XRP’s prolonged period of price stability is once again drawing attention within the crypto community, as some traders speculate that the token could be positioned for a significant move. Floppy, a well-known digital asset commentator, suggested that current market conditions may be setting the stage for renewed buying activity.
Technical analysis highlights possible breakoutIn a recent post on X, Floppy shared a chart showing XRP against the US dollar, with price action hovering near the $1.11 mark on the weekly timeframe. This chart revealed a persistent descending trendline, which has shaped XRP’s movement since its previous cycle highs.
Despite this downward pressure, XRP has held its ground in a tight trading range over recent weeks. Technical traders often watch these periods of consolidation closely, suggesting that prolonged sideways movement can sometimes precede a surge in volatility or a breakout from established trends.
Many market participants interpret these narrowing price bands as signals that either a rally or further decline could follow, though prior examples have seen XRP continue moving sideways even after anticipation for a breakout increased.
It feels like XRP could start pumping at any moment now, Floppy remarked, noting the possibility of a price shift as market momentum returns.
Floppy’s post generated a wave of responses, reflecting a wide divergence of opinion among XRP holders. While some traders are optimistic that the token is primed for a strong move upward, others remain cautious due to the asset’s history of extended consolidations.
Market Maker, another trader, suggested that XRP might decline to $1.05 before seeing any recovery. Meanwhile, James Bushman identified signals of potential further downside in the chart’s structure. Others, such as user Jawad Mahsud, speculated that XRP could reach as high as $1.30 before dropping toward $0.70, highlighting conflicting outlooks even among active watchers.
Veteran participants in the XRP community also noted that calls for significant price action often circulate whenever the asset experiences low volatility. Some questioned the reliability of persistent bullish predictions during these phases. TotalWorld, a frequent commenter, pointed out that predictions for a rally have been ongoing for several months without conclusive movement from XRP.
TraderShort-term targetLonger-term riskMarket Maker$1.05Further downsideJawad Mahsud$1.30 (potential rise)$0.70 (possible fall)Mini dictionary: Market Maker, a term referring to a trader or entity providing liquidity by quoting both buy and sell prices for a cryptocurrency, often facilitating smoother trading and less volatile price swings.
Company plans and broader market trends shape outlookWhile technical analysis dominates short-term speculation, the wider context for XRP continues to be shaped by ongoing developments involving Ripple and its enterprise blockchain solutions. Ripple is the company behind XRP and is known for its cross-border payment systems designed for banks and financial institutions.
Recent interest has centered around the adoption of RLUSD, Ripple’s dollar-backed stablecoin, as well as increased engagement from institutional players in blockchain-based payments. Some community members point to regulatory developments and upgrades on the XRP Ledger as indicators of improving fundamentals, supporting optimism for the token’s long-term outlook.
Despite these developments, XRP’s performance remains tied to broader crypto market conditions, including trends in leading cryptocurrencies like Bitcoin, shifting liquidity, and changes in investor sentiment.
The uncertainty around XRP’s next move is reflected in a split among traders: some expect a breakout, while others warn of prolonged consolidation and further price weakness.
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.
Every year, one crypto analyst revisits the same question with updated numbers: how much XRP would someone actually need to hit a specific retirement goal, and how does that number change as price targets shift?
Why the Targets Keep Changing
The exercise isn’t meant to predict exactly where XRP’s price will land. Instead, it uses Fibonacci retracement levels, drawn from the token’s broader price history, to generate a few different scenarios: conservative, moderately bullish, and highly bullish. This year’s three reference prices are $12.27, $48.58, and $589, each representing a different level of long-term price appreciation.
The analyst was clear that these are exercises in scale, not promises. Where XRP actually lands will depend on real-world factors like regulatory clarity, the pace of Ripple’s institutional adoption, and whether XRP sees genuine usage at scale, none of which are guaranteed on any particular timeline.
How Much XRP You’d Need, By Scenario
Using those three price points, the analyst calculated the XRP needed to reach three common retirement targets: $1 million, $3 million, and $10 million.
For a $1 million goal:
At $12.27 per XRP: 81,499 XRPAt $48.58 per XRP: 20,584 XRPAt $589 per XRP: 1,697 XRPFor a $3 million goal:
At $12.27 per XRP: 244,498 XRPAt $48.58 per XRP: 61,753 XRPAt $589 per XRP: 5,093 XRPFor a $10 million goal:
At $12.27 per XRP: 814,995 XRPAt $48.58 per XRP: 205,846 XRPAt $589 per XRP: 16,977 XRPA Real-World Test: Dollar-Cost Averaging Since 2017
To ground the numbers in something more concrete, the analyst ran a separate historical exercise, testing what would have happened if someone invested $200 in XRP every month starting in November 2017, using actual monthly closing prices through December 2020, a 38-month stretch spanning one of XRP’s most volatile periods.
That period included XRP’s late-2017 spike to nearly $2, a steep decline through most of 2018 and 2019, and the COVID-related crash in March 2020. Investing $200 a month in XRP between 2017 and 2020 totals 24,358 tokens today, according to the calculation, a stack worth roughly $24,000 to $27,000 at XRP’s current price near $1.10.
What’s Next?
The analyst framed the exercise as a planning tool rather than a forecast, emphasizing that nothing discussed constitutes financial advice. Whether XRP reaches any of these price points, and how quickly, remains genuinely uncertain, and depends heavily on developments like the CLARITY Act and broader crypto adoption trends playing out over the coming years rather than months.
Story Ends Here
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Ripple [XRP] has been consistently hinting at a repetition of the 2024-style rally. However, every time these signals appear, they tend not to materialize.
Being optimistic, the more these signals appear, the more they tend to create more belief among holders.
Is a 2024-style rally unfolding for XRP? Recently, XRP’s leverage flush echoed the 2024 setup as per an earlier analysis by AMBCrypto.
Now, the price action of the altcoin appears to be aligning with the leverage signal. Looking at the XRP price action in 2024, it started with a final bull trap, which also happened early this year. Then, a capitulation and accumulation window followed before an explosive rally.
However, XRP is currently in the same accumulation window, with bulls anticipating a breakout. If the pattern repeats, XRP could exceed $4 by year-end.
Source: XRP/USDT on TradingView On the 4-hour chart, the altcoin was trading in a sideways market between $1.0301 and $1.1556. This consolidation aligns with the accumulation window, which is underway.
However, the MA Cross is hinting at further decline as social sentiment weakens. Despite that, the RSI Divergence has printed bullish signals.
Source: XRP/USDT on TradingView The opposing signals delay the pattern playing out but also set the altcoin up for a bigger rally. Even the XRP ETF inflows have flipped to positive after five days of inactivity.
As per SoSoValue, XRP ETFs saw a net inflow of $592.47K. This was a bullish signal even though the capital was moderate. However, these signals were no guarantee for a rally.
Bulls and bears are still undecided What was the reason as to why the rally was not certain?
Bulls and bears were still undecided. For instance, there were many two-sided liquidations on both long and short positions, as per CryptoQuant. As a result, XRP prices remained flat.
Source: CryptoQuant Additionally, the 14-day price range alongside Open Interest (OI) was compressing. Moreover, Funding Rates were neutral, indicating no party was controlling the price direction.
Spot liquidity was thinning on the Binance exchange as inflows and outflows continued to reduce. The Estimated Leverage Ratio (ELR) is still around this year’s low at 0.15. This indicates low financial risk exposure, a sign that bulls and bears are cautious.
Source: CryptoQuant Therefore, XRP is printing a 2024-style rally, but bulls and bears are yet to decide who wins the battle. Hence, the potential rally remains in waiting until a breakout happens.
Final Summary XRP’s price action hints at a potential 2024-style rally, but the altcoin continues to create lower levels. Bulls and bears look undecided as Funding Rates were neutral while liquidations affected both shorts and longs.
Crypto analyst Gina expressed high conviction that XRP is forming a structure on its chart that could precede a significant price breakout, asserting that the cryptocurrency does not need a global banking adoption narrative to advance. Gina encouraged investors to monitor XRP’s technical patterns rather than waiting for major international payment integration, arguing that attention to direct chart signals could be more rewarding.
Technical patterns echo 2024 moveAccording to Gina, XRP’s current trajectory closely mirrors its movements just before the rally seen in 2024. She highlighted a sequence starting with a “Final Bull-Trap,” continuing into “Capitulation,” and progressing toward an extended “Accumulation Window”—a range-bound phase that has historically preceded a strong price recovery for the cryptocurrency.
In her most recent post on X, Gina directly addressed community members who are cautiously waiting for an external event, insisting those investors risk missing the ongoing setup visible in XRP’s price chart. She referenced participants from the previous cycle who delayed their entry and consequently missed potential gains.
The current price formation is almost identical to what occurred ahead of the 2024 breakout. Many who hesitated last time did not benefit from the rally. Attention to technical factors now could mean not missing the next significant move.
Gina’s accompanying chart drew parallels between the market phases experienced in 2024 and those emerging in 2026. Red annotations suggest a continued uptick is possible if XRP maintains this path, with interim corrections expected to mirror earlier cycles. While these projections remain strictly technical and do not guarantee outcomes, they have drawn considerable interest from traders seeking a repeat of previous rallies.
This emphasis on chart structure connects with the growing interest in platforms bridging traditional assets and the crypto market. For instance, 1stepSwap is designed to remove barriers between finance sectors by allowing users to move real-world assets—such as shares of leading U.S. companies, gold, and silver—directly onto the blockchain. With 1stepSwap, investors can access a diverse range of assets through their wallets, conduct trades within seconds, and consistently secure the most competitive prices across markets. This efficient portfolio diversification has become increasingly relevant as traders watch technical setups and market trends in real time.
Reactions from the XRP community reveal both optimism and skepticism toward Gina’s technical perspective. Marc, an enthusiastic supporter, stated that achieving a 650% gain for XRP in 2026 would be a satisfactory outcome and reflected confidence in the ongoing pattern’s potential to generate substantial returns.
Several community members highlighted that XRP’s price has remained capped near its historical high of $3.60 for over a decade, suggesting that breaking this level is a critical test for further progress.
Other voices injected caution, questioning whether previous surges owed more to political events than strict technical drivers. Tina Ryerson noted that broader political developments and sentiments expressed by Donald Trump during the 2024 rally may have influenced investor behavior and contributed to the pattern Gina described. Ryerson raised the possibility that new external events might ultimately shape future price movements, even as the technical structure garners attention.
Despite differing outlooks, Gina continued to emphasize that immediate technical cues—rather than expectations about global payment adoption—should guide investor focus. The prevailing message among chart-oriented analysts is that the evolving pattern itself could be the clearest signal of XRP’s next move.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple (XRP) continues to trade under increasing pressure on Tuesday. This marks the second consecutive day of declines, reflecting broader risk-off sentiment as investors appear to shift gears in anticipation of the Federal Reserve (Fed) interest rate decision.
Fed rate decision weighs on risk assetsOn Wednesday, the Federal Open Market Committee (FOMC) is widely expected to leave interest rates unchanged in the 3.50%-3.75% range. However, the market is pricing in a 36% chance of a rate hike, which could weigh on risk assets.
According to Loretta Mester, former Cleveland Fed President, central bank officials “are going to have to ask themselves whether policy is at the right level to get inflation moving back down to 2%. Chair Warsh has been pretty vocal on saying that they’re not going to tolerate inflation.”
FedWatch tool | Source: CME GroupXRP renews retail demand as exchange reserves shrinkDemand for XRP derivatives remains elevated, as futures Open Interest (OI) climbs to 2.25 billion XRP on Tuesday, from 2.22 billion the previous day. If the spike is not an outlier, sustained demand could offset the prevailing selling pressure and stabilize the token ahead of another breakout attempt.
XRP Futures OI | Source: CoinGlassMeanwhile, the balance of XRP reserves on the Binance exchange continues to decline, standing at 2.60 billion XRP as of Monday, down from 2.61 billion the day before. A wider scope highlights a sustained downtrend in supply on the platform, given the 2.71 billion XRP on June 1. Notably, declining reserves imply investors are moving coins off exchanges, resulting in less immediate sell-side pressure.
XRP Binance Exchange Reserves | Source: CryptoQuantTechnical outlook: XRP bears retain controlXRP trades around $1.05, maintaining a bearish near-term bias as price holds beneath the Bollinger Band middle layer at near $1.10 and well under the 50-day, 100-day and 200-day Exponential Moving Averages (EMAs) at $1.13, $1.22 and $1.42 respectively.
Momentum corroborates the heavy tone, with the Relative Strength Index (RSI) hovering around 39, below the midline on the daily chart, while the Moving Average Convergence Divergence (MACD) histogram has slipped slightly into negative territory, hinting that recent rebounds lack follow-through.
XRP/USDT daily chartOn the downside, immediate support is aligned with the lower Bollinger band near $1.05. A decisive break lower would expose further weakness beyond the band and reinforce the current downleg. On the topside, initial resistance lies at the Bollinger Band middle layer at $1.10, followed by the 50-day EMA near $1.13, while more substantial supply is anticipated higher up at the 100-day EMA around $1.22 and the 200-day EMA near $1.42, levels that would need to be reclaimed to challenge the prevailing bearish structure.
(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.
In 2023 a group of developers forked the XRP Ledger because its validators would not adopt smart contracts. Three years later the parent chain is shipping its own programmability layer, and the drafted specification names the fork’s technology as an inspiration. Here is what actually happened, what it means for XAH, and why three competing architectures now answer the same question.
Summary
Xahau launched in 2023 as a fork of the XRP Ledger’s rippled codebase, carrying the Hooks amendment that XRPL validators never adopted, with its own token, its own validator set, and a governance system run through a genesis account hook. The XRP Ledger is now building programmability natively: XLS-100d Smart Escrows, using WebAssembly, sits among known amendments with a devnet live, and XLS-101 Smart Contracts is a drafted specification that cites both Hooks and the Ethereum Virtual Machine as influences. Xahau rejects the sidechain framing entirely, positioning itself as an independent Layer 1 that diverged in its own direction, with features the parent lacks and vice versa, and describing the borrowing as mutual. Three architectures now answer the same question for one ecosystem: Hooks on Xahau, Solidity through the EVM sidechain whose first year this publication audited at $25,741 in total value locked, and WebAssembly natively on the main ledger. The open question is what a fork is worth once the chain it left ships the capability it forked for, and XAH is the asset where that question gets priced. Forks in crypto usually happen over money or ideology. This one happened over a feature. In 2023, after years in which the XRP Ledger’s validators declined to adopt Hooks, a lightweight smart-contract system that would let small pieces of code live on accounts and govern the transactions those accounts send and receive, the developers behind it stopped waiting. They took the ledger’s open-source rippled codebase, added Hooks, launched a network called Xahau with its own token and its own validators, and shipped the capability the parent chain would not. Ripple’s chief technology officer publicly supported the move at the time, saying he could not think of a better path forward for the technology. Three years later the parent chain is building programmability after all. XLS-100d, a WebAssembly-based Smart Escrows amendment, is among the known amendments with a devnet running, and XLS-101d, a drafted specification for general smart contracts, explicitly names both Hooks and the Ethereum Virtual Machine among its influences. This piece examines what that convergence actually means: for the ledger that spent years refusing, for the fork that stopped waiting, and for an ecosystem that now has three separate answers to the question of how a payments chain becomes programmable.
JUST IN: Ripple joins Squid’s $6m strategic round. Squid, powered by Axelar, routes liquidity across 100+ chains with $6B+ cross-chain volume and XRPL integration pic.twitter.com/95RBM2OkKY
— crypto.news (@cryptodotnews) May 24, 2026 Understanding the fork requires understanding what it kept, because Xahau is not a departure from the XRP Ledger’s design so much as an addition to it.
The network preserved the core: the consensus protocol, the native decentralized exchange, and the fee-and-reserve logic that protects the ledger against spam by charging and burning fees in the native token. What it added was Hooks, small pieces of code installed on an account that impose rules on transactions before those transactions execute, enabling functions such as time locks on transfers, social-recovery arrangements for accounts, and self-custodial direct debits. The design philosophy is deliberately narrow. Hooks were never intended to replicate a general-purpose virtual machine; they are lightweight logic reacting to ledger events, executing fast enough to preserve settlement speed and cheap enough to suit a payments chain.
Two further design choices distinguish it. Xahau substituted a simpler token standard for the parent’s NFT implementation, and it built a governance system in which the genesis account itself is controlled by a hook that regulates matters including the emission of new XAH, administered through a two-tiered arrangement with up to twenty independently owned validators as participants. Governance by smart contract, on a chain whose reason for existing is smart contracts, is at least internally consistent. XAH functions as the network’s fee and reserve asset, with a balance-rewards mechanism that has no equivalent on the parent chain.
The launch was contentious in the way ecosystem splits usually are, with parts of the XRP community expressing unease at the lack of official involvement, and with the fork’s supporters arguing that validators refusing an amendment for years had left no alternative. The relevant point for today is that Xahau shipped and kept shipping, accumulating a validator set, an exchange listing history, and a working developer story around a capability the main ledger did not have.
What the parent is shipping now The XRP Ledger’s current roadmap describes a different route to the same destination, and the specifications are public.
XLS-100d, Smart Escrows, brings WebAssembly-based conditional logic to escrow objects, allowing programmable conditions to govern the release of funds, and it appears among the ledger’s known amendments with a dedicated devnet for developers to test against.
That is a narrow, payments-native form of programmability: not a general computing environment, but escrows that can enforce arbitrary conditions written in a widely supported bytecode format. XLS-101d, Smart Contracts, is the broader specification, drafted in 2025, proposing general smart contract capability on the ledger and citing both Hooks and the EVM among the designs it draws from.
The choice of WebAssembly instead of a bespoke virtual machine is the interesting technical decision, because it imports an existing toolchain and developer base rather than asking builders to learn something proprietary. It is also, in its way, an admission: the ledger that resisted programmability for years is now adopting a mainstream execution standard, and doing so with public acknowledgment of the technology that forked away over exactly this question.
The timing places three approaches in the same ecosystem simultaneously. Hooks run on Xahau. Solidity runs on the XRPL EVM sidechain, whose first year this publication audited and found holding $25,741 in total value locked, a figure that remains the sharpest available evidence that architectural compatibility does not produce developer gravity by itself. And WebAssembly is arriving natively on the main ledger. Three answers, one ecosystem, and no consolidation in sight.
The fork refuses the frame The narrative that writes itself, that a parent chain has absorbed the innovation its fork proved out, is one Xahau explicitly rejects, and its objection deserves fair treatment because it complicates the story usefully.
The current positioning from the Xahau side is that it is not a sidechain and never was one in any meaningful operational sense: it is an independent Layer 1, built from a fork of the XRPL codebase, that has evolved in a completely different direction with its own validators, its own governance, and its own economics. On this account the two networks occasionally adopt ideas from one another and otherwise develop separately, with features existing on each that do not exist on the other. The sidechain confusion, the argument goes, comes from early marketing history and not from present reality.
That framing is defensible on the technical facts and self-interested at the same time, which is normal for any project describing itself. Independence is real: separate consensus, separate validator set, separate token with its own monetary policy. Mutual borrowing is also real, since specifications flow in both directions among developers who largely know each other. But the asymmetry is equally real and no framing dissolves it. When the parent ledger ships general programmability, a developer choosing where to build weighs Xahau’s head start and Hooks’ elegance against the main ledger’s liquidity, its institutional relationships, its exchange support, and the ecosystem’s marketing gravity. Forks that exist to supply a missing capability face their hardest test at exactly the moment the capability stops being missing, and no amount of correct positioning about independence changes the competitive arithmetic a builder actually runs.
The threshold that decides everything Everything in this piece depends on a governance mechanic that outsiders consistently underestimate, and the ledger’s own recent history supplies the cautionary case.
XRP Ledger amendments activate only when validators on the default list signal support at or above eighty percent, and that support must hold continuously for two weeks before the change takes effect. Fall below the line at any point in the window and the clock resets. There is no foundation that can force adoption, no core team veto, and no timetable: an amendment can sit in the known-amendments list indefinitely, gathering partial support, activating never. Hooks itself is the proof. The specification existed, the implementation worked, the technology was sound enough that the ledger’s own chief technology officer publicly endorsed the fork that shipped it, and the amendment still never reached the threshold on the main chain. Years of availability produced no activation, which is precisely why Xahau exists at all.
That history should discipline every forecast about XLS-100d and XLS-101d. A specification in the known-amendments list is a proposal that validators may or may not adopt, and a drafted specification like the general smart contracts proposal is a step earlier still. Both could activate this year; both could sit for three years; either outcome would be consistent with the ledger’s record. The ecosystem’s more recent experience cuts the same way in the opposite direction, since a maintenance amendment this summer sat near forty-eight percent support for a month before validators moved and carried it past the threshold at eighty-six percent, showing that stalled votes can turn quickly once the coalition assembles. Prediction is unwise in both directions.
The threshold also shapes the competitive dynamic between the two chains in a way neither side usually discusses. Xahau’s governance runs through a hook on its genesis account under a two-tier arrangement with up to twenty validators, which is a materially different mechanism from the parent’s eighty percent supermajority, and the fork’s ability to ship features it decides to ship is not a small advantage for a network whose entire premise is programmability. A chain that can adopt is structurally different from a chain that must persuade. Whether that speed advantage matters more than the parent’s liquidity is the actual competition, and it is a question about governance architecture more than about virtual machines.
For a reader tracking this, the practical instruction is simple: ignore roadmap announcements and watch the validator vote count, published continuously, on the specific amendments. Announcements are intentions. The count is the only thing that has ever decided what the XRP Ledger does.
What it means for XAH The honest assessment splits into a bear case and a bull case that are both stronger than the ecosystem’s usual discourse allows.
The bear case is straightforward. XAH’s investment thesis has substantially been that Xahau is where XRPL-ecosystem smart contracts live. If XLS-100d and XLS-101d ship and function, that thesis erodes toward a narrower claim: Xahau is where a particular style of lightweight account-attached logic lives, competing against native WebAssembly contracts on a chain with vastly more liquidity, more integrations, and more attention. Fee-burn value accrual on a chain whose activity moves elsewhere is the same problem this publication has documented across the value-accrual arc, arriving in a smaller ecosystem with less cushion.
The bull case rests on three points that deserve their weight. First, shipping schedules: XLS-101d is a draft, amendments require validator adoption at an eighty percent threshold sustained over two weeks, and the ledger’s own history, including the years Hooks spent unadopted, is the strongest available evidence that XRPL amendments can stall indefinitely. Xahau’s capability exists today; the parent’s is a specification and a devnet. Second, design divergence: Hooks and WebAssembly contracts are not substitutes for every purpose, and lightweight event-triggered logic on accounts has properties a general contract environment does not. Third, and most underrated, the governance experiment: a chain whose emission and genesis account are administered by a hook under a two-tier validator arrangement is running a live test of on-chain governance that the parent has not attempted, and if that works at scale it is an independent reason for the network to exist.
The verdict this piece can honestly offer is narrower than either case: the fork’s premise has changed, and the market has not repriced it because the parent’s capability is not live yet. When XLS-100d activates, the question stops being theoretical, and XAH becomes the cleanest available measure of what a fork is worth after the reason for forking has been addressed at home.
What to watch XLS-100d’s amendment vote. Smart Escrows crossing the eighty percent validator threshold and completing its two-week activation window is the event that converts this from a roadmap story into a live competitive fact. Watch the vote count, not the announcements.
XLS-101d’s progression. A drafted specification is a long way from an activated amendment. Whether the general smart-contract proposal moves toward candidate status within the year, or joins the long list of XRPL specifications that never reached a vote, determines the scale of the challenge to Xahau.
Developer migration signals. New deployments, tooling investment, and grant activity across the three environments are the leading indicators. The EVM sidechain’s first-year experience is the cautionary baseline: compatibility alone moved nothing.
Xahau’s differentiation response. The fork’s strongest move is to lean into what the parent will not copy, meaning its governance model, its balance rewards, and Hooks’ specific ergonomics. Whether the project pivots toward those or defends the general smart-contract ground is the strategic tell worth watching.
A closing observation about what this episode says about the ecosystem’s decision-making, since the technical story has a governance moral. The XRP Ledger’s amendment threshold is a genuine decentralization feature, the same property this publication has praised when validators declined to follow Ripple’s own signaling on other proposals, and it is also the reason a capability the ecosystem clearly wanted took six years and a fork to arrive. Both statements are true, and the tension between them is the permanent condition of any network that makes protocol change hard on purpose. Chains that can ship quickly capture opportunities and make mistakes quickly; chains that require supermajorities avoid mistakes and miss windows. Neither is a flaw to be fixed.
What the Xahau episode adds is the observation that in an open-source ecosystem, the slow chain does not actually prevent the feature from existing. It only determines where the feature lives, who benefits from it, and which token captures whatever value it generates. The developers who wanted Hooks did not wait; they left, built, and launched, and the parent chain’s caution cost it three years of programmability and handed a competitor its founding purpose. Now the parent is building the capability anyway, on its own timeline, with the fork’s work as a reference. That is either the system working exactly as designed, with experimentation happening safely outside the main ledger before the ideas mature into it, or an expensive way to arrive at a destination the ecosystem could have reached directly. Both readings have adherents, and the amendment vote will not settle which is right.
Disclaimer: This article is for information and educational purposes only and does not constitute financial or investment advice. Protocol specifications, amendment statuses, and roadmaps change, and drafted proposals may never activate. Nothing here is a recommendation to buy, sell, or hold any asset. Always do your own research. Information is accurate as of July 27, 2026.
Frequently Asked Questions What is Xahau? An independent Layer 1 blockchain launched in 2023 as a fork of the XRP Ledger’s open-source rippled codebase, created to implement Hooks, a lightweight smart contract system that XRPL validators had not adopted. It retains the parent’s consensus protocol, decentralized exchange, and fee-burning design while adding programmability, its own token XAH, its own validator set, and a governance system administered through a hook on the genesis account.
What are Hooks? Small pieces of code installed on an account that impose rules on transactions the account sends or receives, executing before those transactions complete. They enable functions such as transaction time locks, social-recovery arrangements, and self-custodial direct debits. Hooks were designed for speed and low cost rather than to replicate a general-purpose virtual machine, which is the core design difference from EVM-style smart contracts.
What is the XRP Ledger building now? Two things. XLS-100d, Smart Escrows, uses WebAssembly to allow programmable conditions on escrow releases and appears among known amendments with a devnet available. XLS-101d, Smart Contracts, is a drafted specification for general smart contract capability that cites both Hooks and the Ethereum Virtual Machine among its influences. Neither is yet activated on the main ledger.
Is XRPL copying Xahau? Borrowing openly, in one direction, while the fork maintains that exchange runs both ways. The drafted XRPL specification names Hooks as an influence, which is a public acknowledgment. Xahau’s position is that it is an independent chain that has evolved in its own direction, with features on each network absent from the other, and that both occasionally adopt ideas from the other.
How many ways can you write smart contracts in the XRP ecosystem? Three, currently. Hooks on Xahau, Solidity via the XRPL EVM sidechain, and WebAssembly natively on the main ledger once the relevant amendments activate. The EVM sidechain’s first year, which this publication audited at $25,741 in total value locked, is the ecosystem’s own evidence that offering an execution environment does not by itself attract developers.
What does this mean for the XAH token? It puts pressure on the fork’s core premise. If the parent ledger ships working programmability, Xahau’s claim narrows from being the ecosystem’s smart contract chain to offering a particular style of lightweight logic against a far more liquid competitor. The counterweights are timing, since XRPL amendments require sustained eighty percent validator support and can stall for years, and genuine design differences between the two approaches.
Why did XRPL validators never adopt Hooks? The amendment never reached the sustained supermajority the ledger’s governance requires, and no single public explanation covers it. Ripple’s chief technology officer stated at the time of the fork that he did not believe validators were voting on political grounds and that Xahau had made good decisions, describing the fork as a reasonable path forward for the technology.
What would settle the competition? Activation and adoption, in that order. The amendment vote on Smart Escrows converts the parent’s programmability from a roadmap to a fact, and developer behavior afterward, new deployments and where tooling investment goes, decides which environment accumulates gravity. Ecosystem history suggests capability alone does not determine the outcome. This is educational analysis, not investment advice.
XRP price fell about 5% to $1.05 on July 28 as a broader risk-off move and forced long liquidations pushed the token below a closely watched technical floor.
Summary
XRP dropped from roughly $1.11 to $1.05, breaking support near $1.054. The 4-hour RSI fell to 25.93, placing XRP in oversold territory. Daily Chaikin Money Flow reached -0.12, showing continued net capital outflows. Liquidation clusters near $1.075 and $1.097 could limit an early recovery. XRP price breaks below a double-top neckline According to data from crypto.news, XRP (XRP) price traded at $1.049 at the time of writing after reaching an intraday low of $1.0486 on Binance. The decline extended a broader downtrend that has kept the token under pressure since May.
The 4-hour chart shows XRP forming two rounded peaks near $1.17, creating a double-top structure. Both advances lost momentum before buyers could establish support above $1.15.
XRP price forms double top on the 4-hour chart — July 28 | Source: crypto.news A horizontal neckline near $1.054 separated the pattern from its bearish confirmation. XRP moved below that level on July 28, exposing the psychological $1 mark and the late-June lows between $1.01 and $1.03.
The breakdown followed repeated failures around $1.11 during the previous sessions. Sellers took control once XRP lost $1.08, with the decline accelerating as the price approached the double-top neckline.
Momentum indicators reflect the speed of the move. XRP’s 4-hour relative strength index fell to 25.93, below the 30 level commonly associated with oversold conditions. Its RSI moving average remained much higher at 41.94, showing how rapidly short-term momentum weakened.
Oversold readings can support a temporary rebound, but they do not confirm that a bottom has formed. XRP would first need to recover the broken $1.054 level and then establish a higher low.
Liquidations accelerate XRP’s decline CoinGlass’ 24-hour liquidation heatmap shows XRP falling from around $1.105 to $1.05 as the market moved through several leveraged trading zones.
XRP liquidation heatmap | Source: CoinGlass The initial decline cleared liquidity around $1.095 and $1.08. Once those levels failed, the price moved quickly toward $1.06 as leveraged long positions faced liquidation and stop-loss orders were triggered.
XRP now trades near another visible liquidity concentration between $1.043 and $1.05. That cluster could temporarily slow the decline, although a clean move through it would leave less visible support before $1.02.
Most of the larger outstanding liquidity pools are above the current price. The heatmap shows concentrations near $1.062, $1.075 and $1.097, with the largest nearby band sitting just below $1.10.
These levels could act as price magnets during a rebound because traders may target areas where short positions are vulnerable. However, they could also become resistance if holders use a recovery to reduce exposure.
The supplied market brief attributed part of the selling pressure to more than 150 million XRP moving from private wallets to centralized exchanges over 48 hours. Without named transaction records or wallet labels, those transfers should be treated as a reported catalyst rather than confirmed evidence that all the tokens were sold.
XRP indicators point to sustained selling pressure XRP’s daily chart shows the price closing below the lower Bollinger Band, which stood near $1.0538. A close outside the band reflects unusually strong downside momentum, although it also increases the possibility of a short-term mean-reversion move.
XRP price daily chart — July 28 | Source: crypto.news The Bollinger Band midpoint is near $1.0981, closely matching the strongest nearby liquidity cluster on the heatmap. A recovery above that level would return XRP to its recent trading range and weaken the immediate bearish setup.
The upper band sits much higher at $1.1423. XRP would need to reclaim that area before the daily structure begins to shift away from the pattern of lower highs that has developed since May.
Chaikin Money Flow stood at -0.12 on the daily chart. A negative reading indicates that selling pressure has outweighed accumulation during the indicator’s 20-day window.
The 4-hour moving average convergence divergence indicator also remains bearish. The MACD line has dropped to -0.0125, below its -0.0072 signal line, while the histogram stands at -0.0052.
Immediate support sits between $1.043 and $1.05. Below that range, traders may watch $1.02 and $1.00. Resistance is located near $1.054, $1.075, and $1.098, followed by the previous rejection zone around $1.11.
Global selloff adds pressure ahead of the Fed XRP’s decline coincided with a sharp retreat across Asian technology stocks. South Korea’s Kospi closed 10.84% lower after losses in Samsung Electronics and SK Hynix drove its steepest fall in five months.
That selloff spread through other Asian markets and increased demand for lower-risk positions ahead of the Federal Reserve’s July 28–29 meeting. Higher market volatility can weigh on altcoins because traders often reduce their most speculative holdings first.
Crypto sentiment also faced a US policy setback. Senate leaders temporarily pushed aside the Digital Asset Market Clarity Act while prioritizing federal nominations and a Russia sanctions bill, reducing the time available before the August recess, according to CoinDesk.
Meanwhile, wallets associated with BlackRock’s exchange-traded funds transferred about $271 million in Bitcoin and Ethereum to Coinbase Prime. Such movements can accompany ETF creation and redemption activity, meaning they do not by themselves prove that BlackRock conducted a discretionary market sale.
For US XRP holders, the Federal Reserve meeting and the Senate’s remaining legislative schedule are the main near-term external catalysts. Technically, holding the $1.043–$1.05 zone could produce an oversold bounce, while a daily close below it would increase the risk of a move toward $1.
Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.
US Crypto Regulations — Read the full US Regulation Hub for the latest on SEC enforcement, IRS crypto tax rules, and pending legislation.
Crypto analyst ChartNerd has released a new long-term technical analysis of XRP, highlighting an 8.5-year cup and handle formation that he believes could set the stage for substantial price gains if confirmed.
Critical Fibonacci support and golden pocket retestAccording to ChartNerd, XRP’s price is currently approaching a significant support region aligned with the 0.618 Fibonacci “golden pocket” and the Gaussian support line. These technical levels are positioned as key areas to watch for a potential trend reversal.
The chart presented by ChartNerd traces the cup and handle structure back to XRP’s peak in 2018. While XRP has experienced a recent pullback, the analyst argues this move forms the handle of the longstanding pattern, rather than negating it.
ChartNerd indicates that a successful retest of this support—between the 0.786 and 0.618 Fibonacci retracement bands—could solidify the base of the handle and set up the groundwork for a potential breakout.
The handle now retraces toward the 0.618 golden pocket and Gaussian support. A tag of this zone would likely complete the handle, establish a base, and set up the next major expansion phase toward $8, $13, and $27.
Breakout confirmation would require XRP to overcome resistance at the neckline, which is clearly marked on the analyst’s chart. If that threshold is surpassed, ChartNerd projects Fibonacci extension targets at $8, $13, and up to $27 as the next major objectives.
Long-term trajectory and technical structureInstead of emphasizing daily price swings, the analysis focuses on the larger pattern that has been developing for over eight years. The chart illustrates how XRP gradually formed the cup, followed by the current handle formation, suggesting a more patient outlook might be warranted for those tracking a sustained reversal.
A comparison with a textbook cup and handle chart was included to reinforce the analogy, with the analyst suggesting XRP’s gradual handle retracement could be a pivotal step before any move to tackle the neckline resistance.
Given the importance placed on close market observation during critical technical moves, platforms like 1stepSwap are also gaining attention. 1stepSwap simplifies access to real-world assets by bringing stocks of leading U.S. companies and commodities such as gold and silver directly onto the blockchain. Users can diversify portfolios and acquire major stocks in seconds from their wallets, with automated best-price execution across the market and no need for intermediaries.
The analyst’s post has sparked extensive debate within the crypto community. Some market participants agree with the bullish technical setup and see potential for a significant move if the pattern completes as expected. Others stress caution and remind investors to factor in macroeconomic context and broader crypto trends.
A community member using the handle crip_doe emphasized that real-world adoption remains the decisive factor for XRP in the long run, suggesting that price appreciation could outpace technical targets if utility takes off. Coralynmoran_ pointed out that while similar formations have played out before, investors should continue to monitor both chart patterns and market conditions closely.
Some commentators acknowledged that, while the technical formation is promising, the ultimate outcome will depend on overall sentiment and XRP’s evolving use case in the broader financial ecosystem.
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 Depository Trust & Clearing Corporation (DTCC) reported significant progress in the US Treasury market’s transition to mandatory central clearing, citing rapid movement from preparation to implementation among the sector’s largest participants.
Central clearing gains momentum in US Treasury marketDTCC disclosed that over $1.2 trillion in US Treasury cash transactions are now centrally cleared through the Fixed Income Clearing Corporation (FICC) each day. FICC, a subsidiary of DTCC, serves as a critical infrastructure organization offering post-trade services for the fixed-income market in the United States.
A recent survey found that 79% of FICC Government Securities Division (GSD) Netting Members have completed the necessary account setup. Nearly all other firms are currently onboarding to ensure compliance before the December 31, 2026 deadline.
The survey, which achieved a 92% response rate, indicates that US Treasury market participants are adapting to one of the most significant market structure changes in decades. DTCC estimates that only $300 billion to $400 billion in Treasury cash activity must still shift to central clearing before the regulatory requirements take full effect.
On average, the FICC currently processes over $12 trillion per day in Treasury cash and repo transactions, placing central clearing at the heart of initiatives designed to bolster market stability, transparency, counterparty risk management, and liquidity. These reforms follow disruptions previously seen in the Treasury market, highlighting an industry-wide push for modernization.
CategoryAmount Cleared DailyMigration RemainingCompliance DeadlineUS Treasury cash (centrally cleared)$1.2 trillion$300–400 billionDecember 31, 2026Total Treasury cash & repo (FICC)$12 trillionN/AN/AMore than $1.2 trillion in US Treasury cash trades are now centrally cleared daily, with almost four-fifths of relevant sector members having completed account setup ahead of the 2026 requirement.
Ripple’s growth and blockchain’s role in asset settlementThe DTCC update has fueled debate within the XRP community, not because of a direct DTCC tie-in, but due to Ripple’s rising influence in institutional financial markets. Ripple, known for its enterprise blockchain-based payment solutions, continues to broaden its platform capabilities for large financial institutions.
Ripple Prime, which provides brokerage and custody services to professional clients, reportedly supports more than $3 trillion in annual trading volume across digital assets, foreign exchange, derivatives, precious metals, and fixed-income repo markets. The platform currently serves over 300 institutional entities worldwide.
The company has also emerged as an active participant in industry conversations around digital asset custody, tokenization, and post-trade infrastructure, aligning itself with the broader movement to modernize how markets operate.
Meanwhile, the XRP Ledger (XRPL) is increasingly being used as a platform for tokenizing real-world assets. Ondo Finance and Guggenheim’s Digital Commercial Paper (DCP) have already issued tokenized US Treasuries and commercial paper on XRPL, showcasing the ledger’s potential for accelerated settlement and more efficient asset transfers.
DTCC has not announced any plans to incorporate XRPL or Ripple technology into its clearing or tokenization processes. Similarly, Ripple Prime’s participation in DTCC’s initiatives has not been confirmed.
DTCC maintains that its central clearing strategy, combined with industry tokenization and blockchain innovation, highlights a rapidly evolving financial landscape. Institutions with established track records, such as Ripple and the XRP Ledger, are positioned to contribute further as the modernization of financial markets continues.
Mini dictionary: The Depository Trust & Clearing Corporation (DTCC) is a US-based organization that provides post-trade market infrastructure for the global financial services industry, ensuring safe and efficient settlement of securities transactions. The Fixed Income Clearing Corporation (FICC), a subsidiary of DTCC, specifically handles the clearing and settlement of fixed-income securities such as US Treasuries and mortgage-backed securities.
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.
Clear Creek Financial Management, a Wall Street investment advisory firm with over $1.5 billion in assets under management (AUM), has revealed its crypto ETF investments. It has products pegged to Bitcoin (BTC), Ethereum (ETH), XRP and Solana (SOL) in its latest filing of Form 13F with the U.S. Securities and Exchange Commission (SEC).
Wall Street Firm Discloses Bitcoin, ETH, XRP, SOL Holdings The filing reflects the firm’s biggest crypto investment as the Bitwise Bitcoin ETF. It holds 304,155 shares, which valued at $9.69 million at the close of the reporting period. Clear Creek also held shares in the iShares Bitcoin Trust ETF, holding $477,412 worth of the fund, and the Grayscale Bitcoin Trust ETF, which has $248,539 worth of holdings.
Ethereum was also the second largest allocation of the firm’s crypto ETF. The filing revealed 337,162 shares of the Bitwise Ethereum ETF valued at $3.80 million. It also had 14,336 shares worth $170,455 of the iShares Ethereum Trust and 21,374 shares of the Grayscale Ethereum Staking ETF, valued at $321,251.
In addition to the two biggest cryptocurrencies, Clear Creek also had stakes in XRP and Solana ETFs. According to the filing, the firm held 11,621 shares of the Bitwise XRP ETF, which currently have a value of $135,501.
The investment manager stated he had 11,258 shares of the Bitwise Solana Staking ETF with a value of $112,693 in addition to 28,144 shares of the Grayscale Solana Staking ETF valued at $155,636 worth.
The filing comes as institutional interest in crypto ETFs expands. Moreover, the latest 13F filing reveals that Clear Creek Financial Management has a crypto strategy beyond Bitcoin and Ethereum as it is also holding XRP and Solana investment products.
If you’ve been scrolling past crypto headlines wondering what the CLARITY Act actually is, here’s the quick version, straight from Fundstrat’s Tom Lee.
What it actually does
Right now, crypto in the US doesn’t have one clear rulebook. The CLARITY Act would fix that by creating a single national body to oversee it, the CFTC. That matters more than it sounds like it should.
Here’s why. Big banks and asset managers want to build stablecoin systems and put real-world assets on the blockchain. But if every state gets to set its own crypto rules, companies get nervous fast. Nobody wants to build a nationwide product only to find out Texas and New York disagree on how it should work.
Who’s actually backing it
This isn’t a fringe crypto wishlist. Lee named Charles Schwab and Franklin Templeton as firms in favor, both big, mainstream financial names, not crypto startups.
The comparison that makes it click
Lee’s best explanation is that this is crypto’s “1934 moment.”
Back in 1934, the US created the SEC because investors were dealing with a patchwork of conflicting state rules and couldn’t function that way. Crypto is stuck in that exact same mess right now. One clear federal standard replaces fifty different ones.
He also pointed out something bigger happening underneath. Crypto is turning money into software. Loyalty points, reputation scores, all kinds of things can now function like currency. That’s exactly the kind of shift that needs one clear referee, not fifty.
The clock is ticking, and other countries aren’t waiting
Here’s the part that should actually worry people. Japan, Russia, and Europe are already passing similar rules. Lee thinks this is part of why crypto markets have been recovering, since the rest of the world is embracing it while the US risks falling behind.
Will it actually pass?
With only a few legislative days left before the midterms, Lee’s not fully confident. His read is that plenty of concessions have already been made to win over opponents, but some of them still want more before they’ll say yes. His honest take: “Anything could happen.”
Story Ends Here
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Ripple (XRP) and Cardano (ADA) are facing a price decline today, as CLARITY Act odds fade amid reports that the US Senate has shelved the crypto bill to prioritize other legislation. This move suggests that senators will only have a small window to vote for the CLARITY Act before they break for recess on August 8.
XRP price is down by 4.8% today, July 28, to trade at $1.05 at the time of writing. ADA price has also dropped by 6.45% to trade at $0.15.
CLARITY Act Odds Drop as Senate Shelves Crypto Bill Data from Polymarket shows that the odds of the CLARITY Act passing have dropped from 53% on July 21 to 37% on July 28.
CLARITY Act Odds (Source: Polymarket) This drop comes after the Senate calendar failed to include the CLARITY Act bill in the week between July 27 and July 31.
As CoinGape reported earlier, the Senate is prioritizing voting on the Russia sanctions bill and voting on the officials nominated by President Trump to head various federal agencies.
This delay comes as the bill continues to face opposition from Democratic senators who say that the ethics provisions that prevent public officials from issuing digital assets need to be tightened.
New York Attorney General Letitia James is also urging the Senate to vote against the bill, saying that it could interfere with the ability of states to crack down against crypto fraud if it passes.
As the bill faces more opposition and the Senate calendar remains busy ahead of the August 8 recess, the price of US-made coins like XRP and Cardano faces volatility.
XRP Bleeds as Long Liquidations Hit 1-Month High XRP price is dropping due to selling pressure caused by reduced chances of the CLARITY Act bill passing before Congress breaks for recess.
Data from Coinglass shows that this drop has caused $8.55 million in long liquidations. The funding rate has also dropped to -0.0051.
The four-hour chart now suggests that the drop might continue because XRP has created a head-and-shoulders pattern. This pattern usually warns that the trend is changing to favor bears.
XRP has also moved below the support of this pattern at $1.08. Considering that the H&S pattern has a height of 6.75%, the price of XRP could drop to the June 26 low of $1.01 if the selling pressure remains high.
XRP/USDT: 4-hour Chart (Source: TradingView) The AO bars that are red and negative also support a bearish XRP price prediction. They suggest that bears are tightening their grip, making the drop to $1.01 likely.
This bearish thesis will become invalid if XRP closes above $1.08, with such a move set to push XRP to $1.15 per a previous Coingape XRP price analysis.
Cardano Price Outlook as Crash to $0.10 Looms Cardano price also mirrors the decline seen with XRP after falling by 5% today, July 27. The red volume histogram bars suggest the decline stems from an increase in selling pressure.
If the drop continues due to fears of the CLARITY Act bill not passing, ADA could drop to the support of $0.13.
But if the price closes below this price of $0.13, it could move to the psychological support of $0.10.
The RSI reading of 41 suggests that the momentum is bearish. This RSI also shows that Cardano is not yet oversold despite the recent drop, which suggests that the downtrend could continue.
ADA/USDT: 1-day Chart (Source: TradingView) This bearish long-term Cardano price prediction could become invalid if it closes above resistance at the 61.8% Fib of $0.19.
Institutional Demand for XRP and Cardano Surges Data from SoSoValue shows that XRP ETFs posted $592,000 in inflows on July 27. These were the first inflows for these ETFs since July 21.
CME Group also shows that institutions traded 4,682 XRP futures contracts on July 27, also marking the highest volumes since June 24.
XRP Futures Volumes (Source: CME Group) Institutional investors also traded 2.3 million ADA on July 27, and this was an increase from the 900,000 ADA traded on July 24.
The rising CME volumes suggest that institutional interest in XRP and Cardano rose on July 27 as the crypto market gained.
Since its launch, the HYPE spot ETF has outperformed Bitcoin, Ethereum, Solana, and XRP ETFs in terms of cumulative fund inflows by market capitalization.
The wave of spot ETFs, which began with the US SEC’s approval of spot Bitcoin ETFs in January 2024, is now continuing with the participation of many altcoins.
At this point, besides BTC, many altcoins such as Ethereum, XRP, and Solana have also received ETF approvals, and investor interest continues to grow.
At this point, the Hyperliquid (HYPE) ETF is attracting significant interest from investors.
Grayscale, a crypto asset management company, included noteworthy data in its latest analysis of the HYPE spot ETF.
According to the company’s assessment, the HYPE spot ETF has outperformed Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and XRP spot ETFs in terms of cumulative fund inflows by market capitalization since its launch.
According to Grayscale’s analysis, the spot HYPE ETF stood out as the ETF product that attracted the fastest early-stage investor inflows. The firm noted that, based on the same timeframe, the HYPE ETF had the strongest start compared to its competitors.
Grayscale, which also examined other ETFs, noted that spot Bitcoin ETFs showed the most stable inflow trend, while ETH ETFs experienced a mid-period increase.
The analysis noted that Solana and XRP spot ETFs also saw strong investor interest and significant fund inflows in their initial phases.
However, Grayscale stated that, when compared to the same time period, the HYPE ETF had the strongest start ever. This, they said, indicates that investor demand for HYPE remains strong.
*This is not investment advice.
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As prices in Bitcoin and altcoins continue to fluctuate, this has also been reflected in spot ETFs.
At this point, there was an outflow from spot Bitcoin ETFs, while Ethereum ETFs experienced a net inflow.
According to Farside Investors data, US spot Bitcoin ETFs recorded a net outflow of approximately $11.6 million yesterday, July 27.
This marks the third consecutive day of outflows from BTC ETFs, although the rate of outflows has begun to slow.
BlackRock’s IBIT fund led the way in Bitcoin ETF outflows with $8.8 million, followed by Fidelity’s FBTC fund with $2.8 million.
While no outflows were recorded except for two funds, Bitwise’s BITB; Ark Invest’s ARKB; Grayscale’s GBTC; Grayscale’s Mini BTC; Morgan Stanley’s MSBT; Wisdom Tree’s BTCW; VanEck’s HODL; Invesco’s BTCO; Franklin Templeton’s EZBC; and Valkyre’s BRRR fund recorded 0 flows.
Ethereum and Altcoins Are in a Mixed State! In contrast, Ethereum ETFs experienced inflows. According to Farside Investors data, US spot Ethereum ETFs recorded net inflows of approximately $11.7 million on July 27th. This signifies a reversal of the net outflows.
In ETH ETFs, BlackRock’s ETHA fund was the only fund to experience inflows, recording $11.7 million.
In contrast, Fidelity’s FETH; Grayscale’s Mini Ethereum (ETH); BlackRock’s ETHB; Bitwise’s ETHW; 21Shares’ TETH; VanEck’s ETHV; Invesco’s QETH; and Franklin Templeton’s EZET fund all recorded 0 flows.
Lastly, spot Solana ETFs recorded a net inflow of $1 million, while HYPE saw an outflow of $2.9 million, and XRP ETFs experienced neither inflow nor outflow.
*This is not investment advice.
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TL;DR
Franklin Templeton's $592,470 inflow ends a three-day zero streak for U.S. spot XRP ETFs, pushing sector net assets past $1 billion as XRP holds near $1.09SHIB burn rate rises 9,241% with 2.8 billion tokens destroyed in a week, though price falls 6.55% to $0.00000465 as whales take profitsElon Musk's X Money launches in the U.S. with a 6% account yield and FDIC-insured cash sweep, but excludes Dogecoin and Bitcoin from the payment platformBitcoin's $63,800 support weakens as traders price in a 34%–40% chance of a Fed rate hike on July 29, while spot BTC ETFs post an $11.64 million outflowFranklin Templeton gets U.S. XRP ETF market moving on CLARITY Act newsAfter three days of complete silence, the U.S. spot XRP ETF sector has finally shown signs of life. According to fresh data from analytics platform SoSoValue, the funds recorded a net capital inflow of $592,470 at the beginning of the new week.
Before that, the market had effectively frozen, with inflows remaining strictly at zero for three consecutive trading sessions.
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Remarkably, a single player accounted for the entire inflow. The main driver of this local comeback was Franklin Templeton's clients, who directed funds exclusively into the financial giant's XRPZ exchange-traded product. All other issuers ended the day with no changes in their flows.
Total US spot XRP ETF net inflow and XRP price action over the past 30 days, Source: SoSoValueNevertheless, even this modest and highly concentrated injection was enough for the sector to cross an important historical threshold. The total net assets held by U.S. XRP ETFs officially exceeded $1 billion once again. XRP, meanwhile, continues to hold near $1.09.
Observers link the renewed investor activity to the news surrounding the CLARITY Act. Although there is still considerable uncertainty around the final text of the bill, which is intended to bring long-awaited regulatory clarity to the U.S. digital asset industry, as well as the timeline for its passage, Franklin Templeton's leadership has already publicly expressed support for it.
Such positioning by a major financial institution appears to have acted as a green light for conservative investors. While the rest of the market remains on the sidelines and assesses the risks, Franklin Templeton's clients seem to have decided to move ahead of the curve through XRP, betting on an imminent resolution of the regulatory deadlock.
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Billions of SHIB sent to the 'dead' address: Burn rate jumps 9,241%, but whales push price lowerSHIB's deflationary mechanism has had a record-breaking week, while traders have entered a period of local profit-taking. According to tracker Shibburn, the token burn rate surged by 9,241% over the past seven days, permanently removing an impressive 2.8 billion tokens from circulation.
However, this has not helped the price chart so far. SHIB has fallen 6.55% over the past 24 hours and is trading near $0.00000465. The market capitalization of Ethereum's largest meme cryptocurrency currently stands at $2.74 billion.
Shiba Inu (SHIB) burning activity over the past 7 days, Source: SHIBBurnAt the end of July, SHIB experienced a powerful rally to levels around $0.00000525, driven by large whales and Asian retail investors. The market has now entered a natural cooling phase, with short-term traders taking profits, while the daily burn rate has fallen by 81% to 344 million tokens over 24 hours.
SHIB's main challenge remains unchanged: its enormous total supply of 589 trillion tokens. Against this backdrop, even billion-token burns function more as a positive news catalyst than as a source of genuine scarcity.
Dollars instead of Dogecoin: Elon Musk debuts X MoneyThe long-awaited X Money payment system from social media platform X has officially launched in the United States, but contrary to years of expectations from the crypto community, it has turned out to be a conventional digital banking service.
Yesterday, the first Premium and Premium+ subscribers received access to peer-to-peer transfers, early salary payments and branded X Cards offering 3% cashback on purchases. The service offers an aggressive 6% annual yield on account balances and up to $10 million in FDIC insurance through a cash sweep system, all powered by traditional fiat payment rails from Visa and Cross River Bank.
Elon Musk summarized the launch in his typically concise style: "This is money." However, Dogecoin, the billionaire's favorite cryptocurrency, as well as Bitcoin, have been left out. Neither the X website nor the official announcements contain a single mention of cryptocurrencies.
The situation appears ironic, considering that Musk's other companies are deeply involved in digital assets. Tesla still holds 11,509 BTC on its balance sheet, while SpaceX holds 18,712 BTC. Together, this corporate crypto reserve of 30,221 BTC is currently valued at almost $2 billion, but even such holdings were not enough to bring cryptocurrency into X Money.
Against the backdrop of previous speculation about a crypto revolution inside the social network, the release looks like a pragmatic move. Instead of volatile tokens, Musk has chosen products that are familiar to mainstream users in order to compete directly with Venmo, PayPal and Cash App.
The integration of DOGE, BTC and other crypto assets, should it happen at all, has apparently been postponed until a later stage.
Crypto market outlook: Bitcoin turns defensive ahead of Fed rate decisionBitcoin's local support at $63,800 is weakening as traders reduce risk ahead of the July 29 FOMC meeting, pricing in a 34%–40% probability of an unexpected Federal Reserve rate hike.
Against the backdrop of macroeconomic pressure and internal disputes within the Bitcoin network over the BIP-110 update, major players are shifting their focus toward preserving balance-sheet stability and selectively rotating capital into regulated altcoin funds, including ETH, SOL and XRP.
Key checkpoints:
Bitcoin traders price in the risk of a hawkish Fed decision: Investors are reducing positions ahead of the July 29 meeting as the probability of an unexpected rate hike rises to 34%–40%, intensifying the market's local decline and expectations of increased volatility.U.S. spot BTC ETFs record net capital outflow: American Bitcoin funds ended their inflow streak with an $11.64 million outflow on July 27, while Ether, Solana and XRP funds recorded net inflows of $9.23 million, $1.03 million and $592,000, respectively.Strategy pauses BTC purchases to buy back shares: The company has not purchased cryptocurrency for five weeks and instead directed $25 million toward repurchasing its own shares at a discount. According to Benchmark analysts, the move will strengthen its balance sheet ahead of future rounds of Bitcoin accumulation.Miners minimize the risk of a Bitcoin network hard fork: Mining pools are largely ignoring the controversial BIP-110 proposal to restrict Ordinals and Runes protocols, refusing to move to a chain with a lower hash rate and no economic weight.Galaxy Digital diversifies into data centers: Mike Novogratz's company has signed a deal in Texas to build an AI campus with capacity starting at 74 MW by 2028, confirming the broader trend of repurposing crypto infrastructure for high-performance computing. You Might Also Like
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Roughly $80 billion left the space during the Tuesday morning crash.
Bitcoin’s Monday rally that drove it to $65,600 on a couple of occasions has come to a screeching halt, as the asset has not only erased all gains but plummeted even more to a ten-day low.
Most altcoins have followed suit, which has skyrocketed the daily liquidations to approximately $700 million.
BTCUSD July 28. Source: TradingView The chart above paints a clear and painful picture. BTC had maintained $64,000 over the weekend before it jumped to a multi-day peak of $65,600 on Monday. It tried to take down that resistance twice, but it was stopped each time.
The second rejection was quite violent as it drove the asset south by nearly $3,000 in hours. Thus, BTC plummeted to $63,000 for the first time since July 17.
Popular analyst CRYPTOWZRD weighed in on the latest move south, indicating that the largest digital asset had closed bearish. They believe it’s essential for BTC to remain above the currently tested support at $63,000; otherwise, it could slump to new local lows.
ETH was yesterday’s top gainer, surging to a two-month peak of $1,980. However, it has lost $100 since then and now sits well below $1,900. XRP has dumped by 4.5% to $1.06, thus slipping below the coveted $1.10 support. SOL is down by a similar percentage, while HYPE has plummeted by 6%.
Expectedly, this big market move has harmed over-leveraged traders, as more than 165,000 such participants have been wrecked in the past 24 hours. The total value of liquidated positions has risen to almost $700 million on a daily scale. Naturally, BTC and ETH lead the pack.
You may also like: Bitcoin Trading Far Below Historical Norms: Rebound or a Warning Sign? Bitcoin’s 200-Week MA Is Back in Play: Why It Matters for BTC’s Price Trump Reportedly Halts Planned Attacks on Iran: How Will BTC React? Liquidation Data on CoinGlass This morning’s market crash comes just a day before the US Federal Reserve is scheduled to announce its interest rate decision, and the uncertainty around a potential hike has harmed risk-on assets like crypto.
Leading cryptocurrencies fell sharply on Monday as investors weighed developments around the Clarity Act and a pause in U.S.–Iran hostilities.
Crypto Market TumblesBitcoin nearly dived below $63,000 in a sharp evening sell-off, while Ethereum fell to $1,860 as 24-hour trading volume more than doubled.
Over $670 million was liquidated from the cryptocurrency market in the last 24 hours, with $533 million in bullish long positions wiped out, according to Coinglass data
Bitcoin’s open interest fell nearly 2% over the last 24 hours. That said, derivatives traders on Binance stayed net-bullish on the apex cryptocurrency.
"Fear" sentiment prevailed in the market, according to the Crypto Fear & Greed Index.
SEC Chair Paul Atkins said in a CNBC interview that he’s “optimistic” that Congress will pass the key cryptocurrency market legislation.
Top Gainers (24 Hours)
The global cryptocurrency market capitalization stood at $2.23 trillion, following an increase of 1.19% over the last 24 hours.
Dow Rallies, Nasdaq DipsMajor indexes closed in the green on Monday. The Dow Jones Industrial Average rallied 262.83 points, or 0.51%, to end at 52,210.08. The S&P 500 eked out a narrow gain of 0.02% to close at 7,413.18. The tech-heavy Nasdaq Composite, meanwhile, slid 0.18% and settled at 24,932.08.
Hostilities between the U.S. and Iran remained paused after nearly two weeks of nightly military exchanges. Mike Waltz, U.S. Ambassador to the UN, said negotiations are ongoing at both technical and senior levels, but stressed that the U.S. military remains "locked and loaded."
Big Move Around the Corner?Ali Martinez, a widely followed cryptocurrency analyst and trader, noted Bitcoin’s 3-day Bollinger Bands tightening around the $65,000 level.
“Periods of low volatility like this are often followed by a major price expansion. A big move could be just around the corner,” the analyst projected.
The Bollinger Band Squeeze occurs when the volatility drops, causing the space between the bands to tighten. When the price closes outside of bands, traders consider it a potential new breakout. This strategy is used to identify the start of new trends following periods of consolidation.
Michaël van de Poppe, another prominent cryptocurrency influencer, spotlighted a short-term correction in Ethereum, but emphasized bullish continuation on the daily chart, targeting a breakout toward $2,000.
Photo: Sodel Vladyslav / Shutterstock
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The top altcoins, including Ripple (XRP), Cardano (ADA) and Solana (SOL), are trading in the red as the broader cryptocurrency market faces downside pressure. The bearish pressure aligns with Citadel Securities' anticipation of a surprise Fed rate hike, which could reduce liquidity in high-risk assets, including crypto assets.
Technical outlook: XRP, ADA and SOL risk further decline XRP extends a steady decline below its 50-day Exponential Moving Average (EMA) at $1.1337. At the time of writing, XRP edges lower on Tuesday, extending its 4% decline from the previous day.
From a technical perspective, XRP trades below the 78.6% Fibonacci retracement level, measured from $1.2935 to $1.009, at $1.0700. The next bullish defense aligns with the Fibonacci anchor at $1.009.
Momentum reflects reinforcing downside pressure with the Relative Strength Index (RSI) at 39 sloping below the neutral 50 line, while the Moving Average Convergence Divergence (MACD) holds marginally below its signal line in the negative territory. Together, the indicators suggest waning bullish momentum rather than an imminent reversal.
XRP/USDT daily price chart.On the topside, initial resistance appears at the 78.6% Fibonacci retracement at $1.0700, followed by the 50-day EMA at $1.1337 and the 50% retracement at $1.1513.
Cardano maintains a steady downward trend below its 50-day EMA at $0.1739 amid a broader bearish backdrop. Recent rebounds remain corrective within a dominant downtrend and extend the decline below the broken rising support trendline near $0.1673.
The bearish breakout in ADA could target the June 6 low at $0.1486, followed by the June 26 swing low at $0.1385.
Momentum conditions align with a bearish tone, with the RSI near 39 signaling weak demand, while the MACD and signal line have slipped marginally into negative territory, suggesting sellers still retain the upper hand.
ADA/USDT daily price chart.Initial resistance appears around the former rising support level of $0.1673, forming a cap zone. A sustained break above this area would then bring the 50-day EMA at $0.1739 into focus as the next hurdle before the much higher 200-day EMA at $0.2808.
Solana trades below $75 on Tuesday, maintaining a bearish near-term bias below the 50-day EMA at $76.32 and well under the 200-day EMA at $92.59. From a technical perspective, the overhead moving averages keep rallies capped by layered overhead supply.
Momentum reinforces this soft tone, with the RSI at around 42, indicating weak demand, while the MACD remains in negative territory and below its signal line, suggesting downside pressure is still dominant.
A steady decline in SOL could target the February 6 low at $67.50, followed by the June 6 low at $60.13.
SOL/USDT daily price chart.On the topside, initial resistance is at the 50-day EMA near $76.32, where any recovery is likely to encounter the first meaningful selling pressure. A sustained break above that zone would expose the 200-day EMA at $92.59 as the next key barrier.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
Ripple (XRP) and Stellar (XLM) remain under pressure on Tuesday after losing over 4% and over 5%, respectively, the previous day. In addition, weakening momentum indicators and deteriorating derivatives metrics suggest sellers remain in control, raising the risk of further downside for both altcoins.
Weakening derivatives metrics support downside riskDerivatives data shows a slight bearish tilt. CoinGlass’ long-to-short ratio for both XRP and XLM read 0.83 and 0.98, respectively, on Tuesday, nearing their lowest levels in over a month. The ratio being below one, indicates bearish sentiment, as traders are betting the assets' prices will fall.
XRP long-to-short ratio chart. Source: Coinglass
XLM long-to-short ratio chart. Source: CoinglassIn addition, the funding rates also show a bearish outlook. XRP funding rates flipped negative on Monday, reading -0.0058% on Tuesday. Similarly, for XLM, the funding rate flipped negative on Monday, reading -0.0210%, indicating that shorts are paying longs and signaling bearish sentiment.
XRP funding rates chart. Source: Coinglass
XLM funding rates chart. Source: CoinglassXLM technical outlook: Bears in control of the momentumXRP price trades at $1.05 on Tuesday after losing over 4% the previous day. XRP is maintaining a bearish near-term bias as price remains below the 50-, 100-, and 200-day Exponential Moving Averages (EMAs) at $1.13, $1.21, and $1.42, respectively.
The Relative Strength Index (RSI) is in bearish territory near 39, suggesting lingering downside pressure. At the same time, the Moving Average Convergence Divergence (MACD) remains fractionally negative, suggesting that recovery attempts are still vulnerable below the clustered EMA resistance.
On the topside, initial resistance is seen at the 50-day EMA around $1.13, followed by the 100-day EMA near $1.22 and the horizontal barrier at $1.30; beyond that, the 200-day EMA at $1.42 and the $1.90 level mark more distant caps.
On the downside, the next notable support aligns with the psychological and structural floor at $1.00, where buyers would be expected to defend the broader uptrend unless a deeper correction unfolds.
XLM technical outlook: Slips below key EMAsXLM price trades at $0.172 on Tuesday after correcting over 5% the previous day. XLM is maintaining a bearish tone as it holds below the key EMAs, with the 50-day EMA at $0.187, the 100-day EMA at $0.186, and the 200-day EMA at $0.196 acting as a dense overhead cap.
XLM price is also pressing just under the 78.6% Fibonacci retracement at $0.173, reinforcing immediate topside pressure. At the same time, the RSI around 38 suggests soft momentum, and the MACD remains slightly negative, hinting that sellers still have the near-term advantage.
On the topside, initial resistance is seen at the 78.6% Fibonacci retracement at $0.173, followed by the horizontal barrier at $0.177; above this area, the 100-day EMA at $0.186 and the 50-day EMA at $0.187 form a broader resistance band ahead of the 200-day EMA at $0.196 and the 61.8% Fibonacci retracement at $0.200.
On the downside, support aligns at the prior structural floor near $0.142, just above the cycle low anchor around $0.139, with a daily close below this zone likely opening the door to a deeper corrective phase despite interim attempts to stabilize.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
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.
The XRP Ledger ecosystem is preparing for the activation of the highly anticipated fixCleanup3_2_0 amendment, which is scheduled to go live in less than two days. Latest data from XRPScan indicates the current countdown stands at approximately 1 day and 23 hours, with implementation expected on July 29.
Consensus and amendment activationThe fixCleanup3_2_0 amendment successfully achieved majority consensus among validators after an 85.71% approval in recent voting rounds. According to the XRP Ledger’s amendment system, an 80% supermajority is required to trigger the two-week activation timer for any change impacting transaction processing. Once this threshold is reached and maintained continuously for the specified period, the amendment is enabled on the mainnet.
Validators, who play a crucial role in overseeing network upgrades, are responsible for reviewing proposed changes and signaling their approval through the consensus process. This rigorous voting mechanism is designed to safeguard the integrity of the ledger and prevent contentious or untested changes from being adopted prematurely.
Mini dictionary: XRP Ledger amendment system – A governance mechanism allowing validators to vote on proposed protocol updates, requiring 80% approval over two weeks for activation.
Improvements and past upgradesBarring any unforeseen circumstances, the fixCleanup3_2_0 upgrade will integrate several important fixes and enhancements. The update addresses issues related to Single Asset Vaults, the Lending Protocol, permissioned decentralized exchanges (DEX), Multi-Purpose Tokens, and permissioned domains within the XRP Ledger.
This latest amendment follows Ripple’s recent efforts to prioritize security and reliability across the Ledger. Earlier this year, Ripple introduced a dedicated AI-assisted red team tasked with proactively hunting for vulnerabilities in the XRP Ledger ecosystem. Ripple, a San Francisco-based enterprise blockchain company, is the primary driving force behind the XRP Ledger’s development and ongoing upgrades.
The current upgrade comes shortly after fixCleanup3_1_3 was activated on May 27, delivering critical fixes for NFTs, Permissioned Domains, Vaults, and the Lending Protocol. That amendment was seen as a direct response to discovered issues affecting the smooth functioning of these features.
XRPL version 3.2.0, launched in June, focused mainly on system cleanup and maintenance. It closed out multiple fixes from Ripple’s backlog, retired amendments that had been activated for over two years, and introduced the fixCleanup3_2_0 amendment.
Ripple’s escalation in security efforts began in March, when the company announced its commitment to continuous security audits by deploying an AI-powered red team. This initiative aims to detect and mitigate vulnerabilities before they impact users or applications built on the XRP Ledger.
The 3.1.3 release, which included the previous fixCleanup3_1_3 change, marked the first security-focused update emerging from these intensified monitoring efforts.
Looking aheadOnce live, the fixCleanup3_2_0 amendment is expected to enhance protocol reliability and user experience for projects and applications relying on the XRP Ledger. If no last-minute challenges arise, the mainnet upgrade will proceed according to the planned schedule.
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.
Ripple (XRP) maintains narrow range trading on Monday, with support at $1.10. The token's upside remains largely constrained, as major moving averages trend downward, aligning with low demand in both the institutional and retail markets.
XRP cooling demand limits momentumRetail interest in XRP derivatives remains relatively stable, given perpetual futures Open Interest (OI) stands at 2.21 billion XRP on Monday, up from 2.19 billion XRP the previous day. According to CoinGlass, OI has stabilized following the drop to 2.37 billion XRP on July 20, indicating that investors lack the conviction to remain exposed to risk. Besides, an attempt to sustain a breakout lost momentum around $1.16 last Tuesday.
XRP Futures OI | Source: CoinGlassAppetite for XRP spot Exchange-Traded Funds (ETFs) continued to deteriorate, considering activity remained muted on Wednesday, Thursday and Friday. According to SoSoValue data, cumulative inflows average $1.49 billion, with net assets under management at $1.01 billion, suggesting that investors have a longer-term interest in XRP, which may help stabilize the price amid the current technical weight.
XRP ETF flows | Source: SoSoValueGeopolitical tensions in the Middle East eased over the weekend as United States (US) President Donald Trump paused military action against Iran to give space for dialogue. Iran also responded by suspending strikes on US military bases in the region. Oil prices have seen a sharp decline on Monday, reflecting easing tensions between the two countries as they seek a diplomatic solution toward a lasting peace agreement.
Price analysis: XRP extends consolidationXRP trades at $1.11, keeping a bearish near-term bias as it holds well below the 50-day, 100-day and 200-day Exponential Moving Averages (EMAs). The nearest confluence of resistance sits just overhead around $1.14, where the 50-day EMA aligns with the 78.6% Fibonacci retracement level, suggesting that rebounds are likely to face supply quickly.
The Relative Strength Index (RSI) at 49 is effectively neutral on the daily chart, while the Moving Average Convergence Divergence (MACD) line remains marginally above zero, hinting that downside pressure is present but not yet accompanied by strong momentum.
XRP/USDT daily chartThe first notable support emerges at the 100% Fibonacci retracement level near $1.01, where buyers may attempt to build a base if selling resumes. If price fails to hold this floor, the broader Fibonacci structure would leave XRP exposed to a deeper retracement toward prior cycle levels, reinforcing the view that the pair must reclaim the $1.14 cluster to ease immediate downside risks and open the way toward the 100-day EMA at $1.22 and the 61.8% Fibonacci retracement at $1.24.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
Open Interest, funding rate FAQs Higher Open Interest is associated with higher liquidity and new capital inflow to the market. This is considered the equivalent of increase in efficiency and the ongoing trend continues. When Open Interest decreases, it is considered a sign of liquidation in the market, investors are leaving and the overall demand for an asset is on a decline, fueling a bearish sentiment among investors.
Funding fees bridge the difference between spot prices and prices of futures contracts of an asset by increasing liquidation risks faced by traders. A consistently high and positive funding rate implies there is a bullish sentiment among market participants and there is an expectation of a price hike. A consistently negative funding rate for an asset implies a bearish sentiment, indicating that traders expect the cryptocurrency’s price to fall and a bearish trend reversal is likely to occur.
27 July 2026 | 16:17 XRP traded near $1.10 at the time of writing, once again testing the rising trendline connecting its higher lows since late June.
Key Takeaways XRP defended rising support on July 25. Price returned after a weak rebound. Binance funding is modestly positive. Repeated tests leave the trendline vulnerable. Price first reached this boundary during the July 25 session, when buyers absorbed enough selling to prevent a confirmed breakdown. The rebound stalled around $1.11, leaving XRP back at the same support only two sessions later.
The triangle remains intact, but the limited response weakens the defence. Buyers have absorbed repeated selling without pushing price decisively away from the boundary, increasing the importance of the next daily close.
Binance Funding Shows a Modest Shift Positioning on Binance’s perpetual futures market has turned slightly more constructive. According to CryptoQuant’s latest analysis, XRP funding rose to approximately 0.00138 after briefly falling below zero, while its 30-day Z-score reached 0.21.
Binance XRP funding rate and 30-day z-score metrics tracking market leverage. The Z-score places funding only slightly above its recent average. Binance traders are leaning towards longs again, but positioning remains far from an overheated bullish extreme.
This signal is specific to Binance derivatives, while the technical chart reflects Coinbase spot trading. The improvement is consistent with reduced bearish pressure on a major leveraged venue, but it cannot establish that spot demand has strengthened across the wider market.
So far, the shift has coincided with price stabilising at support rather than breaking higher. Broader confirmation would require stronger spot volume and a move through the resistance immediately above XRP.
The Weak Rebound Keeps Buyers Under Pressure XRP remains below its 50-day simple moving average near $1.11. A daily close above it would create distance from the rising boundary and bring the horizontal resistance around $1.15 back into focus.
Daily XRP/USD technical price chart highlighting key support levels and indicators. That level has rejected several rallies since late June and forms the upper side of the triangle. A breakout supported by stronger volume would show that demand has moved beyond simply defending the lower trendline.
The broader structure would remain under pressure even then. XRP’s 100-day SMA stands near $1.23, while the 200-day SMA sits around $1.38. Both continue to slope downward and remain well above price.
A Daily Close Below Support Would Expose $1 An intraday move beneath the rising line would carry less weight than a daily close below it. A confirmed loss would interrupt the sequence of higher lows and expose the July low around $1.01, followed by the psychological $1 level.
Binance funding would then help show how leveraged traders respond. A return below zero would indicate renewed demand for short positions. Funding remaining positive during a breakdown could leave recent longs vulnerable if selling accelerates.
The next signals are clear: watch whether XRP reclaims its short-term moving average and whether volume expands during another test of $1.15. Another weak bounce from the trendline would leave support increasingly exposed, while a close below it would shift the immediate focus back to $1.
Disclaimer: This article is for informational and analytical purposes only and does not constitute financial or investment advice. Technical patterns and derivatives indicators do not guarantee future price movements. Methodology: Technical levels are based on the supplied daily XRP/USD Coinbase chart dated July 27, 2026. Funding and Z-score data are specific to Binance perpetual futures and come from the linked CryptoQuant analysis. Author
Kosta has reported on cryptocurrency markets and blockchain infrastructure since 2020, bringing over six years of hands-on experience in the crypto industry built through daily tracking of markets, trends, and emerging blockchain developments. Specializing in Bitcoin on-chain analysis, institutional ETF flows, and digital asset price action, his work at Coindoo has been cited by other news agencies and consistently covers market developments with a focus on data-driven reporting across Bitcoin, Ethereum, Solana, and XRP. Over the years, Kosta has contributed to multiple crypto media outlets in different regions, authoring over 6,000 articles across the sector. His reporting spans cryptocurrency markets and the broader fintech industry, tracking not only price action but also the technological and regulatory forces shaping the ecosystem. To support his analysis, Kosta actively leverages on-chain data and metrics from leading platforms such as Santiment, Glassnode, and CryptoQuant, enabling deeper, evidence-based market insights. He believes in the power of transparency and the data that underpins the blockchain ecosystem. His academic background in Marketing Management from Denmark further complements his analytical approach, adding a strong understanding of communication strategy and content positioning to his work.
Crypto commentator Crypto X AiMan has drawn attention to an in-depth interview featuring Evernorth CEO Asheesh Birla and board member Ted Janus, who discussed the growing significance of blockchain technology and digital asset tokenization. AiMan highlighted Evernorth’s substantial XRP holdings, describing the company as one of the largest holders globally, with nearly 500 million XRP in its portfolio.
Executives highlight blockchain’s early maturityDuring the interview, Ted Janus presented blockchain as a foundation for the evolving financial industry, rather than a short-term trend. Janus, who has invested in blockchain technology since 2011, spoke of monitoring three main sectors: blockchain, artificial intelligence, and quantum computing.
Comparing the progress of these sectors, Janus estimated that AI is currently in its “second inning” while blockchain remains at an even earlier stage—either the first or second inning of its broader development. He indicated that quantum computing lags behind both in terms of real-world adoption.
Janus identified a shift in perspective among major financial executives. He pointed to increasing expectations from leaders at BlackRock, Fidelity, Nasdaq, and other influential firms, as well as policymakers from Washington. These leaders reportedly anticipate a substantial transition of financial assets to blockchain-based ledgers over the coming years, with stocks and bonds likely to be among the first to be tokenized.
Janus describes a growing consensus among financial industry leaders and US officials that tokenization will play a decisive role in the future of equities and bonds, potentially transforming the global financial infrastructure.
AiMan interpreted Janus’ remarks as a signal that cryptocurrencies such as XRP, Hedera, Stellar, and Solana could become vital parts of new financial market infrastructure.
Ripple CEO reference and the next wave of tokenizationThe interview also included Janus referencing Ripple CEO Brad Garlinghouse, who compared blockchain’s current stage to the “ChatGPT moment” in artificial intelligence. Janus claimed the sector is approaching a tipping point, with rapid adoption likely on the horizon. He suggested that even if legislative measures like the CLARITY Act face delays, the expansion of blockchain technology is expected to continue in the next one to two years.
Asheesh Birla expanded on the emerging tokenization theme, estimating that over $500 trillion in real-world assets could eventually be represented on blockchain networks. He noted that the eventual value might surpass even that amount as new use cases and asset classes are created through technological innovation.
Birla predicts that the rise of blockchain will go beyond the redistribution of existing financial instruments, opening opportunities for new products and services that have yet to be conceptualized.
Recent technical trends have also encouraged investors to focus on platforms with innovative solutions for integrating traditional and digital finance. 1stepSwap, for instance, offers a streamlined experience for transferring real-world assets like US company shares and commodities such as gold and silver onto the blockchain. This platform facilitates direct wallet access to these assets, bypassing traditional intermediaries and procedures, and utilizes market-wide price comparison to offer optimal trading rates for users aiming to diversify their portfolios efficiently.
AiMan emphasized that these developments indicate a broader movement, where cryptocurrencies including XRP, XLM, and HBAR could see significant benefits if tokenization expands as projected by industry leaders.
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.
While the market watched the token and the trade press counted the acquisitions, Ripple became the second-largest corporate political donor in America. The crypto industry now supplies more than a third of all corporate election money, its flagship super PAC holds a $193 million war chest, and the bill it was all built to pass is on the Senate floor this month. Here is the audit of the spend.
Summary
Fairshake and its two affiliated super PACs entered the 2026 midterm cycle with roughly $193 million in cash, a figure disclosed ahead of the January Federal Election Commission deadline and larger than the entire crypto industry deployed across all of 2024. Ripple has contributed about $48 million this cycle, second only to Andreessen Horowitz among corporate donors by one accounting, alongside Coinbase at roughly $56 million, with a further $1 million sent directly to a single Senate candidate. Public Citizen’s tally puts total crypto election spending near $189 million, roughly 37% of all corporate money in the cycle, more than artificial intelligence, Big Tech, and online gambling combined. The structure is three PACs, not one: Fairshake for bipartisan candidate spending, Protect Progress for Democratic races, and Defend American Jobs for Republican ones, a design that lets the same money work both sides without appearing in the same place. The investment gets marked this month: the market-structure bill the spending exists to pass faces its decisive Senate window before the August recess, and roughly $110 million of the war chest remains unspent with the November midterms four months out. Ripple spent about $4 billion buying companies over three years, and this publication audited that empire last week. The company also spent roughly $48 million buying something else, and almost nobody has audited that at all. The second purchase does not appear on any acquisition list, produces no revenue line, and cannot be valued by any multiple, but it is aimed at the same outcome as the first: a legal environment in which the assembled business is permitted to operate. Ripple is now, by one national tally, the second-largest corporate political donor in the United States this cycle, behind only Andreessen Horowitz and ahead of every bank, airline, pharmaceutical company, and defense contractor in the country. It sits alongside Coinbase inside Fairshake, the crypto industry’s flagship super PAC network, which entered the 2026 midterm cycle with roughly $193 million in cash, more than the entire industry deployed across the whole of the 2024 elections, and which has already spent more than $82 million with four months of campaign still to run. The industry as a whole now supplies more than a third of all corporate election money in America. This piece is the ledger: what was given, how the machine is built, what the last cycle’s version of it actually bought, where it demonstrably failed, and why the next few weeks are when the position gets marked.
The ledger, itemized Start with the numbers, because their scale is the part most coverage understates.
Fairshake and its affiliates disclosed roughly $193 million on hand in January, ahead of the Federal Election Commission’s reporting deadline, a figure about 37% higher than its July 2025 disclosure. The second half of 2025 supplied the jump: Ripple contributed $25 million in a single commitment, Andreessen Horowitz added $24 million, and Coinbase had already put in $25 million earlier in the year, roughly $74 million from three companies in six months. Cycle-to-date totals run higher than those individual checks. Public Citizen’s accounting puts Coinbase at about $56 million and Ripple at about $48 million across the cycle’s channels, with a separate tally ranking Ripple second among all corporate donors nationally behind Andreessen Horowitz at $51.65 million. The figures differ because the counting differs, some tallies aggregate only Fairshake contributions while others include direct candidate giving and other committees, and any honest citation has to say which. What no accounting disputes is the order of magnitude: three crypto companies have put roughly $150 million into a single election cycle.
The industry total is the number that reframes everything. Public Citizen puts crypto’s 2026 election spending near $189 million, approximately 37% of all corporate political money in the cycle, against $517 million in total corporate spending that is itself up 12% from all of 2024. Artificial intelligence and Big Tech combined contributed about $60 million; online gambling about $45.6 million. One industry, younger than the iPhone, now outspends every other corporate sector in American politics, and roughly $56 million of crypto money went to MAGA Inc alongside the $82 million flowing through Fairshake.
Beyond the flagship network sits additional capacity: a newer vehicle called Fellowship PAC claimed a $100 million commitment for pro-crypto candidates, meaning the sector’s declared electoral firepower exceeds a quarter of a billion dollars before a single general-election ballot has been counted.
And then there is the retail-scale detail that shows the strategy has a second gear. Ripple sent $1 million directly to John Deaton, the pro-crypto attorney who lost Massachusetts’s 2024 Senate race to Elizabeth Warren by nearly twenty points and is running again in 2026 for the state’s other seat. Direct candidate contributions of that size are unusual, visible, and personal in a way super PAC money is not, which makes the Deaton line the clearest statement of intent in the entire ledger.
The machine: three PACs, one checkbook The structure deserves explanation, because its design is the reason the money works harder than its size suggests.
Fairshake operates as three entities. Fairshake itself directs funds to candidates across both parties. Protect Progress spends in Democratic races. Defend American Jobs spends in Republican ones. The architecture solves a specific problem in American electoral finance: money that visibly funds both parties is politically awkward in primaries, where partisan credibility is the currency, so the network splits itself into partisan-facing vehicles that draw from the same donor base and coordinate the same strategy. A Democratic primary voter sees Protect Progress; a Republican primary voter sees Defend American Jobs; both are the same industry, and neither ad mentions cryptocurrency at all, because Fairshake’s signature tactic has always been to spend on issues unrelated to its own, funding advertisements about housing, healthcare, or a candidate’s record while the crypto position remains the invisible criterion.
The targeting is equally deliberate. Fairshake concentrates in primaries, where money moves outcomes furthest per dollar, and in a small number of races selected for signaling value. Protect Progress backed Adrian Boafo in a Maryland Democratic primary this cycle, and he won. That pattern, early money in low-turnout contests, is how a nine-figure war chest contests dozens of races without ever needing to win a national argument about digital assets.
The strategic effect is the one Fairshake’s own spokespeople describe most plainly: the network is standing infrastructure now, not a one-cycle experiment. The 2024 build converted heavy experimental spending into permanent capability, with money left over, $64 million carried into this cycle before a dollar of new fundraising. An industry that can credibly promise to spend against a legislator in the next primary does not need to spend in most of them, which is the quiet dividend of the whole enterprise and the reason the unspent balance matters as much as the deployed one.
What the money bought last time The 2024 record is the only evidence base for what this spending achieves, and it points in one direction while carrying an important asterisk.
Fairshake and its affiliates raised approximately $93 million across the 2023-2024 build and spent more than $130 million on media buys supporting candidates they classified as pro-crypto and opposing those classified as anti-crypto. Two results defined the cycle’s reputation: Jamaal Bowman and Cori Bush, both incumbent House members regarded as industry critics, lost primaries in which Fairshake-funded advertising was widely credited as a decisive factor. Neither race was fought on crypto policy. Both outcomes were read across Capitol Hill as proof that the industry could end a career in a primary, and that reading, more than any individual seat, is what the money actually purchased. Legislative behavior since has been consistent with the lesson having landed: the House passed the market-structure bill 294 to 134, the stablecoin statute cleared with bipartisan support, and the number of members willing to be publicly identified as anti-crypto has thinned considerably.
The asterisk is Massachusetts. The industry’s most direct 2024 investment, backing John Deaton against Elizabeth Warren, its most prominent legislative opponent, failed by nearly twenty points, and it failed in the way that matters analytically: money could not make a general-electorate race about crypto when the electorate cared about something else. That result maps the strategy’s boundary precisely. Fairshake money is extremely effective in low-turnout primaries where a modest advertising advantage decides a small electorate, and largely ineffective in high-salience general elections where partisan identity dominates. Deaton is running again in 2026, with another $1 million from Ripple already committed, which will test whether the boundary moved or whether the industry is buying the same lesson twice.
The countervailing case, made properly An audit owes the other side its strongest form, and there are two of them, pointing in opposite directions.
The critics’ case is structural rather than moral. Public Citizen’s objection is not that crypto participates in politics but that the concentration distorts: when a single industry supplies more than a third of all corporate election money, the ordinary pluralism that keeps any one sector from dominating a legislature stops functioning, and legislators facing a nine-figure adversary in their next primary make different choices than legislators facing ordinary lobbying. The insider-adjacent critique is sharper still. The industry is spending to shape the rules governing its own regulation, and the rules in question, market structure, agency jurisdiction, and enforcement authority, determine whether the same companies face securities liability. That is not corruption in any legal sense, and it is exactly the arrangement campaign-finance reformers have described as legalized capture for fifty years.
The industry’s case is that this is what every regulated sector does, and it is not a weak argument. Banking, pharmaceuticals, energy, and telecommunications have all spent decades funding candidates and shaping the statutes that govern them, and crypto arrived to a legal environment in which its participants faced enforcement actions predicated on rules nobody had written for them. Political spending, on this reading, is the industry’s only proportionate response to an existential regulatory posture, and its bipartisan structure, funding Democrats and Republicans by design, is evidence of issue-based rather than partisan intent. Both cases are true simultaneously: this is normal American interest-group politics, and it is happening at a scale and concentration that has few peers in the modern record.
NEW: More than 100 crypto companies, including Coinbase, Ripple, and a16z, are pressing the Senate Banking Committee to move forward with the CLARITY Act, citing risks of jobs moving overseas without US regulatory clarity https://t.co/NFsjGXWGUB pic.twitter.com/OObAR7EP8j
— crypto.news (@cryptodotnews) April 24, 2026 The week the position gets marked Which brings the ledger to the present, where several clocks converge at once.
The market-structure legislation that the entire apparatus exists to pass faces its decisive Senate window before the August recess, with the outcome resting on a small number of Democratic crossover votes and a negotiation whose remaining disputes this publication has covered in detail. Fairshake’s money did not buy those votes and cannot, super PAC spending is prospective leverage over future primaries, not a transaction over a pending bill, but it is unquestionably part of the environment in which those senators are calculating. If the bill passes, the industry’s electoral investment will be credited with having built the conditions for it, and the remaining balance rolls into November with a validated theory. If it fails, roughly $110 million of unspent capacity meets a midterm election in which the industry has both the resources and the stated motive to remove specific legislators from office, and the 2027 Congress becomes the target instead.
Either way, the more interesting question for Ripple specifically is the one the ledger poses and cannot answer: the company has now spent about $4 billion assembling an institutional financial business and about $48 million assembling the political conditions for it, and only one of those investments has a disclosed return. The empire, as this publication’s audit found, is designed to succeed with or without the token. The political spend is designed to make the empire legal. Neither line item is about XRP, which is perhaps the most honest summary available of where Ripple’s actual priorities sit, and the market that still prices the company through its token’s chart is, once again, reading the wrong ledger.
What to watch The FEC filings after the Senate acts. Contribution and expenditure reports covering the coming weeks will show whether the industry accelerates into November or banks the balance. Sharp increases immediately after a legislative outcome, in either direction, would confirm the spending is tightly coupled to the bill rather than to a general political posture.
Deaton’s Massachusetts numbers. The rematch is the strategy’s clearest controlled experiment: the same candidate, the same state, a different seat, and a second round of industry money. A materially closer result would suggest the 2024 ceiling has lifted; a repeat would confirm that Fairshake money buys primaries and not general elections.
Which incumbents draw funded challengers. Watch whether the senators who blocked or slowed the market-structure bill face Fairshake-affiliated primary spending in their next cycles. That is the mechanism by which the 2024 lesson gets re-taught, and it is the most direct measure of whether the industry treats this vote as a scorecard.
The disclosure gap. Independent tallies of crypto political money differ by tens of millions depending on which vehicles are counted, and some contributions surface only in later filings. Any figure quoted before the FEC’s next full disclosure cycle, including the ones in this piece, is provisional, and the revisions are usually upward.
A closing observation about what this spending is not, because the distinction gets lost in the headline numbers. Campaign money is the smaller and more visible half of the industry’s influence apparatus; the larger half is conventional lobbying, trade associations, regulatory comment letters, personnel flowing between agencies and firms, and the technical assistance that shapes statutory language line by line long before any floor vote. Fairshake’s $193 million buys electoral leverage, which is a blunt instrument aimed at composition: who sits in the chamber. The quieter machinery aims at text: what the bill says once the chamber has been settled. Ripple’s participation in both is the reason the acquisition audit and this one belong on the same shelf, since a chartered bank application, a prime brokerage, and a stablecoin all depend on statutory definitions that are drafted in rooms no super PAC advertisement can reach. Judged only by the electoral ledger, the industry’s investment looks enormous and its returns ambiguous. Judged across both channels, the returns are already visible in the shape of the legislation itself, an asset taxonomy the industry helped define, a developer shield it asked for, a grandfather clause that resolves its most valuable assets’ status by statute. The $48 million is the part that files with the Federal Election Commission. It is not the part that writes the law, and the two should never be confused, least of all by anyone trying to estimate what the money actually bought.
Disclaimer: This article is for information and educational purposes only and does not constitute financial, investment, legal, or political advice. Campaign finance figures are drawn from third-party tallies and disclosures that vary by methodology and are revised as filings are published. Nothing here is a recommendation regarding any company, asset, candidate, or political position. Always do your own research. Information is accurate as of July 26, 2026.
Frequently Asked Questions How much has Ripple spent on US politics this cycle? Approximately $48 million across the 2026 cycle by Public Citizen’s accounting, including a $25 million contribution to the Fairshake network disclosed in late 2025, plus about $1 million given directly to Senate candidate John Deaton in Massachusetts. One national tally ranks Ripple second among all corporate political donors this cycle, behind Andreessen Horowitz at roughly $51.65 million.
What is Fairshake? The cryptocurrency industry’s flagship super PAC network, structured as three affiliated entities: Fairshake, which spends across both parties; Protect Progress, focused on Democratic races; and Defend American Jobs, focused on Republican ones. The network entered the 2026 midterm cycle with roughly $193 million in cash, funded primarily by Coinbase, Ripple, and Andreessen Horowitz, and had spent more than $82 million by mid-year.
How does crypto’s spending compare to other industries? It leads all of them. Public Citizen puts crypto election spending near $189 million, about 37% of all corporate political money in the 2026 cycle, against roughly $60 million from artificial intelligence and Big Tech combined and $45.6 million from online gambling. Total corporate election spending reached about $517 million, up 12% from the entire 2024 cycle.
Did this spending work in 2024? In primaries, apparently yes. Fairshake and affiliates spent more than $130 million on media in 2024, and industry-funded advertising was widely credited with defeating incumbent House members Jamaal Bowman and Cori Bush in primaries, outcomes read across Congress as proof the sector could end a career. In general elections the record is worse: the industry’s backing of John Deaton against Elizabeth Warren failed by nearly twenty points.
Why do the ads rarely mention crypto? Because Fairshake’s tactic is to spend on locally salient issues while the crypto position operates as the invisible selection criterion. Advertising in these races typically addresses housing, healthcare, or a candidate’s record, which is more persuasive to primary electorates than digital-asset policy and avoids making the industry itself the subject of the campaign.
Does this money buy votes on pending legislation? Not directly, and the distinction matters legally and analytically. Super PAC spending is independent expenditure aimed at future elections, not payment for legislative action, and coordination with campaigns is prohibited. Its influence is prospective: legislators weigh the possibility of a well-funded primary challenge, which shapes the environment around votes without constituting a transaction over any particular one.
What is the criticism of this level of spending? Public Citizen and similar groups argue the concentration distorts representation: when one industry supplies more than a third of corporate election money, the pluralism that prevents any single sector from dominating legislative outcomes weakens, particularly when the industry is funding the rules governing its own regulation. The industry’s response is that banking, pharmaceuticals, and energy have done the same for decades, and that political participation is a proportionate answer to enforcement-driven regulation.
What happens to the unspent money? Roughly $110 million of the war chest remained unspent at mid-year with the November midterms approaching, and the industry has additional declared capacity, including a newer vehicle claiming a $100 million commitment. If the pending market-structure legislation passes, that balance rolls into November behind a validated strategy; if it fails, the same money meets an election in which the industry has stated its intent to change the composition of Congress. This is educational analysis, not investment or political advice.
XRP is showing renewed signs of strength as market data points to improving buyer confidence and sustainable momentum. Technical analysts have highlighted several factors suggesting that the asset, associated with the Ripple payment protocol, may be preparing for a more robust upward movement.
Technical data points to healthy demandAnalyst Crypto Patel noted that perpetual futures markets are registering positive funding rates, indicating that traders are willing to pay a premium to maintain long positions in XRP. Such funding rates typically reflect bullish sentiment, as investors expect further price appreciation.
Unlike previous speculative phases, Patel observed that current funding levels remain moderate. This suggests that renewed demand is emerging in a more stable manner, supported by actual capital rather than excessive leverage.
XRP’s 30-day Z-Score has also climbed above zero, signaling a shift in momentum after a period of consolidation. A Z-Score in this range indicates that the asset’s price is trading above its recent average and may be entering the early stages of a trend reversal.
Analysts view these signals as evidence that XRP is moving from an accumulation phase to the beginnings of a bullish trend. Another positive sign has been the growth of spot buying activity, reducing reliance on leveraged positions and indicating more genuine market participation.
Mini dictionary: Z-Score, a statistical metric that shows how far a data point is from the mean; in crypto, it can identify when an asset is trading significantly above or below its historical average, helping analysts spot early trend changes.
Support and resistance levels guide outlookMarket analyst Diana highlighted that XRP recently defended the $1.08 support mark, bouncing back within a consolidation range that stretches up to $1.145. According to CoinCodex figures, XRP was trading at $1.11 as buying interest persisted.
The four-hour chart reveals improving structure, with XRP establishing higher lows after recent pullbacks. This pattern often signals that buyers are gradually gaining control at higher price points.
Additionally, the Relative Strength Index (RSI) has climbed to about 48 and crossed its signal line, an indication that bearish momentum is receding. The price has also reclaimed key moving averages, strengthening short-term prospects for buyers.
A series of resistance levels remain in focus. Initial resistance appears from $1.103 to $1.107, with more significant opposition near $1.117. However, market participants are watching the $1.145 barrier, the upper boundary of the current range. Should XRP break past this mark, analysts cite $1.20 and then the $1.29 to $1.30 range as the next targets.
LevelSupport / Resistance$1.08Support$1.103-$1.107First resistance$1.117Dynamic resistance$1.145Major resistance$1.20Target on breakout$1.29-$1.30Next technical targetSpotlight on fundamentals and institutional growthDespite technical optimism, XRP continues to trade below levels some investors regard as fair value given recent advances by Ripple, the company behind XRP. Ripple has made significant regulatory progress, including major wins with authorities, attracted approximately $1 billion in spot ETF inflows, and grown its global payments infrastructure.
At the same time, XRP’s price remains well below its highs from earlier in 2025. This has led some market participants to suggest that positive developments have not yet been fully reflected in the market.
XRP’s transition from leveraged speculation to spot-driven demand is viewed as a more sustainable foundation by analysts, while a successful move above the $1.145 level would reinforce the emerging bullish trend.
Japan’s rapid progress in digital asset regulation and growing partnerships—especially through SBI Ripple Asia—are further supporting XRP’s use in cross-border payment solutions, enhancing its global footprint.
As a result, increasing institutional adoption and broader utility for XRP are expected to eventually influence the asset’s performance, provided current technical trends continue.
For now, traders are closely watching the $1.145 resistance level as the key obstacle for the next phase of upward momentum. Continued support at $1.08 is seen as confirmation that buyers remain in control during this 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.
HomeCryptoMARKETSEverSource Wealth Advisors discloses Bitcoin and XRP holdings.
EverSource Wealth Advisors, a wealth management firm based out of the United States, disclosed in a 13F filing with the U.S. Securities and Exchange Commission (SEC) that it holds exposure to Bitcoin (BTC), XRP, and major crypto companies.
BitcoinWhile most of the company's Bitcoin exposure is held in ETFs, the company also has a stake in the Trump family's Bitcoin mining and treasury company, American Bitcoin (Nasdaq: ABTC).
2X Bitcoin ETF: $763,724ARK 21Shares Bitcoin ETF: $1,723,981Bitwise Bitcoin ETF: $8,047Fidelity Wise Origin Bitcoin fund: $23,426,254Franklin Bitcoin ETF: $1,538Grayscale Bitcoin Mini Trust ETF: $1,298Grayscale Bitcoin Trust ETF: $451,149BlackRock's iShares Bitcoin Trust ETF: $3,079,799BlackRock's iShares Bitcoin Trust ETF: $252,804Osprey Bitcoin Trust: $1,883Proshares Bitcoin ETF: $1,588Proshares Ultra Bitcoin ETF: $463,978VanEck Bitcoin ETF: $16,876Bitwise Bitcoin ETF Trust: $6,052American Bitcoin: $40,866XRPWhile the first two are exchange-traded funds (ETFs) linked to XRP, the Armada Acquisition Corp II is a Ripple-backed Evernorth Holdings’ special purpose acquisition company (SPAC).
Notably, Evernorth is going to merge with Armada Acquisition.
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Franklin XRP ETF: $238ProShares Ultra XRP ETF: $17,646Armada Acquisition Corp II stock: $2,605 Other crypto holdingsWhile Coinbase Global is the largest crypto exchange in the United States, the rest of the stocks EverSource Wealth Advisors holds are Bitcoin miners.
Strategy (Nasdaq: MSTR): $3,797,255Coinbase Global (Nasdaq: COIN): $266,889MARA Holdings (Nasdaq: MARA): $28,766Riot Platforms (Nasdaq: RIOT): $28,119CleanSpark (Nasdaq: CLSK): $30,555Bitdeer Technologies (Nasdaq: BTDR): $4,428Cipher Digital (Nasdaq: CIFR): $53,828Iren Limited (Nasdaq: IREN): $130,056While Bitcoin was exchanging hands at $64,859.89 at the time of writing, XRP was trading at $1.09 at press time.
A recent analysis by wealth-focused YouTube host Kamilah Stevenson indicates that XRP’s largest token holders have been steadily increasing their positions amid a prolonged decline in the token’s price since its July peak. Stevenson highlighted that these major holders accumulated roughly 4.63 billion XRP, valued at about $4.9 billion, during the extended downturn.
Major accumulators increase balances during price weaknessStevenson’s review of on-chain wallet and exchange data suggests that XRP’s large holders, often referred to as “whales,” steadily added to their reserves while smaller investors reduced exposure. Initially, these whales reportedly sold into XRP’s rally, causing their combined balance to drop to around 7.5 billion XRP by mid-August.
As the market continued to retrace, these major holders reversed course, with their cumulative balances climbing to 11.8 billion XRP by December. After stabilizing for three months, accumulation resumed in March.
According to Stevenson, current balances have reached approximately 12.13 billion XRP. She described this activity as a series of purchases throughout the downturn, rather than a single major buy near market highs.
They did not buy the top and hold, but rather accumulated positions as the price weakened, Stevenson said.
She further interprets these inflows as large wallets absorbing supply from mid-sized holders. Wallets controlling between 10 million and 100 million XRP have shown steady accumulation patterns, while those managing between 100,000 and 10 million XRP have predominantly been distributing tokens.
Exchange flow and wallet trends signal reduced selling pressureStevenson also pointed to elevated levels of outflows from Binance, the world’s largest cryptocurrency exchange by trading volume, where the outflow dominance reportedly reached 91.4%. Meanwhile, retail activity across major exchanges slipped roughly 8.4% in the same period.
She stated that around 90.5% of these exchange flows were attributed to large holders withdrawing their coins to self-custody, rather than moving assets onto platforms for sale. This trend suggests a tightening supply available for trading on exchanges.
Currently, more than 332,000 wallets hold at least 10,000 XRP, reflecting broad, established ownership. However, new wallet creation declined to its lowest rate since November 2024, pointing to subdued demand from new market entrants even as existing holders restructured their positions.
Stevenson drew parallels to earlier periods, comparing recent exchange flows and wallet behaviors to episodes ahead of XRP rallies in October 2024 and June 2023. At the same time, she cautioned that historical signals have not always led to immediate price rebounds.
Large holders can be early, so their accumulation does not always guarantee an instant market move, Stevenson noted.
YouTube personality Kamilah Stevenson is known for her in-depth analysis of cryptocurrency wealth trends and frequently shares insights on on-chain activity within the digital asset market.
Mini dictionary: Kamilah Stevenson is a prominent content creator focusing on cryptocurrency trends and wealth strategies, with a large audience on YouTube.
PeriodLarge Holder XRP BalanceKey TrendMid-August 20247.5 billionSold into rallyDecember 202411.8 billionAccumulated during declineMarch 2025Resumed accumulationContinued growth in balanceCurrent12.13 billionStill accumulatingDisclaimer: 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.
An XRP holder lost 400,000 tokens overnight after falling for a phishing email disguised as a routine hardware wallet update, according to an account shared by crypto adviser George Kaltekis.
A Late-Night Call on Easter
That panicked call reportedly came in at 10pm on Easter night, after the theft. Kaltekis said the timing alone signaled something was wrong, since calls at that hour rarely bring good news.
The victim had roughly 400,000 XRP stored on a hardware wallet. While spending the holiday with family, he received an email appearing to come from Ledger, prompting him to update his device. A phishing email disguised as a Ledger update tricked the victim into a mistake, and believing it to be a routine software update, he clicked through and entered his wallet information.
How the Scam Worked
The victim lost 400,000 XRP after clicking a fake software update link at night, unknowingly handing over the credentials attackers needed to drain the wallet. Kaltekis noted that phishing attempts have grown increasingly convincing in recent years, to the point that even people working in cybersecurity professionally have described struggling to distinguish real communications from fake ones.
Not a Total Loss
He still had about 50,000 XRP held safely in a separate insured custody account, funds that remained untouched because that account required additional verification steps before any transaction could be approved, including a callback confirmation and voice verification before funds could move.
A Broader Lesson on Self-Custody
Kaltekis said the story wasn’t meant to discourage self-custody, which he described himself as a strong supporter of. Rather, he said it illustrates that self-custody, while valuable, isn’t inherently foolproof against sophisticated phishing attempts. A single mistake, made under normal circumstances by someone simply checking email, was enough to result in a significant loss.
The account is one of many similar stories circulating within the crypto industry, serving as a reminder for holders of XRP, Bitcoin, and other digital assets to verify unexpected update requests carefully and consider additional safeguards for larger holdings.
Story Ends Here
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XRP is once again nearing a pivotal technical threshold after spending more than eight years below a key resistance. Crypto analyst ChartNerd (known on X as @ChartNerdTA) highlighted XRP’s approach to a third significant retest of a long-term trendline. This particular structure has influenced every major price swing in XRP since 2017 and is now drawing attention from investors and technical traders.
The trendline shaping XRP since 2017ChartNerd’s latest analysis traced XRP’s price movement over more than a decade, emphasizing a descending trendline that has acted as strong resistance since 2017. The digital asset first touched this line during its 2020 rally, revisited it in late 2022, and broke above it in 2024 before pulling back again.
By framing the present move as the third major retest, ChartNerd observed an important technical parallel to XRP’s performance between 2013 and 2017. During that period, four critical contacts with a similar structure preceded a rapid vertical surge in price.
He identified this retracement as “only the 5th instance in history where price has retraced beyond 70%,” suggesting such drawdowns have often presented strong opportunities for long-term holders prepared to navigate volatile conditions.
ChartNerd outlined that XRP typically forms cyclical baselines over several years before sharp upward expansions, and current conditions may signal one of the largest breakouts yet. He currently projects targets at $8 and $13, with a potential Fibonacci extension pointing toward $27 if upward momentum persists.
Analysis from Moon Lambo and technical consensusAnalyst Moon Lambo (@MoonLamboio) also addressed ChartNerd’s outlook in a recent broadcast, explaining the history and logic of the trendline to his audience. He noted that different technical strategies point to similar conclusions about XRP’s price structure and potential breakout zones.
Moon Lambo acknowledged that ChartNerd’s model leaves room for a further move below $1 before any decisive reversal. He urged viewers not to be alarmed by possible lows, stating that markets eventually find their bottom before reversing course. Both analysts agreed that even with temporary declines, the higher timeframe structure remains intact.
Moon Lambo emphasized that investors should not panic if XRP dips below $1, as various analysts believe the fundamental setup is not compromised even in such scenarios.
Building momentum for price discoveryChartNerd described the current market backdrop as one of intense “price discovery pressure.” With 8.5 years beneath a critical resistance, he said XRP is poised for a significant resolution, which could materialize through an accelerated upward move.
The analyst remains cautious about matching the scale of previous bull cycles but considers $8 to $13 reasonable short-to-medium-term objectives if the setup holds. The $27 target is considered less likely yet achievable if momentum carries further.
In addition to monitoring technical signals like contracting triangles and key resistance levels, investors now have increased options for market access and portfolio diversification. 1stepSwap is emerging as a platform that connects traditional finance with blockchain, enabling users to bring real-world assets, including major US equities and commodities like gold and silver, directly onto the blockchain. The platform’s standout functionality lies in its ability to identify the best available market price at any given time, letting users execute trades for top stocks with speed and efficiency—helping investors diversify quickly and without extra intermediaries.
While analysts stress the importance of closely following XRP’s price action at these critical levels, they also highlight both the opportunities and risks associated with such historically significant retracements and retests.
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.
Bitcoin slipped below $65,000 on Monday as traders positioned ahead of Federal Reserve policy decision Wednesday.
Notable Statistics:
Coinglass data shows 118,449 traders were liquidated in the past 24 hours for $437.94 million. SoSoValue data shows net outflows of $240.08 million from spot Bitcoin ETFs on Wednesday. Spot Ethereum ETFs saw net outflows of $70.6 million. In the past 24 hours, top gainers include Pump.fun, LayerZero and Aerodrome Finance. Notable Developments:
Trader Notes:
Technical analyst Lennaert Snyder says Bitcoin’s weekend rally is retracing as expected after rejecting the $65,800 level, leaving liquidity above those highs as a likely future upside target.
He is watching three potential long-entry zones, with the first around $63,500.
The preferred accumulation area remains around $60,000, while $59,000 is viewed as the extreme range low potentially offering the best risk-reward if buyers step in.
Snyder also cautioned traders to account for potential volatility ahead of this week’s FOMC meeting.
Trader KillaXBT argues that today’s calls for $50,000–$40,000 Bitcoin mirror the 2022 market, when many investors waited for $10,000–$12,000 after Bitcoin had already bottomed near $16,000.
He contends that buying at $16,000, $20,000, or even $25,000 all proved profitable, with those willing to enter early ultimately rewarded.
Applying the same logic now, being early may look wrong for a few months. However, he remains confident Bitcoin will exceed $160,000 this cycle and long-term gains will outweigh the timing of the entry.
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Ripple ekosistemi son günlerde hem kurumsal tarafta hem de XRP Ledger ağında dikkat çeken gelişmelere sahne oldu. Şirket, RLUSD stablecoin’i için yeni bir kurumsal platform devreye alırken, ödeme altyapısına yönelik stratejik bir yatırım gerçekleştirdi. Binance’in RLUSD ve XRP kullanıcılarına sunduğu yeni teşvikler ile XRP ETF‘lerine yönelik talebin sürmesi de ekosistemde öne çıkan başlıklar arasında yer aldı.
Buna karşın XRP fiyatı son toparlanmasını korumakta zorlanıyor. Analistler, teknik görünümün hâlâ aşağı yönlü riskler taşıdığına dikkat çekerken yatırımcılar kritik destek ve direnç seviyelerini yakından izliyor.
Ripple RLUSD İçin Kurumsal Platformunu Neden Hayata Geçirdi? Ripple, 23 Temmuz’da Ripple Mint platformunu kullanıma sundu. Yeni platform, kurumsal müşterilere RLUSD basma (mint), geri ödeme (redeem), köprüleme (bridge) ve varlık yönetimini tek bir sistem üzerinden gerçekleştirme imkânı sunuyor.
Şirketler işlemlerini standart arayüz üzerinden yürütebilirken, API ve webhook entegrasyonları sayesinde kendi altyapılarına da bağlanabiliyor. Ripple, bu platformla özellikle ödeme sistemleri, hazine yönetimi ve alım satım operasyonlarında stablecoin kullanımını kolaylaştırmayı hedefliyor.
Ripple’ın Notabene Yatırımı RLUSD İçin Ne Anlama Geliyor? Ripple, regülasyon odaklı ödeme altyapısı sağlayıcısı Notabene’ye stratejik yatırım yaptığını da duyurdu.
İki şirket, RLUSD’yi işletmeler arası stablecoin ödeme platformu Notabene Flow’a entegre etmeyi planlıyor. Açıklamaya göre Notabene ağı, 100’den fazla ülkede faaliyet gösteren 2.300’den fazla finansal kurumu birbirine bağlıyor ve yıllık yaklaşık 2 trilyon dolarlık işlem hacmine aracılık ediyor.
Bu iş birliğiyle Ripple, RLUSD’nin regüle ödeme kuruluşları ve finansal kurumlar tarafından daha geniş ölçekte kullanılmasını hedefliyor.
XRP Ledger’da Yapay Zekâ İşlemleri Neden Rekor Kırdı? XRPL AI Hub verilerine göre XRP Ledger üzerinde yapay zekâ ajanları tarafından gerçekleştirilen işlem sayısı 22 Temmuz itibarıyla 1,4 milyonun üzerine çıktı. Ağda aynı dönemde 129 farklı işletmenin aktif olduğu belirtilirken, bu büyüme Ripple’ın haziran ayında tanıttığı yapay zekâ geliştirme kitinin ardından geldi.
Veriler, geliştiricilerin XRP Ledger’ı makineden makineye ödemeler ve otomatik finansal işlemler gibi kullanım alanlarında test etmeye devam ettiğini gösteriyor.
Binance RLUSD ve XRP Kullanıcılarına Hangi Teşvikleri Sunuyor? Binance, RLUSD kullanıcılarına yönelik yeni ödül programını duyurdu.
Borsaya göre uygun varlıklarda değişken getiri oranı %22,25 seviyesine ulaştı. Binance Earn ve Margin ürünleri üzerinden RLUSD tutan veya kullanan yatırımcılar ise haftalık XRP ödüllerinden yararlanabiliyor.
Ancak borsa, getiri oranlarının piyasa koşulları ve kullanıcı katılımına bağlı olarak değişebileceğini vurguladı.
XRP Fiyatında Hangi Seviyeler Takip Ediliyor? XRP, hafta içinde 1,16 dolar seviyesini test etmesinin ardından yeniden 1,10 dolar civarında işlem görüyor. Böylece son yükseliş hareketinin önemli bölümü geri verilmiş oldu.
Teknik görünümde XRP’nin geniş bir düşüş kanalı içinde hareket etmeyi sürdürdüğü belirtiliyor. Analistlere göre 1,18 dolar seviyesi ilk önemli direnç konumunda bulunuyor. Bu bölgeden gelebilecek olası satış baskısı mevcut düşüş trendinin devam etmesine neden olabilir.
Öte yandan alıcıların daha önce 1,02-1,04 dolar aralığındaki destek bölgesini koruması olumlu bir sinyal olarak değerlendiriliyor. Bu bölgenin kaybedilmesi halinde XRP’nin yeniden 1 doların altını test etme riski gündeme gelebilir. Kısa vadede izlenen en güçlü direnç seviyesi ise 1,28 dolar olarak öne çıkıyor.
Bu içerik genel piyasa verilerine dayanır ve yatırım tavsiyesi değildir. Kendi araştırmanızı yapmanızı öneririz.
Son Dakika kripto para haberleri için hemen tıkla.
Konu ile ilgili yorumlarınızı bize yazabilirsiniz. Ayrıca, bu tarz bilgilendirici içeriklerin devamının gelmesini isterseniz, bizleri Telegram, Youtube ve Twitter kanallarımızdan takip edebilirsiniz.
Flare Networks is preparing for its biggest XRPFi expansion, with the first upgrades expected within weeks. CEO Hugo Philion says the next six months could change how XRP is used in DeFi, potentially bringing up to 5 billion XRP into the ecosystem.
The move comes as the XRP price has been struggling to gain strong price momentum after dropping 72% from its peak.
Flare Plans Major XRPFi ExpansionFlare CEO Hugo Philion announced that the network is starting a six-month integration phase focused on bringing more XRP into programmable finance. He said,
“Starting in the next couple of weeks, the next 6 months are going to be transformative for XRPFi through Flare.
The plan targets a key weakness of the XRP Ledger (XRPL). While the XRP Ledger is already widely used for payments, it was not built for native smart contracts.
Flare aims to add that missing DeFi layer without changing the core XRP Ledger itself.
Starting in the next couple of weeks the next 6 months are going to be transformative for XRPFi through Flare.
— Hugo Philion (@HugoPhilion) July 26, 2026 Flare’s FAssets system is central to this plan. It allows XRP holders to mint FXRP at a 1:1 ratio and use it across DeFi applications such as lending, staking, liquidity pools, and yield products.
5 Billion XRP Could Enter DeFiThe biggest target is the amount of XRP Flare wants to bring into the ecosystem. Philion expects the protocol to eventually attract up to 5 billion XRP, equal to roughly 5% of XRP’s total supply.
If reached, such a large amount moving into DeFi could reduce the amount of XRP sitting on exchanges and give the token more use beyond payments.
Flare’s first phase has already shown strong demand. The company said XRPFi had about $200 million in XRP TVL, more than 3.4 million FXRP DeFi transactions and around 16,500 users.
The Flare dashboard also shows 143.85 million FXRP locked in DeFi, representing about 95.56% of its tracked FXRP supply.
Flare Targets Easier and Private DeFiThe next phase is not only about bringing more XRP into DeFi. Flare is also working on making the process easier for users and institutions.
Through Flare Smart Accounts, XRP holders can access DeFi products from wallets such as Xaman without manually handling cross-chain steps.
Flare is also adding Confidential Compute, which could allow institutions to make large trades or take loans while keeping sensitive details private but still verifiable on-chain.
That makes the 5 billion XRP goal more than a simple supply-locking target. Flare is trying to turn XRP from a payment focused asset into a usable part of the wider DeFi market.
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Key Takeaways XRP gained 1.07% to reach approximately $1.10 amid a broader cryptocurrency market rebound Exchange activity on Binance collapsed from approximately 650,000 to 350,000 transactions, hinting at potential accumulation phase XRP exchange-traded funds maintain $1.49 billion in total inflows despite zero net additions recorded on July 24 Ripple introduced Ripple Mint on July 23, enabling financial institutions to handle RLUSD stablecoin operations Critical price levels under observation: $1.05 floor and $1.15 ceiling XRP maintained a trading range between $1.09 and $1.10 while the cryptocurrency sector experienced renewed strength, pushing the aggregate market capitalization 0.9% higher to $2.21 trillion. Major digital assets including Bitcoin, Ethereum, Solana, and Dogecoin recorded similar upward momentum during this timeframe.
XRP Price The market reversal coincided with strengthening U.S. equity markets as geopolitical concerns subsided and corporate earnings outlook improved. Investor risk appetite expanded across asset classes, providing a tailwind for digital currencies that had experienced recent distribution pressure.
XRP successfully defended a consolidation range spanning $1.06 to $1.09. Demand emerged at this threshold, creating a floor that prevented additional downside. Breaking above $1.10 positions the $1.13–$1.15 resistance zone as the next challenge for bulls.
Should XRP successfully breach $1.15, subsequent upside objectives include $1.24 followed by $1.28. Conversely, failure to maintain $1.08 would bring the $1.05 support level back into focus.
Exchange Transaction Volume Plummets, Pointing to Holder Confidence Binance’s 30-day deposit and withdrawal volume contracted from approximately 650,000 transactions in June to roughly 350,000 currently. This pattern mirrors conditions observed before XRP’s substantial rally in October 2025.
Declining exchange transaction activity typically indicates reduced immediate distribution pressure. This behavior suggests market participants are retaining positions rather than transferring tokens to exchanges for liquidation.
The Network Value to Transactions (NVT) Ratio surged 144.21% within 24 hours, reaching 697.6 as XRP’s valuation expanded more rapidly than blockchain transaction volume. While this reflects increasing investor sentiment, it simultaneously raises considerations about whether valuation is advancing ahead of fundamental network utilization.
Source: CryptoQuant Funding rates increased 52.16% to 0.008685 across the past day. Positive funding indicates traders maintaining long positions are compensating short holders, demonstrating sustained bullish conviction without indicators of dangerous over-leverage.
Technical analyst ChartNerd (@ChartNerdTA) observed that XRP rebounded from ascending trendline support but requires a decisive break above Fibonacci resistance spanning $1.12–$1.13 to advance toward the recent $1.16 local peak. The analyst highlighted the daily 50-period moving average as an influential trend determinant.
$XRP secured a bounce! 👏
Price has reacted positively on ascending support, but there's still plenty of work to do for continuation of the trend toward the local $1.16 high: price must break FIB resistance ($1.12/$1.13)
Confluence with the daily 50 guiding this trend down… https://t.co/3dyDPByXlh pic.twitter.com/O8M0RFphy4
— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) July 26, 2026
Ripple Mint Platform Debuts Alongside Regulatory Progress Ripple unveiled Ripple Mint on July 23, establishing an integrated solution enabling institutional clients to issue, redeem, and oversee RLUSD stablecoins through a unified interface. While the platform enhances Ripple’s institutional stablecoin capabilities, it does not create immediate XRP demand.
Regarding regulatory developments, the U.S. CLARITY Act maintains momentum through Congressional procedures. This legislation, endorsed by prominent institutions such as BlackRock, Charles Schwab, Fidelity, Goldman Sachs, and Grayscale, designated 16 cryptocurrency assets as digital commodities in March 2026. Nevertheless, the implementation timeline remains uncertain as lawmakers face an approaching Senate recess period.
A revised version of the Clarity Act has been released, combining the Senate Banking and Agriculture Committee texts and introducing an ethics provision for the first time, CoinDesk reports.
A motion to proceed is… pic.twitter.com/Vc3TNIHSQD
— Crypto Banter (@crypto_banter) July 27, 2026
XRP exchange-traded funds accumulated $1.49 billion in aggregate inflows, representing total net assets of $997.25 million. Bitwise commands the largest position with $312.85 million in net assets. All five trading funds registered daily contractions ranging from 1.33% to 1.58% on July 24, while recording zero new net capital inflows during that session.
The Relative Strength Index (RSI) registered near 47, positioned beneath the neutral 50 threshold, indicating bearish momentum has diminished though bullish forces have not established dominance. Price action continues consolidating within the $1.05 to $1.15 boundaries.
In major XRP news today, $3.6 billion AUM EverSource Wealth Advisors has disclosed significant holdings in XRP ETFs along with investments in Bitcoin ETFs. The financial advisor also reported stock holdings in Evernorth Holdings’ SPAC, Strategy (MSTR), and other crypto stocks.
EverSource Wealth Advisors Reveals Exposure in XRP ETFs EverSource Wealth Advisors has disclosed exposure in multiple XRP ETFs, according to the latest 13F filing with the US SEC. The firm has joined other tradFi companies exploring crypto ETFs due to rising confidence amid growing regulatory clarity.
EverSource Wealth Advisors holds 1,777 shares of ProShares Ultra XRP ETF. In addition, the firm revealed small holdings in Franklin XRP ETF. The small position likely followed after Wall Street giants such as Bank of America’s XRP ETF exposure.
The financial advisor also disclosed 250 shares held in Ripple-backed Evernorth Holdings’ SPAC Armada Acquisition Corp II (XRPN) stock. The buy comes as Evernorth Holdings moved closer to a merger with Armada Acquisition Corp II, as CoinGape reported earlier.
Moreover, institutional interest in XRP is rising amid RWA tokenization, XRP Ledger (XRPL), and Ripple’s partnerships with Wall Street and global companies. Recently, Ripple launched Ripple Mint to enable institutions to mint, redeem, and manage RLUSD through APIs and web access.
Meanwhile, spot XRP ETFs saw net inflows of $8.15 million last week, according to SoSoValue data. As a result, the cumulative inflows to date have increased to $1.49 billion. Also, total assets under management across five XRP ETFs have reached $1 billion.
Holdings in Bitcoin ETFs, MSTR, Other Crypto Stocks Holding EverSource Wealth Advisors also revealed holdings in multiple spot Bitcoin ETFs including BlackRock Bitcoin ETF (IBIT), Fidelity’s FBTC, Ark 21Shares’ ARKB, Grayscale’s GBTC, and Bitwise’s BITB.
The firm holds 100,108 shares worth over $3.3 million in BlackRock Bitcoin ETF and 88,591 shares in ARKB. These two mark the firm’s largest holdings in spot Bitcoin ETFs.
In addition, EverSource has holdings in Strategy (MSTR), Trump family-backed American Bitcoin Corp (ABTC), Robinhood (HOOD), and other crypto stocks. Notably, the firm has 43,674 shares of MSTR and 16,355 STRK perpetual shares.
As CoinGape reported recently, Farmers & Merchants Investments disclosed XRP ETF, Bitcoin ETFs, and Robinhood holdings. ETF holdings 261 shares of BlackRock Bitcoin ETF and 475 shares of Robinhood Markets, according to the SEC filing.
While institutions purchase traditional shares, on-chain traders can access fractionalized equities directly through the best platforms to trade tokenized stocks.
XRP posted moderate gains and traded near $1.10 as the broader cryptocurrency market climbed, buoyed by renewed strength in U.S. equities and improving investor sentiment. Bitcoin, Ethereum, Solana, and Dogecoin also rallied, contributing to a 0.9% increase in digital asset market capitalization, which reached $2.21 trillion.
Key levels and market dynamicsThroughout the latest session, XRP maintained support between $1.06 and $1.09. This price range acted as a critical floor, providing stability following recent market volatility. Technical traders are now watching for a sustained breakout above $1.10, which would open the path toward resistance in the $1.13 to $1.15 zone.
If bulls push XRP decisively above $1.15, analysts see upside targets at $1.24 and $1.28. However, renewed selling below $1.08 could bring $1.05 support back into focus. The Relative Strength Index settled near 47, suggesting that bearish momentum has eased, but buyers have not yet retaken full control. Prices continue to consolidate within a well-defined range, increasing attention on future direction.
A significant trend emerged on Binance, where exchange deposit and withdrawal volume plunged from about 650,000 transactions in June to around 350,000. This sharp decline in transactional activity resembles patterns observed ahead of XRP’s substantial rally in October 2025. Markets often interpret such drops as a signal that participants are accumulating assets rather than readying to sell, reflecting rising holder confidence.
Investor sentiment and technical outlookFunding rates rose by more than 50% in the past day, with traders holding long positions paying shorts, illustrating ongoing bullish conviction while leverage remains in check. The Network Value to Transactions Ratio (NVT) surged to nearly 700 within 24 hours, indicating that XRP’s market value has outpaced growth in transaction volume. While this can signal optimism among holders, some observers note it may also raise questions about valuation sustainability.
Technical analyst ChartNerd highlighted that XRP rebounded from ascending trendline support and must clear Fibonacci resistance at $1.12 to $1.13 in order to challenge the $1.16 local peak. The daily 50-period moving average also stands out as an important trend marker.
ChartNerd observed XRP’s reaction to ascending support and emphasized that a break above $1.12 to $1.13 would be required for progress toward the $1.16 high, underscoring the importance of technical levels in directing the next move.
As analysts watch these contracting ranges and resistance barriers, many market participants are looking for solutions that expand asset access and streamline portfolio management. One such platform is 1stepSwap, which enables direct exposure to real-world assets on blockchain. Through 1stepSwap, users can hold shares of leading U.S. companies and commodities such as gold or silver in their crypto wallets without intermediaries. The standout feature is its ability to identify optimal market prices at any moment, allowing users to trade top stocks efficiently and diversify confidently.
Institutional moves and regulatory updatesOn July 23, Ripple launched Ripple Mint, a platform designed for financial institutions to issue, redeem, and manage RLUSD stablecoins in a unified environment. While Ripple Mint supports broader stablecoin infrastructure, it does not directly affect XRP demand at this stage.
Regulatory developments also remain in the spotlight. The U.S. CLARITY Act continues its progress through Congress and is backed by major players including BlackRock, Charles Schwab, Fidelity, Goldman Sachs, and Grayscale. In March 2026, legislators designated 16 crypto assets as digital commodities under the bill, but implementation remains pending amid political calendar constraints.
Exchange-traded funds tracking XRP have attracted $1.49 billion in total inflows to date, with Bitwise controlling the largest share at $312.85 million. Despite these inflows, all five active trading funds recorded daily net asset contractions exceeding 1% on July 24 and registered no new capital that day.
Binance’s XRP exchange transaction volume dropped to 350,000, echoing pre-rally conditions last October, while technical charts suggest consolidation ahead of a possible breakout if resistance levels are surpassed.
As the market awaits clarity on regulatory timelines and monitors key price levels, XRP’s recent resilience is fueling anticipation for a potential breakout should accumulation persist and resistance near $1.15 yield.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available.
If a movie were made about the crypto industry, David Schwartz of Ripple would be played by Ian McKellen, best known for his role as Gandalf. At least, that was the verdict delivered by Grok after Ripple's CTO Emeritus jokingly asked the AI which actor would be suitable to portray him in a biographical film about his life.
In the AI-generated concept, the hypothetical biopic received the working title "The Ripple Wizard." Grok said the bearded developer gives off the "energy of a wise wizard," while the creation of the XRP Ledger was described as "decentralized financial magic." The AI even reworked the character's iconic quote: "You shall not pass… without fast and cheap cross-border payments!"
Schwartz replied in the comments that he would have preferred Jeff Daniels, although he admitted that the actor was "already too old."
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The exchange directly echoes the current design of Schwartz's profile page. As the cover image for his account, the developer uses an AI-generated, dramatic synopsis styled as the opening of a Hollywood thriller.
David Schwartz'z header on X with a hypothetical scenario about Ripple movie, Source: XThe text is a direct and ironic reference to Ripple's years-long legal battle with the U.S. Securities and Exchange Commission. Grok's joke about a fantasy version of the creation of XRPL effectively fits the same background.
The parallels with the "wise old man" also match Schwartz's actual position within Ripple. One of the main architects of the XRP Ledger previously stepped down from his operational role as the company's chief technology officer and moved into the strategic position of CTO Emeritus.
The move allowed Schwartz to completely free himself from administrative routines, management responsibilities, and corporate meetings. The developer returned to writing fundamental code and optimizing the network, effectively taking on the role of the ecosystem's chief technical elder.
Just a joke or a subtle teaser?First there was the custom AI-generated screenplay in his profile header, and now there is a discussion with Grok about the potential cast. Recently, Schwartz has made several public references to a possible movie about Ripple.
Most likely, this remains part of the executive's usual geek humor. But could Schwartz be hinting at real negotiations over a documentary or a screen adaptation of Ripple's story?
XRP, kripto para piyasasının en köklü projelerinden biri olmayı sürdürürken, hem ekosistemindeki gelişmeler hem de teknik görünümüyle yatırımcıların yakın takibinde yer alıyor. ABD’de kripto para sektörüne yönelik düzenleyici belirsizliklerin azalması ve Ripple’ın hukuki süreçte önemli ilerleme kaydetmesi, projeye yönelik güveni artıran gelişmeler arasında gösteriliyor. Bununla birlikte analistler, kısa vadede XRP’nin yönü açısından belirli teknik seviyelerin büyük önem taşıdığına dikkat çekiyor.
Ripple Ekosistemine İlgi Devam Ediyor Ripple, küresel ödeme sistemlerini daha hızlı ve düşük maliyetli hale getirmeyi hedefleyen altyapısıyla bankalar ve finans kuruluşlarıyla iş birliklerini genişletmeye devam ediyor. Sınır ötesi para transferlerinde sunduğu çözümler sayesinde XRP, yalnızca bir yatırım aracı değil, gerçek kullanım alanına sahip dijital varlıklar arasında öne çıkıyor. ABD’de kripto para piyasasına yönelik düzenlemelerin daha net bir çerçeveye oturmaya başlaması ve Ripple’ın hukuki süreçte elde ettiği kazanımlar da kurumsal yatırımcıların projeye olan ilgisini destekleyen önemli gelişmeler arasında yer alıyor.
İlginizi Çekebilir: Bu Altcoin İçin Alarm: İflas Haberiyle Fiyatı Çöktü!
Teknik görünüme göre XRP, 1,0670 dolar seviyesini yatay destek olarak korurken kısa vadeli düşüş trendini sürdürüyor. Analistlere göre son satış dalgasını başlatan 1,1215 dolar seviyesinin üzerine çıkılmadığı sürece güçlü bir trend dönüşünden söz etmek zor görünüyor. Bu nedenle XRP’nin söz konusu direnç seviyesinin üzerinde 4 saatlik bir kapanış gerçekleştirememesi halinde fiyatın yeniden 1,0670 dolar desteğini test etme ihtimali bulunuyor.
Destek Seviyesi Yakından İzleniyor Son destek bölgesinden tepki almasına rağmen yeni bir zirve oluşturamayan XRP, teknik açıdan zayıf görünümünü koruyor. Bu durum, 1,0670 dolar desteğinin aşağı yönlü kırılma riskini gündemde tutuyor. Analistler, mevcut piyasa yapısında düşüşü tahmin ederek işlem açmak yerine, olası bir trend dönüşünü teyit edecek teknik sinyallerin beklenmesinin daha sağlıklı bir strateji olacağını ifade ediyor. Ayrıca tüm zamanların en yüksek seviyesinden (ATH) bu yana devam eden düşüş trendi ve ara destek seviyelerinin kaybedilmiş olması nedeniyle, majör destek bölgelerine ulaşılmadan alım yönlü işlemlerde temkinli olunması gerektiği belirtiliyor.
Değerlendirme XRP, güçlü ekosistemi ve artan kurumsal ilgisiyle uzun vadede dikkat çeken projeler arasında yer almaya devam etse de, kısa vadeli teknik görünüm henüz net bir yükseliş sinyali vermiyor. Özellikle 1,1215 dolar seviyesinin aşılması ve bu bölgenin üzerinde kalıcılık sağlanması, yükseliş beklentilerini güçlendirebilir. Buna karşılık 1,0670 dolar desteğinin kaybedilmesi halinde satış baskısının artabileceği ihtimali yatırımcılar tarafından yakından takip ediliyor.
Son dakika kripto para haberleri için hemen tıkla
Konu ile ilgili yorumlarınızı bize yazabilirsiniz. Ayrıca, bu tarz bilgilendirici içeriklerin devamının gelmesini isterseniz, bizleri Telegram, Youtube ve Twitter kanallarımızdan takip edebilirsiniz.
XRP is once again drawing close attention from traders as prominent cryptocurrency analyst Gina highlighted that the digital asset has returned to a critical level within its trading range. Based on her recent post on X, Gina believes that current price action mirrors a key midpoint that defined major market moves in previous years.
Comparison to Previous CyclesGina presented a side-by-side comparison of XRP’s market structures for two different periods: the cycle from 2021 to 2023 and the emerging 2024 to 2026 timeframe. Her analysis focused on the statistical midpoint of XRP’s trading range, where she observed that the price had previously established a significant bottom just before a notable recovery.
The accompanying chart in her X post mapped out this midpoint, showing that both cycles reached 50% of their respective ranges before displaying trend reversals. Gina stated that XRP has now touched this proportional level once more, suggesting a possible repeat of historical price dynamics if the market responds similarly.
Over the 2021–2023 stretch, XRP formed a bottom at 50% of its range, and in the 2024–2026 period, this same level has just been reached again, sparking renewed interest in tracking the asset’s next move.
The chart also outlined a hypothetical scenario in which XRP forms a fresh bottom, stabilizes, and then rallies toward previous highs. While this projection is based on technical patterns rather than definite signals, Gina argued that this midpoint warrants close monitoring as a potential trigger for new market momentum.
Market Attention Versus UtilityGina placed special focus on the role of investor sentiment and market attention, rather than utility-driven use cases, as the main factor driving XRP’s performance. She explained that, in her view, XRP does not need to serve as the backbone for global banking transactions in order to attract positive price movements.
Instead, she emphasized that shifts in market sentiment and increased monitoring of technical levels could lead to renewed activity and upward moves for the asset. Gina concluded that reaching this proportional price level may signal an opportunity for participants if prior patterns hold true.
Gina asserted that XRP does not require mass banking adoption to perform competitively; she sees increased attention and focus from the crypto market as sufficient to influence its price movement at pivotal levels.
The analysis received positive responses from several X users, who expressed hope for a rebound in XRP’s price. One user shared a desire for the asset to recover and surpass the level at which they bought in last year, reflecting ongoing optimism among holders looking to break even.
Another participant responded with strong enthusiasm, suggesting that a new bull run for XRP may be on the horizon. Such comments capture rising confidence within sections of the XRP community, despite ongoing uncertainty about the asset’s immediate trajectory.
With attention fixed on technical midpoints and historical cycles, some traders are looking to platforms that streamline access to diversified assets. In this context, solutions like 1stepSwap have gained traction, as they transfer real-world assets directly onto the blockchain. By offering users the ability to access shares of major US companies or commodities such as gold and silver straight from their crypto wallets—always at the best market price and without intermediaries—these platforms enable fast and efficient diversification, aligning with market participants’ desire to react quickly to evolving trading setups.
Whether XRP will repeat past recovery patterns at the 50% range midpoint remains uncertain. Market observers appear poised to watch closely as the current trading structure continues to unfold over the coming weeks.
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 price rose 0.69% to $1.11 as regulatory optimism and broader market gains supported demand. The global crypto market climbed 1.45% to $2.23 trillion, while Bitcoin reclaimed $65,000.
The Senate is now under review to pass the CLARITY Act by investors. A potential vote in the week of August 3 might influence the future trend of XRP in the short term and broader institutional trust in crypto markets within the global market.
Senate Unveils Unified CLARITY Act Draft Ahead of Possible August 3 Vote A revised proposal was issued by senators, combining ideas of the Banking and Agriculture committees. This is the first document that comes with an ethics provision. A motion to commence formal consideration can be received on Monday or Tuesday. Senate leaders could then schedule a floor vote during the week of August 3.
The bill aims at providing more transparent oversight guidelines to digital assets and other participants of the market. The advancement would enhance regulatory consistency among exchanges, issuers and investors and institutions in the United States.
A revised version of the Clarity Act has been released, combining the Senate Banking and Agriculture Committee texts and introducing an ethics provision for the first time, CoinDesk reports.
A motion to proceed is… pic.twitter.com/Vc3TNIHSQD
— Crypto Banter (@crypto_banter) July 27, 2026
XRP is also vulnerable to the legislative cycle since more transparent regulations can facilitate broader institutional involvement. Any delays or retracted agreements would undermine new ground.
Crypto Market Gains as Bitcoin Price Reclaims $65,000 The crypto market also improved as investors embraced regulatory developments and reduced tensions. Bitcoin price moved above $65,000 after its fourth consecutive weekly gain.
The United States and Iran paused attacks for a second day, pushing oil prices down 5%. Ethereum price ended at over $1,960 and XRP price at close to $1.10. The momentum indicators indicated a slight positive bias in assets.
Markets focused on the Federal Reserve’s July 29 decision. CME FedWatch assigned a 36.3% chance of a rate increase. The future action of XRP can be based on the Senate development, the stability of Bitcoin, and the information given by the Fed.
Source: CME data XRP Open Interest Reaches $2.43B as Derivatives Trading Accelerates XRP derivatives market showed increased trading volume with a total volume of 18.32% increasing to $1.28 billion. Open interest grew by 0.68% to become 2.43 billion, with a slight rise in active futures positions.
Options trading posted the largest percentage gain, climbing 96.23% to $2.90 million. Options open interest also advanced 3.45% to $67.88 million during the reporting period.
Source: Coinglass data Futures trading was still prevalent as the total open interest was much higher than the options market value. The figures indicated an increase in trading in XRP derivatives, but the volume increased at a rate higher than open interest.
XRP Price Prediction: Will a Break Above $1.12 Send XRP to $1.15? The XRP price has soared to $1.11 following the support level of $1.09 defended by the buyers in the recent four-hour session.
The Relative Strength Index was close to 50.85 which indicated balanced momentum with no overbought. Meanwhile, the MACD histogram changed to positive after the MACD line crossed the signal line.
The XRP price was trading close to $1.107, and it was above the critical level of $1.10 as it rebounded following the July 25 fall. Price action is currently under direct pressure at $1.12 that declined on numerous recovery efforts.
Tradingview A four-hour close higher than confirmed above $1.12 may kick off the move to the stronger $1.15 resistance area. The subsequent buying momentum can now focus on $1.16, to which the sellers just halted the last surge.
But the inability to hold onto $1.10 will leave XRP vulnerable to a fresh decline to $1.09 and 1.08. Further downward movement can put the area of support at $1.06 at the forefront.
