exerting influence simultaneously. On one side are institutional news—an leading bank in Southeast Asia is reportedly testing the XRP cross-border payment system. For a currency known for international remittances, this is a solid demand signal. On the other side is a shift in market sentiment—investors are starting to feel a bit exhausted, chasing new narratives and concepts every day, and are now turning back to those established projects with stable circulation and solid fundamentals, and XRP happens to hit this note perfectly. A chain reaction follows. Cross-chain concept tokens like SOL, AVAX, and ATOM are all in the red, and the exchange token sector is collectively plunging, indicating that new capital is reallocating. But there are also risks worth noting—XRP’s market cap isn’t very large, making it susceptible to control by big players. Those rushing in now should think carefully—will they end up becoming the bag holders? There’s also an unavoidable hurdle: the lawsuit from the US SEC still hangs over XRP, and new legal risks could emerge at any time. The crypto market is inherently fast-paced—rising quickly, falling just as fast. Recently, some even sold their houses to jump in because of this, only to suffer heavy losses. Ultimately, this wave of market activity resembles a game of multi-party power struggle—some are cashing out to lock in profits as prices rise, others are buying aggressively on opportunities, while rational investors are likely quietly observing how long the fundamental support can hold behind this rally. Whether XRP can truly break free from the difficulties of the past few years depends on whether institutional collaborations can finally materialize and whether regulatory attitudes will turn positive.

The recent two days have truly pushed the crypto market to its peak. PEPE surged 40% in a single day, and coins like DOGE, XRP, MYX also took off, with the total 24-hour trading volume surpassing $100 billion. The Meme coin sector's average increase exceeded 60%, and the total market cap of altcoins soared 35% within a week. All those screenshots of price increases you see on your screen are real. On-chain data shows even more interesting insights. Whale addresses are accumulating heavily, and retail investor fund inflows have reached a three-month high. What does this really mean? Industry analysts have been working overnight to revise their forecast reports. Historically, whenever Bitcoin consolidates sideways, the altcoin season quietly begins. This time, multiple coins are simultaneously breaking through key resistance levels with increased volume, possibly driven by three major catalysts—rising expectations of Federal Reserve rate cuts, the imminent launch of Ethereum ETF, and AI and blockchain applications on the brink of explosion. These factors stacking up together can indeed explain why the market is so hot right now. But to be honest: chasing high carries real risks. Some of the surging coins have over 80% concentration in holdings, and exchange chips are rapidly shifting. Do you remember the market rally in 2021? The bull market was not only a celebration for retail investors but also a slaughterhouse for the chives. This pattern has never changed. What’s your view on this wave of market movement? Do you think the bull market has truly arrived and it’s time to get in, or do you believe this is just the big players cutting the chives? Either way, remember one thing—profits come from running, not waiting.

Recently, the crypto community has been buzzing about a presale project—Digitap ($TAP). Some analysts have listed it as a January focus, claiming the target price could surge to $2. This statement sounds quite eye-catching, after all, XRP is still hovering around $0.28, and if $TAP can really achieve this goal, the increase would be substantial. However, there are many aspects worth a deeper look. First, let's examine the logic behind the presale project itself—TAP seems to be targeting the payments sector, aiming to find opportunities within a market already dominated by XRP. The enthusiasm from analysts is also quite high, but the question is: among the projects that have been hyped up before, how many actually deliver on their promises? The ratio is actually alarmingly low. Next, consider the specific data and risks. Currently, the price of $TAP is still at the cent level, making the $2 target seem far out of reach. Presale projects inherently carry risks—cases of project teams running away are common in this space, and the gap between technological implementation and whitepaper promises often exceeds expectations. Moreover, XRP itself faces some regulatory uncertainties, which could also influence the overall direction of the payments sector. The core investment advice boils down to one sentence: any presale project is not worth risking your living expenses on. The market is too volatile, and even if analysts are optimistic, caution is necessary. The trend of $XRPUSDT warrants ongoing attention, but blindly following benchmark projects often leads to losses.