XRP is entering one of its toughest months with a four-year August losing streak hanging over its price. Crypto trader Zach rector still expects the token to fall below $1. But on the flip side, a major on-chain signal now suggests selling pressure is fading.
So, can XRP finally break its August curse this year?
Will XRP Finally End Its Four-Year August Losing Streak?XRP ended July near $1.06, and traders are now closely watching whether August will finally bring a change. The month has been difficult for XRP in recent years.
According to CryptoRank, XRP has finished every August in the red since 2022. The token fell 13.6% in 2022, 26.6% in 2023, 9.17% in 2024, and 8.15% in 2025, marking four straight years of August losses.
However, August is not XRP’s weakest month when looking at its full price history. On average, XRP has gained 0.43% during August, which is better than its average returns in June and February.
The real concern for investors is the recent four-year losing streak, which many traders hope will finally come to an end this year.
XRP Could Fall Below $1Crypto trader Zach Rector believes XRP may not be out of danger yet.
He warned that August has often been difficult during U.S. midterm election years. According to his analysis, XRP recorded August declines of 5% in 2014, 23% in 2018, and 13% during the last bear market. On average, XRP has fallen about 14% during similar periods.
If history repeats itself, Rector believes XRP could revisit the $0.88 to $0.90 range before finding a stronger bottom.
Meanwhile, chart analyst ChartNerd noted that XRP is once again approaching its long term ascending support line that has held since 2020. Previous touches of this level have often been followed by strong rallies rather than deeper breakdowns.
CryptoQuant Data Shows Leverage Has Been Flushed OutOne signal supporting the bullish case comes from CryptoQuant’s multi-exchange open interest data.
The chart shows XRP’s open interest across major exchanges, including Binance, Bybit, OKX, and Kraken, has dropped back to levels last seen before the late-2024 rally, even though XRP is still trading around $1.08.
This means speculative leveraged positions have largely been cleared from the market. Unlike the sharp open interest spikes seen during XRP’s January and July 2025 highs, the current market appears much healthier with fewer overleveraged traders.
XRP Price OutlookXRP’s recent history suggests caution, but current market conditions look different from previous years.
As of now, XRP is down 1.66% in the last 24 hours and is trading around $1.06 as the overall crypto market remains weak. If XRP stays above the important $1.00 support level, it could move between $1.05 and $1.10 in the coming days.
However, if the price falls below $1.00, it may drop further toward the $0.90-$0.95 range.
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Business leader Jake Claver has warned that XRP investors should look beyond short-term market movements and address the broader impact of their digital assets on estate planning. Claver emphasized that significant gains in cryptocurrency portfolios may create tax and inheritance challenges if not managed proactively.
Federal estate tax exposure for large crypto portfoliosClaver highlighted that, under current law, the federal estate tax exemption stands at $15 million for individuals and $30 million for married couples for 2026. Any portion of an estate exceeding these thresholds faces a 40% tax rate at the federal level.
He explained that investors holding substantial XRP positions without a trust risk exposing a considerable part of their wealth to this federal levy. For those whose total assets may someday surpass these limits due to crypto price appreciation, early planning could be critical.
If you hold XRP with no trust in place, everything above the estate tax exemption is exposed to a 40% federal rate. That exemption is $15 million per person now, $30 million for a couple. A trust can move future appreciation out of your taxable estate and make sure your heirs can actually reach the assets.
Claver urged investors to act before substantial appreciation occurs, to mitigate potential tax liabilities rather than waiting until assets reach higher valuations.
Role of trusts in estate planning for digital assetsPlacing XRP holdings into an irrevocable trust while asset values remain relatively modest can transfer future appreciation away from the owner’s taxable estate. Claver noted that this common estate planning strategy allows the value growth after the transfer to escape federal tax calculation at death, benefiting heirs by reducing tax exposure.
Irrevocable trusts require individuals to relinquish direct control and ownership of the assets. Because of their complexity, financial professionals recommend seeking legal advice before moving forward with such arrangements.
By including cryptocurrency in these trusts early, investors can leverage the current value of their digital assets to potentially shield larger sums in the future. The approach is considered especially relevant for assets expected to gain substantial long-term value.
Protecting access to digital assetsClaver further addressed the practical challenges unique to digital asset inheritance. With cryptocurrencies, access relies on private keys or hardware wallets, and without proper legal and technical arrangements, heirs might be unable to retrieve holdings even if they are entitled to them.
Trust structures can establish clear instructions and safe management for wallet credentials, simplifying the handover to beneficiaries if the original owner passes away or becomes incapacitated.
Cryptocurrencies do not operate like traditional financial accounts. Without thorough legal instructions and clear succession planning, heirs may permanently lose access to digital assets.
Professionals also note that some states impose their own estate or inheritance taxes with lower exemption limits, which adds further complexity for high-net-worth individuals holding XRP or similar cryptocurrencies.
Diversifying strategies and market accessEffective estate and asset planning is only one dimension of cryptocurrency management. Platforms such as 1stepSwap have expanded investor options by integrating the purchase and sale of real-world assets—including major U.S. equities and commodities like gold and silver—directly via blockchain wallets. With seamless access and price optimization tools, investors can diversify their portfolios and manage both traditional and digital assets without cumbersome intermediaries or complicated procedures.
Claver concluded that integrating estate strategies with active portfolio diversification can help investors secure long-term value for themselves and their beneficiaries, encouraging XRP holders to be proactive about potential legal, tax, and succession issues associated with growing digital wealth.
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.
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A scam attempt involving a fake Ripple announcement has emerged on social media, with XRP Ledger Foundation director of community Hussein Zangana (Vet) issuing a warning along these lines.
An XRP-focused X account, 'BankXRP,' called attention to a fake X post that claimed Ripple was launching "XRP Holder Tiers" and directing users to a fraudulent website to claim XRP badges.
💯 its a scam! Stay vigilant folks
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— Vet (@Vet_X0) July 31, 2026 A fake Ripple X account was used to share the announcement that Ripple was introducing XRP holder tiers. To lure unsuspecting victims, it claimed that the holder tiers unlock perks, a common tactic used by scammers, and urged them to visit a fake website to claim an XRP badge.
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BankXRP calls it a phishing scam, as Ripple never posted the announcement. Users are urged never to click the link to the fraudulent website nor connect their wallets, and neither should they enter their seed phrases, as doing so will result in their XRP tokens being stolen. They should bear in mind that neither Ripple nor the XRP Ledger requires holders to claim badges or register for perks.
XRP Ledger Foundation director of community Hussein Zangana (Vet) confirmed the fake Ripple announcement to be entirely a scam, urging the XRP community to stay vigilant.
Caution advisedThe warning highlights a growing trend of scammers impersonating major blockchain organizations, who create fake announcements intended to mislead users, potentially putting their assets at risk. Some even go as far as launching fake tokens.
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In a recent warning issued to the crypto community, XRPL developer Wietse Wind warned of fake tokens, saying there is no Xaman token.
Along these lines, Firelight, a liquid staking protocol for XRP built on the Flare Network, warned of fake accounts impersonating the project.
In an X post, Firelight warned that there is only one official Firelight X account, one official Discord, and one official website, urging users not to engage with fake accounts claiming to represent Firelight.
This week, in a crackdown against scam activities, Seoul police arrested three people over a fraudulent XRP staking platform that impersonated the Flare Network and FXRP projects and stole about 3.4 million XRP from 71 victims, with about 27.3 billion won ($19 million) reaching the operators' wallets.
Not financial or tax advice. PANews content is strictly educational and informational and is not investment advice, financial advice, tax advice, legal advice, or a solicitation to buy or sell any digital asset, security, or financial product. Do your own research and consult qualified advisers.
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The XRP Ledger quietly crossed a significant milestone in the first six months of 2026, adding 489,739 new accounts between January 1 and June 30. That pushed the network’s total account count from 7,913,554 to 8,403,293, and by July active accounts had climbed past 8.42 million.
What’s actually driving the growth Ripple’s RLUSD stablecoin, which runs natively on the XRP Ledger, saw its circulating supply on the network grow to approximately $873 million in the first half of the year. Every RLUSD transaction settles in XRP fees, meaning more stablecoin volume creates structural demand for XRP as a utility token.
According to Messari, XRPL transaction volume exceeded 35% growth quarter-over-quarter in Q1 2026.
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XRP held on exchanges fell to a seven-year low of 2.748 billion tokens, a signal that holders are moving assets into self-custody or longer-term positions. Spot ETF inflows for XRP reached $1.5 billion on a cumulative basis.
The price divergence problem XRP traded near $1.07 in July 2026, down roughly 41% year-to-date. For a network posting its strongest first-half account growth in recent memory, that’s a notable disconnect.
When fewer tokens sit on exchanges, the available float for buyers shrinks. Given that $1.5 billion in cumulative ETF inflows has not yet translated into price recovery, either those inflows are being offset by other selling pressure, or the price has further room to reflect the demand.
RLUSD’s growth adds a structural element: a stablecoin with nearly $873 million in circulating supply on a single chain generates consistent, recurring transaction fee demand. As RLUSD scales further, the fee-burn mechanic means more XRP consumed per unit of economic activity on the ledger.
Context and what to watch The XRP Ledger has been operating since 2012. The 489,739 new accounts added in six months represents a meaningful acceleration in the context of a network that took years to reach its first million accounts.
Three dynamics are worth tracking: RLUSD’s supply trajectory as it approaches $1 billion in circulating supply; the continued decline in exchange-held XRP, which narrowed the available float to 2.748 billion tokens; and the relationship between the $1.5 billion in cumulative spot ETF inflows and a price that remains down 41% year-to-date.
Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.
Technical analyst Dark Defender has drawn new attention to XRP’s price outlook, sharing a detailed long-term chart and expressing confidence in the cryptocurrency’s potential for substantial gains.
XRP’s technical pattern signals possible bull runPosting his latest chart on X, Dark Defender highlighted multi-year technical developments in XRP, focusing on the asset’s apparent resilience despite prevailing market headwinds. He emphasized his perspective with the comment, “The chart speaks. XRP is inevitable,” underscoring his belief that the technical structure remains supportive of an upward move over the years ahead.
The daily and monthly charts, as presented by the analyst, trace XRP’s price cycles with an Elliott Wave interpretation. According to this analysis, the altcoin has completed a significant corrective phase and is now positioned for a potential long-term advance.
Key elements of the technical overview include an ABC corrective wave structure seen as finished, followed by anticipation of an impulsive five-wave rise. The analyst identified the $1 mark as a crucial support region and outlined a series of Fibonacci extension targets.
The chart details the 161.8% Fibonacci extension near $1.88, the 200% mark around $2.90, the 261.8% level at $5.86, a 300% extension at $9.03, and an ambitious target of $18.23 for the 361.8% extension, should the projected wave structure unfold successfully.
Dark Defender’s chart also highlighted a rounded base formation spanning several years, suggesting a prolonged accumulation period for XRP leading up to a possible sustained rally. The technical path expects intermittent volatility, yet outlines a broader bullish trajectory through the full Elliott Wave count.
Community reactions and long-term sentimentThe post quickly sparked discussion within the XRP community. Commenters shared optimism about the asset’s future while acknowledging the ongoing patience required of long-term holders. For example, SKIXSKIS remarked that their involvement with $XRP dates back to 2016, noting hopes that the “inevitable” upward move will materialize sooner rather than later, reflecting the anticipation of many veteran investors. Another user, Jack J, expressed confidence in the analyst’s roadmap, stating his belief in the potential for the projected movements to play out over time.
While the analysis is grounded in technical indicators and long-term price structures, the realization of proposed targets ultimately depends on wider market dynamics, investor attitudes, and industry developments.
As technical observers continue to track pivotal support and resistance levels, tools that streamline crypto market monitoring are gaining interest among investors. CryptoAppsy, which requires no account creation hassle, combines investment tracking, real-time prices, multi-currency portfolio management, detailed charts, smart price alerts, customized news feeds, and instant discovery of newly listed altcoins—all on a single screen. By providing timely macroeconomic data such as Fed interest rates, the application lets users closely track technical breakouts and stay prepared for market opportunities.
Despite enthusiastic community engagement and compelling chart analysis, market participants remain aware that any price projections involve uncertainty. Technical frameworks such as Elliott Wave are popular for forecasting trends, but broader sentiment and macro factors can heavily influence outcomes.
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.
US spot $XRP ETFs have quietly crossed a significant milestone, surpassing $1.5 billion in cumulative net inflows, according to data from SoSoValue. Total assets across the funds have climbed back above $1 billion, representing approximately 1.48% of XRP's overall market capitalisation.
Steady, One-Directional Flows What stands out is not the size of the flows but their consistency. Outflows have remained relatively modest, with even one of the largest weekly withdrawal periods this year seeing only around $7 million leave the funds. The category has recorded just one negative week since late May and has posted three consecutive green weeks heading into the end of July. Thursday's session added $5.98 million, split between @Bitwise and Franklin.
The products attracted capital quickly after launch, reaching $1 billion in cumulative inflows by mid-December 2025, less than a month after the first spot XRP ETF entered the market, with daily inflows regularly exceeding $20 million in that early period. The pace moderated after cumulative inflows climbed above $1.2 billion in early January 2026, when the ETFs recorded their first daily net outflow of $40.8 million. Since then, flows have been smaller but persistently positive.
Bitwise Leads, Canary and Franklin Follow Among individual issuers, @Bitwise holds the top spot. The Bitwise XRP ETF leads all spot XRP ETFs with $504 million in cumulative net inflows, ahead of Canary Capital's $467 million and Franklin Templeton's $425 million. The Bitwise product accounts for roughly a 33% share of total cumulative net inflows, the largest for any single product.
The category's accumulation has come from smaller, specialised issuers including Bitwise, Canary, Franklin, Grayscale, and 21Shares, without the mega-allocator channel that a firm like BlackRock provides, which is part of why total assets under management remain modest relative to Bitcoin's tens of billions. Bitcoin ETFs, by comparison, hold more than $94 billion in net assets.
Still, the directional consistency of XRP ETF flows has caught attention. Bitcoin and ether products have shown cooling institutional appetite, but XRP products have continued adding money, taking in roughly $35 million between May 20 and May 29 while bitcoin ETFs lost approximately $1.70 billion and ether ETFs shed $309 million over the same period.
Sources:
The Crypto Basic: XRP ETFs Reach Record $1.5B in Cumulative Inflows
CoinDesk: XRP-linked ETFs Drew Inflows as Bitcoin and Ether Funds Lost $2 Billion
SoSoValue: US XRP Spot ETF Data Dashboard
XRP traded around $1.06 to $1.08 on major exchanges this week, positioning the token near a critical support zone while its short-term technical outlook remained under downward pressure.
XRP trades below key resistanceAt last check, XRP was priced at nearly $1.07 on Bitstamp, reflecting a 2.7% decline over the past 24 hours and keeping the asset below the pivotal $1.10 level. Earlier this month, buying activity helped defend the $1.00 to $1.05 region, although attempts to rebound have consistently encountered resistance at $1.08 and above.
The ongoing compression between these levels has heightened focus on the upcoming break, with traders watching for a decisive move beyond established support or resistance.
Recent market analysis has identified $1.045 as the nearest downside level, with any loss exposing XRP to additional selling pressure. Conversely, a recovery that pushes prices above the $1.10 to $1.13 band would be viewed as an early signal of potential reversal.
Bearish break of structure below $1.085Technical data highlights a clear bearish break of structure (BoS) on the four-hour chart after XRP slipped below $1.085. That level now serves as a defining pivot for near-term price action.
Moving averages underline this pressure. As of the latest close, XRP hovered around the 21-period EMA at $1.079, with longer-term averages—such as the 55-period EMA near $1.091—serving as additional resistance blocks. The key swing low at $1.045, which remains untested, stands out as an important reference if weakness persists.
A four-hour close below $1.079, reinforced by further declines, could keep the bearish setup active and bring volatility-band levels like $1.058 into play. In contrast, any move reclaiming the $1.099 region would cast doubt on the bearish narrative and refocus attention on the $1.1167 swing high.
XRP faces compression between moving averagesReviewing the moving-average cluster reveals stiff resistance. Short-term averages—including the 10-, 20-, and 30-period EMAs—all reside above the present market. The 10 EMA and 20 EMA sit near $1.085 and $1.093, respectively, while the 50 EMA rises higher at $1.127.
Longer-term trend markers such as the 100 EMA at $1.210 and 200 EMA at $1.407 amplify the obstacles confronting bullish attempts. The only relative exception is the Hull Moving Average 9 at $1.066, which generates a modest buy signal and could provide dynamic support if tested—but a single indicator does not overturn the broader bearish case.
Investors monitoring these technical milestones can leverage dedicated apps to stay ahead of market shifts. CryptoAppsy, which requires no account creation hassle, combines your crypto investments with real-time prices, detailed charts, and multi-currency portfolio management on a single screen. With this all-in-one financial assistant, you can instantly seize opportunities by setting up smart price alerts, filter news specific to your coins, discover newly listed altcoins without missing them, and always stay one step ahead of the market with critical macroeconomic data such as Fed interest rates.
Momentum indicators remain mixedMomentum readings add nuance to the otherwise negative trend. The 14-period RSI remains steady near 43, indicating neither strongly oversold nor overbought conditions. While this suggests continued selling pressure, RSI does not show the kind of extreme reading typically associated with major breakdowns.
Other momentum tools are equally divided. The Stochastic %K is near 25, and the CCI stands at -87—both in the neutral range. The Stochastic RSI Fast does point to a potential short-term rebound, offering the lone buy signal among key oscillators.
Yet, MACD and Momentum continue to reflect weakness, and the negative Bull Bear Power value affirms the presence of active sellers.
On balance, XRP is locked between notable support near $1.045 and resistance at $1.10. Technical signals favor caution, as the prevailing trend strength remains muted, according to the low ADX value.
Potential scenarios for XRP: Breaking $1 support or reclaiming $1.10A confirmed loss of $1 support would represent a significant technical development, potentially invalidating recent consolidation and opening the path toward $0.80. Such a decline would also align with support levels identified in various pivot frameworks, such as S1 at $0.918 and S2 at $0.798.
However, reclaiming the $1.10-$1.13 resistance area would challenge the bearish structure, especially if followed by further gains toward $1.16 or the $1.20-$1.25 range. Buyers would need to display sustained strength to confirm a reversal pattern, rather than just a temporary bounce.
A brief move above $1.10 is not enough to signal a definitive shift in trend. Analysts stress that XRP will need to not only breach this resistance but hold above it and establish higher highs and higher lows to confirm a reversal.
For now, the token remains trapped in a compression phase, with a bearish tilt present as long as short- and long-term moving averages cap upward momentum. Only a decisive move through the nearby support or resistance will set the stage for XRP’s next directional trend.
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.
RippleX Head of Product Jazzi Cooper has confirmed that the long-anticipated xrpld 3.3.0 upgrade will be officially released next week, marking a new milestone in the evolution of the XRP Ledger (XRPL).
Key features and institutional boostThis release consolidates five core amendments into a single, comprehensive upgrade package. The update is expected to drive the XRPL ecosystem toward widespread global adoption, extending its use from cross-border payments and trading to collateral management and instant settlement processes.
All new features are subject to independent review and approval by the community’s validators before activation, following the XRPL network’s established procedures. The technical specifications and documentation for these changes are already available on Ripple’s open-source platform.
Ripple has outlined a plan to release additional technical analyses and security reports in the coming weeks. These resources are intended to assist node operators and developers with seamless code integration and to reinforce trust in the protocol’s security and governance.
This upgrade eliminates technical and legal obstacles that have long impeded traditional financial institutions from participating in public blockchains.
Among the most significant changes introduced is support for secure institutional delivery-versus-payment (DvP) settlements. The protocol now enables up to eight transactions to be executed atomically, ensuring that all are processed together or none at all. This all-or-nothing execution is designed to enhance reliability and compliance for institutional transactions.
User experience improvements and real-world asset integrationThe upgrade also seeks to simplify blockchain interactions for everyday users. One of the standout features is fee sponsorship, which permits large institutions to cover network transaction fees on behalf of their clients. As a result, ordinary users are no longer required to buy or store XRP in order to transact on the network.
Regulatory adaptability is addressed by allowing token parameters to be updated dynamically. This capability is aimed at ensuring compliance with evolving legal frameworks, further positioning XRPL as a foundation for the secure circulation of tokenized assets.
Against this technical backdrop, practical solutions are emerging to bridge the crypto and traditional finance sectors. Platforms such as 1stepSwap play a growing role by transferring real-world assets like US company shares and commodities including gold and silver directly onto the blockchain. This approach allows users to access these assets via their wallets without intermediaries or unnecessary complexity.
The most unique aspect of 1stepSwap lies in its ability to scan the market for the best available price at any given instant, giving users the capability to buy and sell leading global stocks rapidly and at optimal rates while diversifying their holdings.
Infrastructure for compliant tokenizationCombined, these technical upgrades and user-centric developments aim to transform XRPL into a robust infrastructure for the compliant movement of tokenized capital. By addressing both the needs of institutional players and simplifying user access, the network positions itself at the frontier of blockchain adoption in regulated financial environments.
The fee-sponsorship capability is set to remove a key barrier for mainstream users, allowing institutions to handle transaction costs and reducing friction for new entrants.
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.
Cryptocurrency commentator Amonyx, known for his bullish stance on XRP, renewed his optimistic outlook by stating that XRP will generate more millionaires than Bitcoin ever achieved. He called on his followers to bookmark his prediction, suggesting a high level of confidence in XRP’s future performance.
The case for XRPAmonyx has consistently positioned XRP as a cryptocurrency with strong upside potential, arguing that its growth could surpass even the early meteoric rise of Bitcoin. He bases his assertion on increasing institutional interest and expanding use cases for XRP, coupled with progress on the regulatory front.
Several market analysts share his view, projecting that XRP may soon experience a significant rally, with some forecasting a marked increase in the number of millionaire holders over the coming months. These analysts point to factors such as greater corporate adoption, technical development, and rumored advances in legal clarity as potential catalysts for rapid price growth.
Amonyx maintains that “XRP will make more millionaires than Bitcoin ever did,” emphasizing his belief and urging followers to remember his words.
Mini dictionary: Amonyx, a well-known cryptocurrency commentator and influencer recognized for vocal advocacy of XRP across social media, regularly shares analysis and predictions that attract attention within the digital asset community.
XRP Army reactsAmonyx’s bold forecast sparked a lively response from the XRP online community, often referred to as the “XRP Army.” Many voiced support for his prediction, while some adopted a more cautious or skeptical stance in light of XRP’s recent price history.
One community member highlighted XRP’s struggles, noting that the asset currently trades about 75% below its 2018 peak. Others injected humor or skepticism, suggesting millionaire dreams may only materialize far in the future or pointing out that such claims have circulated since the coin’s inception more than a decade ago.
Among optimistic voices, some users expressed confidence that the projection would eventually play out, citing increased public awareness and accumulation strategies. One participant mentioned working toward a personal goal of collecting 5,000 tokens, though analysts commonly reference 10,000 XRP as an aspirational benchmark for would-be millionaires.
XRP price referenceCurrent price performancePopular accumulation benchmark2018 highDown 75%10,000 XRP Several community members noted that despite challenges, optimism remains that momentum for XRP will translate into substantial gains for long-term holders.
What this means for investorsInterest in XRP remains strong among individual investors, reflecting a broad sense that the digital asset could be undervalued relative to its perceived potential. Many prominent analysts argue that holders continue to have time before any major surge, interpreting current conditions as a window of opportunity.
The conviction that XRP can drive a new generation of wealth is largely based on expectations of regulatory clarity and increased real-world utility. While debate continues around the timing and magnitude of any prospective price rally, sentiment within the core XRP community remains upbeat.
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 giant SBI Holdings says its stake in Ripple remains worth roughly 6.6 trillion yen (about $45 billion) despite a recent slowdown in XRP's price, underscoring the company's continued confidence in the blockchain firm as regulatory clarity begins to take shape.
Speaking during SBI's first-quarter earnings presentation, Director Yasuo Nishikawa, who was replacing CEO Yoshitaka Kitao for the presentation, said XRP's recent weakness appeared to coincide with uncertainty surrounding the U.S. CLARITY Act, the much-talked-about legislation that has so far failed to pass.
"As if waiting to see the outcome of the CLARITY Act, XRP's price has been sluggish. Even so, the value of our holdings in Ripple alone stands at 6.6 trillion yen."
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The comments came as SBI reported record first-quarter earnings across every level of profitability, with quarterly profit attributable to shareholders reaching 148.1 billion yen. This figure is nearly 2.5 times higher than a year earlier.
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The company's private equity business, which includes its investment in Ripple, was one of the strongest-performing segments during the quarter. SBI said profit from the division surged 328% year-over-year to 119.9 billion yen. The growth can be mostly attributed to its investments in advanced technologies, including crypto, artificial intelligence, semiconductors, and quantum computing.
Crypto headwinds SBI acknowledged that its cryptocurrency business faced headwinds due to subdued market conditions. The segment posted a 1.4 billion yen pretax loss, although the company noted that its global crypto market-making subsidiary B2C2 remained profitable.
The financial titan said it is positioning itself to benefit once market activity rebounds.
Its recent crypto-related initiatives include the launch of support and lending services for the Japanese stablecoin JPYS, as well as new partnerships and strategic investments that are centered on on-chain finance.
The company also reiterated plans to complete its acquisition of Japanese cryptocurrency exchange Bitbank in August. SBI expects its combined crypto business to serve roughly 3 million customer accounts with approximately 870 billion yen ($5.9 billion) in assets under custody.
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Of course, it should also be noted that SBI has long been one of Ripple's closest partners.
The two companies are promoting blockchain-powered payment solutions across the Asia-Pacific region.
The latest valuation shows Ripple remains one of the most valuable assets within SBI's investment portfolio.
Coach Chad, a well-known cryptocurrency investor active on social media under the name @Blockchain3alvw, recently highlighted concerns about the tightening supply of XRP, the digital asset developed by Ripple Labs. He shared a video explaining the structure of XRP’s current supply and factors that may impact future availability.
The supply breakdownXRP’s total supply is fixed at 100 billion tokens. Of this amount, Ripple has placed 50 billion XRP in escrow. Escrowed XRP cannot be traded or freely accessed, which restricts immediate circulation and aims to provide market stability over time.
Beyond escrow, another significant portion of XRP is held in cold wallets by investors who rarely trade their holdings. According to the video, these long-term investors show reluctance to sell, further reducing the liquid supply available for trading on exchanges.
Institutional investors also play a role. Entities behind XRP exchange-traded funds (ETFs) typically hold large amounts of XRP for extended periods instead of quickly cycling assets on and off the market. This practice continues to remove supply from active trading.
The speaker emphasized, “There really isn’t that much XRP left,” underscoring that the token’s widely assumed abundance may not reflect actual market conditions given escrowed amounts and investor behavior.
The total supply of XRP is capped at 100 billion, and a significant portion is already in circulation or locked into long-term institutional and ecosystem use. As global adoption grows, every available XRP could become increasingly valuable.
Mini dictionary: Escrow, a financial arrangement where a third party holds and regulates payment or asset transfer, is used by Ripple to lock up a portion of XRP tokens and release them periodically.
Possible supply shock scenariosThe video warns of a potential supply shock if demand for XRP increases while its availability remains limited. As the tradeable portion of the token shrinks, any surge in buying interest could drive significant price movements within a short timeframe.
One scenario centers on BlackRock, a global investment management firm. If BlackRock were to launch an XRP ETF, the assets absorbed into such a fund could further tighten supply and magnify any supply shock. The video uses this example to illustrate how large-scale institutional activity can have an outsized effect when supply is already constrained.
FactorImpact on XRP SupplyRipple escrowLocks 50% of total supply, unavailable to marketCold wallets/long-term investorsFurther reduces liquid tokens on exchangesInstitutional ETFsHold significant XRP for long periods, lessening availabilityCoach Chad’s outlook and adviceCoach Chad aligns his outlook with the video’s core message, stating that much of XRP is “already in circulation or locked into long-term institutional and ecosystem use.” He points to global adoption as a factor that could increase the value of available tokens, as scarcity intensifies.
He also advises current holders to consider keeping their XRP in secure storage. He argues that, given increasing institutional interest and existing scarcity, holding could offer advantages if demand rises sharply in the future.
Less available supply combined with growing institutional interest creates conditions where scarcity drives value. The argument does not rely on speculation about partnerships or regulatory developments. It rests entirely on supply and demand.
Ripple Labs, which launched XRP in 2012, designed its digital asset to facilitate fast, cost-effective cross-border payments. The company continues to play an active role in managing token supply through its escrow system and promotes the ecosystem through ongoing partnerships and technological innovation.
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.
SBI Holdings, one of Japan’s leading financial services groups, reported that the value of its stake in Ripple remains at approximately 6.6 trillion yen, or around $45 billion, even as XRP’s price has seen a recent downturn. The company signaled continued faith in Ripple and pointed to growing regulatory clarity as a source of stability for its investment.
Record quarterly profit and growing investment in new technologyDuring its first-quarter earnings presentation, SBI Holdings showcased record results, with quarterly profit attributable to shareholders reaching 148.1 billion yen. This number represents an increase of more than twofold compared to the same period last year.
Director Yasuo Nishikawa, who filled in for CEO Yoshitaka Kitao at the event, attributed part of the profit surge to SBI’s investments in advanced technologies. The group’s private equity business, which includes its significant stake in Ripple, delivered 119.9 billion yen in profit, a jump of 328% year-over-year.
SBI’s private equity activities focus on sectors such as cryptocurrency, artificial intelligence, semiconductors, and quantum computing. This diversified technological strategy has helped drive profitability, even during challenging periods for some digital assets.
Mini dictionary: SBI Holdings, a major Japanese financial conglomerate, operates a wide range of businesses including banking, securities, and investment, as well as extensive involvement in fintech and digital assets.
XRP’s recent price stagnation appears to be tied to lingering uncertainty over the U.S. CLARITY Act. Despite this, the value of SBI’s holdings in Ripple remains at around 6.6 trillion yen.
Crypto business faces market headwindsDespite robust profits in private equity, SBI reported a pretax loss of 1.4 billion yen for its cryptocurrency business in the quarter. The company cited subdued market conditions as a primary cause. However, it also highlighted that its global market-making arm, B2C2, continued to operate profitably during this period.
SBI explained that it views the current environment as an opportunity to prepare for a resurgence in crypto activity when markets turn more favorable.
Ongoing crypto initiatives and partnershipsThe group’s recent initiatives in digital assets include launching support and lending services for JPYS, a Japanese stablecoin, as well as forming new partnerships and making strategic investments in solutions centered on on-chain finance.
Additionally, SBI confirmed it plans to complete the acquisition of Bitbank, a prominent Japanese cryptocurrency exchange, in August. Upon completion, SBI expects to manage around 3 million customer accounts holding 870 billion yen (approximately $5.9 billion) in assets under custody.
SBI’s longstanding partnership with Ripple has also been vital. Together, the two firms are advancing blockchain-based payment solutions across Asia-Pacific, with Ripple standing out as a core asset within SBI’s portfolio.
The latest financial figures reinforce Ripple’s position as one of SBI’s most valuable technology investments.
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 conglomerate SBI Holdings has put a 6.6 trillion yen price tag, roughly $41 billion, on its stake in @Ripple, disclosing the figure during its earnings presentation for the April to June quarter. A company director attributed the sluggish performance of $XRP to market uncertainty around the US CLARITY Act, describing the cryptocurrency as seemingly waiting on the outcome of the stalled legislation.
Record Earnings, Quiet Crypto Markets SBI recorded its most successful first quarter ever, with revenue growing to 571 billion yen and net profit attributable to shareholders reaching 148.1 billion yen, up 149.9% year over year. The Ripple holding sits within the group's private equity division, which was its best-performing segment. The crypto asset business itself posted a 1.4 billion yen pretax loss amid weak market conditions, though the group's global crypto market maker B2C2 remained profitable.
On the regulatory backdrop, the Senate Banking Committee advanced the CLARITY Act in May, and it appeared on the Senate's Legislative Calendar on June 1. The bill missed the White House's July 4 target but remains eligible for a floor vote whenever Senate leadership schedules one. The SEC and CFTC jointly classified $XRP as a digital commodity in March 2026 through regulatory interpretation, and the CLARITY Act would write that status into federal statute, removing the risk of a future reversal.
Doubling Down: The Bitbank Acquisition Despite the soft crypto quarter, SBI is expanding its digital asset footprint. SBI Holdings has agreed to acquire Japanese crypto exchange Bitbank for 46.7 billion yen ($288.6 million), a deal that would create Japan's largest regulated crypto exchange group. Combined with SBI VC Trade, the merged operation would hold an estimated 2.92 million crypto asset accounts and approximately 1.1 trillion yen, around $6.8 billion, in assets under custody.
The acquisition is expected to close in or around October 2026, subject to approval by the Japan Fair Trade Commission. SBI has framed the purchase as part of a broader strategy to expand its crypto business ahead of potential regulatory developments in Japan. The group has maintained close ties with Ripple since 2016 and remains one of its largest external shareholders, with an estimated 9% equity stake.
Sources:
CoinGape: SBI Holdings reaffirms $41.2B stake in Ripple despite XRP price weakness
CoinDesk: SBI Holdings to buy Bitbank for $289 million
Bitcoin Magazine: SBI Holdings agrees to acquire Bitbank
SBI Holdings has reaffirmed its exposure to Ripple, telling investors that its Ripple shareholding carries an estimated value of $41.2 billion despite weaker XRP prices and sluggish crypto market conditions.
Summary
SBI cited a ¥6.6 trillion valuation for its Ripple shareholding during its first-quarter earnings presentation. SBI’s crypto asset business posted a ¥1.4 billion pretax loss, although market maker B2C2 remained profitable. First-quarter net profit rose 149.9% year over year to ¥148.1 billion. SBI is also expanding through the Canton Network and a ¥3 billion crypto fund. SBI maintains its Ripple position despite XRP weakness SBI discussed its Ripple investment while reporting results for the first quarter, during which the Japanese financial group described its cryptocurrency business as sluggish.
Management linked the muted operating environment partly to uncertainty over whether the U.S. Senate will pass the CLARITY Act, a proposed market structure bill intended to define oversight responsibilities for digital assets.
“The cryptocurrency business remains sluggish, as if waiting to determine whether the CLARITY Act will be enacted,” SBI said in its earnings presentation.
The company added that its “Ripple shareholding alone is worth ¥6.6 trillion,” equivalent to about $41.2 billion at current exchange rates. The figure represents SBI’s stated valuation and should not be confused with cash realized from selling the investment.
SBI has maintained a relationship with Ripple for roughly a decade. The companies formed SBI Ripple Asia in 2016 to promote blockchain-based payments and settlement services across Japan and other Asian markets.
XRP’s recent decline has weakened sentiment around Ripple-linked assets, but SBI’s comments indicate that the group continues to treat the relationship as a long-term strategic investment rather than a short-term position tied solely to the token’s price.
CLARITY Act remains a key US catalyst SBI’s comments placed part of the focus on Washington, where lawmakers have continued negotiations over the CLARITY Act before the Senate’s August recess.
Sen. Cynthia Lummis said Senate Majority Leader John Thune had retained space for the legislation on the chamber’s agenda, although nominations, government funding and a sanctions vote were competing for floor time.
“I believe he does intend to go through with it,” Lummis said, adding that a vote could occur within days.
Passage is not guaranteed. Senate leaders would need enough support to overcome procedural hurdles, while any amended version could also require further action in the House.
For Ripple and other U.S.-linked crypto businesses, the bill could provide clearer boundaries between the Securities and Exchange Commission and Commodity Futures Trading Commission. SBI’s remarks suggest the Japanese group views progress on U.S. regulation as relevant to both market activity and Ripple’s longer-term prospects.
SBI reports record first-quarter earnings Weakness in SBI’s digital asset division did not prevent the broader group from recording its strongest first quarter.
Revenue reached ¥571 billion, while profit before tax climbed to ¥225.8 billion. Net profit attributable to shareholders rose 149.9% from a year earlier to ¥148.1 billion.
SBI reported a 29% return on equity over the past year, exceeding its medium-term target of 15%. However, the crypto asset segment recorded a ¥1.4 billion pretax loss. SBI said institutional crypto market maker B2C2 remained profitable during the period.
The group is also seeking to expand its domestic digital asset business through crypto lending, stablecoin-related services and its planned acquisition of Bitbank. SBI expects the deal to help increase its crypto customer base to about three million accounts and lift assets under custody to approximately ¥870 billion.
SBI expands beyond Ripple and the XRP Ledger SBI’s blockchain strategy is no longer limited to Ripple. Earlier this week, the group restructured a wholly owned subsidiary to focus on the Canton Network, an institutional blockchain designed for regulated financial markets.
SBI Security Solutions was renamed SBI Digital Practice Co. Ltd. The company will develop financial infrastructure and applications for institutions, including regulatory compliance tools and systems supporting cross-border and multi-currency transactions.
SBI Financial Services has also partnered with Japanese game developer Gumi on SBI Crypto Fund I. The private fund began operating on Aug. 1 with roughly ¥3 billion in committed capital and will invest mainly in Bitcoin and major listed altcoins. Daiwa Securities Group and other investors have backed the vehicle, although individual commitments and planned allocations were not disclosed.
Together, the Ripple holding, Canton Network unit and new investment fund show SBI is broadening its digital asset exposure even as XRP and its crypto division face near-term pressure.
Ripple [XRP] was trading just above the $1 level. It was down 2% in 24 hours, following Bitcoin’s slip below the $63k level in recent hours. July 30 saw strong spot STF inflows of nearly $6 million for XRP, signaling some investor conviction.
Total net assets were at $1 billion, but the price action was dominated by sellers.
Onchain, a consolidation phase and reduced leverage could lead to healthier market conditions in the future. Here’s how.
Clues from whale accumulation and falling XRP inflows Source: CryptoQuant Data showed that XRP withdrawal transactions from exchanges reached their highest since February 2021. Their strongest dominance in five years was accompanied by XRP deposits falling to their lowest since 2021, too.
This shift accelerated towards the end of July, signaling potentially increased accumulation.
It must be clarified that the metric deals with transaction counts, not transfer volume. Hence, it does not prove sizeable capital flow away from exchanges.
Source: CryptoQuant At the same time, the withdrawal transactions reached multi-year highs, while XRP exchange inflows reached their lowest level ever. Crypto analyst Darkfost observed that the average monthly XRP inflows to the platform now stand at around 3.6 million XRP.
This number might seem large, but it’s the lowest monthly inflow figure on record. Combined with the heightened withdrawals, the onchain metrics pointed toward holders unwilling to sell XRP in large numbers.
Seller exhaustion and consolidation phase ahead The analyst concluded that the low inflows represented seller exhaustion. It could help XRP build a base above $1 and consolidate. It remains to be seen if strong demand will arrive soon to drive price trends higher.
Source: CryptoQuant The estimated leverage ratio [ELR] tracks the ratio of Open Interest to exchange reserves of the asset. The exchange reserves were at the lowest since February, and OI has been declining since May.
The falling ELR underlined deleveraging in the market. A reduced systematic risk from leverage can give XRP more room to consolidate and offer a more stable derivatives market, less prone to liquidity hunts and price volatility.
These conditions could lead to a prolonged consolidation phase that long-term investors could investigate as a buying opportunity.
Final Summary The XRP news was positive, with increased withdrawals, falling exchange inflows, and an uptick in spot ETF inflows compared to earlier this week. The price was holding above the psychological $1 support level, and falling ELR made the argument that the consolidation phase would continue.
$XRP holders are moving their tokens off centralized exchanges at the fastest clip in more than five years, with on-chain data pointing to a broad retreat from sell-side activity even as the price lingers just above the $1 mark.
Withdrawals Hit a Multi-Year Peak On July 31, the seven-day $XRP withdrawal transaction share on Binance surged to 55.6%, the highest level since February 2021, while the same metric across all centralized exchanges reached 54%, according to CryptoQuant data. Deposit transaction shares fell to matching five-year lows of 44.3% on Binance and 45.95% across the broader market.
At the same time, exchange inflows fell to their lowest level ever recorded. Crypto analyst Darkfost observed that average monthly $XRP inflows to exchanges now stand at around 3.6 million XRP, the lowest monthly inflow figure on record. Combined with the surge in withdrawals, the on-chain metrics point toward holders unwilling to sell in large numbers, a condition Darkfost described as seller exhaustion.
Leverage and Reserves Also Pulling Back XRP futures open interest on Binance has fallen to roughly 397 million XRP, its lowest level in over three months, as the token trades around $1.09. A decline in open interest alongside price weakness often reflects deleveraging, as traders reduce or close existing positions.
Binance $XRP reserves have dropped roughly 650 million coins, or about 20%, since November 2024, falling from 2.8 billion in May to around 2.6 billion more recently. Such withdrawals can signal investors moving tokens into self-custody, though they do not automatically translate into upward price pressure without corresponding demand from fresh buyers.
The broader picture suggests a market in consolidation rather than active distribution. Holders appear reluctant to bring coins to market, leveraged bets are being unwound, and exchange supply is thinning. Whether that sets the stage for a recovery or simply reflects a lack of conviction on all sides remains an open question.
Sources:
XRP exchange withdrawals hit 5-year high: Here's what it means, CryptoNews.net
XRP exchange withdrawals hit multi-year high as selling pressure fades, AMBCrypto
XRP Open Interest on Binance Hits a Three-Month Low, Yahoo Finance
Ripple [XRP] is slightly down by around a percent but still accounts for a sizeable daily trading volume. The altcoin’s daily volume is about $1.06 billion, slightly lower than the high volumes experienced in a bullish market.
This significant volume results from high network activity growth. Despite that, the price of XRP is lagging, down about 41% year-to-date (YTD).
Network activity on XRP Ledger explodes On-chain data showed immense network growth across multiple divides.
For instance, the XRP Ledger has added 489,739 new accounts in the first half of 2026. As a result, they have hit a new peak level of 8.403 million in July, up from 7.913 million.
Additionally, exchange supply declined to a new 7-year low of 2.748 billion XRP tokens. This indicates accumulation is in progress as coins are moving to self-custody, reducing circulating supply.
Moreover, the cumulative spot ETF inflows hit $1.50 billion, accounting for about 1.48% of the market cap. The daily total net flow was $5.98 million, with a total traded value of $8.83 million.
Source: RippleXity On top of that, Ripple Mint went live for institutional RLUSD. In fact, RLUSD’s market cap was growing on both the XRP Ledger and the Ethereum [ETH] network.
Recently, Ripple minted 15 million RLUSD on Ethereum and then burned 10 million RLUSD in their treasury. The circulating supply of RLUSD on Ethereum has climbed above $712 million, behind the XRP Ledger with $873 million.
Can this help XRP price stay above $1? Meanwhile, the price of the altcoin is around $1.07, a few cents above $1.
Over the past three months, XRP price is down 21.8% and 36.6% in six months. It is still down by more than 66% since last July.
Source: CryptoRank This data confirms the trend is bearish, which risks the altcoin breaking below $1. XRP is only 6.67% away from trading below $1. However, it was trading above the SuperTrend, which was also above this key support level.
The RSI was at 43, below the neutral level, indicating there was mid-selling activity. However, the selling did not outweigh the buying activity as per the exchange supply balances.
Source: XRP/USDT on TradingView Technically, the altcoin is trapped between two dynamic levels at $1 and $1.16. The sideways market reinforces the decline in exchange balance.
Therefore, the growing network activity may help the price hold above the lower support level at $1. If the price breaks down, the bearish market that has persisted for most of 2026 will continue.
Final Summary XRP network activity explodes with 489.7K new accounts added, low exchange balance, and RLUSD market cap growth. XRP price was trading above $1, with mid-selling hinting at a test of the demand zone, but can bulls hold it?
Bitcoin struggled to gain momentum on Friday despite tis week’s robust spot ETF inflows.
Notable Statistics:
Coinglass data shows 94,015 traders were liquidated in the past 24 hours for $359.33 million. SoSoValue data shows net inflows of $233.1 million from spot Bitcoin ETFs on Thursday. Spot Ethereum ETFs saw net inflows of $13.3 million. In the past 24 hours, top gainers include MemeCore, Audiera and Pump.fun. Notable Developments:
Trader Notes:
CryptosBatman says Bitcoin’s broader market structure is weakening as it continues to form lower highs while holding a key trendline support. A confirmed breakdown below that support could trigger a move toward the $58,000 level.
Trader KillaXBT notes Bitcoin has fallen 2.8% since the FOMC meeting, in line with historical post-FOMC weakness.
Since six of the last seven FOMC events saw average declines of 4%–5%. The analyst expects a possible retest of the $60,000–$61,000 range, warning that a break below $60,000 could trigger a sweep of the recent lows.
Michael van de Poppe explained that Bitcoin often sees a pullback on the last trading day of the month, even when broader market strength remains intact.
He views the current retracement as a normal range-bound move, advising investors to accumulate during weakness, stay patient, and avoid overreacting to short-term volatility.
Image: Shutterstock
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Crypto Sensei stated that banks could adopt Ripple’s payment infrastructure within as little as three weeks if regulatory clarity is achieved, identifying the proposed CLARITY Act as a potential turning point for institutional XRP utilization.
Bank adoption scenarios and XRP inventory modelsRather than simply using XRP for transactions, banks might need to hold inventories of the token for settlement, collateral management, and liquidity operations. According to a Ripple representative quoted by Crypto Sensei, the onboarding and technical testing process generally spans two to three months, though the fastest implementation recorded was completed within three weeks. Larger or more complex integrations may still require up to three months.
The role of XRP as a bridge asset in cross-border settlement remains at the core of Ripple’s model. This structure could reduce the reliance on pre-funded nostro accounts and facilitate more efficient capital management for banks and payment service providers. Crypto Sensei argued that firms, market makers, and banks would likely need to maintain XRP buffers to handle intra-day liquidity and trading spreads, resulting in recurring demand for inventory if institutional usage grows.
He also emphasized that the real driver for sustained buying pressure would not be single transfers, but rather a shift in working capital from trapped fiat balances to XRP-based liquidity pools, enabled by just-in-time settlement. Additionally, new use cases such as XRP-backed lending, derivatives margin, and repo-style collateral could increase demand, as XRP used as collateral typically remains in custody for the duration of credit agreements and is not available for trading.
However, these scenarios are contingent on regulated financial institutions concluding that XRP aligns with their risk management, custody, and liquidity requirements.
Bitnomial expansion and potential ETF flowsCrypto Sensei pointed to Bitnomial’s decision to expand its accepted margin collateral to include XRP and RLUSD as a sign that XRP may be gaining traction in the U.S. institutional landscape. Ripple has invested in Bitnomial, which has been described in media coverage as a government-supervised crypto trading platform.
These developments are interpreted as early steps toward greater integration of XRP within compliant U.S. market infrastructure, although concrete institutional holdings have yet to be confirmed at scale.
Discussing exchange-traded products, Crypto Sensei referenced an estimated 978 million XRP currently locked in U.S. spot ETFs. He floated projections that passage of the CLARITY Act could bring $4 billion to $8 billion in additional demand from ETF inflows, though these numbers were characterized as illustrative and not independently verified.
Potential price targets cited by Crypto Sensei ranged from $20 to $75 if XRP is used for cross-border liquidity, $75 to $300 for an expanded bridge asset function, and $300 to $1,000 if significant collateral demand emerges. He also mentioned the possibility of even higher ranges should XRP play a foundational role in settlement infrastructure and treasury reserves.
Regulatory clarity remains pivotalThe underlying question is whether regulatory clarity, such as that proposed by the CLARITY Act, will expedite bank adoption of XRP as a reserve asset, as opposed to mere spot liquidity access. While simplified procurement processes could support faster integration, obtaining collateral eligibility, substantial ETF inflows, or large-scale inventory demand will ultimately depend on U.S. financial institutions’ policies and risk assessments.
Banks may not simply transact through XRP, but could be required to hold inventories of the token for settlement, collateral, and liquidity operations if regulatory comfort is achieved and projects such as the CLARITY Act move forward.
Amid these shifts, technology platforms like CryptoAppsy seek to support investors by consolidating crypto investments, real-time market data, and portfolio management tools on a single screen. Features such as smart price alerts, customizable news filters, and real-time monitoring of macroeconomic data, including Fed interest rates, aim to help users stay informed and responsive to market opportunities as the regulatory landscape evolves.
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.
XRP is positioned at the center of a much larger shift in how money moves globally, according to analyst Versan Aljarrah, who argues that shift, not the CLARITY Act, is what will eventually restructure the token’s price.
A Migration Already Underway
Aljarrah frames XRP’s opportunity around the early stages of a broader move toward regulated, programmable stablecoins. “That’s again where XRP sits at that exact point where the migration is beginning,” he said. As AI agents increasingly route payments through the most efficient rail available, without regard for market narratives or investor sentiment, he expects settlement demand to shift away from older, fragmented financial infrastructure.
He was careful to frame what that shift does and doesn’t mean for XRP. “The more settlement that is going to happen through XRP, it’s not about replacing the dollar as a reserve, but it’s going to absorb a lot of that demand for settlement,” he said. That absorption, he argued, is what eventually results in a restructuring of the price further down the road.
Positioned Since 18 Cents
Aljarrah said his own portfolio reflects this thesis directly, describing himself as heavily allocated to XRP since entering at 18 cents. He acknowledged the market currently feels quiet, with little visible momentum in either direction.
“Yes, the market feels boring right now. It seems like there’s no sentiment anymore,” he said. “That’s when you should be paying attention really.”
Calling the CLARITY Act “Theater”
Asked directly about the CLARITY Act, Aljarrah didn’t soften his view. “The CLARITY Act is truly theater,” he said, pointing to a pattern he’s observed with major legislation in the past. According to Aljarrah, bills like this are often kept alive just long enough to pass symbolic milestones, generating retail excitement that larger players can then use as a liquidity exit.
Finance Is Moving Onchain With or Without Regulation
Regardless of how the legislative process plays out, Aljarrah argued the underlying shift toward onchain finance doesn’t require anyone’s permission to continue.
“For anyone who’s really paying attention to the evolution of money, it’s undeniable that finances are going onchain,” he said. He pointed to Ripple’s XRP, along with Stellar’s XLM and other networks, as builders actively laying down compliance and infrastructure ahead of regulatory clarity, not in response to it. “They’re not really waiting for permission,” he said. “In many ways, they’re the ones writing the rules for the new financial system.”
Story Ends Here
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Ripple (XRP) retains a bearish near-term tone on Friday, falling toward the psychological support at $1.00. This follows renewed inflation concerns in the United States (US) after the Federal Reserve (Fed) left interest rates unchanged, as two members of the committee dissented in favor of a 25 basis point hike.
“Three policymakers, Hammack, Kashkari and Logan, voted for an immediate 25bp hike, reinforcing concerns that inflation remains restrictive enough to keep the Committee biased toward tighter policy,” analysts at Crypto Finance highlighted.
XRP ETFs post inflows despite weak sentimentRisk appetite continues to wane this week, with the Fear & Greed Index slipping to 25, firmly in Fear territory, down from 28 just a day earlier. Sustained risk-off sentiment may keep XRP’s upside capped, further encouraging selling among investors.
Crypto Fear & Greed Index | Source: AlternativeXRP spot Exchange-Traded Funds (ETFs) inflows surged to nearly $6 million on Thursday, up from a mere $585,000 the day before. So far this week, cumulative inflows stand slightly above $7 million through Thursday. The surge underpins targeted risk-on sentiment for XRP investment products, despite the overall crypto market’s dull outlook due to geopolitical tensions and macroeconomic uncertainty.
XRP ETF flows | Source: SoSoValueMeanwhile, retail demand is holding steady, with perpetual futures Open Interest (OI) averaging 2.28 billion XRP on Friday, up only marginally from 2.27 billion the previous day. If sustained, this gradual increase from 2.10 billion XRP on July 13 would absorb selling pressure, creating a suitable environment for an upside move above the resistance at $1.10.
XRP Futures OI | Source: CoinGlassTechnical Analysis: XRP bears tighten gripXRP trades at $1.07, keeping a bearish near-term tone as price holds well below the 50-day, 100-day and 200-day Exponential Moving Averages (EMAs). The cluster formed by the 78.6% Fibonacci retracement around $1.12 and the 50-day EMA at $1.13 sits just overhead as the first cap, reinforcing the downside bias.
At the same time, the Relative Strength Index (RSI) around 44 leans soft without being oversold, while the Moving Average Convergence Divergence (MACD) histogram remains slightly negative, hinting that bearish momentum is present but not particularly aggressive.
XRP/USDT daily chartOn the topside, initial resistance lies at the 78.6% Fibonacci retracement roughly at $1.12, followed closely by the 50-day EMA at $1.13, with the 100-day EMA at $1.21 and the 61.8% Fibonacci retracement at $1.22 marking a broader supply band if buyers attempt a stronger rebound. Further up, additional barriers align at the 50% Fibonacci retracement near $1.28 and the 38.2% level at $1.34, ahead of the 200-day EMA around $1.41 and the 23.6% Fibonacci retracement at $1.42.
On the downside, the next notable support emerges at the prior swing low and 100% Fibonacci anchor around $1.01, where sellers could hesitate if the pair extends its slide.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
Ripple FAQs Ripple is a payments company that specializes in cross-border remittance. The company does this by leveraging blockchain technology. RippleNet is a network used for payments transfer created by Ripple Labs Inc. and is open to financial institutions worldwide. The company also leverages the XRP token.
XRP is the native token of the decentralized blockchain XRPLedger. The token is used by Ripple Labs to facilitate transactions on the XRPLedger, helping financial institutions transfer value in a borderless manner. XRP therefore facilitates trustless and instant payments on the XRPLedger chain, helping financial firms save on the cost of transacting worldwide.
XRPLedger is based on a distributed ledger technology and the blockchain using XRP to power transactions. The ledger is different from other blockchains as it has a built-in inflammatory protocol that helps fight spam and distributed denial-of-service (DDOS) attacks. The XRPL is maintained by a peer-to-peer network known as the global XRP Ledger community.
XRP uses the interledger standard. This is a blockchain protocol that aids payments across different networks. For instance, XRP’s blockchain can connect the ledgers of two or more banks. This effectively removes intermediaries and the need for centralization in the system. XRP acts as the native token of the XRPLedger blockchain engineered by Jed McCaleb, Arthur Britto and David Schwartz.
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With nearly 200,000 active users, the XRP Ledger is getting close to one of its highest activity milestones in months. According to the most recent on-chain data, the number of daily active users is close to 190,800, which would indicate a significant recovery in ecosystem participation.
Activity is back upThe current increase has grown steadily throughout the second half of July, in contrast to earlier brief spikes. After varying between 110,000 and 150,000 active users for the majority of the month, XRP Ledger activity increased dramatically in the last trading week, reaching its highest level in recent months.
Source: XRP LedgerThe round number itself is not the only significant aspect. Following the wider market correction earlier in the year, the XRP Ledger found it difficult to sustain even 100,000 daily active users. Reaching 200,000 indicates that network activity is starting to return to normal rather than just responding to sporadic spikes in speculative trading. Since it shows real engagement with the ecosystem rather than just price fluctuations, increasing user activity is typically seen as one of the healthier indicators for blockchain networks.
HOT Stories
Increased transaction counts, payment volume, and liquidity across decentralized applications built on the ledger are frequently accompanied by higher address activity. However, the market has not yet fully reflected these strengthening fundamentals. After yet another failed attempt to overcome resistance around $1.10, XRP is currently trading around $1.07.
Price recovery wasn't yet confirmedThe asset is still stuck below the 50-day and 100-day moving averages, which are still serving as dynamic barriers. XRP made a brief attempt earlier this month to break out of a symmetrical triangle, but the buying momentum was not sustained, and the price returned to consolidation. As a result, the overall technical picture is still conflicted. Although on-chain metrics are still improving, the price has not yet confirmed the recovery.
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The next significant obstacle before the long-term trend starts to shift in favor of buyers is the 200-day moving average, which is presently at $1.21. The ongoing struggle is also reflected in momentum indicators. The Relative Strength Index, which is slightly below the neutral threshold at 47, shows that bearish pressure has significantly decreased but has not completely vanished.
Compared to a few months ago, the XRP Ledger is now far closer to the user activity levels linked to better market conditions. The fundamental recovery would start to align with the technical picture if active users successfully pushed above the 200,000 threshold while the price eventually recovered its medium-term moving averages.
For the time being, XRP seems to be strengthening its underlying base. Even though the token itself is still looking for the catalyst to end its protracted consolidation, the network is getting close to one of its highest activity levels of the year.
XRP Ledger is approaching one of its most active periods of the year, as daily active user numbers climb close to 190,800. This increase represents a marked uptick in engagement for the decentralized public blockchain platform, which has historically facilitated the transfer of digital assets and supports the XRP cryptocurrency.
Network activity approaches major milestoneUser participation on XRP Ledger has been trending upward during the second half of July. After fluctuating between 110,000 and 150,000 daily active users for most of the month, activity accelerated rapidly in the last trading week.
The climb toward the 200,000 mark is notable because earlier this year, following a broader market correction, daily activity had struggled to remain above 100,000 users. Market observers view increasing user activity as a sign of genuine engagement, rather than reactionary moves driven by short-term price action.
Surpassing 200,000 daily active addresses would signal that network participation is regaining normalcy, highlighting a return of real momentum to the ecosystem instead of short-lived speculative upswings.
Active user growth has historically been associated with elevated transaction volumes and increased liquidity across decentralized applications built on the XRP Ledger.
PeriodDaily Active UsersEarlier this year (post-correction)Below 100,000Early July110,000–150,000Late JulyClose to 190,800Technical indicators remain mixedDespite this rise in network activity, XRP’s price has struggled to reflect the improving underlying fundamentals. After another unsuccessful attempt to break past resistance at $1.10, the cryptocurrency is trading around $1.07, remaining below its 50-day and 100-day moving averages. These levels continue to act as resistance, impeding a sustained move higher.
Earlier in the month, XRP briefly tried to escape from a symmetrical triangle pattern. However, the breakout attempt lost steam and the asset fell back into consolidation. As a result, analysts describe the current technical outlook as conflicting, given that on-chain metrics suggest improvement, but the price has yet to confirm this recovery.
The 200-day moving average, currently at $1.21, is seen as the next key hurdle to overcome before the longer-term trend could shift in favor of buyers. Momentum indicators also present a cautious picture: the Relative Strength Index (RSI) stands at 47, just below the neutral 50 level, indicating waning but not fully dissipated selling pressure.
If daily active users surpass 200,000 and the price recaptures its medium-term moving averages, technical and fundamental trends could become more closely aligned. Until then, the XRP Ledger continues to strengthen its base, establishing user participation levels reminiscent of previous periods of market optimism.
Positioned for ecosystem growthXRP Ledger, developed and maintained by a global group of developers and originally created by Ripple Labs, functions as a decentralized blockchain that enables fast and low-cost cross-border payments.
The current rise in user engagement may help set the stage for future price movements, even as the network awaits a decisive catalyst. For now, participants in $XRP are watching closely to see whether surging activity can eventually help end the prolonged consolidation phase.
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.
Vincent Van Code, a software engineer active in cryptocurrency discussions, has raised questions about the timing of Jay Clayton’s recent appointment as the ninth Director of National Intelligence. Van Code linked Clayton’s career moves to broader political and regulatory developments involving Ripple and its digital token, XRP.
Speculation over political timeline and XRP lawsuitReacting to investor hashr.group, Van Code suggested that former US President Donald Trump might have intentionally delayed significant developments related to XRP until a possible return to office. He said he wondered if Trump had essentially put XRP “on ice” for several years.
Van Code further characterized Jay Clayton, who served as Chairman of the Securities and Exchange Commission from 2017 to 2020, as someone whose decisions aligned closely with Trump’s interests. He asserted that Clayton would not have initiated the SEC’s lawsuit against Ripple without direct backing from Trump, but clarified that his comments represented speculative analysis rather than fact.
I can’t help but to think Trump put XRP on ice for years until his reelection. Jay is Trump’s boy, Jay wouldn’t have acted without him. The lawsuit certainly did that. Plans within plans. Just my fun thought experiment.
The SEC launched its suit against Ripple in December 2020, alleging that the company had conducted an unregistered securities offering through sales of XRP. This lawsuit continues to influence the digital asset industry’s regulatory landscape.
Ripple’s early government connections revisitedInvestor hashr.group joined the conversation by interpreting Clayton’s new government role as a potential reward stemming from the SEC’s eventual decision to drop its case against Ripple. Although no evidence was provided for this assertion, the viewpoint was shared as a personal observation on recent events.
Hashr.group also pointed to potential long-term planning behind XRP’s trajectory, referencing Greg Kidd’s recollection that Ripple secured a US Treasury meeting within its first month of operations. This was cited as an example of Ripple’s early and direct contact with federal agencies.
BankXRP, a researcher in blockchain developments, noted Clayton’s transition from leading the country’s top financial regulator to overseeing US intelligence operations after confirmation by the Senate in a 51-47 vote.
Mini dictionary: Jay Clayton, an American attorney, served as US SEC Chairman from 2017 to 2020 and was later confirmed by the Senate as the ninth Director of National Intelligence, a federal agency leader responsible for coordinating activities across the United States’ intelligence community.
Confirmation prompts new debate on Ripple and regulationClayton’s new leadership post has renewed discussion about the intersection of political developments and major regulatory actions in the digital assets sector. Community members and analysts have revisited his role in authorizing the SEC’s lawsuit against Ripple, which was filed near the end of his SEC tenure and remains one of the highest-profile legal challenges involving US crypto projects.
After leaving the SEC, Clayton briefly served as US Attorney for the Southern District of New York before taking on responsibilities as Director of National Intelligence. In his current role, Clayton oversees the work of 18 agencies within the intelligence community.
Many in the crypto industry are weighing whether Clayton’s government move signals ongoing political influence behind regulatory actions targeting digital assets, especially as they relate to XRP and Ripple’s early connections to federal authorities.
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.
SBI Holdings has reiterated its belief in Ripple’s investment despite the recent price slump in XRP even though it has dropped in value.SBI Holdings has confirmed that it remains invested in Ripple and now holds a stake valued at ¥6.6 trillion ($41.2 billion) despite the recent XRP price declines.
SBI Holdings Doubles Down On Massive $41.2 Billion Stake In Ripple The update was made during SBI’s first quarter earnings call when it was revealed that the “cryptocurrency business remains sluggish, as if waiting to determine whether the CLARITY Act will be enacted.” However, the firm said it stressed that the “Ripple shareholding alone is worth ¥6.6 trillion.” This is a good sign of the SBI Group’s trust in Ripple and XRP in the midst of the market slowdown.
The remarks are part of the U.S. Senate’s deliberation on the CLARITY Act. Recently, Senator Cynthia Lummis indicated that legislators remain hopeful that they will be able to cast their vote on the bill prior to the August recess.
“We have one more week here in Washington,” Lummis said. She said a continuing resolution, a nomination and a sanctions vote are vying for floor time.
She also said Senate Majority Leader John Thune “has kept a place for the Clarity Act on the agenda before the August recess” and added, “I believe he does intend to go through with it.” However, she noted the vote could take place “tomorrow, or Monday, or Tuesday.”
About SBI Group’s Earnings Results In addition, SBI recorded its most successful first quarter ever.
Revenue grew to ¥571.0 billion, and profit before tax rose to ¥225.8 billion. Net profit attributable to shareholders was ¥148.1 billion, which rose by 149.9% year over year. The group’s ROI on equity for the past year was 29%, well above the medium-term target of 15%.
SBI said its crypto asset business, which posted a ¥1.4 billion loss before tax, was weak, but the global crypto market maker B2C2 was profitable.
The company is also building its digital asset reputation. It recently introduced crypto lending and support services via its JPYSC stablecoin through SBI VC Trade and is looking to its planned acquisition of Bitbank to expand the number of cryptocurrency accounts to about 3 million, assets under custody, to ¥870 billion.
For seamless crypto trading in Japan, visit our page on 8 Best Crypto Exchanges and Platforms in Japan.
XRP recently fell to $1.08, marking its lowest price point in 19 months, as market volatility prompted divergent reactions from institutional and retail investors. Crypto market observer Anna noted a sharp contrast in behavior, with significant institutional inflows even as many individual traders exited their positions.
Institutional inflows surge amid XRP dropAnna highlighted that, during this period of price weakness, institutional investors allocated $132 million to XRP investment products. She emphasized that this figure represented the largest inflow among altcoins during the downturn, underlining increased interest from major players despite widespread retail selling.
She described this trend as evidence of “smart money” accumulating XRP while retail holders, influenced by uncertainty and fear, continued to sell in the $1.00 to $1.20 range. Anna noted that such contrasting patterns reinforce the division between long-term strategies employed by large investors and the often reactive approach of retail participants.
As XRP dropped to $1.08, institutions quietly poured $132 million into investment products, while many individual holders reduced exposure. The inflows signaled a clear difference in strategy, with major investors moving to expand their positions even during heightened market anxiety.
This disparity has attracted broader attention to institutional actions within the sector. Market watchers pointed out that during periods of high volatility, tracking institutional flows and keeping an eye on technical indicators can help gauge sentiment shifts. Investors increasingly seek platforms that can seamlessly connect traditional financial assets and the crypto landscape. 1stepSwap exemplifies this trend by enabling access to US stocks and commodities like gold and silver directly through user wallets, using blockchain technology. Its core feature scans real-time markets for the best available prices, allowing users to buy or sell leading global assets and diversify immediately, all without the need for intermediaries.
XRP bounces back as regulatory news emergesAfter hitting its multi-month low, XRP staged a partial recovery, reaching approximately $1.15. Anna indicated that this rebound may signal an ongoing attempt to reverse the downtrend. She cautioned, though, that it remains unclear whether these gains represent the onset of a broader rally.
Ongoing regulatory developments have also contributed to shifting sentiment. Anna pointed out that the progress surrounding the CLARITY Act, which aims to clarify the legal framework for digital assets, is creating a more predictable environment for both investors and projects in the industry.
Furthermore, expectations are building for market-changing decisions, such as the possible approval of a spot XRP exchange-traded fund. Many in the sector believe that such a move could boost institutional participation by offering regulated exposure to the asset.
Ripple CEO Brad Garlinghouse recently stated that the company is making significant headway in achieving key regulatory milestones, adding to optimism among some observers.
Combining Ripple’s regulatory push with institutional accumulation during the asset’s downturn gives a nuanced picture compared to negative retail sentiment of the past few weeks.
Long-term view remains in focusAnna stated that holders selling XRP near current levels could ultimately regret the decision if positive developments materialize in the coming months. She underscored that, in her view, short-term fear is dominating over longer-term fundamentals, as institutional investors continue to build positions in anticipation of future gains.
She raised the question of whether recent activity signifies a consolidation phase ahead of a larger market move. While acknowledging the uncertainty of this outlook, she asserted that the growing institutional exposure may provide an early indication of evolving market dynamics many have missed.
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.
XRP (CRYPTO: XRP) ETFs pulled in $5.98 million on Thursday, even as the chart keeps pointing lower, with $0.90 as the next target if $1.05 fails.
Sellers Are Drying Up But Price Isn’t RecoveringCryptoQuant analyst Darkfost noted that XRP inflows to Binance just hit an all-time low, with average monthly inflows now sitting at roughly 3.6 million XRP, the lowest level ever recorded.
Following a 72% correction from its $3.66 peak, the absence of selling pressure typically signals a floor is building.
“This exhaustion of selling pressure should help XRP build a solid floor above the $1 threshold,” Darkfost wrote, adding that a genuine rebound in demand still needs to follow for a sustainable bullish trend to form.
What The ETF Data Shows?Two issuers stepping up on the same day points to broadening institutional participation rather than a single player driving the flow.
Cumulative net inflows crossed $1.50 billion, a quiet milestone reflecting steady institutional accumulation even as XRP’s price struggles to find direction at the chart level.
Why The Chart Still Points To $0.90?XRP is down 1% on Friday, grinding along the lower boundary of a descending channel intact since May.
The pattern shows a relentless series of lower highs and lower lows with no base formation attempt.
The Parabolic SAR at $1.1650 sits well above current price, keeping the bearish signal firmly in place.
All four EMAs stack in full bearish order: 20-day at $1.0930, 50-day at $1.1267, 100-day at $1.2105, and 200-day at $1.4071. Every level above is resistance, none are support.
If $1.05 fails on a daily close, the descending channel projects toward $0.90 to $0.95 as the next landing zone.
Key levels for XRP: $1.0930 — 20-day EMA, first resistance to reclaim $1.1267 — 50-day EMA, next ceiling above $1.05 — channel floor, must hold $1.00 — psychological support below $0.90 to $0.95 — channel extension target if $1.05 breaks Image: Shutterstock
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Crypto analyst Apex Crypto Insights has put forward a new theory on the persistent lack of high-profile commentary about XRP, claiming the digital asset could play a larger part in major financial planning than widely assumed.
Researcher suggests deliberate silence on XRPIn a recent social media post, Apex Crypto Insights encouraged followers to watch a video detailing why powerful individuals and organizations rarely speak openly about XRP. The researcher described the silence not as a sign of negative sentiment, but as a calculated move linked to long-term strategies within the global financial sector.
Apex Crypto Insights maintained that major institutions have been working to resolve structural challenges in the international monetary system for years. According to the researcher, these efforts involve XRP and may be approaching a critical stage where premature publicity could disrupt the coordinated process.
Rather than viewing the lack of public endorsement as a setback, Apex Crypto Insights stated that the ongoing silence around XRP may signal the asset’s significance within evolving institutional plans.
The analyst emphasized that those involved are taking a cautious approach, preferring to complete the underlying transition before drawing broader public attention to XRP. Apex Crypto Insights argued that this strategy is intended to address lingering issues in global finance effectively and avoid destabilizing markets.
Links between XRP, global liquidity, and the Triffin dilemmaIn the video, Apex Crypto Insights identified the global liquidity crisis and the Triffin dilemma as two of the most pressing concerns faced by governments and central banks. The researcher claimed that finding solutions to these problems is essential for maintaining trust in the current financial order.
The Triffin dilemma refers to a conflict of interests that arises when a national currency, such as the US dollar, is used as a global reserve currency. This creates tensions between short-term domestic policy and the long-term needs of the international system.
Mini dictionary: Triffin dilemma, an economic theory describing the conflict that takes place when a national currency serves as both a domestic and international reserve currency, presenting challenges for balancing internal stability and global liquidity.
The researcher argued that financial leaders may be strategically limiting public discussion to ensure an orderly rollout of any transition involving XRP. Apex Crypto Insights also expressed concern that premature price surges could undermine planned reforms and create unnecessary volatility.
IssueRole of XRP (as speculated)Potential ImpactGlobal liquidity crisisXRP used to enable cross-border settlementsEnhances payment efficiencyTriffin dilemmaXRP supports international reserve diversificationStabilizes currency flowsThe video prompted notable reactions from the XRP community across social platforms. Many members voiced agreement with Apex Crypto Insights’ suggestion that silence from major figures indicates ongoing institutional strategies rather than disinterest.
Community members noted that it is unusual for influential individuals to avoid discussing $XRP, especially when other cryptocurrencies like Bitcoin and Ethereum are regularly featured in public statements.
One user, Blue Hawk Legend, remarked that significant updates regarding XRP will likely remain undisclosed until pivotal market developments have taken place. The commenter viewed this as supporting the view that major institutions are intentionally delaying information.
Another participant, Hito Rug Pull Survivor, offered an alternative view, suggesting financial leaders might refrain from speaking about XRP out of concern for accusations of benefiting from insider information during its early adoption phase. The commenter drew parallels to recent public scrutiny surrounding President Donald Trump’s known involvement with particular meme coins, emphasizing the close monitoring of conflicts of interest in the crypto industry.
While the theories remain speculative and are not substantiated by direct evidence, they reflect the active debate among stakeholders regarding XRP’s possible future role within the broader 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.
Dr. Kamilah Stevenson, a blockchain strategist known as The Wealth Doctor, has put forward a six-part upgrade package for the XRP Ledger aimed at making the public network more attractive to banks and corporations. These proposed changes focus on facilitating confidential transfers and improving compliance features, with the goal of addressing key concerns institutions face when considering public blockchains.
Confidential transfers and compliance focusDr. Stevenson emphasized that financial institutions and corporations have hesitated to use public blockchain networks for sensitive transactions, primarily because transaction data—including balances, counterparties, and timing—are visible to anyone with access to the network. She argues that this visibility compromises privacy and confidentiality, both of which are non-negotiable requirements for many enterprises operating under regulatory oversight.
The confidential transfers feature included in her proposal would conceal transaction amounts from public view while still allowing the ledger to validate the legitimacy of each transfer and ensure no improper creation of assets occurs. This privacy mechanism, according to Dr. Stevenson, is critical for enterprise adoption.
“When technology reaches ordinary people, it disappears,” Dr. Stevenson said, pointing out that consumers could use products built on the upgraded XRP Ledger without having to buy XRP or be aware that blockchain technology underpins the application.
Mini dictionary: XRP Ledger, also known as XRPL, is an open-source, decentralized blockchain widely used for fast, low-cost cross-border payments.
Additional upgrade featuresBeyond confidential transfers, the proposed upgrade package addresses several operational and technical needs. Batch transactions would permit multiple actions to be executed together, succeeding or failing as a single unit, enabling greater efficiency for corporate workflows. Permission delegation is envisioned to allow limited account authority, granting specific permissions to associates or automated processes without sharing full private key access.
The integration of Dynamic NFTs, which are tokens with properties that can be updated after issuance, could attract new enterprise and consumer applications. Additionally, node-performance improvements could yield up to 40% reductions in memory use, potentially lowering infrastructure costs for network participants.
FeaturePurposeIntended UsersConfidential transfersPrivacy for transaction detailsBanks, enterprisesBatch transactionsMultiple actions in one stepInstitutional usersPermission delegationControlled account accessCorporate accountsDynamic NFTsModifiable token featuresDevelopers, enterprisesNode-performance upgradesMemory efficiencyNetwork validatorsGovernance and upgrade processUnder the XRP Ledger’s governance model, any amendment or upgrade requires continuous support from at least 80% of validators over a two-week period. If validator backing falls below this threshold at any point, the activation timer resets. Dr. Stevenson described this conservative protocol as specifically designed to give stability and predictability to institutions evaluating long-term infrastructure investments.
Any proposed features must navigate the amendment process before becoming active on the XRP Ledger, and no set date or validator numbers for this upgrade package have been disclosed.
Since the features remain in the proposal stage, there are as yet no market price movements or adoption figures directly attributed to the potential upgrade. Implementation would ultimately rely on community support, validator consensus, and the resolution of any technical or compliance questions that arise during the approval process.
If these upgrades are adopted, the XRP Ledger could expand its appeal to regulated firms, but actual integration would depend on further alignment with compliance requirements and demonstrated enterprise demand.
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.
Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.
XRP ETF inflows surpass $1.5 billion as investors explore alternative digital asset strategies, including cloud mining and DeFi yield platforms.
Summary
Rising XRP ETF inflows are boosting interest in EX DeFi as investors explore cloud mining and yield opportunities. As XRP ETF inflows top $1.5 billion, EX DeFi highlights cloud mining as an alternative way to earn on XRP holdings. Institutional demand lifts XRP ETF inflows past $1.5 billion, while EX DeFi promotes long-term crypto yield solutions. The XRP-backed ETF has just surpassed a significant milestone in inflows, further boosting institutional investor confidence. Simultaneously, a growing number of investors are turning their attention to ex-DeFi, hoping to explore more long-term yield opportunities beyond simply waiting for XRP prices to rise.
The continued inflows into the XRP ETF further demonstrate the growing demand for XRP from institutional investors. While retail investors remain cautious due to market volatility and price uncertainty, institutional funds continue to allocate XRP through regulated financial products, keeping it one of the most watched mainstream digital assets in the market.
As the regulatory environment and funding conditions continue to improve, many investors are beginning to consider a practical question: are there more efficient and sustainable ways to participate in the long-term returns of XRP besides waiting for prices to rise?
The milestone of XRP ETF inflows surpassing $1.5 billion is significant. As of the closing on July 29, the XRP spot ETF market has reached a significant milestone. According to data released by the analytics platform uToday, driven by continuous net inflows, XRP-related exchange-traded funds (ETFs) have seen cumulative inflows exceeding $1.5 billion.
Meanwhile, the overall market liquidity has continued to improve. Although secondary market trading activity has slowed somewhat, and retail investor sentiment remains relatively cautious, institutional investor allocation demand has remained stable, resulting in net inflows on most trading days.
A new option for XRP investors: The yield growth path of EX DeFi In light of this trend, more and more XRP investors are turning their attention to EX DeFi, exploring more stable and sustainable yield models through cloud mining and yield aggregation mechanisms.
Compared to more volatile futures trading or ETF investment, EX DeFi offers a more intuitive and convenient way to participate in digital assets, helping users improve the efficiency of digital asset utilization while participating in the development of the XRP ecosystem. For users with a certain amount of capital, this model is expected to offer higher daily return potential.
About EX DeFi EX DeFi is headquartered in the UK and operates within European regulatory frameworks such as MiCA and MiFID II, continuously improving its transparency, operational standards, and user protection mechanisms.
The platform employs a multi-layered security architecture, including:
PwC’s annual financial and security compliance audit; Lloyd’s of London digital asset custody insurance; Cloudflare enterprise-grade network protection and McAfee® security system; Multi-layered encryption architecture, AI-powered intelligent risk control, and 2FA verification protection. Currently, EX DeFi supports multiple mainstream digital assets such as XRP, BTC, ETH, USDT, USDC, DOGE, LTC, and SOL, providing users with a more flexible and convenient digital asset service experience.
Start earning daily yields easily in just three steps:
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Visit the EX DeFi official website and register using an email address to receive a $17 trial bonus.
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Based on a person’s budget and needs, choose a cloud mining contract that suits their needs and start mining with one click.
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After the contract is activated, the system will automatically allocate computing power, and profits will be automatically settled 24 hours a day. Users can withdraw profits at any time or continue participating as needed, achieving long-term asset compounding.
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Summary The continued inflow of funds into the XRP ETF, coupled with the improving regulatory environment, further reflects XRP’s gradual integration into the mainstream financial system. EX DeFi provides XRP investors with more diversified participation methods, shifting from “simply relying on price fluctuations” to “price growth and yield generation in parallel.”
As a new market cycle develops, investors are no longer just focused on price increases and decreases, but are paying more attention to stable and sustainable asset management strategies. This trend also reflects the maturing development of digital asset investment.
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Disclosure: This content is provided by a third party. Neither crypto.news nor the author of this article endorses any product mentioned on this page. Users should conduct their own research before taking any action related to the company.
Crypto analyst EGRAG CRYPTO has identified two major price targets for XRP—$6.40 and $30—as the digital asset undergoes a critical macro retest. This latest technical analysis, which received additional attention after being shared by well-known commentator Digital Perspectives, focuses on potential bullish scenarios for Ripple’s native token following a key chart pattern breakout.
XRP’s Two TargetsEGRAG CRYPTO’s outlook hinges on a potential breakout from a symmetrical triangle pattern that has formed over several years on XRP’s long-term chart. According to the analysis, XRP’s price is now testing this breakout zone, with a crucial support area identified between $0.85 and $0.88. This level aligns with the triangle’s lower boundary, an important technical level called the White Bridge, the monthly 111 exponential moving average (EMA), and the anticipated breakout retest.
The analyst has marked $6.40 as the first major upside target if the breakout scenario holds, describing it as the initial measured-move level derived from the chart formation. The second target, $30, represents the full macro measured move, but this higher level only becomes relevant if XRP demonstrates strong price acceptance above its previous highs.
A brief price dip below the $0.85 to $0.88 zone does not immediately invalidate the bullish structure, though monthly closes under this range would significantly undermine the technical setup. Regaining momentum above $1.23 to $1.65 remains a further priority for bulls.
Support / Resistance LevelTechnical Significance$0.85 – $0.88Key support zone, triangle boundary, White Bridge, 111 EMA$1.23 – $1.65Momentum reclamation range$6.40First measured-move target after breakout$30Full macro target, contingent on price acceptance above previous highsIn the analysis, $6.40 is presented as the initial major target for $XRP, while the $30 level is viewed as the ultimate macro target, conditional on confirmation above prior market peaks.
Potential Impact of Regulatory ClarityDigital Perspectives, a social media commentator known for his crypto market insights, discussed the analysis and focused on what he sees as a limiting factor for XRP’s price: the absence of clear regulation. He argued that, historically, the market has repeatedly awaited legislative clarity which, if achieved, could unlock substantial capital inflows.
He highlighted the CLARITY Act, a US legislative proposal aimed at providing defined regulatory status to digital assets including XRP, as a potential catalyst. The bill is currently on hold in the Senate, drawing interest from market participants who believe its passage could create conditions for significant growth.
Digital Perspectives further noted the overall size of the digital asset market, now over $2 trillion, and posed the question of how XRP could perform if the total market value expands to $8–10 trillion in the coming years.
Mini dictionary: CLARITY Act — A legislative proposal in the United States intended to provide regulatory clarity for digital assets, aiming to establish clear guidelines around the classification and treatment of cryptocurrencies like XRP.
Legislative clarity is seen by both analysts as the primary driver that could attract trillions of dollars into the crypto space, particularly if the CLARITY Act progresses.
The Larger SetupEGRAG CRYPTO’s call for a macro retest reflects a long-term technical perspective built on historical chart formations and major support confluences. The existence of the symmetrical triangle and the clear two-tiered targets provide a framework for bullish price movement, should the necessary confirmations occur.
The accompanying commentary from Digital Perspectives emphasizes that these technical setups may remain unrealized unless regulatory conditions shift and investor confidence is restored by legislative changes. Both analysts position the current moment as a pivotal stage for XRP, with its next phase likely dependent on both technical confirmation and external regulatory developments.
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 crypto market extended its decline on Friday as a global risk-off move swept across financial markets, dragging down Bitcoin, Ethereum, XRP and most major altcoins.
The total cryptocurrency market capitalization fell 2.4% over the past 24 hours to around $2.16 trillion, while liquidations topped $335 million.
Bitcoin And Altcoins FallBitcoin (BTC) slipped below $63,000, trading near $62,600 after falling more than 3% in the past 24 hours. Ethereum (ETH) dropped to around $1,856, while XRP traded near $1.06, extending losses alongside the broader market.
Other large-cap cryptocurrencies also moved lower. Solana (SOL) fell to about $72.90, Dogecoin (DOGE) slipped below $0.07, and Hyperliquid (HYPE) declined to around $54.40. Even traditionally resilient assets like BNB and TRON posted losses.
Global Markets Trigger Risk-Off SentimentThe sell-off was driven primarily by macroeconomic developments rather than crypto-specific news. According to market reports, the Federal Reserve and the Bank of Japan both left interest rates unchanged this week. The decisions reinforced expectations that interest rates could stay elevated for longer, reducing appetite for risk assets such as cryptocurrencies.
Market sentiment worsened after reports suggested US authorities could intervene in currency markets to support the Japanese yen. Following the reports, the S&P 500 reversed sharply, erasing nearly $1 trillion in market value within about 40 minutes as investors rushed to unwind positions linked to the yen carry trade.
The same risk-off mood quickly spread into cryptocurrencies.
Yen Carry Trade Adds PressureThe strengthening yen has renewed concerns about the unwinding of the yen carry trade, a strategy where investors borrow cheaply in Japan to invest in higher-return assets elsewhere. As the yen rises, many of those leveraged positions become less attractive, forcing investors to reduce exposure across equities and digital assets simultaneously.
That has increased selling pressure on Bitcoin and the broader crypto market.
Altcoins Face Profit-TakingBeyond macro concerns, several altcoins also came under pressure after strong recent rallies.
Traders booked profits across higher-risk tokens following weeks of gains, while sentiment was further weakened by reports of a $40 million Bitcoin theft involving Coldcard wallets, adding another layer of caution across the market.
What Investors Are Watching NextMarkets are now turning their attention to upcoming US economic data, particularly the Non-Farm Payrolls report due next week.
A stronger-than-expected jobs report could reinforce expectations that the Federal Reserve will keep interest rates higher for longer, potentially extending pressure on cryptocurrencies.
For now, Bitcoin remains the key asset to watch. If it stabilizes, broader crypto sentiment could improve. However, continued macro uncertainty is likely to keep volatility elevated across Bitcoin, Ethereum, XRP and the wider digital asset market.
Story Ends Here
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This Friday, we examine Ethereum, Ripple, Cardano, Binance Coin, and Hyperliquid in greater detail.
Ethereum (ETH) Ethereum’s price remained flat compared to last week because sellers stopped the rally at the $2,000 resistance and pushed it into a pullback. At the time of this post, ETH was found around $1,890, and it may retest the support at $1,800 next.
Despite the recent gains from $1,500, this cryptocurrency remains in a macro downtrend with clear lower lows and lower highs. If buyers want to put a stop to this, they need to turn $2,000 into support.
Looking ahead, Ethereum may be consolidating between $2,000 and $1,800 until a clear breakout takes place. Bulls will also have to do their best to stop any price below $1,800 to avoid new lows.
Ripple (XRP) XRP fell by 3% this week and is back just above the $1 support level. This price action has also formed a pennant. That could highlight a continuation of the prevailing trend once the asset escapes it. In this case, that’s bearish.
The volume also continues to fall and is making clear lower lows. That’s not encouraging if buyers hope to reverse the ongoing downtrend. A break below $1 would settle the matter and see XRP make new lows, with $0.80 as a key target.
Looking ahead, best to wait for the pennant to break and then reassess. Until that happens, the price will compress at the apex of this formation before it escapes.
Cardano (ADA) ADA managed to close this week in the green, albeit with only a 2% gain. Still, the support at $0.15 has been reconfirmed, and this cryptocurrency has a good shot at moving towards $0.20. Eventually, the resistance at $0.23 must be reclaimed to turn bullish.
Because the most recent push higher has been on low volume, this shows buyers remain weary and will need to see more gains before they gather sufficient confidence to step up their presence on the orderbook.
Looking ahead, Cardano may be about to exit a very difficult period between 2025 and 2026 when the price went from $1.2 to $0.14. To do that, ADA will have to hold above $0.15 and aim for $0.23 next.
Binance Coin (BNB) Binance Coin is up 4% this week after buyers managed to take it above the support at $580. As long as this key level holds, bulls have the upper hand, and they may be aiming for $690 next, which is the key resistance.
At the time of this post, the ongoing uptrend is still early, and sellers could at any time reverse it. Therefore, best to wait for a confirmation of this breakout to avoid a bull trap scenario.
Looking ahead, BNB could continue to consolidate between $580 and $690. If so, the drop under $580 could be interpreted as a short-term deviation in the price action.
Hyperliquid (HYPE) Similar to last week, HYPE disappointed again with a price that closed in red and lost 7% of its valuation. More concerning, however, is the fact that this cryptocurrency appears to have lost its uptrend.
The support at $60 has now turned into a resistance and HYPE is well on its way to test the next support at $52. If both these levels are lost in quick succession that’s an extremely bearish signal that hints at a major correction.
Looking ahead, it is becoming clearer that Hyperliquid’s best days may be behind it after the price topped around $76. Since then, it’s been down only. Should $52 not stop sellers, then the next key support will be found at $45.
Not financial or tax advice. PANews content is strictly educational and informational and is not investment advice, financial advice, tax advice, legal advice, or a solicitation to buy or sell any digital asset, security, or financial product. Do your own research and consult qualified advisers.
Disclosure. PANews may publish sponsored content, partner content, advertisements, affiliate links, event promotions, and market commentary involving Web3 projects, service providers, or financial products. PANews personnel, contributors, or affiliates may hold digital assets or other interests related to covered topics. See our Terms of Service.
Not financial or tax advice. PANews content is strictly educational and informational and is not investment advice, financial advice, tax advice, legal advice, or a solicitation to buy or sell any digital asset, security, or financial product. Do your own research and consult qualified advisers.
Disclosure. PANews may publish sponsored content, partner content, advertisements, affiliate links, event promotions, and market commentary involving Web3 projects, service providers, or financial products. PANews personnel, contributors, or affiliates may hold digital assets or other interests related to covered topics. See our Terms of Service.
Large Binance transfers often provide an early indication of whether whales are preparing to accumulate or distribute XRP. Recent activity, however, might be suggestive that neither flow is dominating the market.
Transaction counts have fallen sharply across every major value band. The 100K to 1 million XRP and over 1 million XRP cohorts stood out in both inflows and outflows.
As large inflows weakened, immediate pressure on prices reduced since fewer whales were moving XRP onto Binance.
Source: CryptoQuant However, declining outflows also showed those same investors may not be withdrawing tokens into private wallets, weakening the case for renewed accumulation.
Together, these trends pointed to a market where major holders may be preserving liquidity, rather than taking directional positions.
Source: CryptoQuant That hesitation limits the number of large volume transactions that generally drive sustained breakouts or deeper corrections. Now, retail transfer activity between 1K and 10K XRP has continued to dominate activity. However, it has rarely provided enough capital to replace whale participation.
Until institutional and whale flows recover, the altcoin is likely to remain range-bound, with weaker liquidity limiting both upside momentum and downside conviction.
Seller exhaustion strengthens XRP’s consolidation The slowdown in whale transfers also semed to align with a broader decline in Binance exchange inflows, reinforcing the view that large holders might no longer be rushing to sell XRP.
Following months of heavy distribution, average monthly inflows dropped to roughly 3.6 million XRP, the lowest level on record. This shift may be evidence that there was less intense pressure to sell, as opposed to a hike in selling pressure.
It could also support XRP’s ability to begin consolidating above $1 after declining by over 72% since reaching the $3.66-peak.
Source: CryptoQuant Nevertheless, lower inflow rates alone cannot sustainably result in a price hike for XRP. This, due to the fact that less aggressive selling does not always translate into greater demand.
Instead, the market might just be transitioning from distribution into balance, where buyers absorb available supply. A stronger bullish trend will ultimately require fresh whale and institutional participation to replace exhausted sellers with new demand.
Can XRP convert weaker selling into a breakout? Notably, that seller exhaustion is now reflected in XRP’s recent price action. After sweeping liquidity near $1.16, the altcoin fell sharply before finding strong support around $1.04.
Buyers then defended the zone, allowing price to form a higher low above $1.05 before recovering towards $1.07. This rebound seemed to support the previous decline in Binance inflows.
Source: XRP/USD on TradingView However, $1.12 remains the key challenge. Reclaiming that level would strengthen the recovery towards $1.16, while another rejection could signal renewed distribution and increase the likelihood of revisiting the $1.0440-support zone.
Final Summary XRP remains range-bound as whale activity and Binance inflows weakened across the board. XRP must reclaim $1.12 with stronger whale demand to sustain a recovery towards $1.16.
Bitcoin (BTC), Ethereum (ETH), and Ripple (XRP) trade near key technical levels on Friday as the broader cryptocurrency market pauses following last week's recovery. BTC is approaching the 50-day Exponential Moving Average (EMA) while ETH continues to consolidate between two major EMAs. Meanwhile, XRP holds above key support, the technical indicators of these three cryptocurrencies suggest that the next major move could be driven by a breakout or breakdown from current levels.
Bitcoin nears the 50-day EMABitcoin price trades at $64,282, keeping a bearish near-term tone as it holds below the 50-day, 100-day and 200-day Exponential Moving Averages (EMAs), which all sit overhead as a layered cap. The Relative Strength Index (RSI) hovers around the neutral 50 line. At the same time, the Moving Average Convergence Divergence (MACD) remains in negative territory, suggesting weak momentum that so far fails to challenge the dominant overhead EMA structure.
On the topside, initial resistance is seen at the 50-day EMA near $64,916, followed by the 100-day EMA around $67,476 and the 200-day EMA near $73,267 before the major horizontal barrier at $84,410.
On the downside, immediate support emerges at the horizontal level around $64,004, where a sustained break lower would expose further weakness beyond the current charted levels.
Ethereum trades sideways between the 50-day and 100-day EMAsEthereum price trades at $1,903 on Friday, consolidating in a neutral stance between its short- and medium-term trend markers. ETH holds above the 50-day exponential moving average (EMA) at $1,850, suggesting nearby dip-buying interest, but remains capped beneath the 100-day EMA at $1,933, keeping the broader recovery in check.
The RSI hovers around 56, hinting at mild bullish momentum, while the MACD sits below the zero line, suggesting lingering downside risk despite the ongoing stabilization.
On the topside, initial resistance is seen at the 100-day EMA near $1,933, followed by the psychological barrier at $2,000, while the 200-day EMA higher at $2,159 forms a more strategic hurdle if bulls regain control.
On the downside, immediate support emerges at the 50-day EMA around $1,850, with a deeper safety net only near the horizontal support zone at $1,385, where a break would significantly deteriorate the medium-term structure.
XRP steadies above key $1 support zoneXRP price trades at $1.079 on Friday. XRP remains under pressure as it holds below the 50-day EMA at $1.127, the 100-day EMA at $1.211, and the 200-day EMA at $1.405, keeping the broader bias bearish despite recent stabilization. The RSI at 44 signals only modest downside momentum, while the MACD line is marginally below zero and flattening, hinting at a weak but persistent bearish tone rather than an outright breakdown.
On the topside, initial resistance emerges at the 50-day EMA near $1.127, followed by the 100-day EMA around $1.211. Beyond that, a horizontal barrier sits near $1.300, before the 200-day EMA at roughly $1.405 and the more distant resistance zone at $1.900.
On the downside, the nearest notable support is the horizontal level at $1.000, where buyers previously defended the market, with a daily close below this floor likely opening the door to a deeper corrective phase.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
Cryptocurrency metrics FAQs The developer or creator of each cryptocurrency decides on the total number of tokens that can be minted or issued. Only a certain number of these assets can be minted by mining, staking or other mechanisms. This is defined by the algorithm of the underlying blockchain technology. On the other hand, circulating supply can also be decreased via actions such as burning tokens, or mistakenly sending assets to addresses of other incompatible blockchains.
Market capitalization is the result of multiplying the circulating supply of a certain asset by the asset’s current market value.
Trading volume refers to the total number of tokens for a specific asset that has been transacted or exchanged between buyers and sellers within set trading hours, for example, 24 hours. It is used to gauge market sentiment, this metric combines all volumes on centralized exchanges and decentralized exchanges. Increasing trading volume often denotes the demand for a certain asset as more people are buying and selling the cryptocurrency.
Funding rates are a concept designed to encourage traders to take positions and ensure perpetual contract prices match spot markets. It defines a mechanism by exchanges to ensure that future prices and index prices periodic payments regularly converge. When the funding rate is positive, the price of the perpetual contract is higher than the mark price. This means traders who are bullish and have opened long positions pay traders who are in short positions. On the other hand, a negative funding rate means perpetual prices are below the mark price, and hence traders with short positions pay traders who have opened long positions.
UNUS SED (LEO) has quietly secured its place among the world’s largest cryptocurrencies with a market capitalization of nearly $9 billion. This makes it the 11th-largest crypto asset. Yet, unlike Bitcoin, Ethereum, Solana, or XRP, LEO rarely trends on social media or dominates headlines. Its quiet presence comes down to its unique purpose. Specifically, it was built as a utility token for the iFinex ecosystem, not as a retail-focused investment asset.
Created to Solve an $850 Million CrisisLEO was launched in 2019 after iFinex, the parent company of Bitfinex and closely associated with Tether, lost access to approximately $850 million. This sum had been held by payment processor Crypto Capital.
Instead of launching a public ICO, iFinex privately sold 1 billion LEO tokens. In the process, they raised around $1 billion to strengthen its balance sheet. Since the token never went through a public fundraising campaign, it also never built the retail community that many major cryptocurrencies enjoy today.
Why It Receives So Little AttentionLEO operates very differently from traditional altcoins.
It functions primarily as an exchange utility token, with a large portion of its supply held by major holders rather than actively traded in the public market. As a result, LEO records relatively low trading activity compared to other top-ranked cryptocurrencies. This occurs despite LEO maintaining a multi-billion-dollar valuation.
Unlike meme coins or DeFi projects, LEO has almost no community-driven hype, NFT ecosystem, or speculative culture. This fact explains why it rarely becomes a trending topic.
Built for the Bitfinex EcosystemLEO is designed to provide benefits across the iFinex ecosystem, including Bitfinex.
Token holders receive:
Trading fee discountsLower lending costsReduced withdrawal feesPriority access to selected platform servicesOriginally, 64% of LEO’s supply was issued on Ethereum, while the remaining 36% launched on EOS. Following the EOS network rebrand, the EOS-based tokens migrated to the Vaulta blockchain in 2025.
A Deflationary Token With No Unlock ScheduleUnlike most cryptocurrencies, LEO has no token unlock events.
Instead of new supply entering the market, the circulating supply steadily decreases through Bitfinex’s aggressive buyback-and-burn program.
Under its whitepaper, iFinex allocates at least 27% of its consolidated gross revenue every month to repurchase LEO from the market before permanently burning those tokens. This process will continue until the token supply is eventually eliminated.
So far, roughly 79.9 million LEO have already been burned, leaving a circulating supply of about 920 million tokens.
LEO is currently trading around $9.77.
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Trust with CoinPedia:CoinPedia has been delivering accurate and timely cryptocurrency and blockchain updates since 2017. All content is created by our expert panel of analysts and journalists, following strict Editorial Guidelines based on E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness). Every article is fact-checked against reputable sources to ensure accuracy, transparency, and reliability. Our review policy guarantees unbiased evaluations when recommending exchanges, platforms, or tools. We strive to provide timely updates about everything crypto & blockchain, right from startups to industry majors.
Investment Disclaimer:All opinions and insights shared represent the author's own views on current market conditions. Please do your own research before making investment decisions. Neither the writer nor the publication assumes responsibility for your financial choices.
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As the asset battles beneath a dense cluster of technical resistance, XRP is once again putting investors' patience to the test. Earlier this week, sellers regained control after a brief attempt to break higher, pushing the token back below a crucial triangle breakout level and leaving bulls looking for new momentum.
XRP's dynamic resistanceAs of this writing, XRP is trading close to $1.08, which is below the 50-day and 100-day moving averages but slightly above local support. These indicators, which are currently converging around the $1.10 level, have consistently thwarted attempts at recovery throughout July and continue to function as dynamic resistance.
The most recent price movement demonstrates how limited XRP's trading range has become. Over the past few weeks, a symmetrical triangle had developed, indicating that volatility was contracting before a bigger move. However, XRP fell below the pattern's rising support rather than staging a sustained breakout, indicating that sellers are still prepared to defend higher prices.
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XRP/USDT Chart by TradingViewAdditionally, the general trend still favors caution. XRP is still trading below all of the major long-term resistance levels, as the 200-day moving average remains much higher at $1.21. The market will probably continue to see rallies as corrective rather than the start of a new bullish trend until those moving averages begin to flatten or turn upward. Currently, trading volume is not very encouraging.
Buyers have not yet committed enough capital to absorb the ongoing selling pressure around resistance, as evidenced by the relatively muted activity during recent rebound attempts. For XRP to break out of its current range, higher volume will probably be needed.
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The Relative Strength Index is currently at 46, just below the 50-point neutral threshold. This indicates that while bearish momentum has diminished significantly compared to June's decline, it has not vanished. The short-term outlook would be improved by a return above 50, especially if it were accompanied by a break above the moving-average cluster. The most significant resistance is still found between $1.09 and $1.10 for the time being.
In addition to putting XRP back above the 50-day and 100-day moving averages, a strong daily close above that range could pave the way for a challenge to the 200-day moving average around $1.21. Support around $1.05 remains crucial on the downside. If that level were lost, the psychologically significant $1.00 mark would probably come into focus.
Zcash's stabilization attemptAfter a two-week correction, Zcash is trying to stabilize, and the technical setup indicates that a recovery toward the $500 mark is still possible if buyers continue defending the current support. ZEC is displaying signs that selling pressure may be easing, despite the fact that momentum has decreased since July's peak.
After recovering from a significant moving average confluence, ZEC is currently trading at about $476. While the 100-day moving average continues to offer additional support in the $474 region, the asset momentarily fell below the 50-day moving average before swiftly reclaiming it. Despite the recent decline, the medium-term recovery structure remains intact if both indicators are maintained.
ZEC/USDT Chart by TradingViewRather than being violent, the correction itself has been orderly. ZEC formed a series of lower highs as traders locked in profits after the rally toward $570 earlier this month. The decline has, however, slowed significantly near the moving-average cluster, suggesting that buyers are becoming more active around current prices.
The 50-day moving average, which is located close to $495, is the next significant obstacle. The psychologically significant $500 mark would once again be within reach with a decisive close above that level. Beyond that, reclaiming $520 would indicate that the most recent correction has probably ended and return focus to July's highs.
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After declining from overbought territory earlier in the month, the Relative Strength Index has marginally recovered to about 46. The RSI has stopped making new lows, indicating that bearish momentum is progressively waning, even though it is still below the neutral 50 level. Volume has also decreased during the correction.
The most recent decline has not been accompanied by significant liquidation, in contrast to the dramatic sell-off that occurred in early June. This suggests that profit-taking rather than panic selling has been the primary driver of this move. Lower selling volume frequently creates favorable conditions for a relief rally if buyers re-enter the market.
ZEC must remain above the 100-day moving average for the bullish case to hold. The recovery outlook would be greatly weakened if that support were lost, exposing the 200-day moving average near $412.
Hyperliquid dropped by institutionals The month-long correction of Hyperliquid's native token, HYPE, has continued, raising concerns about whether the asset is merely experiencing a healthy retracement or losing the momentum that made it one of the best performers earlier this year.
The chart indicates that the answer is more nuanced than a straightforward decline in relevance, despite the recent price action being unsatisfactory. After dropping below a number of significant technical support levels, HYPE is currently trading close to $53.2. With the most recent leg lower pushing it below the 50-day and 100-day moving averages, the token has now lost about 25% of its value over the past month.
HYPE/USDT Chart by TradingViewThese indicators, which are currently at $57.2 and $60.3, respectively, have flipped from support to resistance, making any short-term recovery more challenging. Additionally, HYPE is currently trading just above its most important long-term support level due to the recent decline.
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A technical floor that buyers will probably fiercely defend is forming as the 200-day moving average rises toward the $50 mark. The current decline could be viewed as a correction within a larger uptrend rather than the start of a prolonged bear market if that area holds.
However, sellers continue to have significant momentum. Since the Relative Strength Index has dropped to about 33, HYPE is nearly in oversold territory. Oversold conditions alone rarely signal a bottom unless selling pressure begins to ease, even though that frequently raises the likelihood of a relief rally.
In addition, volume has declined significantly compared to May and June's explosive trading activity. Weaker buying interest is reflected in lower participation as investors hold off on entering the market until they have more solid confirmation.
Additional institutional transfers to exchanges earlier this week from significant holders such as Bitwise and Multicoin Capital raised concerns that large investors may continue reducing their exposure, resulting in a steady supply of overhead selling pressure. Despite the weakness, it would be premature to declare that Hyperliquid is no longer relevant.
Compared to the majority of DeFi assets, the token continues to attract substantial trading activity, and the protocol remains one of the largest decentralized perpetual trading platforms. Profit-taking and deteriorating market sentiment appear to be the main drivers of the correction rather than a collapse in the project's underlying fundamentals.
Institutional investors appear to be getting choosier, and Bitcoin and XRP seem to be reaping the benefits the most.
According to recent data on ETF flow, Bitcoin saw net inflows of $32 million, while XRP managed to see a further $585K worth of inflows. The two were the only crypto ETFs with positive flows for the day.
The renewed demand arrives as both assets continue trading near important technical levels, raising the question of whether institutional buying can extend the latest recovery.
Source: CoinGlass Big-money activity is picking up ETF flows are just one indicator that may be signaling growing institutional involvement.
AMBCrypto’s analysis on BTC’s on-chain whale activity data revealed that the number of trades over $100K in volume has been increasing substantially in recent trading periods, indicating growing activity from large traders.
That trend often carries more weight than retail-driven rallies because it reflects sustained capital deployment rather than short-term speculation.
Source: Santiment Surprisingly enough, the coefficient of correlation between Bitcoin and XRP is equal to 0.30.
Although there is no high correlation between the two digital currencies, it is evident that both of them react to the same market drivers. In particular, it seems that institutional investments are beneficial for both tokens.
Source: Coinhedge Can Bitcoin reclaim $65K? On the daily chart, Bitcoin’s price action is beginning to reflect the improving fundamentals.
Bitcoin has continued building some momentum toward the $65,000 resistance zone, an area that has repeatedly attracted selling pressure in previous sessions and initiated two rejections over the last month.
If ETF inflows remain positive while whale-sized transactions continue increasing, buyers may have a stronger foundation for another attempt at that level.
Source: TradingView Meanwhile, XRP could also benefit from improving institutional sentiment, particularly as investors continue looking beyond Bitcoin for regulated crypto exposure.
On its daily chart, XRP price action is now testing a key ascending trendline resistance at around $1.09.
Source: TradingView Can institutional demand spur bulls? Institutional demand alone does not guarantee higher prices. But with both token’s Stochastic RSI now bouncing off from an oversold region, their current bullish advancements could be prolonged.
For BTC, with ETF inflows recording significant gains, large on-chain transactions, and its technical structure still being optimistic, the anticipated breakout could be on the cards.
The coming sessions will reveal whether the latest wave of institutional buying is enough to push Bitcoin beyond $65,000 and help XRP extend its own recovery.
Final Summary Bitcoin and XRP were the only crypto ETFs to post positive inflows, attracting $32 million and $585,000, respectively. Large on-chain transactions above $100K have continued to rise, reinforcing the view that institutional investors are becoming more active.
The total number of wallet addresses on the XRP Ledger has surpassed 8 million, marking a new milestone for the blockchain network that supports the XRP cryptocurrency. Data released by BSCN, a crypto media platform, shows that XRP ownership is now more broadly spread across a growing user base.
Updated wallet distribution figures show that only 2,151 XRP are now needed for an address to rank among the top 10% of holders. Previously, approximately 4,000 XRP was required to enter this bracket, reflecting a significant decline and a shift toward wider participation in the network.
For those seeking to reach the highest echelons of holders, BSCN reported that around 44,000 XRP is now the minimum to qualify for the top 1% of wallet addresses in terms of holdings.
Ownership TierPrevious RequirementCurrent RequirementTop 10%~4,000 XRP2,151 XRPTop 1%Not specified44,000 XRPThe decrease in these requirements coincides with the steady rise in wallet addresses on the network, suggesting that tokens are now distributed across a larger and more diverse group of holders.
Latest wallet data indicates that holding just 2,151 XRP now secures a spot in the top 10% of all wallet addresses, down from the previous threshold of approximately 4,000 XRP, while the overall network surpasses 8 million wallets.
Debate over meaning of milestoneThe milestone has sparked discussion within the cryptocurrency community about the implications for adoption and concentration of XRP holdings. Some observers believe that the growing number of wallets suggests increasing adoption and decentralization, while others point to ongoing concentration among the largest holders.
Crypto_Beard, an active market participant, expressed skepticism about interpreting the milestone as a clear sign of mass adoption. He noted that with only 2,151 XRP required to enter the top 10%, a notable share of the supply may still be controlled by a small number of large accounts.
According to his assessment, experienced market participants closely monitor the concentration of holdings by so-called “whales” rather than focusing solely on the quantity of wallets in use.
Broader distribution and network resilienceOther community voices, like Sugee, highlighted the positive aspects of the milestone. He described the increasing wallet count as evidence of expanding adoption and a broader base of holders. Sugee argued that this development could result in greater liquidity and utility for the XRP Ledger, as well as improved resilience for the network.
He suggested that if the demand for XRP continues to rise while the tokens needed to reach top ownership tiers continue to decrease, the distribution of holdings could play an important role in the asset’s long-term dynamics.
The XRP Ledger is a decentralized, open-source blockchain developed in 2012 to enable fast, low-cost international payments and serves as the backbone for the XRP token. It operates independently of Ripple, the company that supports development and enterprise use cases for the protocol.
Mini dictionary: Whale — In cryptocurrency, a “whale” refers to an individual or organization that holds a large quantity of a particular token, which sometimes gives them significant influence over market movements.
Despite differing interpretations of what the latest data signal for the broader ecosystem, the XRP Ledger’s continued expansion in wallet addresses appears to be accompanied by a changing landscape in ownership distribution.
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.
HomeCryptoMARKETSScammers steal XRP worth $8.5 million in a fake investment scam.
Police in Seoul, South Korea, arrested a group for allegedly deceiving investors by promising fixed monthly returns in exchange for XRP holdings, a local media news outlet reported on July 30.
The suspects allegedly operated a fake investment site, Fxrpntwork.com, during Oct. 16-23, 2025, and deceived 71 investors by promising 1.5%-1.8% monthly returns on XRP investments. Seoul police accused the group of stealing approximately 3.4 million XRP coins worth 12.3 billion Korean won ($8.5 million).
The group impersonated Flare Network and FXRP, both legitimate crypto projects, to make their fake site appear genuine and promoted the fraudulent site through blogs and YouTube videos with phrases like “investment principal guaranteed” and “fixed returns” to lure victims, the police alleged.
Vulnerable investors transferred their XRP holdings stored in South Korean crypto exchanges to wallets controlled by the group via overseas exchanges, the police claimed.
But once these XRP holdings got transferred, the site shut down on Oct. 23, and the suspects disappeared.
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Popular on TheStreet Roundtable:Elon Musk warns America will 1,000% go bankrupt and fail as a countryRobinhood's latest earnings beat Wall Street estimatesAmericans reveal eye-popping sum they need to retire comfortably Police said it launched an investigation last October itself and immediately froze 17.3 billion won ($11.9 million) worth of virtual assets dispersed across overseas exchanges. But approximately 10 billion won remains unaccounted for because it was moved during the investigation.
Police said it traced wallets used in the crime and found that a total of 27.3 billion won ($18.8 million) had been transferred, which means the damage could exceed 12.3 billion worth ($8.5 million) of stolen XRP reported by the 71 scam victims.
“Do not be misled by unverified information on YouTube or other platforms. Verify official sources before investing,” Police warned. “We will respond strictly, with zero tolerance, to cyber fraud involving virtual currencies.”
XRP/USD, Source: Decibel
XRP was trading at $1.08 at the time of writing, as per Decibel.
XRP selling pressure is fading fast as Binance exchange inflows have dropped to an all-time low. This suggests that investors are choosing to hold rather than sell as XRP continues to hold above the crucial $1 mark after falling more than 72% from its peak.
CryptoQuant analysts Darkfost now believe this rare on-chain shift could decide whether XRP is preparing for its next major move.
XRP Holders Slow Down Binance DepositsCryptoQuant analyst Darkfost highlighted that XRP inflows to Binance have reached their lowest level on record. The platform is now receiving an average of just 3.6 million XRP per month, a sharp decline compared to previous market cycles.
The data comes as XRP continues to recover from its long correction. Since reaching a cycle high of $3.66, the token has fallen more than 72%, briefly slipping below $1 before reclaiming the level. It is now trading at around 70% below its all-time high while trying to build support above the psychological $1 mark.
According to Darkfost, this drop in exchange inflows points to one thing: sellers are running out.
Consolidation periods usually happen when buyers gradually absorb selling pressure. With fewer XRP tokens reaching exchanges, the market may be entering that phase.
On-Chain Data Shows Sellers Are Stepping BackThe Binance inflow chart reveals a major shift in whale behavior. At its peak, Binance received around 583 million XRP, worth roughly $1.36 billion, from large holders. That figure has now dropped to only 25.3 million XRP, or about $23 million.
The longer-term trend tells the same story. CryptoQuant’s 90-day moving average of exchange inflows has fallen from nearly $460 million in early 2025 to around $69 million, showing that selling activity has slowed consistently rather than temporarily.
CryptoQuant data also shows exchange outflows have reached record highs, meaning more investors are moving XRP into private wallets instead of leaving it on trading platforms.
Together, these signals suggest that many holders are preparing to keep their XRP rather than sell into the current market.
Can Lower Supply Push XRP Higher?While lower exchange inflows reduce selling pressure, analysts believe that alone will not trigger the next rally.
Darkfost noted that the market now needs fresh demand to match the shrinking supply. If buyers begin entering while exchange balances remain low, XRP could react quickly because fewer tokens are available for sale.
On the technical side, crypto analyst ChartNerd believes XRP is still trading under a weekly Supertrend bearish signal. He pointed out that the price has yet to reclaim the $1.50 resistance zone, which remains the key level needed to confirm a broader trend reversal.
📉 $XRP Weekly Supertrend 📉
For the time being, price remains inside a sustained bearish trend. What's more interesting, is that we have yet to witness a rally into the upper channel neckline that is weighing us down ($1.50). Unusual. The pressure is evident.
Waiting patient.. pic.twitter.com/pMFOtCB5NK
— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) July 30, 2026 Until then, XRP is likely to remain in a consolidation phase despite signs that sellers are losing control.
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Trust with CoinPedia:CoinPedia has been delivering accurate and timely cryptocurrency and blockchain updates since 2017. All content is created by our expert panel of analysts and journalists, following strict Editorial Guidelines based on E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness). Every article is fact-checked against reputable sources to ensure accuracy, transparency, and reliability. Our review policy guarantees unbiased evaluations when recommending exchanges, platforms, or tools. We strive to provide timely updates about everything crypto & blockchain, right from startups to industry majors.
Investment Disclaimer:All opinions and insights shared represent the author's own views on current market conditions. Please do your own research before making investment decisions. Neither the writer nor the publication assumes responsibility for your financial choices.
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Major cryptocurrencies remained largely stable as semiconductor stocks posted another volatile session, driven by fresh earnings reports from industry leaders. While Samsung Electronics delivered a dramatic surge in chip profits prompted by artificial intelligence demand, digital assets like Bitcoin and Ethereum avoided sharp swings and continued to trade within limited ranges.
Market divergence: Crypto stays calm as chip stocks swingBitcoin held close to $63,906.06 after slipping 0.67% in 24 hours, and Ether traded around $1,898.12, down 0.98%. XRP hovered at $1.07 after a 1.28% loss. Solana was nearly flat at $73.42, BNB inched up to $572.59, and TRON traded at $0.3264. Hyperliquid’s HYPE token dropped 3.02% to $53.69, while Dogecoin was modestly lower at $0.06985.
Daily trading volumes remained measured. Bitcoin’s market capitalization stood at $1.28 trillion, and its 24-hour volume reached $28.18 billion. Ether recorded roughly $10 billion in volume, showing that market participants kept risk appetite tempered despite turbulence in the equity sector.
The most recent price action highlights how crypto-specific factors—such as liquidity and internal sentiment—are steering digital assets independently of technology stocks, especially as chip shares endure wide daily fluctuations.
With thinning liquidity more likely than direct external pressures, recent trading suggests key cryptocurrencies are now insulated from the sharp volatility seen across global technology stocks.
Samsung and SK Hynix post strong chip results but investor reaction is mutedSamsung Electronics reported that operating profit in its semiconductor business soared by more than 250-fold, powered by continued growth in AI memory chip demand. The company delivered 89.2 trillion won ($62 billion) in operating income and generated record quarterly revenue of 171.5 trillion won ($119 billion), exceeding analyst forecasts.
Yet, Samsung shares climbed only about 2%, suggesting that investors already anticipated these strong numbers. SK Hynix delivered a 557% leap in operating profit, but its stock tumbled 17% after the report. Market participants appear focused on whether current AI spending can justify long-term growth, rather than reacting to individual earnings beats.
Samsung and SK Hynix together account for roughly two-thirds of global memory chip output. Both have announced large-scale investments to expand semiconductor manufacturing, aiming to capitalize on AI-driven infrastructure growth through 2030. Samsung, for example, has a $200 billion chip supply agreement with Broadcom, while SK Hynix signed long-term deals with ten major clients.
Altcoins and liquidity trends define weekly crypto performanceThough daily changes remain subdued, several leading cryptocurrencies weakened over the week. HYPE led with an 8% decline, while XRP lost 6%, Solana dropped 5%, Dogecoin fell 4%, and Bitcoin slipped 3%. BNB was the exception, maintaining a slight gain through the period.
This selective retreat in altcoins underlines the importance of liquidity conditions in the current market. CoinGlass data showed total crypto liquidations stood at $276.25 million, reflecting a 36.18% decrease. Meanwhile, open interest measured $112.16 billion, down by 0.6%, and the average Relative Strength Index was 43.41—pointing to a neutral setup. The Altcoin Season Index held at 62, reinforcing the view of a rangebound market.
Against the backdrop of shifting allocations and reduced appetite for rapid moves, platforms that help manage portfolio exposure have come into sharper focus. 1stepSwap offers seamless access to traditional and crypto assets by transferring real-world assets—such as major U.S. company shares, gold, and silver—onto the blockchain. This approach streamlines portfolio diversification, giving investors the ability to execute trades at optimal market rates within seconds, all from their digital wallets and without intricate procedures or middlemen.
Recent trading emphasizes the growing divergence between crypto and technology equities, with market mechanics and liquidity taking the lead role in steering digital asset values.
Broader sentiment and AI investment outlookGlobal investors continue watching whether increased AI investment will support current valuations in technology and related sectors. Long-term supply agreements—such as those signed by Samsung and SK Hynix—are granting businesses greater visibility, even as competition from Chinese chipmakers intensifies and capital requirements grow.
In the United States, the broader tech landscape sent mixed signals. Microsoft surged almost 9% in after-hours trading on rapid cloud growth, while Meta declined 8% amid softer revenue forecasts. South Korea’s Kospi index bounced between gains and losses, ending over 40% lower than its June high.
Nasdaq 100 futures rose 1% after the index moved into technical correction territory, highlighting ongoing volatility in global equities. In contrast, cryptocurrencies continued showing resilience to these wide swings, marking a notable shift from previous months when Bitcoin closely tracked chip stocks.
Overall, digital assets are showing signs of decoupling from traditional tech stocks, with liquidity and platform innovations—such as those provided by 1stepSwap—supporting portfolio stability as broader sentiment shifts. Investors are set to watch whether this theme of crypto insulation can persist as AI-driven narratives unfold.
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.
