XRP has reached its highest level since 2018, now ranking as the third-largest cryptocurrency with a price approaching $3. Analysts suggest that XRP's real-world utility, particularly in facilitating quick, borderless payments for banks, makes it an attractive investment for those earning over $30,000 annually. The cryptocurrency market is experiencing significant activity, with open interest across all cryptocurrencies hitting $87.8 billion, a record high. In other developments, Bitcoin has surpassed $100,000, leading to a surge in lending volumes on Liquidium, which reported 21 BTC in daily loans, the highest in four months. Additionally, the crypto exchange volume reached $2.9 trillion in November, the highest since May 2021, driven by pro-crypto policies and investor optimism. The overall lending and borrowing in the crypto space is also nearing all-time highs, with approximately $20 billion in outstanding borrows.