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Important Ripple News and XRP Price Update: August 4th

XRP traded between $1.06 and $1.08 on August 4, 2026, marking a decline of approximately 43% since the start of the year. The cryptocurrency has remained within a narrow range of $1.00 to $1.19 for nine consecutive weeks, following a notable sell-off from the $1.30 level in June.

Momentum at Multi-Year LowsAnalyst Cryptollica shared that XRP’s monthly momentum has reached its lowest point in more than thirteen years, describing current conditions as more oversold than during corrections in 2014, 2018, 2020, or 2022. The analyst suggested that XRP is now testing a historically significant long-term support, which in earlier cycles attracted renewed buying interest. The stability of this support zone is expected to determine whether XRP can rebound or continue its decline.

XRP’s monthly momentum has hit a record low after 13 years of price history, with current readings more extreme than any prior downturns in the past decade, as the cryptocurrency retests its long-term rising support base.

On the technical side, XRP’s daily relative strength index stands near 45.7, while the 4-hour RSI is close to 52, both indicating relatively neutral momentum. The price continues to trade below its 50-period and 100-period moving averages on the 4-hour chart, approximately at $1.079 and $1.101. The 200-day exponential moving average is positioned near $1.397, still trending downward and about 31% above the current price.

ETF Inflows Slow Amid Market CorrectionIn the most recent week, spot XRP exchange-traded funds attracted $14.86 million in net inflows, according to BankXRP. Bitwise reported $10.15 million in new fund investments, bringing its total cumulative inflows to $511 million. Franklin Templeton followed with $4.70 million for the week and a running total of $426 million for its XRP ETF products.

Bitwise led XRP spot ETF inflows last week with over $10 million, while Franklin Templeton contributed another $4.7 million, both signaling continued institutional demand despite weak price action.

Total XRP ETF inflows for July reached $27.29 million, making it the fourth consecutive month of net gains, but growth has slowed significantly compared to April’s $81.59 million and May’s $131.94 million. On July 31 alone, Bitwise saw a $7.12 million increase, while Franklin Templeton added $576,520 that day.

Despite ongoing institutional interest, XRP’s inflows are modest when compared to those of larger assets such as Bitcoin and Ethereum, which saw monthly investments of approximately $172 million and $365 million, respectively, during July.

Ongoing Supply and Legislative UncertaintyAugust brought another routine release from Ripple‘s escrow, with as much as 1 billion XRP unlocked this month. Typically, Ripple sends around 700 million tokens back to new escrow contracts, leaving 200 million to 300 million additional XRP entering circulation. Overall, about 62.5 billion XRP tokens are currently in public hands, while 32 billion remain locked in escrow.

Uncertainty continues on the regulatory front, with the CLARITY Act, a proposal that would assign XRP oversight to the Commodity Futures Trading Commission, still awaiting consideration in the US Senate. Lawmakers are anticipated to begin their recess between August 7 and 10, leaving little opportunity to schedule a vote before that time.

Given heightening market volatility and the importance of real-time technical analysis for traders, staying updated on critical macroeconomic indicators like Federal Reserve interest rates is increasingly crucial. Applications such as CryptoAppsy, which require no account creation, integrate live prices, portfolio management, custom coin news feeds, smart price alerts, and details on newly listed altcoins, enabling users to monitor the market closely and respond instantly to shifting conditions through a single, streamlined dashboard.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

Kripto para piyasası, haftanın yeni işlem gününe pozitif bir görünümle başladı. Küresel risk iştahındaki toparlanma, dijital varlık piyasasında alımların güçlenmesini sağlarken yatırımcıların gözü bu hafta açıklanacak kritik ABD ekonomik verilerine çevrildi. Aynı zamanda Orta Doğu’daki jeopolitik gelişmeler de fiyatlamalar üzerinde etkisini sürdürüyor. Son 24 saatte toplam piyasa değerindeki yükseliş ve Bitcoin öncülüğündeki toparlanma, yatırımcıların temkinli iyimserliğini koruduğunu gösteriyor.

Kripto Para Piyasasında Son Durum Ne? Toplam kripto para piyasası değeri son 24 saat içinde yüzde 1,19 artarak 2,18 trilyon dolara ulaştı. Piyasanın en büyük varlığı Bitcoin, yüzde 1,59 yükselişle 63.778 dolar seviyesine çıkarken Ethereum ise yüzde 0,29 prim yaparak 1.862 dolardan işlem gördü.

Altcoin cephesinde de alımların geniş bir alana yayıldığı görüldü. XRP yüzde 0,57 yükselerek 1,07 dolara ulaşırken Solana yüzde 1,26 değer kazanarak 73,70 dolar seviyesine çıktı. Bu görünüm, yatırımcıların yalnızca Bitcoin’e değil, farklı dijital varlıklara da yöneldiğine işaret ediyor.

ABD Verileri Piyasayı Nasıl Etkileyebilir? Bu hafta piyasaların odağında ABD iş gücü piyasasına ilişkin önemli veriler bulunuyor. Gün içerisinde açıklanacak JOLTS açık iş pozisyonları verisinin ardından çarşamba günü ADP özel sektör istihdam raporu, cuma günü ise tarım dışı istihdam verisi yayımlanacak.

Analistler, beklentilerin altında kalabilecek istihdam verilerinin FED’in faiz politikasına ilişkin beklentileri yumuşatabileceğini değerlendiriyor. Faiz artırımı ihtimalinin azalması ise hem kripto yatırımı yapan yatırımcıların risk iştahını artırabilir hem de küresel piyasalarda olumlu fiyatlamaları destekleyebilir.

Bu nedenle önümüzdeki birkaç gün boyunca açıklanacak makroekonomik verilerin, kripto varlıklardaki kısa vadeli yön üzerinde belirleyici olması bekleniyor.

Jeopolitik Gelişmeler Kripto Risk İştahını Destekliyor Mu? ABD ile İran arasında yeniden diplomatik temas kurulabileceğine yönelik açıklamalar da yatırımcıların yakından takip ettiği başlıklar arasında yer alıyor. Taraflardan gelen farklı mesajlar belirsizliği sürdürse de olası bir diplomatik ilerleme küresel piyasalarda risk algısını iyileştirebilir.

Jeopolitik tansiyonun düşmesi durumunda yatırımcıların daha yüksek riskli varlıklara yönelmesi mümkün görülüyor. Buna karşılık bölgede gerilimin yeniden yükselmesi halinde hem geleneksel finans piyasalarında hem de kripto ekosisteminde oynaklığın artabileceği belirtiliyor.

Kripto ETF Verileri Kurumsal İlgiyi Nasıl Gösteriyor? Kurumsal yatırımcıların yönünü gösteren ETF verileri ise farklı bir tablo ortaya koydu. 3 Ağustos tarihinde spot Bitcoin ETF’lerine 170,09 milyon dolarlık net giriş gerçekleşirken, spot Ethereum ETF’lerinden 11,42 milyon dolarlık net çıkış yaşandı.

Altcoin ETF’lerinde ise karışık bir görünüm dikkat çekti. XRP ETF’leri 1,15 milyon dolarlık net giriş kaydederken HYPE ETF’lerinden 964,32 bin dolarlık çıkış gerçekleşti. Solana, DOGE, BNB, LINK, LTC, AVAX, HBAR ve DOT ETF’lerinde ise gün boyunca kayda değer herhangi bir fon hareketi görülmedi.

ETF verileri, kurumsal sermayenin özellikle Bitcoin tarafında güçlü kalmaya devam ettiğini gösterirken, diğer varlıklarda daha seçici bir yaklaşımın benimsendiğine işaret ediyor.

Bu içerik kesinlikle yatırım tavsiyesi niteliği taşımamaktadır. Piyasalar yüksek risk içermektedir ve yatırım kararlarınızı almadan önce kendi araştırmanızı yapmanız önemlidir.

Son Dakika kripto para haberleri için hemen tıkla.

Konu ile ilgili yorumlarınızı bize yazabilirsiniz. Ayrıca, bu tarz bilgilendirici içeriklerin devamının gelmesini isterseniz, bizleri Telegram, Youtube ve Twitter kanallarımızdan takip edebilirsiniz.

The cryptocurrency market enters Tuesday, August 4, 2026, in a state of cautious consolidation. Bitcoin is range-bound between $62,500 and $63,500, weighed down by ongoing ETF outflows and a Coldcard hardware wallet exploit that has rattled self-custody confidence. Yet beneath the surface, three tokens are telling a very different story , one driven by institutional rotation, transformative network upgrades, and a supply-side squeeze. Today's Daily Alpha Drop focuses on ETH, SOL, and XRP.

$ETH: The Institutional Rotation Is RealEthereum is quietly becoming the institutional favourite of August 2026. Spot ETH ETFs just posted their fourth consecutive week of net inflows, attracting $27.42 million in the week ended July 31. This stands in sharp contrast to Bitcoin ETFs, which bled $61.53 million over the same period , ending three straight weeks of gains.The divergence is meaningful. When institutional capital rotates out of BTC and into ETH, it signals a shift in risk appetite and a growing conviction in Ethereum's long-term fundamentals. That conviction received further validation this week with the launch of Morgan Stanley's staked Ethereum ETP on NYSE Arca , a product that not only gives institutional investors spot ETH exposure but also allows them to earn staking yield, a first for a major Wall Street product.Since the launch of spot ETH ETFs, cumulative net inflows have now crossed $11 billion. ETH is currently trading around $1,850, and with Bitcoin dominance at approximately 56%, there is meaningful room for ETH to reclaim market share. For traders watching the ETH/BTC ratio, the current setup is one of the most constructive in months.Why it matters for ETH: Sustained ETF inflows signal that institutional demand is not a one-week blip. The Morgan Stanley staked ETP adds a yield component that makes ETH more attractive than BTC for income-seeking institutions. If inflows continue into week five, ETH could be the standout performer of August.

$SOL: Alpenglow Changes EverythingSolana has long been celebrated for its speed, but the upcoming Alpenglow consensus upgrade is set to redefine what "fast" means in blockchain. Rolling out between August and October 2026, Alpenglow is designed to reduce transaction finality from approximately 12.8 seconds to just 150 milliseconds , an 85x improvement that would make Solana the fastest major Layer 1 network by a significant margin.For context, this is not a minor patch. Alpenglow represents a fundamental rearchitecting of Solana's consensus mechanism, addressing one of the network's most persistent criticisms. With Alpenglow, Solana becomes a credible infrastructure layer for real-time payments, high-frequency DeFi, and institutional settlement.The institutional angle is also strengthening. Morgan Stanley's staked Solana ETP launched on NYSE Arca this week alongside its ETH counterpart. Separately, a Korean payment network recently integrated Solana to bring stablecoin payments to over 330,000 merchants , a real-world adoption milestone that speaks to the network's growing utility.SOL is currently trading around $72.5, holding above key technical support. The Alpenglow upgrade window represents a significant catalyst that could drive renewed interest from both retail and institutional participants over the coming weeks.Why it matters for SOL: The Alpenglow upgrade is a once-in-a-generation technical improvement that directly addresses Solana's biggest limitation. Combined with the Morgan Stanley ETP launch and growing real-world payment adoption, SOL has multiple overlapping catalysts heading into August and September.

$XRP: Supply Squeeze Meets Steady InflowsXRP is quietly building a compelling setup heading into August. XRP spot ETFs attracted $14.86 million in net inflows for the week ended July 31 , beating out Solana's ETF flows for the period. Franklin Templeton's XRPZ product led the charge, with demand accelerating notably on Thursday and Friday.On the supply side, Ripple executed what analysts are calling its tightest escrow unlock ever. Of the 1 billion XRP released at the start of August, approximately 700 million , or 70% , was immediately re-locked into escrow. This means the effective circulating supply increase is far smaller than the headline number suggests, reducing the sell pressure that has historically weighed on XRP around unlock dates.The regulatory picture is also coming to a head. The CLARITY Act faces a critical deadline on August 7 when the U.S. Senate enters recess. A surprise vote and passage would be a major bullish catalyst for XRP specifically, given Ripple's history as the most prominent target of SEC enforcement action.XRP is currently trading around $1.07. The combination of steady ETF inflows, a supply-side squeeze, and a live regulatory catalyst makes XRP one of the more interesting setups in the market right now.Why it matters for XRP: Consistent ETF inflows signal that institutional interest in XRP is durable. The escrow re-lock reduces near-term sell pressure. And with the CLARITY Act deadline approaching, XRP stands to benefit more than almost any other token from a positive regulatory outcome.

The Bigger PictureToday's three tokens share a common theme: institutional infrastructure is being built around them in real time. ETH and SOL now have staked ETPs on NYSE Arca. XRP has a growing ETF ecosystem with genuine inflows. The Alpenglow upgrade positions Solana for a new wave of high-frequency use cases. And ETH's sustained inflow streak suggests that the narrative of "institutional rotation from BTC to ETH" has legs.Bitcoin remains the market's anchor, but the alpha in August 2026 may well come from the layer beneath it.Trade ETH, SOL, and XRP on WOOX Pro: wooxpro.com

Risk Disclaimer

The content above is for general informational purposes only and does not constitute investment advice, a recommendation, solicitation, or offer to buy or sell any product or service.Cryptocurrencies and related instruments involve significant risks, including extreme volatility. You should carefully consider your investment objectives, experience, and risk tolerance before engaging in any crypto-related activities. We strongly recommend consulting a qualified independent financial advisor before making any decisions.WOO shall not be liable for any direct or indirect loss or damage arising from the use of or reliance on this information.Nothing in this article creates or implies any partnership, joint venture, agency, or other legal relationship between WOO and its collaborators. Each party remains fully independent and responsible for its own actions and risks. This content does not guarantee any business outcomes, success, or profitability.

Washington’s longstanding skepticism toward cryptocurrency has often been attributed to concerns over risk and consumer protection. However, Chris Giancarlo, former chairman of the Commodity Futures Trading Commission (CFTC), offered a more forthright perspective in a recent video circulating among digital asset commentators. Giancarlo argued that the root issue may be the loss of political control over economic capital allocation if crypto achieves widespread adoption.

Algorithms over politicsGiancarlo explained that since the passage of the Dodd-Frank Act, policymakers in Washington have wielded a new kind of power. The legislation, he stated, gave the government an explicit role in determining how capital is distributed throughout the U.S. economy. In his view, this shift enabled elected officials, such as Senator Elizabeth Warren, to exert unique institutional leverage over financial markets.

He emphasized that cryptocurrencies, by design, eliminate this layer of political intervention. “If we get the algorithms right, the algorithms aren’t going to recognize somebody’s skin color or their other differentials,” Giancarlo stated, describing a system where automated protocols, not policymakers, decide where capital flows.

Giancarlo identified Senator Warren as having specifically used Dodd-Frank to gain power over capital allocation, claiming that regulatory authority provided unprecedented leverage to shape America’s financial landscape.

According to Giancarlo, this direct market logic, controlled entirely by transparent algorithms instead of political priorities, presents a fundamental challenge to Washington’s influence and inspires ongoing resistance to cryptocurrencies from certain lawmakers.

The CLARITY Act and structural resistanceThis context has come to the forefront as Congress debates the CLARITY Act, a bill designed to establish clear regulatory boundaries for digital assets. The measure passed the House in July 2025 by a broad bipartisan margin and advanced through the Senate Banking Committee in May, but it remains unlikely to reach the Senate floor before lawmakers leave for summer recess on August 8.

Senate Majority Leader John Thune has signaled that the bill will probably not advance within the current session, a setback that analysts believe may delay comprehensive crypto legislation until at least 2030, as noted by Senator Lummis.

For some policymakers, the central challenge lies in relinquishing political decision-making over digital assets. Giancarlo suggested that passing the CLARITY Act would limit Washington’s discretionary power, transforming the current architecture of regulation and oversight.

XRP’s position in the evolving frameworkXRP, a highly scrutinized digital asset in the U.S., stands to benefit if the CLARITY Act becomes law. After years of operating amid legal uncertainties, XRP gained significant clarity following recent court rulings. A defined framework dividing regulatory authority between the Securities and Exchange Commission (SEC) and CFTC would establish more predictable conditions for XRP developers and institutional users.

Supporters of the bill argue that transparent, rules-based oversight aligns with the principles that underpin blockchain ecosystems and digital assets like XRP. High-profile commentary, such as Giancarlo’s, has intensified discussion about political motives behind legislative resistance to decentralized systems.

The ongoing debates around the CLARITY Act and regulatory structure have highlighted the importance of innovation that facilitates efficient market access and portfolio diversification. In this environment, platforms like 1stepSwap are breaking down the barriers between traditional finance and the crypto world. By enabling the direct transfer of real-world assets such as shares of major U.S. corporations and commodities like gold and silver onto the blockchain, 1stepSwap allows users to transact these assets from their own wallets. Its most notable feature is the ability to instantly secure the best available market price, empowering users to buy and sell high-profile stocks in seconds and helping them diversify more efficiently.

The CLARITY Act’s framework is seen as crucial for digital assets and projects such as XRP, which have long operated under ambiguous legal definitions. By dividing oversight between U.S. financial regulators, the legislation aims to establish transparency and encourage further innovation in the sector.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

After rising from local lows, Shiba Inu has made an impressive short-term comeback, but its next challenge might be much more challenging. The meme coin is currently testing the 100-day EMA, which has frequently served as a ceiling during the wider decline, after rising back above its 50-day moving average. 

SHIB's recovery fades awayWhether the most recent rally has enough momentum to continue will probably depend on SHIB's ability to recapture this resistance. SHIB recently saw a dramatic increase in buying volume on the daily chart, resulting in one of the strongest green candles in weeks. The price passed through a number of resistance levels as a result of that move, and the RSI momentarily rose above 70, indicating overbought conditions. 

SHIB/USDT Chart by TradingViewSince then, the asset has somewhat cooled off, and the RSI has eased toward the high 50s, indicating that excessive bullish momentum has already been eliminated without causing a significant sell-off. The technical picture is getting better than it was in earlier attempts. Following months of decline, SHIB is currently trading above both its 26-day and 50-day exponential moving averages, which have begun to level off. 

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The 100-day EMA, which is presently at the $0.00000500 level, is still the most significant barrier, though. Although buyers are still active, there hasn't been a clear breakout as the price is consolidating directly beneath it. 

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More than just another resistance break would be represented by a successful daily close above the 100-day EMA. It would raise SHIB above all of its shorter-term moving averages and change the direction of the market structure to one that is more optimistic. 

The long-term 200-day EMA, which is still significantly higher and still sloping downward, could be reached by more momentum traders entering the market as a result of that scenario. The crucial element will be volume. Trading activity increased significantly during the recent rally, but follow-through buying has been less frequent. 

The likelihood of breaking through the 100-day EMA rises dramatically if buyers return with another wave of high volume. However, failure at current levels would probably push SHIB back toward the 50-day EMA, which is now the first significant support. 

Losing that area could transform the recent breakout into another brief rally within the larger bearish trend, while holding it would protect the developing bullish structure. As of right now, it looks like SHIB is getting close to one of its most significant technical tests in recent months. 

XRP's recovery attemptIt seems that XRP is encountering a well-known challenge in its most recent attempt at recovery. The asset has risen back toward a group of moving averages that have consistently rejected bullish momentum during the wider downtrend after rising from recent lows. Right now, XRP is trading slightly below the 50-day and 100-day exponential moving averages, setting up what might prove to be the pivotal moment in the recovery. 

After weeks of persistent weakness, buyers intervened, and the daily chart shows XRP rising from the support area around $1.00. The price eventually broke higher with a discernible increase in volume, making the bounce initially encouraging, especially as it formed a small ascending triangle. 

XRP/USDT Chart by TradingViewXRP briefly surpassed a number of short-term resistance levels as a result of that breakout, but the rally soon lost steam as it approached the moving-average cluster at $1.09-$1.10. Technically, the situation is still unclear. While the 200-day moving average is still much higher at $1.40 and is still sloping downward, XRP is still stuck below the declining 100-day EMA. 

Despite the recent recovery, that long-term trend demonstrates that sellers continue to dominate the overall market. Additionally, momentum indicators point to hesitation as opposed to strength. Although buying pressure has improved from oversold conditions, the Relative Strength Index is still far from indicating a strong bullish trend, sitting around the neutral 45-46 range. 

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In contrast to the recent movement in a number of other large-cap cryptocurrencies, XRP has not produced enough momentum to move the RSI above 50 into bullish territory. The crucial resistance zone is currently the region around $1.10. It is a technically important barrier because it combines past price congestion with the declining 50-day and 100-day moving averages. 

The outlook for XRP would be significantly improved by a decisive daily close above this area, which might draw attention to the next resistance near the 200-day EMA. However, XRP runs the risk of going back to the psychological $1.00 support if buyers fail once more. A significant portion of the recent recovery would be rendered invalid if that level were lost, leaving the asset vulnerable to a further decline.

Bitcoin is weakeningOnce again, Bitcoin is displaying signs of weakness as its attempt to recover starts to falter. The biggest cryptocurrency recovered a number of short-term moving averages after rising from June lows, giving rise to expectations that a longer-term rally was beginning. But as Bitcoin struggles to stay above the 50-day exponential moving average and sellers regain control, those hopes have faded. 

BTC/USDT Chart by TradingViewThe daily chart shows that the market has entered yet another phase of uncertainty. Squeezed between close support and resistance, Bitcoin is currently trading around $63,000 and has not been able to establish a strong trend. The asset has been drifting sideways since it was rejected by the 50-day EMA, and every attempt at recovery has resulted in lower highs.

The larger technical structure may be the most significant issue. The 200-day EMA is still trending lower at about $72,000, while the 100-day EMA is still significantly above the current price at about $67,000.

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Despite a few brief relief rallies over the past two months, the overall market structure is still bearish until Bitcoin can recover those long-term resistance levels.  

While the lack of oversold conditions allows for further downside if sellers increase their activity, that decline indicates that buying pressure has significantly lessened. The volume of trades also indicates an increase in uncertainty. 

Although there was significant buying when Bitcoin recovered from its June lows, participation in recent sessions has decreased. Bulls find it more and more difficult to overcome the resistance formed by the declining moving averages in the absence of fresh inflows. The immediate support is still in the $60,000-61,000 range from a technical perspective. 

A collapse below that range might put Bitcoin through another test of the June lows and possibly set off a more widespread sell-off in the digital asset market. On the plus side, buyers must first get past the resistance grouped around the 50-day moving average in order to regain the 100-day EMA, which would greatly enhance market sentiment.

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Ripple, a popular blockchain technology platform, has recently announced exclusive investments. Ripple has invested in Licuido and ZILO to drive the digital capital network infrastructure through its XRP Ledger (XRPL). As per Ripple’s official press release, the development provides the platform’s growing network with regulated transaction agency, collateral mobility functionalities, and the issuance of digital assets for cutting-edge tokenized financial assets. The move comes after the tokenization of the US Dollar Liquidity Fund of Aviva Investors on the XRPL, indicating the surging institutional interest in blockchain-driven capital markets.

Deepening our push into capital markets, we are investing in ZILO and Licuido to add regulated transfer agency, issuance and collateral mobility to our capital markets infrastructure built on the XRPL. This comes on the heels of Aviva Investors tokenising its US Dollar Liquidity…

— Ripple (@Ripple) August 3, 2026 Ripple Fortifies XRPL-Based Capital Markets Framework with Licuido and ZILO Investments Ripple’s investments in Licuido and ZILO build on the platform’s existing collaborations with both these entities. Additionally, these investments attempt to improve the efficiency of compliant financial activities. The exclusive move highlights Ripple’s wider strategy to advance conventional capital markets via blockchain technology and tokenization.

The current capital markets keep relying on legacy frameworks that restrict liquidity and efficiency. Institutions often experience delayed settlement, fragmented mechanisms, and idle collateral. These things increase the difficulty level when it comes to shifting assets with protection while maintaining regulatory compliance. Blockchain technology reportedly has the potential to address such long-standing challenges with the provision of more transparent, programmable, and faster financial infrastructure.

Apart from that, the institutional network of the platform merges digital asset custody, issuance, multi-currency investment compatibility, atomic settlement, and collateral management on XRPL. Additionally, the $RLUSD stablecoin of Ripple plays the role of a compliant cash element in the case of delivery-versus-payment transfers. It enables the instant settlement of tokenized assets while sustaining the availability for collateral utility just after issuance.

Investments Reaffirm Commitment to Broad-Scale Institutional Tokenization According to Ripple, this inclusive model attempts to deliver a consistent operating framework to the issuers and institutional investors. While reflecting on this development, Nigel Khakoo, the Senior Vice President of Trading and Markets at Ripple, said that tokenization denotes just the initial phase of the wider digital asset adoption. He added that the partnership with Aviva Investors, DBS, and Franklin Templeton is evidence that big financial entities are actively readying for the wide-scale deployment of next-gen tokenized investment products. Overall, the investments reaffirm Ripple’s commitment to establishing a combined institutional network to accelerate tokenized assets’ adoption across worldwide capital markets.

AUTHOR

Umair Younas is a cryptocurrency-related content writer linked with this work since 2019. Here, at Blockchainreporter, he serves as a news and article writer. He is a crypto, blockchain, NFTs, DeFi, and FinTech enthusiast. He has strong command over writing authentic reviews about brokers and exchanges and he has collaborated with our education team to write educational content as well. He has a dream to raise awareness among people about digital currencies. His works are well-researched and brimmed with information hence they provide fresh insights. Stay tuned to his posts if you want to stay up-to-date with the crypto-verse.

Ripple and Stellar outlook: XRP and XLM steady as derivatives data points to easing downside pressure

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Fresh security warnings have targeted XRP users amid an ongoing scam wave. In one such warning, Xora Finance issued an XRP phishing alert in an X post, putting the XRP community on notice as fake sites clone Flare Network, XORA, and other XRP brands.

This security notice was shared by Joren Lundgren, Xora Finance founder, who urged caution as a group of South Korean scammers targets the XRP community specifically. "There is a very sophisticated operation going on," Lundgren added.

🚨 XRP PHISHING ALERT 🚨

Fake sites clone Flare Network, XORA and other XRP brands.

South Korean police separately probe fake staking sites. Estimated losses exceed ₩20B, about US$13.4M.

✅ Use https://t.co/r8t2vgKhAu
❌ Avoid ad and DM links
🔁 Share across the XRP community

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— Xora Finance (@xora_finance) August 3, 2026 A fake Flare Network staking site robbed 71 investors of 3.4 million XRP worth roughly $8.5 million, according to Seoul police. While South Korean police are probing fake staking sites, Xora Finance urges XRP holders to avoid ads and DM links.

Warnings issuedA similar security notice was put out by Xaman wallet, which noted an ongoing scam wave against XRP holders. Xaman wallet reiterated a longstanding warning, saying it will never DM or email users. It will also never issue a token or an airdrop, and its support exists only inside Xaman and nowhere else.

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An earlier warning by Xaman urged XRPL ecosystem participants to protect their XRP and assets from scams, especially on social media, reiterating a no DM, no link, no email stance, urging users never to connect their wallets to unverified websites. They should also not engage with "support" outside Xaman, noting that support is only available inside the app.

Along similar lines, Doppler Finance warns of accounts impersonating it on X. It urges users to always verify the account handle and not just the display name. Doppler Finance says it will never request their private keys, seed phrase, passwords, or funds via direct message.

As reported, eagle-eyed XRP community members spotted a fake Ripple announcement with a fake post circulating on X claiming that Ripple was launching "XRP Holder Tiers" and directing users to a fake website for an XRP badge. This was noted to be a phishing scam as Ripple never posted it. Users were urged not to click or connect their wallets or enter seed phrases, as doing so would result in their XRP being stolen.

XRP price is sitting just above the crucial $1.00 support level, but the chart still paints a cautious picture. While the token remains trapped inside a multi-year falling wedge, Ripple ecosystem is heading in almost the opposite direction and quietly expanding the infrastructure it believes institutional finance will need for tokenized capital markets.

Ripple Deepens Institutional InfrastructureRipple announced strategic investments in ZILO and Licuido, strengthening its existing partnerships with both companies. The additions bring regulated transfer agency, digital issuance, and collateral mobility capabilities to Ripple’s infrastructure built on the XRP Ledger (XRPL).

Rather than focusing only on tokenizing assets, Ripple is targeting the infrastructure surrounding them. Its platform combines issuance, custody, collateral utility, multi-currency investment support, atomic settlement, and RLUSD as the regulated cash leg for delivery-versus-payment transactions. The goal is straightforward: allow tokenized funds to function as usable collateral while enabling institutions to settle transactions instantly on-chain.

Building Beyond Simple TokenizationAccording to Ripple, traditional capital markets still rely on aging infrastructure that slows settlement and leaves collateral sitting idle.

ZILO contributes regulated transfer agency and fund administration technology capable of supporting tokenized share classes for asset managers and custodians. Meanwhile, Licuido provides issuance, distribution, execution, and collateral mobility infrastructure that allows tokenized financial assets to move efficiently through on-chain markets.

The investments also build on Ripple’s previously announced collaboration with Aviva Investors, where Ripple is defining token standards for traditional fund structures alongside partners including ZILO and Licuido.

XRP Price Still Faces Technical PressureDespite the expanding ecosystem, XRP price hasn’t escaped technical weakness. The token currently trades around $1.05, holding just above the important $1.00 support. A breakdown below that level could expose lower prices as XRP price continues trading inside a long-term falling wedge pattern.

Still, the broader Ripple ecosystem tells a different story. Institutional infrastructure continues expanding even while the token struggles, suggesting ecosystem development and price performance aren’t moving in lockstep. If broader demand eventually improves and XRP meets stronger buying interest, the growing institutional foundation could become a longer-term catalyst for XRP price.

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Payments giant Mastercard has officially completed its acquisition of fintech platform BVNK. The main reason behind the purchase is the growth of the stablecoin market, which is currently valued at more than $309 billion, according to CoinMarketCap.

The payments giant itself has made it clear that its main task now is not to create new digital currencies, but to connect existing financial rails with the on-chain economy. In this context, BVNK is the infrastructure working behind the scenes of payments across 130 countries, enabling businesses to convert, hold, move and store fiat and digital money.

The challenge is no longer creating new rails. It's connecting them.

Today, Mastercard completed its acquisition of BVNK.

Together, we're helping customers connect digital and traditional forms of money through trusted infrastructure built for scale.

Learn more:… pic.twitter.com/LSuinujdeR

— Mastercard (@Mastercard) August 3, 2026 Integrating BVNK's native technologies will allow Mastercard to significantly accelerate cross-border B2B payments, treasury flows and settlements for banks and fintech companies. 

Mastercard Chief Product Officer Jorn Lambert noted that in a multicurrency world, fiat currencies, stablecoins and tokenized deposits must work together. According to him, the winner in the new payments paradigm will be the company that connects these different networks most efficiently.

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What do Ripple and XRP have to do with it?BVNK is often described as a long-standing Ripple partner, and the Mastercard deal does indeed intersect with the Ripple ecosystem. XRP is explicitly listed as a supported asset in BVNK's official technical documentation.

The platform natively processes incoming deposits and outgoing payments in XRP through its multichain system. The companies began working together in 2024, when Ripple was preparing to launch its institutional stablecoin, RLUSD.

At the time, executives at Standard Custody, the custodial company acquired by Ripple, publicly identified BVNK as a critical partner for the B2B2C segment. The logic is simple: Ripple creates an institutional B2B product, while BVNK helps deliver that liquidity to the end consumer.

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The companies are not officially bound by exclusive agreements, but they operate in the same corporate payments segment. Both are members of Mastercard's global Crypto Partner Program, where participants jointly develop future blockchain products.

The two companies are also involved in developing Mastercard's Multi-Token Network infrastructure. In addition, Ripple previously officially joined the payments giant's CBDC Partner Program.

Ripple has previously said that the growth of the stablecoin industry is "a rising tide that lifts all boats". In this expanding market, Mastercard has effectively secured its position as a central connecting hub through BVNK's technology.

XRP is approaching a significant technical juncture as its price hovers at $1.08, forming a narrowing wedge pattern that signals a potential breakout. Market activity has slowed considerably in recent sessions, with the cryptocurrency oscillating between established support and resistance levels.

Technical setup highlights key resistance and supportTechnical analyst ChartNerd reported that XRP has once again tested the crucial $1.06 support level, following a failed attempt to move above the daily 20-day Exponential Moving Average (EMA) at $1.08. The 20-day EMA, which is close to the 50-day EMA, acts as a strong resistance area that bulls have not managed to surpass.

ChartNerd emphasized the pivotal nature of the $1.06 support, suggesting that repeated defenses of this level underline its market relevance. However, he cautioned that a fall below the so-called “blue box” region could prompt an increase in selling pressure, potentially sending XRP toward the $1.00 psychological threshold.

CoinCodex currently records XRP trading at $1.08, placing the asset at the focal point of heightened trading activity, as buyers and sellers contest control near these critical technical barriers.

Price LevelTechnical Significance$1.08Resistance, 20 EMA alignment$1.06Major support$1.00Psychological level, next support if $1.06 breaksAnalysts assess breakout prospects as wedge narrowsSome analysts maintain that the wedge is approaching its final phase, potentially setting the stage for a substantial move in either direction. Crypto analyst Bird pointed out that XRP’s price is now compressed within this formation, raising the likelihood of a breakout as the pattern nears its apex.

XRP is getting squeezed tight inside this wedge, and the awaited breakout could arrive this week as the pattern reaches its peak, Bird observed.

Historically, wedge formations can lead to sharp price shifts after the period of consolidation concludes. The next decisive move, according to various market watchers, will depend on whether XRP can reclaim the $1.08 to $1.10 resistance band or whether it fails to hold above the $1.06 support line.

Fundamentals support institutional adoptionBeyond chart patterns, interest in XRP has been bolstered by broader developments. Google Search recently ranked XRP as the top result for the phrase “world bridge currency,” leading to renewed attention on its potential role in global payments.

Analysts like EGRAG point to additional drivers for optimism, highlighting increased institutional participation, positive sentiment around possible exchange-traded fund (ETF) launches, significant XRP withdrawals from Binance, and ongoing expansions within the XRP ecosystem.

Recent on-chain data shows XRP leading major tokens in terms of average transaction size, indicating active involvement from larger holders. Evernorth, a corporate treasury services firm, has also extended its XRP treasury strategy, underscoring growing institutional interest in the asset.

Mini dictionary: Evernorth is a corporate treasury management company specializing in digital asset strategies for institutional investors and enterprises.

Volatility expected as decision point approachesAccording to multiple analysts, focus now returns to whether XRP can break above resistance or risk dropping further. The technical wedge pattern is set to resolve soon, with rising volatility likely as the market tests both the $1.08 resistance and $1.06 support.

Market watchers agree that the direction of XRP’s next move will be determined at these levels, where a breakout could trigger sharp swings in either direction.

For now, the cryptocurrency remains at a tipping point as both technical and fundamental factors converge. Market participants are closely monitoring the charts in anticipation of an imminent high-volatility move.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

The XRP Ledger Foundation (XLRP) has extended public node access to the XRP Ledger (XRPL) with a new partnership with Ankr. Under the deal, Ankr will provide a network of public nodes on XRPL across the globe. The release comes just days before the expected xrpld v3.3.0 mainnet upgrade.

A Look At XRP Ledger & Ankr’s Partnership The new infrastructure aims to facilitate the interaction between developers and users with XRP Ledger, while eliminating the need to run their own nodes and enhancing the network’s reach.

The XRP Ledger Foundation stated in a post on X “We’re expanding public infrastructure access to the XRP Ledger for developers and users with Ankr. Globally distributed XRPL nodes from New York to Singapore to give you the best connectivity.”

XRPL dUNL validator Vet also commented on the rollout. He wrote, “Adding more public XRP Ledger infrastructure for developers and users, without having them run their own nodes.” He mentioned that Ankr has launched a node RPC network with nodes distributed all over the world and a monitoring website for the XRPL network. “Full history access will be available at a later time,” he said.

The interface in the newly launched portal offers XRP Ledger mainnet and testnet free JSON-RPC endpoints. In addition, there is a real-time overview view of network health, block height, median latency, global reach, request volume and average requests per second.

There is a Quickstart section to give developers ready-to-use examples in cURL and JavaScript. In addition, it features a panel that lists all active nodes in Singapore, New York, Amsterdam and San Francisco, with traffic automatically rerouted to the most appropriate node.

Adding more public $XRP Ledger infrastructure for developers and users, without having them run their own nodes.@ankr has setup a globally distributed XRPL node RPC infra for this purpose and a website for monitoring and data – https://t.co/ZTySuoekEg

Full history access will… https://t.co/eBtf1FTvqg pic.twitter.com/yOY9NPxmkX

— Vet (@Vet_X0) August 3, 2026

It marks a notable feat for the XRPL network after the fixCleanup3_2_0 amendment went live last week with 85.71% consensus support.

About The Upcoming Version 3.3.0 Upgrade Amid the node infrastructure rollout, RippleX Head of Product Jazzi Cooper will be readying the xrpld v3.3.0 release set for next week, contingent on validator approval. Announcing five proposed amendments, Cooper said, “XRPL has already proven it can support tokenized assets at scale. Now it’s time to put these assets to use: global transfers, trading, collateralizing, and settling.” She added that the release “includes five amendments that move XRPL significantly closer to that goal.”

The proposed amendments on XRP Ledger include the introduction of Confidential MPT, which introduces privacy to the Multi-Purpose Tokens with the application of zero-knowledge proofs. Batch will support atomic settlement and delivery versus payment workflows. Permission Delegation will enable institutions to delegate limited transaction permissions without relinquishing their signing power.

Meanwhile, Sponsored Fees and Reserves will allow banks, issuers and platforms to pay for the transaction fee and account reserves for their users. Dynamic MPT will enable issuers to change certain properties of the selected tokens after issuance. However, Cooper reminded that “these amendments will only activate following validator approval” on XRP Ledger.

In brief Flare's FXRP is now accepted as collateral in Sentora's RLUSD vault on Morpho. XRP holders can borrow Ripple's RLUSD stablecoin on Ethereum without selling their XRP. The integration is the first time an XRP-based asset has been approved as collateral in an institutionally curated Ethereum lending vault. XRP holders can now borrow Ripple's RLUSD stablecoin against their holdings on Ethereum without selling their tokens after Flare's FXRP was approved as collateral in Sentora's RLUSD Main vault.

Announced on Monday by layer 1 blockchain developer Flare, the integration lets users convert XRP into Flare's FXRP token, bridge it to Ethereum, deposit it as collateral on the Morpho lending protocol, and borrow RLUSD. Because the loan is backed by collateral rather than a sale, borrowers retain exposure to XRP's price while accessing dollar-pegged liquidity.

“XRP is one of the largest assets in crypto and one of the least used in DeFi. That gap came down to infrastructure,” co-founder and CEO of Flare, Hugo Philion, said in a statement. “XRP is now collateral that an institutional risk team underwrites on Ethereum mainnet, which is a stronger form of recognition than another bridge listing.”

The model is similar to Wrapped Bitcoin (WBTC), which lets Bitcoin holders use their BTC in Ethereum-based decentralized finance without selling it. FXRP is designed to do the same for XRP, giving holders access to Ethereum lending markets.

The lending market runs on Morpho Blue, which uses isolated lending markets designed to contain risk if problems arise with a specific asset. Sentora said it reviewed FXRP's market behavior, oracle design, liquidity, and liquidation mechanics before approving it as collateral.

The launch builds on Ripple's effort to establish RLUSD as an enterprise-focused stablecoin. In August 2024, Ripple began testing RLUSD on Ethereum and the XRP Ledger for cross-border payments. In December 2024, the company received approval from the New York Department of Financial Services ahead of the stablecoin's launch. Last month, Mastercard said it will support settlement of regulated stablecoins including RLUSD, Circle's USDC, and SoFi's SoFiUSD.

“[Sentora] just took a major step to make XRP useful onchain,” Co-Founder, CTO-CPO of Sentora, Jesus Rodriguez wrote on X. “XRP is one of crypto’s largest and most liquid assets. Yet it remains surprisingly underused in onchain credit. That changes today.”

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Michael Saylor: I have never sold any Bitcoin. MicroStrategy's BTC trading is part of the company's capital management activities.

Strategy founder Michael Saylor posted a statement clarifying that his earlier "Never Sell Your Bitcoin" stance was shared with other Bitcoin holders in his capacity as an individual investor. Saylor said he has never sold any Bitcoin, "not even a single satoshi". He emphasized that Strategy is a public company, not a personal wallet, and has publicly disclosed since 2020 that it may buy or sell BTC for capital management purposes. Saylor noted that Strategy and its investors’ long-term conviction in Bitcoin remains unchanged, adding that the company’s related operations are part of its corporate financial strategy, while his personal stance on holding Bitcoin stays consistent. Previously, the market had been monitoring whether Strategy would adjust its Bitcoin holding strategy; Saylor’s latest remarks aim to clearly distinguish between personal Bitcoin holding behavior and public company asset management decisions.

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Head of Amazon Cloud Business: AI Business Has Enormous Potential Scale

Amazon (AMZN.O)’s cloud unit head said clients are shifting from using its services to train AI models to integrating these models into their own business processes, a trend driving surging demand for inference computing. Matt Garman, CEO of Amazon’s Cloud Computing Division, said on Monday: “We still see some companies using large training clusters, but as these models grow more popular and powerful, more firms are integrating this inference capability into their own workloads.” He noted that the potential of the AI business is “extremely huge,” adding that the company will continue to increase capital expenditure to meet growing demand. As the world’s largest provider of computing power and data rental services, Amazon said last week it projects capital expenditure will reach $220 billion in 2026, up from its prior forecast of $200 billion. The spending hike reflects rising prices of storage chips and other components required for data centers.

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The US military stated that it will continue its maritime blockade of Iran, and has altered the routes of 44 merchant ships.

US Central Command stated local time on August 3 that the U.S. military remains strictly enforcing the maritime blockade against Iran. As of that day, the U.S. military has altered the routes of 44 commercial vessels, disabled two vessels, and boarded and inspected two others.

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US officials said there are currently no plans to hold new negotiations with Iran.

According to U.S. network CBS, citing a U.S. official, despite Trump’s earlier announcement that negotiations with Iran would begin Monday afternoon (local time), no new talks are currently scheduled. Instead, ongoing discussions are underway between U.S. Middle East envoy Witkoff, Kushner, and the U.S. negotiating team and Iran via intermediaries.

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The Nasdaq’s gains expanded to 2%, with Google surging over 5% and Tesla rising 3.8%.

According to market data from Bit (Bit.com), the Nasdaq’s gain widened to 2%, the S&P 500 rose 1.3%, and the Dow rose 1%. Oracle (ORCL.N) climbed 7.3%, Google (GOOG.O) gained over 5%, Amazon (AMZN.O) and Microsoft (MSFT.O) rose over 4%, Tesla (TSLA.O) increased 3.8%, and Nvidia (NVDA.O) gained 3.2%.

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Jensen Huang: AI infrastructure investment will create a large number of six-figure-paying technical positions.

NVIDIA CEO Jensen Huang said the wave of AI infrastructure development will not only drive growth in the software sector, but also create numerous high-paying technical jobs that do not require a college degree. Speaking in a conversation with BlackRock CEO Larry Fink at the World Economic Forum in Davos, Huang noted that the world is undertaking "the largest infrastructure build in human history," with large-scale construction of AI data centers, semiconductor factories, and AI facilities set to generate massive employment opportunities. He pointed out that future high-paying roles will not only include software engineers and computer scientists, but also electricians, plumbers, steelworkers, and data center construction and maintenance personnel. "You don’t need a computer science PhD to earn a good income," he said. Global tech firms are projected to invest around $7 trillion in AI infrastructure by the end of this decade. As data centers and semiconductor facilities expand rapidly, demand for skilled industrial workers is rising steadily. McKinsey data shows that between 2023 and 2030, the U.S. will need an additional roughly 130,000 trained electricians, 240,000 construction workers, and 150,000 construction supervisors to meet infrastructure build requirements. Meanwhile, the impact of AI on traditional white-collar job markets has drawn attention. Ford CEO Jim Farley noted that AI is reducing demand for entry-level roles at tech companies, but the U.S. manufacturing and construction sectors still face severe labor shortages. Farley added that the U.S. is currently grappling with a major shortage of factory and construction workers, and future AI-driven reshoring of manufacturing and infrastructure investments will require more skilled industrial talent. BlackRock CEO Larry Fink has previously emphasized that skilled technical workers like electricians are critical for building and operating large AI data centers.

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Cryptocurrency analyst Bird has pointed to noteworthy technical activity in $XRP, highlighting a pattern identified by experienced trader and Xrpl validator SugarSniper. SugarSniper, with more than 25 years of trading experience, described XRP’s latest price correction as one of the most structured he has observed in his career. The assessment comes as XRP continues to trade within a sustained descending channel, drawing attention from traders monitoring both technical signals and regulatory developments.

Bird asked his X followers to examine XRP’s price charts, referencing a recurring timing pattern and urging close observation of both short-term movements and historical trends. According to Bird, past positive reactions in XRP have emerged after time intervals of 52 or 53 weeks, with the current cycle now entering its 55th week.

SugarSniper, sharing his analysis via chart, described the recent market move as, “one of the greatest ‘controlled’ corrections I have ever witnessed in my 25 years of trading. It is really amazing to behold. $XRP.” He suggested that the pullback is notably disciplined within its established structure, rather than being the result of chaotic or disorderly trading.

During his analysis, SugarSniper wrote, “This has to be one of the greatest ‘controlled’ corrections I have ever witnessed in my 25 years of trading. It is really amazing to behold. $XRP.”

The weekly chart for XRP displays the token trading within a well-defined downward channel, marked by multiple horizontal support and resistance levels. These marks represent price areas that traders may follow for potential market reactions. SugarSniper’s remarks highlighted the technical importance of maintaining this structure, with several market watchers debating whether the orderly pullback could eventually precede an upside movement.

Analyst Bird argued that XRP traders should not only track chart patterns but should also be aware of timing cycles that appear to repeat throughout the asset’s history. He acknowledged that while there are no certainties in markets, these cycles, when aligned with shifts in regulation or broader sentiment, merit greater scrutiny.

Market cycles and anticipation around the Clarity ActBird also drew attention to a possible link between the emerging 55-week cycle and upcoming regulatory moments, with particular reference to the Clarity Act. The cryptocurrency community is watching the next week for potential progress on the legislation, which could significantly affect sentiment and market movement for XRP.

Market participants and technical analysts have contributed additional context to the discussion. User WoeWoeWoethere observed that XRP has historically declined by an average of 14% during US midterm election years and questioned if this cycle would depart from that pattern. Meanwhile, technical analyst ChartNerd maintained a cautious stance, suggesting XRP might revisit the lower boundary of its descending channel regardless of regulatory catalysts.

Commenter A Reluctant Disciple took a broader view, emphasizing long-term market drivers such as advances in technology, growing liquidity, and increased institutional adoption. He noted that a constructive outlook may hold if these factors, as well as timing, technical patterns, and new regulation, continue converging.

Mini dictionary: Clarity Act, a legislative proposal in the United States intended to provide regulatory clarity for digital assets and cryptocurrencies, which could impact both projects and investors by defining the legal status of specific tokens.

Community perspectives and technical outlookWithin the wider discussion, several community members stressed the importance of tracking both technical and fundamental factors. The overlap between historical timing cycles, disciplined chart patterns, and anticipated developments within US policy has led many to watch closely for any signals that could shape XRP’s next directional move.

Bird emphasized, “No guarantees. But when time, structure, and narrative start aligning like this… we should pay attention.” His view was echoed throughout the thread by traders balancing caution and optimism as the market enters a potentially significant period for XRP.

CycleObserved Positive Reaction TimingPrevious 152 weeksPrevious 253 weeksCurrentEntering week 55 Bird indicated, “These marked positive XRP reactions have occurred after almost the exact same time cycle: 52 weeks. 53 weeks. Now we’re entering week 55.”

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

The company has made two new strategic investments, aiming to bring regulated fund issuance, settlement, and collateral mobility onto the XRP Ledger.

Ripple has expanded its digital capital markets strategy. The company announced today investments in Zilo and Lucuido – two firms that are focused on developing infrastructure for tokenized funds and institutional asset trading.

The move builds on existing partnerships with both firms. Ripple did not disclose the size of either investment.

Speaking on the matter was Nigel Khakoo, SVP, Trading and Markets at Ripple, who said:

“… ZILO and Licuido provide core capabilities that are essential to further scaling this shift: regulated digital transfer agency infrastructure and liquidity for issuance and collateral mobility. This is just the beginning of the journey, and we see a substantial opportunity to bring huge efficiencies to the investment sector over the next decade.”

ZILO provides transfer agency and fund administration technology. Its systems give asset managers and custodians regulated digital records for tokenized share classes. Licuido, on the other hand, operates an FCA-regulated platform that supports the issuance, distribution, trading, and use of traditional assets as digital collateral.

Ripple plans to integrate these capabilities with its infrastructure on the XRP Ledger. The company wants institutions to issue tokenized assets, hold them in custody, move them between investors, and use them as collateral without relying on legacy systems.

Naturally, RLUSD will serve as the regulated cash component for delivery-versus-payment transactions. This structure is designed to allow the asset and payment sides of a trade to settle together on XRPL.

The investments also support Ripple’s recent push to build a broader institutional platform around tokenization, payments, stablecoins, and trading. Last month, the firm launched Ripple Mint and made an investment in compliance provider Notabene. This strengthens the infrastructure that’s available to institutions using RLUSD.

You may also like: July’s Biggest Ripple (XRP) Stories: RLUSD Expansion, AI, and Institutional Adoption Ripple (XRP) News and Price Update: July 27 Do People Interested in XRP Actually Care About Ripple? It’s also noteworthy that the company has worked with Aviva Investors, Franklin Templeton, and DBS on tokenized fund and collateral projects. Ripple said that ZILO and Licuido will help turn those individual partnerships into infrastructure that asset managers can use at scale.

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Ripple announced strategic investments in ZILO and Licuido on Aug. 3, adding two United Kingdom based firms to its digital capital markets strategy on the XRP Ledger. 

Summary

Ripple invested in ZILO and Licuido to expand tokenized fund infrastructure on the XRP Ledger. ZILO launched an integrated platform combining traditional transfer agency with digitally native asset issuance capabilities. Licuido will use Ripple’s backing to scale issuance, trading and collateral mobility through XRPL infrastructure. RLUSD will serve as the cash leg for delivery versus payment settlements involving tokenized funds. Ripple disclosed no investment amounts, leaving financial terms and resulting ownership stakes unknown to investors. The company said the deals will add transfer agency, token issuance, trading and collateral mobility tools to its institutional infrastructure.

Ripple did not disclose either investment amount, the ownership stakes received or financial targets for the partnerships. Both companies separately confirmed the funding. ZILO also launched an integrated digital assets and transfer agency platform on Monday, while Licuido said Ripple’s backing would help scale its infrastructure on XRPL.

Ripple investments fill two gaps in tokenized funds ZILO supplies transfer agency and fund administration technology. Its new platform lets institutions manage conventional fund units and tokenized share classes within one operating system. The company says it can support issuance, settlement, reconciliation, payments, corporate actions and regulatory reporting without requiring a separate technology stack for digital assets.

Deepening our push into capital markets, we are investing in ZILO and Licuido to add regulated transfer agency, issuance and collateral mobility to our capital markets infrastructure built on the XRPL. This comes on the heels of Aviva Investors tokenising its US Dollar Liquidity…

— Ripple (@Ripple) August 3, 2026 Licuido covers another part of the process. Its platform handles token issuance, distribution and secondary trading, with tokenized fund units designed for use as collateral. Its regulatory position needs careful wording. Licuido Markets Limited is an appointed representative of Sapeno Partners LLP, which the Financial Conduct Authority authorizes and regulates.

The FCA explains that a principal firm sets an appointed representative’s permitted activities and remains responsible for that business. Licuido is therefore not presented on its website as a directly authorized FCA firm.

ZILO said its configuration tools translate fund rules, share classes and jurisdictional requirements into onchain logic. It also records legal ownership as assets move, a function that transfer agents normally perform within conventional fund systems. Licuido says its legal structure links each token to one for one fund ownership, although that claim will depend on the documents and regulatory treatment applied to each product.

RLUSD will settle the cash side of fund trades Ripple plans to use RLUSD as the cash leg for delivery versus payment transactions. In that model, the tokenized asset and payment settle together on XRPL rather than moving through separate systems at different times. Ripple says tokenized funds could then become collateral from issuance onward.

Ripple reports that XRPL has processed more than four billion transactions since 2012, supports more than seven million active wallets and is maintained by 120 independent validators. These figures describe general ledger activity rather than institutional tokenized fund usage.

The companies have not published transaction volumes, named new clients or shown that the combined system is operating at scale. Ripple executive Nigel Khakoo called the investment sector a “substantial opportunity” over the next decade. That statement is a company forecast, not a verified measure of future adoption or savings.

Aviva and DBS show where the stack may be used As crypto.news previously reported, Aviva Investors launched a tokenized share class of its U.S. Dollar Liquidity Fund on XRPL on July 29. The move brought a partnership announced in February into production. Ripple said ZILO and Licuido are among the partners supporting issuance, distribution, custody and further uses for Aviva’s tokenized fund structures.

The broader model also resembles Ripple’s work with DBS and Franklin Templeton. In related coverage, crypto.news reported that DBS listed Franklin Templeton’s sgBENJI money market fund token beside RLUSD and planned to explore lending and repurchase transactions using tokenized units as collateral.

Those projects give Ripple existing institutional settings in which ZILO’s records and Licuido’s market tools could be tested. However, Ripple has not confirmed that the two companies will support every Aviva, Franklin Templeton or DBS product.

What happens next for Ripple’s capital markets push The next steps depend on technical integrations and client launches. ZILO said it is providing Ripple with a digital transfer agency solution, but neither company published a deployment date. Licuido also said it would expand its collateral marketplace on XRPL without giving a launch schedule or naming participating asset managers.

Future disclosures will need to show which funds use the combined stack, what regulated activities Licuido performs under its principal firm, and whether RLUSD gains measurable settlement volume. Until then, the investments expand Ripple’s available infrastructure, but they do not establish adoption, revenue or liquidity outcomes.

Ongoing discussions about XRP’s long-term prospects have prompted crypto commentator Jenny to emphasize the coin’s utility as a payment settlement asset over its market capitalization.

Market cap versus settlement utilityJenny, known for her analyses in the digital asset space, argued that XRP’s core value lies in its capacity to move large volumes of liquidity efficiently across financial networks. Instead of using total market value to assess XRP, she encourages a focus on its role in facilitating settlements.

In a recent post on X, she presented a scenario where the price of XRP reaches $100 with a circulating supply of 50 billion tokens. Under these circumstances, the market capitalization would total $5 trillion. She pointed out, however, that this figure would not capture the full economic activity the XRP network could handle.

If every XRP token were involved in 1,000 transactions per day, Jenny estimates the system could support up to $5 quadrillion in daily processing, illustrating that repeated use can far exceed nominal market value.

Jenny maintained that the effectiveness of a digital asset used as infrastructure depends more on transaction velocity and volume than the headline market cap. In her view, the ability to settle payments rapidly and at scale is key.

Comparison with global settlement systemsTo convey her point, Jenny drew a comparison with SWIFT, a global financial messaging platform that processes trillions of dollars in transactions but is not assigned a market capitalization. She suggested that evaluating such infrastructure should center on throughput and usage rather than mere valuation.

SWIFT acts as a key network for international financial transfers, underpinning the movement of funds among banks worldwide.

Mini dictionary: SWIFT is a global network that allows financial institutions to securely transmit information and instructions, playing a central role in international banking transfers.

Jenny further stated that XRP’s functionality is more similar to the infrastructure side of SWIFT, providing settlement pathways rather than acting as a simple store of value.

Prioritizing network activityAccording to Jenny, XRP acts as a bridge currency in a financial environment that is rapidly becoming more tokenized. She highlighted that growth in network utility, high transaction throughput, and rapid liquidity movement are stronger metrics for judging adoption and value than market capitalization alone.

She suggested that if XRP were to process even a small fraction of global derivatives settlement, traditional market cap models would no longer accurately reflect the network’s significance.

Rather than focusing solely on market cap, Jenny believes the true value of XRP will be demonstrated through its settlement volumes and the efficiency it brings to global liquidity flows.

Members of the XRP community responded with mixed perspectives. Community participant Pardeep Singh questioned the practicality of a $5 trillion market cap, suggesting that a price between $6 and $8 would already be considered significant for most investors.

Another member, Keith, acknowledged that while SWIFT only handles messaging and has no market cap, XRP is positioned as a different type of technology—one that could eventually become the foundation of a new, blockchain-based settlement system.

The ongoing debate highlights the challenges in valuing digital payment assets, particularly as blockchain technology continues to disrupt legacy financial infrastructure.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

Cover image via depositphotos.com Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available.

After momentarily surpassing one of its strongest usage milestones in recent months, on-chain payment activity on the XRP Ledger has seen a sharp reversal. At the beginning of August, the daily payment volume between accounts surged above one billion XRP, but within a day, it fell by about 90%, demonstrating how erratic network activity still is. 

Does demand exist on the XRP Ledger? On-chain data from XRPL indicates that the volume of payments exceeded one billion XRP on Aug. 1 before falling back to roughly 100 million XRP. Although there are frequent sudden increases and decreases on the XRP Ledger, these kinds of movements typically indicate significant institutional transfers, treasury operations, or exchange-related activity rather than long-term organic demand. 

XRP/USDT Chart by TradingViewThe dramatic decline does not necessarily mean that fewer people are using the network. Rather than marking the start of a new growth trend, it implies that the extraordinary spike was probably caused by a one-time event. On XRPL, isolated spikes in activity that momentarily inflate transaction metrics before swiftly reverting to their long-term averages have become a common occurrence. 

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That uncertainty is mirrored in price action. After failing to maintain a short-term rising trendline that had bolstered the recovery throughout late July, XRP is currently trading at about $1.07. The 50-day EMA is still acting as overhead resistance at $1.10, but the asset also fell below its 26-day exponential moving average. Taken together, these moving averages are forcing prices into a more constrained range.

Big picture raises questionsDespite multiple attempts at recovery over the past month, XRP is still trading far below its 100-day and 200-day moving averages, indicating that the general trend still favors sellers. A neutral picture is also painted by momentum indicators. 

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The Relative Strength Index is close to 44, indicating minimal buying pressure without entering oversold territory. This implies that sellers have not yet gained total control, but it also leaves room for further downside in the event that support fails. The immediate support area is between $1.05 and $1.06. If that region is lost, XRP may experience another shift toward psychological support at $1.00. 

On the plus side, regaining the 50-day EMA would be the first significant technical advancement and might pave the way for a challenge to the 100-day moving average around $1.20. For the time being, the decline in payment volume highlights a recurring theme on the XRP Ledger. 

Large one-time transfers can generate eye-catching headline figures, but they are unlikely to change market sentiment or reverse XRP's broader technical decline unless they result in consistently high network activity.

Leading cryptocurrencies edged higher on Sunday as investors weighed President Donald Trump’s remarks about a potential Iran peace agreement.

Crypto Market ConsolidatesBitcoin wobbled within a range of $62,890 to $63,700, with trading volume surging 19% over the 24-hour period. Ethereum also remained stuck within $1,800, while XRP and Dogecoin traded in the green.

Nearly $150 million was liquidated from the cryptocurrency market in the last 24 hours, predominantly in bearish short positions, according to Coinglass data.

Bitcoin’s open interest rose 0.31% over the last 24 hours. Retail and whale derivatives traders remained net long on BTC, but trimmed their exposure from the day before.

"Fear" sentiment prevailed in the market, according to the Crypto Fear & Greed Index.

Top Gainers (24 Hours) 

The global cryptocurrency market capitalization stood at $2.17 trillion, following an increase of 0.82% over the last 24 hours.

Stock Futures Lift on Peace HopesStock futures climbed overnight on Sunday. The Dow Jones Industrial Average Futures rose 205 points, or 0.39%, as of 8:41 p.m. EDT.  Futures tied to the S&P 500 spiked 0.42%, while Nasdaq 100 Futures rallied 0.65%.

The upsurge came after Trump canceled planned strikes on Iran after being "asked" by Tehran and other Middle East nations to "hold off" to allow a deal to be reached.

BTC’s ‘Strong and Vital Move’ Incoming?Michaël van de Poppe, a widely followed cryptocurrency analyst and trader, noted record-low Bitcoin sentiment and high net negative positioning in the current cycle

He predicted that a sustained breakout above the $67,000-$68,000 resistance would trigger a “strong and vital move” due to liquidations, “accelerating” the move upward.

On-chain analytics firm Santiment also spotlighted Bitcoin’s lowest positive-to-negative commentary on major social platforms, with just 0.58 bullish comments for every 1 bearish comment.

“This panic reading is larger than the peak war fears earlier this year, as well as the other aforementioned events from crypto’s past,” Santiment added.

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Ongoing questions over the delayed progress of the US Clarity Act have not shaken the convictions of Black Swan Capitalist co-founder Vandell, who addressed concerns from investors seeking regulatory certainty in the digital asset sector.

Clarity Act delay and investor outlookVandell used social media to clarify that his long-term investment strategy in digital assets has never relied on the Clarity Act becoming law according to a specific timeline. He instead urged $XRP investors to focus on understanding the bill’s core objectives and to set realistic expectations for how its eventual enactment might influence market dynamics.

He stated that the Clarity Act is intended to establish clearer regulatory guidelines for cryptocurrencies, digital assets, exchanges, and token issuers in the United States. This legislative initiative seeks to address longstanding uncertainty surrounding the classification of digital assets as either securities or commodities.

The resulting uncertainty has historically hindered the broader adoption of digital assets, as institutional investors and corporations often prefer to wait for established legal frameworks before allocating significant capital to emerging technologies.

Vandell has emphasized that while delays are disappointing, the fundamental reasons for the legislation remain unchanged and he expects it will ultimately become law.

Lawmakers recently postponed further discussions on the Clarity Act until after the August Senate recess. Public reports have attributed the delay to disagreements over ethics provisions concerning public officials involved in digital asset markets, while Vandell believes it is mainly a matter of lawmakers requiring additional time for consideration. He continues to anticipate the bill’s eventual approval.

Black Swan Capitalist operates as an investment advisory group focused on the digital asset sector, providing insights on crypto market trends and macroeconomic developments.

Mini dictionary: Clarity Act, proposed US legislation aimed at providing a clear regulatory framework for digital asset classification and oversight, addressing whether cryptocurrencies should be defined as securities or commodities.

Potential market impacts and institutional involvementWhile Vandell remains optimistic about the long-term benefits of the Clarity Act, he has warned investors against assuming that passing the bill will trigger an immediate and sustained bull market. He explained that the long-term market effects of regulatory clarity often differ from the initial reactions seen in the financial markets after such news breaks.

According to his market experience, institutional investors often position themselves before major regulatory announcements. As such, a legislative breakthrough may spark a rapid surge in prices, but could also provide early investors with an opportunity to adjust their positions as liquidity increases.

Vandell highlighted that institutional capital deployment requires significant internal review, compliance procedures, and planning, meaning large investments are unlikely to occur overnight.

He noted that regulatory clarity alone does not address the liquidity requirements necessary for long-term growth. Sustainable expansion, Vandell argued, depends on regulations aligning with favorable macroeconomic policies and improved liquidity conditions.

He expects such an alignment would lay the groundwork for greater institutional involvement in blockchain infrastructure, tokenization projects, stablecoins, digital payments, and cryptocurrencies with real-world utility.

Vandell concluded that, although he anticipates the Clarity Act will eventually become law, its true impact for $XRP investors and the wider sector will develop gradually as regulatory certainty, supportive policies, and broader market participation converge over time.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

Japanese financial institutions are demonstrating continued optimism about XRP’s long-term potential, but institutional adoption remains constrained by a self-reinforcing hesitation, according to Meg Nakamura, Chief Operating Officer of Evernorth, a prominent blockchain infrastructure firm. Speaking at the WebX Asia 2026 conference in Tokyo, Nakamura identified what she described as a “chicken-and-egg” dilemma within the Japanese financial sector regarding XRP engagement.

Institutional Reluctance Stalls XRP AdoptionNakamura observed that a growing number of banks and financial companies in Japan recognize blockchain’s utility in finance. However, few are prepared to make significant commitments to XRP, as most prefer to see broader industry participation before investing heavily themselves. This dynamic, she explained, leads to a cycle where firms refrain from becoming early adopters, instead waiting to confirm that major peers have embraced the asset first.

According to Nakamura, this pattern reflects core elements of Japan’s financial culture, which emphasizes regulatory compliance, operational resilience, and long-term risk management over the benefits of first-mover advantage. She noted that institutions prefer to validate new technologies through limited pilot projects and strategic collaborations, rather than launching large-scale deployments at the outset.

“Institutions want proof that their peers have taken significant steps before they move themselves,” Nakamura explained, highlighting the self-reinforcing cycle slowing market-wide adoption.

Institutions are closely monitoring the sector, choosing limited pilots over leading on broad blockchain deployment, as they seek both validation and regulatory clarity.

Shift Toward Tokenization in Japanese FinanceWhile XRP’s potential remains a central focus, Nakamura noted that the industry’s attention has shifted toward tokenization—a process in which real-world assets are recorded and transacted as digital tokens on blockchain networks. In her remarks, she stated that tokenization is increasingly seen as a transformative opportunity for modernizing capital markets, extending blockchain’s relevance beyond digital payments and stablecoin transactions.

Tokenization allows assets such as government bonds, equities, real estate, private credit, commodities, and investment funds to be represented as tradable digital tokens. This approach can streamline settlement processes, reduce operational costs, unlock liquidity, and expand access to previously exclusive investment opportunities.

Mini dictionary: Tokenization is the process of converting ownership rights in real-world or financial assets into digital tokens on a blockchain. This enables fractional ownership, improved settlement, and increased market access for a wide range of assets.

Regulation and Infrastructure Shape OutlookFor Japanese financial firms, Nakamura highlighted that tokenization is not viewed merely as an additional crypto use case, but rather as the next major evolution of capital markets infrastructure. In this context, blockchain platforms such as the XRP Ledger are positioned to facilitate large-scale issuance, transfer, and settlement of tokenized institutional assets.

Regulatory clarity is rapidly shifting from a perceived constraint to a catalyst for financial product development, Nakamura observed. Transparent legal frameworks grant companies greater confidence to build blockchain-based services while remaining compliant with legal standards, significantly easing the adoption process.

Japan currently maintains one of the world’s most advanced regulatory environments for digital assets, which analysts say provides a strong foundation for tokenization initiatives moving forward.

As tokenization gains adoption and legal requirements become more defined, Japan’s initial hesitation on XRP could gradually dissipate, paving the way for broader institutional integration and financial innovation.

Nakamura suggested that as awareness grows and the regulatory environment continues to mature, Japan’s cautious approach to XRP and blockchain adoption could give way to greater participation, signaling a potential shift in the country’s financial landscape.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.