Crypto currently (16.01.2026) – ETF, Bitcoin, XRP and regulations

Today the cryptocurrency market is once again alive with strong topics that affect the entire sector:

1. Bitcoin is testing the ~97,000 USD mark after significant capital inflows to Bitcoin ETFs, which are pulling the market up despite volatility.

2. XRP remains above 2 USD, supported by institutional inflows, even as the overall market fluctuates under macro pressure.

3. Cryptocurrency ETFs are recording strong flows: both Bitcoin and altcoins are attracting capital, which shows that institutions are still interested in the market despite short-term declines and corrections.

4. The American bill on the crypto market (Digital Asset Market Clarity Act) has just been postponed after Coinbase withdrew its support, which temporarily cooled sentiment but does not change the long-term regulatory context.

What we see now is a real market in play: institutional capital is flowing in, prices are reacting, and regulators are still negotiating the rules. For investors, this is a signal that 2026 is not a "sweet bullish trend" but a stage where liquidity, ETFs, and clarity of rules will be crucial.

How do you see it?

Are these ETF flows just the beginning of a larger move?

$BTC $XRP $ETH #etf