Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...

J. William Carpenter is an economist who writes financial topics. He is an author of published works for higher education and business clients. Katie Miller is a consumer financial services expert.

XRP-USD is trading in the roughly 1.87–1.94 dollar zone on 16 December 2025, back to price levels last seen in April 2025 after failing to hold the psychologically important 2.00 dollar handle.