I know most of the people will say it will not going to happen anymore. To be honest I really do not feel that ETF in January will be approved. I think they will say "NO" but later say "YES" again to trick everybody. If this will happen BTC will crash before the halving and all ALTS will crash 50% as well. If this will happen we will see nice opportunity to buy XRP at 0.25-0.30$. If 0.25$ will not hold and some bad news will visit XRP then I belive it can go down even more. If BTC will make a crash we can have Polkadot as well for 2-3$. This would be massive opportunity. I do not know if this will happen but I predicted pretty nicely XRP lawsuit case :)
Regards