XRP has crashed 47% this year while Bitcoin, the top performer, has still lost 29% as the Fed holds rates near 3.75%. Recovering to January prices demands a 41% gain for Bitcoin and an 88% surge for XRP, all within four months. Galaxy Research and CryptoQuant both place Bitcoin's cycle low between September and November, signaling more drops ahead before any recovery begins.
It sounds nuts, but SoFi1 is giving new Active Invest users up to $3,000 in stock for a limited time, and all it takes is a $50 deposit to get started.2 See for yourself (Sponsor) Bitcoin (CRYPTO:BTC) has lost 29% of its value since January, and it is the best performer of the four largest cryptos this year. Ethereum (CRYPTO:ETH) is down 37%, Solana (CRYPTO:SOL) 40%, and the XRP (CRYPTO:XRP) price has fallen 47% and dropped below $1 this month for the first time since November 2024. Interest rates are part of the reason the top cryptocurrencies are plunging.
The Federal Reserve has held them at 3.50% to 3.75% all year with three of its members voting for a hike at the last meeting, and while rates stay that high, investors get a guaranteed return from government bonds without taking on crypto's volatility. That leaves four and a half months for the market to turn, so will crypto recover by the end of 2026? Interest rates hit the whole market, and each of the four major cryptocurrencies carry a separate problem on top of that.
Bitcoin trades at $63,146, down 28.86% this year, which is a smaller fall than Ethereum, Solana or XRP have taken. The Bitcoin price set a new ATH of $126,000 last October and reached $57,950 on July 1, which was a 21-month low. SoFi Active Invest is offering a limited-time promotion.
Open an account, fund it with $50 or more, and you could receive up to $3,000 in complimentary stock for Active Invest accounts. See for yourself by clicking here now. The reason BTC keeps falling is that investors moved capital into AI stocks and pulled a net $4.83 billion out of Bitcoin ETFs across the year, including $4.51 billion in June—the worst month those funds have ever recorded.
Strategy, the largest corporate holder, also sold Bitcoin in late May for the first time since 2022, then sold another 3,588 coins between June 29 and July 5. Ethereum has fallen 36.68% this year to $1,885, which leaves the ETH price roughly 62% below its ATH of $4,950. Investors have withdrawn from Ethereum's ETFs in most months of 2026, and the withdrawals got heaviest in May.
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