Track market-moving stories before they get noisy

XRP is garnering renewed attention among large financial institutions as settlement infrastructure becomes a growing focus in the shift toward tokenized assets. In a recent YouTube episode, Crypto Sensei argued that XRP may gain further significance as banks, custodians, and asset managers continue expanding their operations in crypto and tokenization. The speaker identified settlement—rather than trading—as the primary use case emerging across the institutional landscape.

Industry giants explore Ripple networksCrypto Sensei referenced a Bitwise institutional activity chart, reportedly dated June 30, 2026, which suggests that approximately 79% of the largest financial firms have some connection to Ripple or XRP. This category includes direct partnerships, custodial services, pilot programs, and exposure to XRP-related products. While the exact nature of involvement varies, the trend reveals a growing interest in building settlement infrastructure for tokenized funds, deposits, and securities.

The YouTube discussion singled out BNY Mellon, the world’s largest custodian bank, as a prominent player in this shift. According to the host, BNY Mellon became the primary custodian for Ripple’s RLUSD stablecoin in July 2025. The bank also reportedly provides custody for the Bitwise XRP exchange-traded fund (ETF) and other spot crypto ETFs. BNY Mellon is said to oversee $53 trillion in assets under management, underscoring the scale of institutions now engaging with crypto settlement platforms.

Crypto Sensei also pointed to a 2026 pilot initiative that included Ripple, JPMorgan, Mastercard, and Ondo Finance. The project reportedly used the XRP Ledger, leveraging existing bank payment rails to test the redemption of tokenized US Treasuries. The speaker described the XRP Ledger as acting as a “neutral settlement fabric” for tokenized assets and digital forms of bank money.

Mini dictionary: RLUSD, the Ripple-issued stablecoin pegged to the US Dollar, is designed for institutional and cross-border settlement, aiming to facilitate efficient crypto asset transfers within regulated frameworks.

Innovations in settlement and custodyAnother video segment presented evidence of ongoing settlement activity involving Mastercard, JPMorgan, and Ondo Finance on the XRP Ledger. The discussion highlighted RLUSD’s $1.6 billion market capitalization, with the stablecoin’s trading infrastructure and exchange support described as broadly established. The analysis suggested that attention is now turning to unlocking longer-term applications and network utility.

Among these innovations, confidential transfer features are cited as enabling encrypted balances and transaction amounts while retaining supply control mechanisms and selective audit functionality. The delegation of permissions, another emerging capability, allows institutions to grant narrowly tailored operational rights to third parties without sharing main wallet keys.

Broader institutional contextThe video also touched on the Depository Trust & Clearing Corporation (DTCC), an important clearinghouse for US financial markets, referencing its inclusion of XRP in educational material about crypto collateral haircuts. The host emphasized that this move was not an endorsement or operational acceptance of XRP as collateral, but rather a step toward considering the asset in institutional risk management scenarios.

This focus on infrastructure, risk management, and settlement-use cases signals wider momentum for digital assets among major global banks and service providers.

Crypto Sensei highlighted BNY Mellon’s adoption of RLUSD custody and the use of the XRP Ledger by leading institutions for tokenized asset settlement, describing these moves as significant progress toward mainstream institutional participation in crypto infrastructure.

InstitutionXRP InvolvementRole DescriptionBNY MellonRLUSD primary custody, ETF custodyCustodian for Ripple stablecoin and ETFsJPMorganPilot programTested tokenized US Treasuries on XRP LedgerMastercardPilot program, settlementCollaborated on tokenized settlement pilotsOndo FinancePilot programInvolved in settlement trials using XRP LedgerDisclaimer: 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-backed XRP Ledger’s newest software update is starting to roll out as The number of validators upgrading to v3.2.0 is increasing. According to the recent XRPL Explorer data, 66% of the trusted validators are running the release. The migration progresses while the network is getting ready for the amendment, called fixCleanup3_2_0.

XRP Ledger v3.2.0 Sees Increasing Validator Support As per the upgrade tracker, there are now 99 validators running v3.2.0. This is 66% of the validator set. It also reveals 481 nodes (57.33%) are running the latest version. However, there is still significant use of older software. Version 3.1.3 is still on 42 validators, representing 28% of the total. It also has 322 nodes that are powered, representing 38.38% of all 825 nodes.

The XRP Ledger has a very critical amendment process. They must be supported by over 80% of the trusted validators. That support should not change during 2 consecutive weeks. The new statistics indicate the network is still short of that. To reach the threshold, another 25 percentage points of additional adoption are needed for v3.2.0.

XRP Ledger version 3.2.0 includes a number of technical enhancements as it covers infrastructure improvements. It is also packed with fixes and developer enhancements. There is one major change via XLS-0095.

The proposal officially changes the name of the server software from rippled to xrpld. The rollout started on June 15. The configuration paths need to be updated for validators and node operators. They also need to update deployment scripts, metadata references, and database directories.

About The Fix Amendment The fixCleanup3_2_0 amendment has already passed the necessary voting level. Currently, it has 85.71% validator support. For this, 30 validators cast their votes in favor while six validators voted against.

The proposed plan is now in the required two-week activation process. The activation period will be July 29, 2026, at 09:57 UTC. It will continue as long as support remains above 80% for the entire countdown.

The node operators are advised to upgrade their nodes before activation as per XRPL validator Vet. The mod is an enhancement to the existing features, rather than new additions. Resolves some accuracy and rounding problems in Single Asset Vaults and Lending Protocol. It also fixes problems related to the Permissioned DEX and Permissioned Domains.

Allen Konevsky, Chairman and Chief Executive of tZERO Group, one of only two firms to hold a special purpose broker-dealer licence from the US Securities and Exchange Commission, has said he has a long-term bias toward tokens that function as infrastructure ingredients rather than stores of value, singling out XRP and Ether as assets better suited to the future of tokenized capital markets than Bitcoin.

Bitcoin Versus XRP Question

Asked directly to choose between Bitcoin and XRP, Konevsky said the question is one he gets in various forms regularly, and that his answer consistently comes back to the same underlying principle.

“I have a long-term bias for native tokens that support infrastructure needs, that can be used as oil, as ingredients to build tool sets on,” he said. “Bitcoin historically has not shown itself to be that.”

His argument is that assets like XRP or Ether carry structural advantages for market participants building financial infrastructure because they are functional components of the systems they power. Bitcoin, by contrast, has established itself primarily as a monetary asset and store of value rather than an operational ingredient in financial architecture.

Konevsky acknowledged the answer would generate pushback, noting he expected considerable criticism, but maintained that for the specific context of building tokenized market structure, the distinction matters significantly.

AI and Blockchain as Complementary Forces

Konevsky described artificial intelligence and blockchain as complementary rather than competing technologies, and said the machine-to-machine economy emerging from AI will act as a forcing function for the tokenization of financial assets and records.

The logic is that as AI agents conduct autonomous transactions at scale, the need for efficient, programmable value transfer between those agents will create structural demand for tokenized assets and the infrastructure supporting them.

Real Estate as the Most Underrated Tokenization Opportunity

Asked to name the most underrated asset class for tokenization, Konevsky pointed to real estate without hesitation. Despite years of discussion, real estate tokenization has not achieved meaningful scale, and he attributed the shortfall largely to regulatory complexity around the securitization process for single-asset properties.

He said tZERO has discussed with the SEC the need to simplify the process of fractionalizing and tokenizing individual real estate assets, arguing that lowering those barriers would create the kind of user experience that would drive real adoption.

Regulatory Change He Would Make

Konevsky said his priority regulatory change would be to push further down the path of breaking down silos among regulated entities, a principle he said is built into the structure of the CLARITY Act.

“There is no reason why a regulated broker-dealer should not be allowed to do more with crypto,” he said.

tZERO holds a significant head start in that area, having been one of two firms to receive the special purpose broker-dealer designation that allows it to custody and accept crypto assets including stablecoins as part of the securities settlement process. But Konevsky argued that even that framework remains too restrictive, and that broker-dealers should be permitted to offer crypto directly as an investment product to clients with appropriate guardrails rather than operating within the current siloed structure.

Story Ends Here

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The cryptocurrency market experienced significant volatility in July, with Bitcoin dipping below $60,000 amid rising geopolitical tensions and wider selloffs in digital assets and technology stocks.

XRP faces renewed volatilityRipple’s XRP struggled to maintain support at the $1 mark entering July, declining from approximately $1.30 at the start of June to a low of $1.04, marking its lowest point since late 2024. At present, XRP trades near $1.09, reflecting persistent pressure in the broader market.

Ripple is a San Francisco-based technology company best known for its payment protocol and digital currency XRP, designed to facilitate fast and affordable cross-border transactions.

Against this backdrop, ChatGPT, the AI chatbot developed by OpenAI, was tasked with providing a probability-weighted prediction for where XRP might trade on August 1, 2026.

Probability-weighted price scenarios for 2026ChatGPT expects XRP to fluctuate in a broad range between $0.90 and $2.20 by August 1, 2026, depending on how market dynamics evolve. Pressed to select a single value, the AI model settled on a price of $1.34, modestly higher than current levels but still far from a major upward breakout.

For its base case, ChatGPT estimated a 60% probability that XRP will trade between $1.20 and $1.45, assuming no major changes in market sentiment or regulatory landscape. Multiple industry forecasting platforms anticipate XRP to range from $1.15 to $1.25 at the end of July.

In a more bullish scenario, which ChatGPT assigned a 25% chance, the price could rise to a range between $1.60 and $2.20. The factors supporting this outcome include substantial progress on the U.S. CLARITY Act, increased institutional adoption via RippleNet, higher Bitcoin prices, and the return of positive inflows into XRP-focused exchange-traded products.

XRP exchange-traded funds (ETFs) have seen eight straight weeks of inflows recently. A renewed uptick in ETF inflows, combined with XRP closing above $1.20 or progress toward a Senate vote on the CLARITY Act, could provide additional upward momentum.

The most bearish scenario, which ChatGPT placed at a 15% likelihood, envisions XRP trading from $0.90 to $1.10 if the market undergoes a wider downturn, legislative action stalls, or Bitcoin breaches key support levels. Market observers describe $1 as an important threshold for XRP, warning that a fall below this level could trigger further losses down to $0.80.

Mini dictionary: The U.S. CLARITY Act is proposed legislation aimed at distinguishing cryptocurrencies as either securities or commodities, providing clearer regulatory guidelines for digital assets in the United States.

ScenarioProbabilityPrice RangeBase case60%$1.20 – $1.45Bullish25%$1.60 – $2.20Bearish15%$0.90 – $1.10Prospects for a return to $3As for a move back to the $3 mark, ChatGPT projected the odds at under 10% by August 2026, saying such a surge would require the combined effects of favorable U.S. crypto regulation, strong institutional interest, and a sharp recovery across the sector. Despite keeping the $3 price target open for the whole of 2026, ChatGPT emphasized that this level would demand a full-fledged market rally rather than a single short-term trigger.

The $3 target for XRP is considered possible in 2026, but would depend on sweeping changes in regulation and a robust market uptrend, according to ChatGPT.

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.

Table of contents

XRP’s 4% rally on Tuesday brought the token back into focus for technical traders, but the move did little to resolve a larger structural question hanging over the chart. The token briefly tested short-term resistance levels yet remains stuck below a heavy supply zone that has capped upside for weeks. The price action underscores a high-stakes battle between bulls attempting to confirm a multi-week triangle breakout and sellers defending a critical $1.24–$1.28 price band, as detailed in the original report.

The chart pattern in question is a descending triangle that has compressed XRP’s price into a narrower range since mid-June. A decisive break above the upper trendline would typically signal a bullish reversal with measured move targets in the $1.35 area. But such textbook setups often fail when confronted with on-chart supply zones where previous sellers aggressively entered the market. The $1.24–$1.28 region represents one of those zones—an area where XRP previously topped out before succumbing to distribution.

The Triangle That Refuses to Confirm For traders who track geometric patterns, the descending triangle forming on the four-hour and daily timeframes is hard to ignore. Lower highs have been pressing against a horizontal support floor near $1.10, building energy for a potential expansion. Tuesday’s 4% push pierced the upper boundary intraday, but the daily close lacked conviction. Without a full-bodied candle above the $1.24 level, the breakout remains unconfirmed. Many algorithmic and momentum-driven strategies will likely wait for a second consecutive close above the zone before reallocating capital.

Volume profiles also paint a cautious picture. Spot buying has been steady but not explosive, suggesting that the move is driven more by short-term speculators than by long-duration accumulation. This leaves the triangle breakout susceptible to a false move—a whipsaw that could trap late longs before a correction back into the $1.10–$1.15 range. The pattern’s credibility hinges entirely on how price behaves if and when it reaches the supply zone again.

The $1.24–$1.28 Supply Zone: A Make-or-Break Level Supply zones are not just abstract resistance lines; they represent real liquidity where institutional traders, market makers, and swing traders placed prior sell orders. XRP’s current supply cluster formed after a sharp rejection in early July, when the token failed to hold above $1.25 for more than a few hours. Each subsequent rally toward the zone has met with selling pressure, reinforcing its significance. A clean breach above $1.28 on strong volume would flip that level into support and likely trigger a rapid push toward $1.35—an area that aligns with the triangle’s measured move and previous price pivots from May.

However, the path is not straightforward. The 50-day moving average sits near $1.23 and has acted as dynamic resistance for the past two weeks. Traders looking for confirmation will want to see XRP clear both the moving average and the $1.28 ceiling in a single swing. Failure to do so could extend the consolidation phase and shift downside risks toward the $1.05 support, where the bottom of the triangle converges. That would put the bulls on the defensive and delay any meaningful recovery narrative.

Regulatory Clouds and External Noise XRP’s technical setup is unfolding against a backdrop of unresolved regulatory tension. While the 2023 federal court ruling that XRP is not a security in secondary market sales provided legal clarity, the SEC’s appeal process continues to inject uncertainty into institutional adoption decisions. Market participants are also watching broader legislative developments; a major crypto bill is currently facing last-minute resistance from the banking lobby just days before a Senate vote, as covered in recent reporting. Any bill that establishes a clear federal framework for digital assets could directly influence XRP’s classification, cross-border payment utility, and exchange listings—factors that feed into long-term valuation models.

Altcoin momentum has been uneven this week, but pockets of strength have emerged. Several tokens with low-cap profiles registered double-digit gains, as highlighted in this week’s top gainers list. XRP’s 4% move, while modest by comparison, stands out because it comes from a high-market-cap asset with tighter liquidity and a more mature holder base. Meanwhile, blockchain developer activity metrics, a measure of ecosystem health, show that established chains are still dominating, according to the latest developer activity report. XRP Ledger’s developer count has remained relatively stable, but a lack of explosive on-chain growth could limit upside catalysts beyond pure price speculation.

What to Watch Next The immediate story is simple: XRP must reclaim $1.28 and hold it. The triangle breakout narrative will either validate itself or dissolve into another failed pattern, and the next few daily closes will be decisive. Traders who entered early in the rally might take partial profits near the supply zone, adding to the selling pressure that has historically defined this region. Outside the chart, any unexpected ruling or SEC filing could override the technical setup entirely, reminding market participants that XRP’s price path rarely follows pure chart logic.

For now, the $1.24–$1.28 band remains the line in the sand. A convincing breach would attract momentum chasers and force short-sellers to cover, potentially accelerating a move toward $1.35. A rejection, on the other hand, would likely see the token revisit the lower end of the triangle near $1.05, giving bears a fresh opportunity to test resolve. The market is watching.

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Freelance writer and crypto enthusiast with a focus on Web3, delivering clear and engaging articles. Known for his well-researched articles and insightful analysis, Shayan covers a broad range of topics including market trends, blockchain technology, decentralized finance (DeFi), and emerging crypto projects. His writing aims to educate both beginners and experts, providing clear, engaging content that helps readers stay informed about the fast-evolving crypto space. Shayan's expertise and dedication make him a trusted voice in the blockchain community.

Why Did Ripple’s Co-Creator Sell XRP at 10 Cents? David Schwartz Answers

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TL;DR

Bitcoin's quantum discount hit a record 30% as Core developers resist freezing dormant addresses and Galaxy Digital launches a $5 million Quantum Readiness programXRP's 30-day MVRV turned positive, but the token still faces resistance at $1.146 and a bigger trend barrier at $1.416A new whale moved $2.76 million in SHIB off Coinbase to a fresh wallet, the second major withdrawal this week as the token consolidates near multi-month lowsBitcoin ETFs posted $727 million in net inflows over five days even as Bitcoin Knots developers and Michael Saylor clash over the BIP-110 proposalThursday's US jobless claims data is the next volatility catalyst ahead of the Federal Reserve's meeting later this month30% for fear: Why Bitcoin is trading at a quantum discountBitcoin's quantum discount has reached 30% for the first time in history, according to fresh data from the Capriole Investments model. With the current market price at $65,472, investors are pricing in an unprecedented risk discount: fundamentally, the asset is valued at almost twice as much, but uncertainty surrounding Q-Day continues to drag the price lower.

The discount continues to deepen, as it stood at 28% at the beginning of the summer.

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Capriole founder Charles Edwards added fuelby publicly taking aim at Bitcoin Core developers and directly asking whether they planned to do anything about the issue.

Bitcoin price chart to USD with discount factor, Source: Charles Edwards via XThe technical deadlock is that Google Quantum AI confirmed this spring that algorithms capable of breaking the secp256k1 curve, which underpins Bitcoin's security, are accelerating. To implement post-quantum protection, Core developers would have to forcibly freeze old "dormant" addresses, including Satoshi Nakamoto's one million coins — a step they are not prepared to take.

While Grayscale considers the panic premature, Citi analysts are warning about a "harvest now, decrypt later" strategy: hackers are already copying mempool traffic in order to crack it retroactively. Against the backdrop of Ethereum's migration to new signature schemes, Core's technological hesitation is costing the market exactly 30% in unrealized value.

While developers delay, businesses are taking the initiative. Galaxy Digital has launched a $5 million Quantum Readiness program to fund grants aimed at protecting the network from Shor's algorithm. Market momentum is building: Coinbase advisers are demanding an immediate code migration, while Project Eleven analysts predict that machines capable of threatening modern cryptography could emerge as early as 2030–2033.

XRP exits the "fear zone": Traders are profitable again, but the chart remains tenseInvestors who accumulated XRP over the past month have finally moved out of the red. According to Santiment analysts, the 30-day MVRV indicator for XRP and other major altcoins, including ETH, ADA and LINK, has crossed above zero, meaning that short-term wallets are now showing a small profit.

The turning point came after Bitcoin's comeback to $65,000. The market was supported by softer US inflation data and fresh inflows into crypto ETFs, which noticeably revived buyers, while the "Fear Buy Zone" of relatively safe bottom buying was left behind.

The rebound is real, but since traders are no longer sitting on losses, they now have a natural incentive to take profits. Any sign of the market cooling could trigger a rapid wave of selling.

Top cap 30-day MVRV comparison, Source: Santiment and SanbaseOn the daily chart, XRP is currently trading near $1.1331, up around 3.5% since the beginning of the week. The price found local support slightly above the psychological $1.00 level and is attempting to develop a full-fledged rebound.

Meanwhile, the Relative Strength Index has settled in neutral territory at 55, confirming that panic selling has stopped and buyers have gained some room to maneuver.

However, it is still too early to celebrate a global reversal, as the asset has now run into resistance at the short-term moving average near $1.1459. The main challenge for bulls remains the heavy long-term trend level around $1.4159.

Only a decisive breakout above this level would prove that XRP has finally broken the downtrend and is ready for significant growth.

Why are new whales vacuuming up SHIB at the local bottom?While retail traders are bored by the summer flat market, major players are quietly vacuuming up supply. According to Arkham Intelligence, Coinbase Prime has recorded a series of large Shiba Inu withdrawals to newly created wallets with no previous transaction history.

The main event was the transfer of 645.928 billion SHIB, worth around $2.76 million, to the address "0xd017dBe7C45".

This is already the second major purchase in a week. Just yesterday, another unknown whale withdrew 162.43 billion SHIB, worth approximately $672,000, from the same platform.

Why are they doing this? Moving tokens to private wallets removes them from exchange order books and reduces the available supply.

History of transactions of '0xd017dBe7C45' with Shiba Inu (SHIB) coin, Source: Arkham IntelligenceThe SHIB chart clearly shows that large capital is carefully buying the local bottom. After a prolonged decline from the May highs, the price found firm support in the $0.00000412–$0.00000423 range, where a bullish RSI signal formed.

The asset is currently trapped in a narrow corridor and trading at $0.00000428. However, the moving average at $0.00000450 is limiting the price from above, while the global downtrend, shown by the red line, remains much higher at around $0.00000594.

Major players are clearly using this prolonged consolidation and reset RSI to accumulate without drawing attention before a potential breakout from Shiba Inu's multi-month decline.

Crypto market outlook: Bitcoin ETFs stage a $727 million comeback while Saylor fights for codeThe crypto market appears to have found a local bottom. Spot Bitcoin ETFs snapped a steep outflow streak, pulling in around $727 million in net inflows over the past five days.

Institutional investors are adding fresh capital while a dispute over the BIP-110 upgrade splits Bitcoin's developer community. Bitcoin itself is holding in the $65,700–$67,200 range after US funds absorbed $227 million on July 20 alone.

Total Bitcoin Spot ETF Net Inflow over the last 30 days, Source: SoSoValueKey checkpoints:

ETFs are back in the game: After a prolonged period of capital outflows, Bitcoin funds delivered a five-day inflow streak of $727 million, their best result in almost three months. Ether ETFs added another $38 million on the same day, pointing to fading seller pressure.Bitcoin is holding its ground: The leading cryptocurrency is locked in a narrow range between $65,700 and $67,200. A breakout above resistance would open the way toward local highs, while a drop below support would put the market under pressure.BIP-110 splits developers: Bitcoin Knots developers, whose software runs around 23% of nodes, want to limit OP_RETURN to 83 bytes to cut spam transactions, NFT inscriptions and shitcoins off the network. Michael Saylor has publicly opposed the upgrade, calling it censorship and "monetary purity imposed from above." Opponents counter that market fees, not code restrictions, should regulate network use.Macroeconomic trigger: The main volatility catalyst this week arrives Thursday, July 23, when the US releases initial jobless claims data. The reading will shape rate expectations ahead of the Federal Reserve's meeting later this month. You Might Also Like

In the US, spot ETFs have been launched for many altcoins, following Bitcoin and Ethereum.

These altcoins include XRP, Solana, and HYPE, while an ETF application has also been filed for a very surprising altcoin.

In this context, crypto asset management company Grayscale has filed an application with the SEC to launch the first Worldcoin ETF in the US.

If the application is approved, the fund will be the first ETF to offer direct investment in WLD on US markets.

According to the S-1 filing submitted to the SEC, the Grayscale Worldcoin ETF will hold WLD directly. If approved, the fund is planned to be listed on the Nasdaq Exchange under the ticker symbol “GWLD”.

Thus, investors will be able to gain exposure to Worldcoin through a regulated investment product without having to directly buy or hold the WLD token.

The application states that the fund will follow a passive investment strategy, not using derivatives or leverage, and that custody services will be provided by BitGo Bank & Trust.

The announcement of an ETF application for WLD has stirred the market and its price. Following the news, the WLD price rose by approximately 4-5% during the day, and investors began closely monitoring the approval process.

Experts say that a potential approval could accelerate Worldcoin’s adoption by institutional investors.

With this application, the total number of cryptocurrency ETFs managed by Grayscale has risen to 18. Previously, they had ETFs for assets such as Bitcoin (BTC), XRP, Solana (SOL), Ethereum (ETH), Dogecoin (DOGE), and Chainlink (LINK).

*This is not investment advice.

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Leading cryptocurrency analyst Ali Martinez anticipated on Monday a “decisive breakout” for XRP (CRYPTO: XRP) if the token successfully surpasses a key resistance level.

Where Is XRP Headed?Martinez posted an animated video showing XRP’s consolidation inside a symmetrical triangle on the hourly timeframe

XRP has been consolidating around the $1.09–$1.11 range throughout July. The video suggested that a breach of $1.13 could open the door for a potential rally toward $1.30.

“A decisive breakout above it could confirm the bullish breakout and open the door for further upside,” Matinez added.

Notably, Martinez flagged a “Buy” signal for XRP last week, around $1.109. Since then, the token is up 3.3%.

The Signals That MatterThe Moving Average Convergence Divergence indicator, which compares two exponential moving averages of an asset’s price, also flashed a "Buy" reading for XRP, according to TradingView.

The Bull Bear Power indicator, which measures the strength of buyers and sellers, remained “Neutral,” and so did the Relative Strength Index, which hovered just above 50.

Meanwhile, open interest in XRP futures has risen by over 6% in a week, according to Coinglass, indicating high speculative interest. This, complemented by a 5.58% increase in spot price over the same period, validated the bullish trend.

Smart money sentiment, which refers to the collective outlook  and capital allocation of institutional investors, turned “bullish.”

Price Action: At the time of writing, XRP was exchanging hands at $1.13, up 3.72% in the last 24 hours, according to data from Benzinga Pro.

Photo Courtesy: Mehaniq on Shutterstock.com

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Ripple Executive Explain Why XRPL Was Built for Speed From Day One     

The broader cryptocurrency market shows early signs of a bullish recovery, with Bitcoin (BTC) rising above $65,000 on Tuesday, amid improving retail sentiment. Top altcoins, including Ripple (XRP) and Cardano (ADA), are gaining bullish momentum, while Dogecoin (DOGE) continues to consolidate, holding above a crucial support zone.

Ripple regains bullish momentumXRP remains below both the 50-day and 200-day Exponential Moving Averages (EMAs) at $1.1456 and $1.4678, respectively, keeping the pair in a capped, mildly bearish near-term structure. A decisive close above the 50-day EMA at $1.1456 could ease the current downside bias, ahead of a more substantial barrier at the $1.2543 to $1.2700 supply zone.

Momentum, however, is more constructive than price action suggests, with the Moving Average Convergence Divergence (MACD) and its signal line maintaining an upward trend, suggesting a bullish profile. Meanwhile, the Relative Strength Index (RSI) around 53 points to steady, non-overbought conditions that could support further recovery.

XRP/USDT daily price chart.On the downside, the recent reaction low zone just below the $1.0000 psychological support becomes the next area to watch, as a decisive move below it would likely invite renewed selling pressure.

Cardano extends gains toward its 50-day EMACardano holds above $0.1700 at press time on Tuesday, extending the previous day's gains. However, the altcoin remains below both the 50-day EMA at $0.1772 and the 200-day EMA at $0.2882, which keeps the broader tone bearish.

The MACD rises above its signal line after a minor consolidation, rebuilding a positive histogram profile, while the RSI at 53 hints at modest recovery momentum, yet the pair remains capped by the nearby 50-day EMA overhead.

Looking up, if ADA clears above $0.1772, the potential breakout rally could target the support-turned-resistance level at $0.2205.

ADA/USDT daily price chart.Looking down, the key structural floor is the horizontal support at $0.1486, which marks the initial bearish target if selling pressure resumes.

Dogecoin consolidates near key support levelDogecoin maintains a bearish near‑term bias as it stays below the 50‑day EMA at $0.0798 and the 200‑day EMA at $0.1040. The meme coin is consolidating just above the $0.0700 handle after failing to hold the prior horizontal resistance at $0.0777.

The RSI at 39 hints at subdued but stabilizing downside momentum, and the MACD line hovering slightly above its signal line suggests modest bullish attempts within an overall capped structure.

Immediate resistance appears at $0.0777, followed by the 50‑day EMA at $0.0798; only a sustained break above these levels would ease selling pressure and expose the next key barrier at $0.0879.

DOGE/USDT daily price chart.Initial support is seen at $0.0700, where a daily close would likely extend the bearish phase toward $0.0642.

(The technical analysis of this story was written with the help of an AI tool. Know more.)

Ripple CTO Emeritus David Schwartz has admitted that he regrets selling some of his early cryptocurrency holdings, including XRP at $0.10 and Ethereum at around $1. 

He says his decision was driven mainly by his aversion to risk, which he "really, really" hates. 

"Obviously, I wish I hadn't done those things," Schwartz replied.

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The Ripple veteran explained that the sales were part of an agreement he had made with his wife to gradually reduce exposure whenever his holdings reached new all-time highs.

“But I agreed with my wife to sell at every new ATH and I really, really hate risk,” Schwartz said. “I wish I was more comfortable with risk, but I'm just not that person.”

Unlikely price predictions Schwartz previously revealed that he sold his Ethereum because he viewed extreme price predictions as unlikely

Addressing criticism over the early sale, Schwartz said that his decision was based on probability rather than a lack of belief in crypto’s long-term potential.

“If I had thought there was a 1% chance of it hitting $2,368, I would not have sold it for $1.05,” Schwartz previously stated.

Ripple veteran no longer holds much XRPDespite once owning a significant amount of XRP, Schwartz has said that he has largely reduced his cryptocurrency exposure and "does not have much left anymore."

In April, Schwartz revealed that most of his remaining crypto holdings had been sold.

"I don't have that much left anymore," Schwartz said. "I've tried to get most of my assets (other than Ripple stock) away from crypto exposure."

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He explained that his preference for lower volatility outweighed the possibility of future crypto gains.

The Ripple executive acknowledged that his decision could cause him to miss out on potentially historic returns but said he was comfortable with the tradeoff.

“I fully recognize that crypto may be a once-in-a-generation chance to get rich that we have not missed yet and that may mean that I miss a lot of it,” Schwartz said. 

Schwartz's early XRP position in the token was substantial. At the peak, he held approximately 26 million XRP.

"Me? At my peak holding, I had about 26 million XRP," Schwartz said.

He also explained that his early crypto strategy involved moving into XRP and Ethereum after selling Bitcoin.

He added that his personality played a major role in his approach. The Ripple veteran has repeatedly said that maintaining peace of mind is more important than attempting to capture every possible market gain.

"I don't really feel my wins and my losses really sting. I still have more risk left than I'm comfortable with. But, obviously, I can't really complain,” he said. 

David Schwartz, CTO Emeritus of Ripple, stated that he significantly reduced his XRP and Ethereum holdings over the years, citing a strong dislike of risk as the primary motivation behind his decision. Ripple, a San Francisco-based fintech company known for its blockchain-based payments network and the XRP cryptocurrency, has been at the center of major developments in the digital asset sector. Schwartz, recognized as a key technical architect of the company, revealed that his approach led him to miss out on substantial gains during crypto market surges.

Reducing Holdings Amid Market HighsSchwartz explained that a personal agreement with his wife required him to sell a portion of his cryptocurrency holdings each time they reached a new all-time high. This strategy, aimed at gradually lowering risk, led him to part ways with significant amounts of XRP and Ethereum during periods of price appreciation. He admitted to selling XRP at $0.10 and Ethereum at around $1, far below the peaks these assets later achieved.

Schwartz emphasized his deep aversion to volatility and risk, noting that emotional well-being influenced his financial decisions more than the possibility of outsized returns. He said that he is not comfortable taking large risks, even if it means stepping back from potential “once-in-a-generation” opportunities.

“I wish I was more comfortable with risk, but I’m just not that person. I agreed with my wife to sell at every new all-time high and I really, really hate risk,” Schwartz reflected.

According to Schwartz, maintaining financial and emotional stability took priority over maximizing wealth, even though his decisions sometimes resulted in missed profits.

Defending Probabilistic SellingFacing criticism over selling major digital assets too early, Schwartz clarified that his approach was rooted in probability and self-awareness rather than a lack of belief in the future of cryptocurrencies. He said that, for him, the high valuations projected by some in the community appeared too far-fetched to justify holding long term at higher risk levels.

If he believed there was even a 1% chance that Ethereum could reach $2,368, he would not have sold at $1.05, Schwartz explained in previous remarks.

In April, Schwartz reported that he had sold most of his remaining cryptocurrency holdings, preferring to keep the bulk of his wealth away from the volatility of digital assets. At his peak, he held approximately 26 million XRP, a stake that has been substantially reduced over time.

He also disclosed that, after liquidating his Bitcoin positions, he moved into XRP and Ethereum, but gradually converted much of his portfolio back into more stable holdings. As of his latest public statement, Schwartz holds only a small amount of crypto aside from his Ripple stock.

Looking back, Schwartz said he has accepted the possibility that he may forgo life-changing gains, but prefers the peace of mind from avoiding extreme volatility. For him, a measured approach outweighs the allure of chasing unpredictable returns.

Mini dictionary: Ripple is a technology company specializing in real-time gross settlement systems, currency exchange, and remittance networks, utilizing distributed ledger technology. XRP is its associated cryptocurrency, used for facilitating cross-border payments and liquidity.

AssetSchwartz’s Sale PricePeak Price (Historical)Peak HoldingsXRP$0.10$3.8426 millionEthereum (ETH)$1$4,878UndisclosedDisclaimer: 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) and Stellar (XLM) trade within tight ranges on Tuesday as traders await the next directional move. XRP’s technical indicators suggest bearish momentum is fading, while XLM continues to consolidate near a critical support zone. Mixed derivatives metrics highlight growing market indecision, raising the likelihood of a volatile breakout in either direction in the coming days.

Derivatives positioning shows mixed biasDerivatives data shows mixed sentiment. CoinGlass’ long-to-short ratio for both XRP and XLM reads 0.88 and 0.81, respectively, on Tuesday. 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: CoinglassMeanwhile, the funding rates show a positive bias for both altcoins. XRP funding rates flipped positive on July 14 and continue to remain in bullish territory, reading 0.0081% on Tuesday. Similarly, for XLM, the metrics turned positive on Monday, reaching 0.0068% on Tuesday. These positive rates indicate that longs are paying shorts and project bullish sentiment.

XRP funding rate chart. Source: Coinglass

XLM funding rates chart. Source: CoinglassOn-chain data shows mixed sentimentCryptoQuant’s summary data shows mixed bias. XRP’s spot and futures markets show large whale orders with neutral conditions in other metrics, supporting a potential recovery.

However, XLM shows selling-side dominance in both markets with large whale orders, hinting at cautious sentiment among traders and capping any potential recovery.

XRP summary data. Source: CryptoQuant

XLM summary data. Source: CryptoQuantXRP technical outlook: Fading bearish strengthXRP price trades at $1.11 on Tuesday after a slight recovery in the previous day. However, XRP is holding below the short-, medium- and long-term Exponential Moving Averages (EMAs), which keeps the near-term bias capped despite improving momentum. The 50-day EMA at $1.14 and the 23.6% Fibonacci retracement at $1.13 sit just overhead as immediate resistance, while a mid-range Relative Strength Index (RSI) around 51 and a positive Moving Average Convergence Divergence (MACD) histogram hint that selling pressure is easing rather than reversing.

On the topside, initial resistance is clustered between the 23.6% Fibonacci retracement at $1.13 and the 50-day EMA at $1.14, followed by a broader structural band around the 38.2% Fibonacci retracement at $1.21 and the 100-day EMA at $1.23. Higher up, the 50% retracement level at $1.27 and the horizontal barrier at $1.28 precede deeper retracement resistance at $1.34, marking a more distant ceiling. 

On the downside, immediate support is defined by the psychological horizontal floor at $1.00, where buyers would be expected to defend the broader bullish cycle.

XLM technical outlook: Consolidates around key support zonesXLM price trades at $0.187 on Tuesday, consolidating below the key 50-day and 100-day EMAs around $0.187, keeping the near-term bias bearish despite a slight improvement in momentum. Price is marginally above the 100-day EMA at $0.187, hinting at tentative underlying support, while the RSI is near 47 and a mildly positive MACD reading suggests consolidative rather than impulsive selling pressure at current levels.

On the topside, immediate resistance is seen at the 50-day EMA at $0.189, followed by the 200-day EMA at $0.196 and the 61.8% Fibonacci retracement at $0.200.

On the downside, initial support comes from the 100-day EMA at $0.187, ahead of the horizontal floor at $0.177 and the 78.6% Fibonacci retracement at $0.173, with a deeper cushion only at the $0.142 horizontal level if bearish pressure resumes.

(The technical analysis of this story was written with the help of an AI tool. Know more.)

The crypto market overview for Monday shows cautious stability as Bitcoin price remains above $64,000. Ethereum price holds near $1,882, while XRP price struggles below the $1.10 resistance level.

Pi Network leads the market with a 15% jump. Pump.fun also extends its rebound. Traders are watching geopolitical tensions and the Federal Reserve meeting scheduled for July 28 and July 29 later this month.

Crypto Market Stabilizes as Bitcoin Holds Above $64k Level The wider crypto market is still pegged at around $2.2 trillion, which is indicative of minimal activity in the digital assets.

The Crypto Fear and Greed Index of CoinMarketCap is 34, indicating a cautious attitude even after recent recoveries. Bitcoin price traded around $64,927 on Monday after gaining 1.45% during the previous seven days.

Source: CMC data The leading cryptocurrency is testing a bullish breakout near the $64,200 support zone. A sustained hold above $64,200 could help buyers challenge the $65,000 resistance level as per the detailed Bitcoin price analysis.

Nevertheless, a decisive drop below that level might push the Bitcoin further down, and leave it vulnerable to $60,000.

The renewed military tensions between the United States and Iran further raised market uncertainty. Investors will pay attention to the Federal Reserve meeting on July 28 and July 29.

The rate decision of the central bank may affect the liquidity expectations, risk appetite, and prices of the cryptocurrencies in the various markets.

Ethereum Price Consolidates Near $1,882 While XRP Faces Pressure Ethereum price was trading at $1,882 on Monday following a 4% increase over the past week. The ETH continues moving sideways between support near $1,820 and resistance at $1,940.

The breakout of above $1,940 may reinforce momentum and motivate buyers to seek new levels. Conversely, a drop below $1,820 may expose Ethereum to further selling pressure during the week.

Source: Tradingview XRP price is also in the weak position, and its upside has been repeatedly limited below the resistance level of $1.10. Its technical structure is weakening with the token approaching major support at $1.00.

Any recovery above $1.10 would be required to boost sentiment and rekindle short-term momentum.

Pi Network Extends Rally Ahead of Protocol v25 Upgrade Pi Network price gained more than 15% on Monday, extending its rebound for a fourth consecutive session.

The rally followed a 207% increase in daily trading volume to $40.47 million. That steep growth implies a new speculative buzz and increased purchasing dynamics around the PI token.

Pi Network’s Protocol v25 is bringing several Improvements@PiCoreTeam schedules its Protocol v25 upgrade for July 22 to optimize network stability and enhance smart contract efficiency across its global ecosystem.

The rollout introduces privacy-preserving smart contract… pic.twitter.com/Ynm1y1tadU

— BSCN (@BSCNews) July 16, 2026

Investors are preparing for the Protocol v25 upgrade, due July 22. The update will replace older Protocol v19 standards with newer features designed to improve network performance.

Pump.fun Rebounds 20% as PUMP Climbs to Two-Month High Pump.fun traded near $0.0020 on Monday after gaining 20% during the previous session. The PUMP token has gained over 35% in the last one week, which favors the positive short-term perspective.

Its price soared to a two-month high when crypto trader Ansem announced the new position in the token. The rally started on Sunday when PUMP rose by about $0.0016 to $0.0019.

A viral meme coin as well as more attention was paid to the Solana launchpad and enhanced platform activity.

Trader 0xbf73 made a 10x long trade on $1.53 million worth of 764.14 million PUMP, which was funded by $115,000 worth of SOL purchased by Ansem (@blknoiz06).

After Ansem(@blknoiz06) bought $PUMP with 1,500 $SOL($115K), trader 0xbf73 opened a 10x long on 764.14M $PUMP($1.53M).

Liquidation price: $0.0016194https://t.co/kQBbjROxl5https://t.co/80ApOhJZBQ pic.twitter.com/Q5gJLf675G

— Lookonchain (@lookonchain) July 20, 2026

Nevertheless, additional returns might be pegged on the fact that Bitcoin is not going to drop and wider risk appetite is going to increase in the crypto markets.

RippleXity, a well-known commentator in the cryptocurrency community, has asserted that a potential XRP “repricing” event could trigger the largest wealth transfer of the current generation. The statement, which generated significant engagement, invited followers to consider whether they are prepared for a major shift in the digital asset’s valuation.

XRP price projection sparks debateOn its X (formerly Twitter) account, RippleXity presented a video projecting XRP’s possible price movement from $1.37 to over $10,000, underscoring the scale of appreciation the group envisions. The post did not specify a timeframe or clarify which developments might propel the token to such levels. Instead, RippleXity’s approach highlighted a long-term outlook and called for community perspectives on the future trajectory of XRP.

“We believe XRP repricing will be the biggest wealth transfer of our generation. Are you positioned?” RippleXity wrote, as the video depicted dramatic possible gains for the digital asset.

RippleXity is an online personality known for sharing bullish views on the future of XRP, the cryptocurrency developed by Ripple Labs to facilitate cross-border transactions.

Community divided on potential and terminologyRippleXity’s post attracted a wide spectrum of responses, ranging from enthusiastic agreement to cautious skepticism. Some community members echoed confidence in XRP’s potential for substantial long-term growth, while others challenged both the plausibility of such price predictions and the use of the term “repricing” in this context.

LedgerLegend, a long-time observer in the community, noted that similar predictions have circulated for more than a decade. The user highlighted the persistence of ambitious forecasts despite XRP’s historical volatility and extended periods of relative price stability.

Karen questioned the assumption that widespread use of the XRP Ledger’s payment infrastructure by banks would directly boost demand for XRP itself. She suggested that the adoption of the technology alone may not translate into significantly higher token prices unless clear mechanisms emerge that require financial institutions to hold substantial XRP reserves.

Another user, Brick196, shared personal frustrations, stating that after 18 months in the cryptocurrency market, mounting losses had caused them to consider exiting their position if an opportunity to break even arose.

Several users also debated whether “repricing” was an appropriate term for potential sudden shifts in crypto asset values. They pointed out that repricing events in traditional finance usually follow regulatory or structural market changes, while cryptocurrency valuations can be influenced by a broader and often more speculative range of factors.

Despite these concerns, some respondents remained optimistic, suggesting that while significant gains for XRP may be possible over time, investors should temper their expectations and approach the market with patience and caution. Multiple community members emphasized the importance of long-term planning and taking profits during bullish periods.

Community-driven projects remain in focusThe discussion surrounding XRP also reflects the broader influence of online communities on cryptocurrency narratives. Beyond established digital assets, newer projects are attempting to build momentum by combining recognizable internet culture with community-led development models.

APEPEPE is a community-focused, next-generation meme coin project that combines the energy of “ape” and Pepe, two powerful symbols of internet culture. Aiming to build a strong, long-term digital community, the project has a fixed supply of 1 trillion tokens, with 39% of the total supply allocated to the token sale and 25% to liquidity. The $APEPE token, currently in its presale, can be purchased using ETH, USDT, or USDC via MetaMask, Trust Wallet, and other EVM-compatible wallets.

Outlook highlights ongoing optimism and skepticismRippleXity’s remarks underline the divide between bullish XRP advocates and those who remain skeptical of extraordinary price projections. While supporters continue to speculate about future surges—sometimes invoking targets widely regarded as unrealistic—many investors stressed the need for clear use cases and market drivers that could realistically fuel such appreciation.

Others called attention to the cyclical nature of digital asset markets, warning that even assets with promising long-term potential may face extended periods of consolidation or decline. The conversation reflects a broader willingness within the XRP community to engage with both optimism and critical debate regarding the token’s future outlook.

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.

As more cryptocurrency investors opt for self-custody solutions, questions have emerged about the extent of government authority over personal digital wallets. Web3 consultant and investor Jake Claver has addressed whether US authorities can freeze XRP stored in cold wallets controlled by individuals.

Wallet visibility and asset controlJake Claver explained that while blockchain technology allows authorities to track transactions and, in some cases, link a wallet address to its owner, this level of visibility does not equate to direct control over digital assets inside self-custody wallets. Law enforcement can monitor activity associated with particular blockchain addresses if there is enough evidence to establish ownership, but this does not enable them to freeze the XRP itself.

Claver highlighted the distinction between monitoring blockchain activity and actually restricting access to or movement of assets. He noted that the XRP Ledger, which supports the XRP cryptocurrency, has features enabling participants to reject transactions from certain sources using blacklisting capabilities. However, these mechanisms do not grant the power to seize or freeze someone else’s XRP without the owner’s authorization.

While investigators can link blockchain activity to specific individuals, this transparency does not provide the technical means to freeze assets held in self-custody wallets, according to Claver.

He acknowledged that authorities could potentially gain access to a wallet by obtaining its private keys, which would enable them to control the contents. However, he emphasized that such scenarios are rare and depend largely on how securely the private keys are stored by the asset owner.

Mini dictionary: XRP Ledger, an open-source decentralized public blockchain that supports transactions and asset issuance, is the underlying technology behind the XRP cryptocurrency.

Impact of custody models on securityClaver compared different custodial solutions that offer varying degrees of security for digital assets. He referenced Anchorage, a digital asset platform offering multi-signature custody, where algorithmically generated keys and multiple approvers are required for any transaction. This setup reduces the risk that a single party could lose or compromise custody of the assets.

He also mentioned Tangem cards, physical wallets that rely on near-field communication (NFC) for access, suggesting they pose different considerations compared to hardware wallets like Ledger, which have distinct security features and usage protocols.

Claver pointed out that custody providers operating within the United States are subject to US legal jurisdiction, which may potentially expose users to different government actions compared to utilizing custody services in other countries.

Custody SolutionKey ManagementLegal JurisdictionSecurity FeaturesAnchorageMulti-signature, algorithmicUnited StatesMultiple approvals requiredTangem CardNFC, physical cardVariesPhysical access requiredLedgerHardware wallet, seed phraseVariesPIN/security chipAdditional safeguards for concerned investorsClaver stated that most XRP holders who comply with laws and pay taxes do not need to worry about their assets being frozen in self-custody wallets. For those seeking greater security, he suggested considering institutional-grade custody solutions or establishing trusts with signatories in jurisdictions outside the United States, such as the Cook Islands.

He indicated that although these approaches offer added protection, they are generally unnecessary for the typical investor. Claver’s main advice is that individuals who follow legal guidelines are unlikely to encounter such concerns, while advanced custody options remain available for those seeking additional layers of asset security.

Anyone wanting more robust protections can consider multi-signature custody or offshore trust structures, though such steps are usually only needed for large or sensitive holdings, Claver said.

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

The XRP Ledger (XRPL) is experiencing rapid growth in tokenized real-world assets (RWAs), with tokenized U.S. Treasuries driving much of this expansion. Verified data from Trensik, a platform specializing in monitoring real-world assets on XRPL, shows that the value of tokenized U.S. Treasuries rose sharply from $50 million in April 2025 to $418.5 million by April 2026, marking an eightfold increase in twelve months. Such growth highlights increasing institutional interest in regulated, blockchain-based financial options.

Institutional activity surges on XRPLBeyond just the issuance of these assets, on-chain activity involving tokenized U.S. Treasuries on the XRP Ledger has also intensified. In the last four months, transfer volumes reached $352.3 million, a figure that nearly matches the entire market’s on-chain value. For comparison, all of 2025 saw only $70.1 million in transfer volume for these tokenized securities, making the recent surge a fivefold jump in a much shorter time frame.

This uptick in activity indicates that tokenized Treasuries on XRPL are being put to practical use. Financial institutions increasingly employ these assets for collateral, liquidity management, and real-time settlement, moving beyond simple digital versions of traditional securities. This trend reflects their growing role as foundational components of blockchain-based financial infrastructure.

Recent analysis attributes the increase in transfer volumes to expanding usage by institutions rather than just heightened speculative interest, underlining XRPL’s evolving role in the crypto market.

Over the past four months, tokenized U.S. Treasuries generated $352.3 million in transfer volume on XRPL, nearly matching the market’s total on-chain value and pointing to growing real-world adoption among financial institutions.

Mini dictionary: Trensik, a data platform that monitors and verifies real-world asset (RWA) activity, provides on-chain analytics on tokenized asset issuance and transfer metrics across the XRP Ledger.

PeriodTokenized Treasuries IssuedTransfer VolumeApril 2025$50 million—April 2026$418.5 million$352.3 million (last 4 months)2025 (full year)—$70.1 millionMajor institutions boost XRPL presenceInstitutions such as Ondo Finance, OpenEden, Guggenheim, and Archax have launched or signaled plans for tokenized Treasury projects on XRPL. Their involvement suggests growing confidence in the ledger’s ability to support regulated, high-volume financial operations.

London-based Archax, an FCA-authorized digital asset exchange and custodian, stands out among these firms. Archax has committed to tokenizing up to $1 billion in real-world assets on the XRP Ledger by mid-2026. This figure is more than twice the current size of XRPL’s tokenized Treasury market, highlighting considerable institutional expectations for future growth.

Other asset categories on XRPL are also showing signs of growth. Tokenized Gold (traded as XAUa) recently surpassed $1 million in trading volume. At the same time, XRPL’s network has expanded to accommodate more than 8 million accounts, reflecting broader ecosystem adoption.

Large investors and whale wallets have also increased their holdings, accumulating over 70 million XRP in recent months. This trend may suggest expanding optimism about the network’s future among major market participants.

Institutional momentum is building as Archax and others tap the XRP Ledger’s infrastructure to launch sizable tokenization projects, paving the way for further growth in both asset diversity and network activity.

As the global financial sector moves further toward tokenization, the XRP Ledger is positioning itself as a growing hub for regulated real-world assets. With rapid expansion in both the issuance and utilization of tokenized Treasuries, as well as significant commitments from institutional players, XRPL appears to be transitioning from a traditional payments system into a key platform for on-chain financial products.

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 Prime has been selected as a finalist in four categories at the Hedge Week US Awards 2026, a move CEO Mike Higgins called a significant milestone for the prime brokerage. Higgins highlighted the achievement in a recent social media post, expressing gratitude to clients and partners, and noted that community voting to determine the winners is now underway.

Award Nominations and CompetitorsRipple Prime is in the running for ‘Prime Broker of the Year’ honors in several key categories: Client Service, Specialist Markets, Start-up & Emerging Managers, and Technology. For the Specialist Markets segment, it is competing alongside Interactive Brokers and Mirae Asset Securities (USA). In the Start-up & Emerging Managers and Technology categories, competitors include Jones Trading and AGP Prime, among others.

Higgins emphasized the importance of community participation in the voting process, indicating that further progress depends on client and industry support.

Ripple Prime, previously known as Hidden Road, was acquired by Ripple in April 2025. The firm is recognized as one of the largest non-bank prime brokers worldwide, reportedly clearing more than $3 trillion in trading volume each year across a client base that exceeds 300 institutional participants.

Mini dictionary: Prime broker – A financial services firm that offers professional trading, custody, financing, and clearing services, mainly to institutional clients such as hedge funds.

CategoryRipple Prime CompetitorsSpecialist MarketsInteractive Brokers, Mirae Asset Securities (USA)Start-up & Emerging ManagersJones Trading, AGP PrimeTechnologyJones Trading, AGP PrimeGrowth After Ripple AcquisitionAt a quarterly webinar hosted by Token Relations, Higgins reported that Ripple Prime’s revenue has more than tripled since its acquisition by Ripple. He attributed this rapid growth to new and existing clients expanding their business through the platform.

Higgins identified several drivers for this performance, including the introduction of Ripple’s RLUSD stablecoin, which enables round-the-clock collateral movement, a horizontal clearing infrastructure, and cross-margining solutions across various asset classes. According to Higgins, these innovations have allowed clients to reduce margin requirements on certain trades from $12.5 million to about $1 million.

Revenue has more than tripled since the acquisition, with new products and infrastructure attracting institutional clients and enabling more efficient margin requirements.

Strategic Partnerships and Market ExpansionRipple Prime expanded its offering in the second quarter by integrating with EDX Markets, Coinbase Derivatives, Hyperliquid, and Bullish. The firm also secured a $200 million debt facility from Neuberger Berman, positioning it for further institutional growth.

Higgins noted the diversification of Ripple Prime’s client base, pointing to an increase in hedge funds, asset managers, pension funds, and endowments, in addition to crypto-native trading firms. He credited this shift to growing regulatory certainty, supported by the GENIUS Act and the anticipated CLARITY Act.

Mini dictionary: GENIUS Act – Proposed US legislation aimed at establishing clearer regulatory frameworks for digital asset markets. The CLARITY Act is also awaiting legislative approval to further clarify oversight in the crypto sector.

New integrations and a substantial debt facility have enabled Ripple Prime to serve a broader range of institutional clients, with regulatory clarity driving further interest.

Future PrioritiesShort-term plans include adding new types of collateral, such as tokenized money market funds, and developing a “Delta One” equities business. Looking ahead, Higgins stated that the firm’s long-term strategy focuses on promoting industry standardization in prime brokerage and digital asset clearing services.

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 Exec Says Company Is Leading Wall Street 2.0

XRP, the digital asset powering Ripple’s payment network, has seen analysts turn their attention to its long-term technical structure amidst a prolonged period of sideways price action and subdued market sentiment.

Analysts draw parallels between XRP and Amazon’s historic breakoutDespite pulling back to near $1.10 after peaking at $3.65 one year ago, several market experts maintain that XRP could be preparing for its next significant move. Leading technical analyst ChartNerd describes XRP’s price action as mirroring Amazon’s multi-year accumulation phase before its landmark breakout.

Both assets, according to ChartNerd, spent years consolidating beneath major resistance levels while forming a series of higher lows. This so-called accumulation pattern is commonly viewed by technical traders as a potential precursor to strong, sustained rallies if momentum returns.

History is likely to repeat itself here; the eventual breakout, not the past period of consolidation, will define what comes next for XRP, ChartNerd explained, describing the current price zone as part of an ongoing market cycle rather than a sign of fundamental weakness.

ChartNerd noted that repeated price pullbacks in recent months have typically been met with renewed buying interest, indicating that accumulators remain active in the market. The analyst suggested this resilience could set the stage for a decisive move if resistance zones are eventually cleared.

Mini dictionary: Ripple is a blockchain-based digital payment network and protocol that utilizes its native token, XRP, to facilitate real-time international money transfers for financial institutions.

RSI approaches key level as traders watch for reversal signalReinforcing the bullish outlook, crypto analyst EGRAG CRYPTO pointed to the Relative Strength Index (RSI), a widely used momentum indicator, as XRP’s next potential catalyst. The 40-day RSI currently hovers around 42.7, slightly below the crucial 44 threshold.

EGRAG CRYPTO explained that if XRP reclaims this 44 level and sees the indicator advance toward 47, followed by a retest of 44 as support, it could signal a shift toward renewed upward momentum. A sustained move above 47, and eventually above 50 and 52.85, would likely confirm that XRP is emerging from its consolidation period into a broader expansion phase.

Should the RSI reclaim these critical levels and buyers push through overhead resistance, traders may see confirmation that XRP is entering a new bullish cycle.

Currently, XRP is trading within a narrowing symmetrical triangle, a technical pattern known for periods of contracting volatility followed by sharp directional moves as the range is resolved. Buyers have managed to defend a sequence of higher lows, while sellers remain active at lower highs, compressing price action toward the triangle’s apex.

LevelSignificanceCurrent RSI Position44Key resistance/possible supportBelow (42.7)47Bullish confirmationNot yet reached50Further strengtheningNot yet reached52.85Strong bullish signalNot yet reachedOutlook tied to breakout as resistance levels hold firmWith both ChartNerd and EGRAG CRYPTO in agreement that XRP’s broader technical setup remains constructive, market participants appear focused on whether key resistance zones and momentum triggers can be reclaimed in the near future.

If these technical milestones are achieved, analysts believe XRP could challenge, and possibly surpass, its previous cycle highs established one year ago. For now, the market’s next significant move hinges on whether buyers or sellers prevail as XRP’s consolidation pattern approaches a resolution.

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] whales accumulated an additional 70 million tokens, AMBCrypto reported on July 16. Top traders on the biggest centralized exchange by trading volume, Binance, were overwhelmingly positioned long.

The long/short ratio was at 3.44, but the altcoin has not been able to breach the $1.20 local supply zone.

Clues from the XRP derivatives about the next price move Source: CryptoQuant Crypto analyst PelinayPA noted that the funding rates for XRP remained close to zero. Long and short liquidations were more or less equally balanced. Neither bulls nor bears have a decisive advantage in the market right now.

The neutral funding and evenly distributed liquidations suggested that a major squeeze was not expected anytime soon. Powerful squeezes of either long or short positions are usually driven by market participants crowding one side of the trade.

The analyst concluded that the market was balanced and indecisive. A catalyst, such as a Bitcoin [BTC] impulse price move, could help XRP set its next trend.

Source: CoinGlass The 3-month liquidation map showed that the cumulative short liquidation leverage was considerably higher. As noted earlier, the $1.20 supply zone is the biggest short-term obstacle to XRP bulls.

A $102.2 million cumulative leverage has built up to $1.202, CoinGlass data showed. By comparison, cumulative long leverage stood at $61.17 million, down to the $1.02 level.

This setup suggests XRP could be drawn toward overhead liquidity before any broader directional move develops.

XRP price prediction- Wait to sell Source: XRP/USDT on TradingView The 4-hour swing structure was bearish. A descending wedge pattern [green] was established, and a bullish breakout from this pattern has ensued. Yet, the $1.18-$1.23 resistance zone is likely to halt bullish efforts.

As things stand, XRP needs an H4 session close above $1.29 to flip this timeframe’s swing structure bullishly. Until then, the XRP price prediction would maintain a bearish bias. Traders can use a test of the $1.18-$1.23 area to sell.

Final Summary The derivatives data showed that a major XRP squeeze in either direction was not likely soon, based on the relatively even positioning among bulls and bears. The price chart showed a bearish structure in place, and a move toward the $1.20 supply zone would be for selling.

Ripple Prime is strengthening its lead in institutional digital asset services as financial markets move toward what company leaders describe as “Wall Street 2.0.” The firm, a subsidiary of Ripple Labs, aims to advance the adoption of blockchain solutions for institutional finance amid persistent market volatility.

Institutional growth despite crypto winterDespite ongoing weakness in the broader cryptocurrency market, Ripple Prime is witnessing accelerating institutional demand for blockchain infrastructure. Michael Higgins, international chief executive of Ripple Prime, highlighted this dynamic in a recent interview.

Higgins said, “The current crypto winter is not a digital asset winter. Markets are moving toward 24/7 access and need always-on, blockchain-powered infrastructure to make this happen. That’s Wall Street 2.0, and Ripple Prime is leading the way.”

Markets, according to Michael Higgins, increasingly require continuous access and blockchain-powered infrastructure, marking a shift from traditional banking models to a new, 24/7 global financial system.

This shift supports growing institutional interest in multi-asset clearing and financing that includes foreign exchange (FX), digital assets, derivatives, swaps, and fixed income.

Key acquisitions and fundingRipple Prime’s growth accelerated after Ripple Labs completed its $1.25 billion acquisition of Hidden Road in October 2025. The acquisition provided Ripple Prime with wider access to Ripple’s substantial financial resources.

Ripple Prime also recently raised $200 million through a debt facility from Neuberger Specialty Finance, a lender focusing on tailored financial solutions for institutional borrowers. This facility expands Ripple Prime’s margin financing capacity, helping the company extend additional liquidity to its institutional clients at the intersection of traditional finance and digital asset markets.

The boost in capital has resulted in a year-over-year tripling of Ripple Prime’s revenues—an advance fueled by strong institutional demand.

DevelopmentDetailsAcquisitionRipple acquires Hidden Road for $1.25 billion (Oct 2025)Debt facility$200 million from Neuberger Specialty FinanceRevenue growthTripled year-over-yearBlockchain replacing legacy railsA key driver behind Ripple Prime’s expansion has been the transition from traditional banking infrastructure to blockchain-based payment systems. In conventional prime brokerage, institutions can only post collateral during typical banking hours, forcing them to maintain higher capital buffers over weekends and holidays.

Ripple Prime removes these limitations by providing 24/7 collateral management through RLUSD, a stablecoin backed by the U.S. dollar and governed by strict regulatory oversight.

Mini dictionary: RLUSD, Ripple’s regulated stablecoin pegged to the U.S. dollar, is designed to enable real-time settlement and continuous collateral management across traditional and digital asset markets.

Competition and technology advantageWhile major Wall Street banks are anticipated to enter the digital prime brokerage market when regulatory clarity improves, Higgins asserts that established financial players will need to address significant technology hurdles. He emphasized that leadership in market making for U.S. equities and foreign exchange has already shifted from banks to non-bank institutions.

Higgins noted that the largest market makers in U.S. equities and foreign exchange are no longer banks, reflecting a transformation in market structure and competitive dynamics.

Ripple Prime’s unified technology platform allows the company to streamline its onboarding process regardless of whether a client represents a digital asset marketplace, an FX liquidity provider, or a traditional equities exchange. This flexibility positions Ripple Prime to respond more rapidly than legacy financial service providers.

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.