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Ripple Exec: XRP's 'Killer Use Case' Lies in Institutional Collateral

Betting against XRP is about to get a dedicated wrapper on US exchanges, just not quite yet. The Teucrium 2x Short Daily XRP ETF has received a new registration effectiveness date of October 11, 2026, after the SEC delayed approval following a post-effective amendment filed by Listed Funds Trust on September 11, 2026.

The fund is designed to deliver twice the inverse of XRP’s daily price movement. Put simply: if XRP falls 3% on a given day, the ETF is built to return roughly 6% before fees.

What the delay means and where it fits Teucrium first submitted the initial registration for this inverse product on January 21, 2025, meaning the process has stretched across the better part of two years without a clear stated reason for the holdup. Post-effective amendments are a standard procedural step, but each one can reset the SEC’s review clock, which is exactly what appears to have happened here.

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The delay is notable mostly because of the contrast with what Teucrium already has running. Its 2x Long Daily XRP ETF, trading under the ticker XXRP, launched on April 8, 2025, and had accumulated approximately $151.5 million in assets under management as of September 2026.

The inverse version follows the same structural playbook as XXRP: it uses derivatives, primarily swaps, to achieve its target exposure without holding XRP directly.

The broader XRP ETF ecosystem filling in around it While the short ETF waits, the XRP ETF market has continued to build out. Canary Capital launched its spot XRP ETF, XRPC, in November 2025, adding to a roster of products that now spans spot, futures, and leveraged long exposure.

Professional traders and portfolio managers often use inverse products not as outright bets on decline but as hedges. A fund manager holding a meaningful XRP position through one of the spot ETFs might want a short-duration instrument to offset downside risk without triggering a taxable event on the underlying holding.

Leveraged ETFs carry well-documented risks around daily rebalancing, particularly in volatile markets. A product delivering -2x daily performance will not simply track twice the inverse of XRP’s price over a month or a quarter. In a choppy market, the compounding effects of daily resets can erode returns significantly, a phenomenon sometimes called volatility decay.

What to watch heading into October The October 11 date is now the next hard milestone for the fund. The XRP market itself has changed considerably since that January 2025 initial filing. Ripple’s legal situation with the SEC reached a resolution, spot XRP ETFs gained approval, and institutional infrastructure around the asset deepened.

Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.

XRP, the digital asset powering the Ripple payment network, recently broke through a crucial resistance after more than a year under selling pressure. After a prolonged period marked by lower weekly highs and repeated rejections at a descending trendline, momentum shifted late in August 2026.

The breakout and analyst’s viewCrypto analyst Gina (@Gina_XRP), who closely monitored XRP’s weekly chart, had warned followers of a potential upside. Following the asset’s aggressive breakout above the long-standing descending trendline, XRP surged rapidly and posted gains of 50% in under three days compared to Gina’s previous forecast level.

Although prices have since pulled back slightly, Gina emphasized her continued optimism. She advised against expecting an immediate reversal in trend. Referring to her earlier projection, Gina stated that the recent move validated her forecast, and she outlined her next price objectives for the digital asset.

XRP surged 50% from the level Gina targeted, and she described this breakout move as just the beginning. “Don’t expect XRP to drop too soon,” she explained, while sharing a new sequence of targets:
$1.34, $1.17, $1.90, $3.10, and $5.20.

Short-term and long-term price targetsGina’s updated outlook presents a two-stage path forward. In the first phase, she expects XRP to move from $1.34 down to $1.17, highlighting $1.17 as a so-called “reload zone”—a point of potential accumulation. From there, she foresees a recovery to $1.90. In the subsequent stage, her targets extend further. She anticipates an advance from $1.90 to $3.10, ultimately projecting a top at $5.20, above the previous record high of $3.65 set in 2025.

Forecast StageTarget Levels (USD)Short-term$1.34 → $1.17 → $1.90Long-term$1.90 → $3.10 → $5.20All-time high (2025)$3.65Mini dictionary: XRP is the native digital currency for the Ripple payment protocol, designed for fast, low-cost cross-border transactions between financial institutions.

Technical structure and volume analysisXRP’s breakout concluded a period that began in July 2025, when the asset consistently made lower highs at each rally. The descending trendline on the weekly chart had acted as stiff resistance and rejected the price on five separate occasions.

Volume remained relatively subdued during the downward consolidation phase. The breakout seen in late August was accompanied by a sharp spike in trading activity, distinguishing it from the previous phase of muted price action on the chart.

The weekly chart highlights five failed attempts to breach the descending trendline before August’s breakout, which was marked by a notable increase in trading volume.

Analyst maintains bullish stanceGina, known for her earlier alerts to her followers regarding XRP’s setup, reiterated her conviction that the move higher is not yet complete. She has not altered her price targets despite the pullback that followed the initial surge. According to her roadmap, she considers $5.20 as the ultimate target for the current cycle. Gina’s consistent analysis has drawn attention from traders seeking to understand XRP’s mid-to-long-term trajectory.

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Ahmed Barakat

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Ahmed Barakat is a journalist and copywriter based in Georgia with a growing focus on blockchain technology, DeFi, AI, privacy, digital assets, and fintech innovation.

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XRP is changing hands in the low-$1.30s, sitting near a level our price analysis has circled for weeks. That’s not a coincidence. Three catalysts, a critical demand zone, a looming regulatory decision, and shifting whale behavior are converging as the month moves forward, and the outcome could shape XRP’s trajectory into Q4.

Price feeds across major exchanges show XRP clustering around the low-to-mid-$1.30s, with CoinMarketCap’s tracking showing similar underperformance against the wider crypto market during the latest risk-off move.

A whale moving dormant coins is a catalyst for behavior, not proof of a sale.

Track $BTC, $XRP, $CVX, $UNI.

The decision point: absorption. Watch bids stay firm. If exchange inflows rise and support fails, pressure matters. If bids absorb supply, the fear signal loses weight.

— Nicholas Blake (@NicholasBlake25) September 11, 2026 The drop follows an August rally that took XRP from around $1 to the high-$1.60 range. That run is now cooling into a descending triangle, with the mid-to-high-$1.30s described as one of the market’s most significant demand zones, where billions of XRP previously changed hands.

Macro conditions aren’t helping. Crypto markets are digesting Fed policy signals, and that pressure is bleeding into altcoin price action across the board. XRP’s next move likely hinges on whether buyers defend the low-to-mid-$1.30s or allow that support to crack.

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XRP Price Analysis: Break $1.45 This Weekend?XRP is trading in the low-$1.30s, just below its recent seven-day range in the low-to-high $1.30s. That points to a sideways-to-mildly bearish structure heading into the final stretch of September. Volume has concentrated around the mid-$1.30s, reinforcing that area as an important line in the sand.

Support sits in layers. The first floor is around the low-$1.30s, near the 20-day EMA, while the next major zone sits around $1.25–$1.30 near the 50-day EMA. Resistance builds quickly above the current range.

The first hurdle sits around the mid-$1.30s to low-$1.40s, followed by heavier supply around $1.45–$1.55. Beyond that, the $1.55–$1.70 region becomes the next major test.

The bullish scenario would see XRP reclaim the low-$1.40s, potentially opening a path toward the $1.60 area and eventually the high-$1.80s if the triangle pattern breaks higher. The base case is continued chop between roughly $1.30 and $1.40 while traders wait for a fresh catalyst. A break below the low-$1.30s would weaken the recovery thesis and put the mid-$1.20s back in focus.

RSI remains relatively neutral, while expanding Bollinger Bands suggest volatility could be building rather than fading. Traders watching the CLARITY Act vote timeline should treat it as a potential swing factor for the next major move.

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Bitcoin Hyper Targets Early Mover Upside as XRP Tests Key LevelsXRP holders sitting through this chop have earned the right to ask a blunt question: Is $1.35 support really going to hold, or is this just the market buying time before another leg down?

Whale accumulation patterns and retail positioning offer some reassurance, but at XRP’s market cap, even a clean breakout caps upside in the modest double digits, not the asymmetric moves early-stage capital is chasing. That’s pushing some traders toward earlier-stage infrastructure plays with more room to run.

Bitcoin Hyper ($HYPER) is one of the more notable examples, a Bitcoin Layer 2 project integrating the Solana Virtual Machine, positioning itself as the first Bitcoin L2 with SVM-based execution faster than Solana’s own network.

Currently priced at $0.013686, the presale has raised more than $33 million to date, with staking rewards offering a high 35% APY only for early participants. Standout features include a decentralized canonical bridge for native BTC transfers and low-latency transaction processing designed to bring programmability to an ecosystem historically limited to simple transfers.

Research Bitcoin Hyper directly before the presale window closes.

Discover: The Best Token Presales

Bitcoin, Ethereum and XRP brace for a new macroeconomic challenge as the odds of a Fed rate hike at its meeting on September 16 have surged.

Bitcoin Faces Key Test Ahead of September 15 FOMC Meeting According to the CME FedWatch tool, the probability of a 25 bps hike in the Fed’s target range from 350-375 to 375-400 has increased to 86.5%. The probability was around 70% before the latest inflation report. It would be the first increase in three years, and traders are also factoring in further increases.

The turnaround came after data revealed that the U.S. CPI inflation increased 3.4% in August from a year ago. This has weighed on the Bitcoin and overall crypto market decently.

However, the market outlook is not entirely in line with the economists. A Bloomberg survey of Fed policy makers showed that few economists anticipated any changes in the rate at their Sept. 15-16 meeting or on their next rate decision in December 2027. Fewer than 13 percent of the 48 who responded predicted an increase this month.

Meanwhile, Bitcoin’s technicals are still leaning towards a continuation higher, albeit there are increasing chances of a Fed rate hike. Crypto analyst Michaël van de Poppe wrote on X, “#Bitcoin is in the stage where you’d want to see a slight consolidation here.”

Bitcoin price chart today. Source: Michaël van de Poppe | X His Bitcoin analysis chart indicates that Bitcoin is making progress to absorb its prior drop down and push towards a significant resistance zone at $90,000-$92,000. Van de Poppe thinks more sideways action will be seen before another positive move. He wrote that “the next impulse upwards is towards $90,000 and potentially even $92,000.”

The analyst also said that bull markets tend not to experience major pullbacks. “Much rather, you’ll have short consolidations and corrections where price stagnates sideways,” he wrote.

Ethereum Price Eyes Surge To $3,000 Ethereum is on the verge of another milestone technical hurdle as well, which is akin to Bitcoin. The black Ethereum chart by analyst Ted Pillows shows that ETH is around $2,535, and there is a current resistance at $2,547-$2,550.

Ethereum price analysis chart. Source: Ted Pillows | X Pillows noted that, “ETH is back at its $2,550 resistance level.” His chart indicates that the next significant resistance level is just over $2,800 and the next significant support levels are at about $2,215 and $1,965. If the weekly chart continues to hold above $2550, then the path is cleared for moving into the higher resistance area.

Pillows added, “A weekly close above this could push Ethereum to $3,000.”

XRP Retests Decisive $1.35 Support XRP price chart today. Source: TradingView According to Ali Martinez aka Ali Charts, XRP is facing a more precarious situation. The XRP price chart displays a drop of approximately 20% over a period of three weeks, dropping from $1.70 to $1.35.

About 90 million XRP were sold or redistributed by whales in the past week, Martinez said. The graph below displays the individual network traffic, revealing a 90.18% drop in the number of addresses that were active on a daily basis, from 388,492 to 38,163.

3/5 Network activity has also slowed sharply.

Daily active addresses have fallen 90.18%, from 388,492 to 38,163, signaling a significant drop in participation during the correction. pic.twitter.com/th0aZMdLo7

— Ali Charts (@alicharts) September 12, 2026

The XRP support chart shows that $1.35 is a particularly important price for XRP tokens, with 2.29 billion tokens already being transacted at that price. Martinez wrote that “The $1.35 support level is decisive.” If XRP can maintain the level and recover $1.38, he expects it to move back to $1.60 and possibly $1.68.

4/5 Despite whale distribution and weaker network activity, $XRP has found critical support near $1.35, where 2.29 billion tokens were previously traded.

If this level holds and XRP reclaims $1.38, a rebound toward $1.60 and potentially $1.68 could follow. pic.twitter.com/nyCKGUi0U8

— Ali Charts (@alicharts) September 12, 2026

The Fed’s decision is particularly significant for the crypto trader, given the significance of borrowing costs for financial conditions for risk assets, especially in a crypto environment.

Clearpool, the institutional lending protocol that has originated over $965 million in loans since 2021, is proposing a full migration to the XRP Ledger. The move would bring its entire credit infrastructure onto XRPL and introduce a new token, new credit standards, and a Ripple-backed fund targeting fintech borrowers.

The governance proposal was opened for community discussion on September 11, 2026. If approved, it would represent one of the most significant protocol migrations in recent DeFi history, effectively relocating an established lending platform from its current infrastructure to a completely different chain.

What the migration actually involves At the core of the proposal is a token swap: Clearpool’s existing CPOOL token would be exchanged for a new CLEAR token at a 1:1 ratio.

The initial total supply of CLEAR would be set at 1.125 billion tokens, with a long-term target of 1.428 billion due to scheduled unlocks. The allocation breaks down as follows: 70% goes to existing CPOOL holders, 15% is earmarked for treasury and partnerships, and the remaining 15% is split between ecosystem incentives and contributors.

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To offset dilution concerns, Clearpool is proposing that 50% of all protocol fees go toward open-market buybacks and permanent burns of the CLEAR token.

The protocol currently holds $30 million in Total Value Locked.

The Ripple and Cicada connection Ripple is participating as a limited partner in a new credit fund that will focus on RLUSD-denominated institutional loans for the fintech sector. Ripple’s exact financial commitment to the fund remains undisclosed.

Cicada Partners, which has historically underwritten more than $860 million in loans, will handle credit risk assessment and borrower sourcing for the new fund.

New credit standards still need validator approval The migration also introduces two proposed XRPL standards that would power Clearpool’s credit products: Single Asset Vaults (XLS-65) and Lending Protocol (XLS-66).

Both XLS-65 and XLS-66 require 80% validator approval before they can activate on mainnet. That threshold hasn’t been met yet, and until it is, Clearpool’s most ambitious product plans remain theoretical.

Why XRPL, and why now XRPL has positioned itself as a payments-first blockchain with growing ambitions in tokenized finance. RLUSD’s launch gave the ecosystem a regulated stablecoin that bridges traditional finance expectations with on-chain settlement.

Clearpool’s $965 million in loan originations demonstrates that institutional demand for on-chain credit exists. For existing CPOOL holders, the 1:1 swap and 70% allocation provide a relatively clean transition path, though the supply expansion to 1.125 billion (and eventually 1.428 billion) tokens introduces dilution that the buyback-and-burn mechanism would need to offset.

The validator vote on XLS-65 and XLS-66 is the first domino that needs to fall. Everything else — the credit fund, the RLUSD lending products, the full protocol migration — builds on those two amendments reaching the 80% threshold.

Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.

XRP’s extended downturn continues to challenge long-term holders, with many investors facing a demanding market environment. Despite this, crypto analyst ChartNerd reaffirmed his positive outlook, maintaining that XRP could reach the $1 level in 2026—a target he believes may serve as a significant milestone for the digital asset when viewed in retrospect.

Price outlook and macroeconomic factorsChartNerd, posting on X, emphasized that determination during periods of widespread pessimism could reward dedicated investors. He insisted that hope for the token was never lost throughout the recent decline. Rather, he argued, support actually strengthened among core holders during these difficult months.

The analyst also briefly referenced broader macroeconomic drivers but did not elaborate further on how they might influence XRP’s trajectory. He suggested, however, that the overarching market context would continue to play a vital role in shaping price movements over the coming years.

My call for $XRP to sweep the $1.00 level in 2026 may well go into the history books when we look back at this market in the years ahead. We will thank ourselves that we went against herd mentality. Hope was not lost during this decline, it was found. The macro set up looks promising.

In a landscape where a single Fed announcement or a sudden altcoin listing can swiftly alter market direction, ChartNerd underlined the importance of closely tracking technical indicators such as the 50-week exponential moving average (EMA) and broader price structures. Given these rapid changes, many traders are turning to tools like CryptoAppsy. These privacy-focused platforms combine real-time charts, coin news, portfolio tracking, and key macro data in one place, helping investors react quickly to evolving trends—often without even requiring an account setup.

Potential for further downsideResponding to inquiries from other X users, ChartNerd identified $0.98 as his base scenario for a potential market bottom. However, he acknowledged that further declines to $0.90 or even $0.70 remain possible, although he considers them less likely. Should XRP break below the 50-week EMA, the likelihood of deeper losses would increase.

At present, the analyst views the ongoing recovery as a countertrend rally rather than the start of a sustained uptrend. XRP’s price, according to ChartNerd, must reclaim the 50-week EMA before a true trend reversal can be confirmed.

ChartNerd maintains that $0.98 could represent the lowest point for XRP in this phase, but warns that moving significantly below this level would suggest greater downside risk, particularly if the 50-week EMA fails to hold as support.

Long-term holders remain steadfast despite pressureThe ongoing uncertainty has prompted open discussions among XRP holders on social platforms. One prominent community member, identified as NY Nurse, responded by sharing the financial and emotional pressures faced by long-term investors. She described nearly a decade of optimism, significant sacrifices, and the recent pain caused by both inflation and unmet expectations regarding XRP’s performance.

Her comments reflect mounting frustrations that while investors in more established assets such as Bitcoin have benefited from clearer uptrends, XRP holders have experienced protracted periods of uncertainty. ChartNerd addressed these concerns by reiterating his commitment to a technical view, focusing on price structure rather than guaranteeing immediate recovery.

For now, many in the XRP community are closely monitoring critical levels, with sentiment hinging on whether the market can reclaim key technical markers or descend toward further support zones in the months ahead.

The upcoming Senate vote on the Digital Asset Market Clarity Act (CLARITY Act) has drawn significant attention from the U.S. cryptocurrency community, as the outcome could have a notable impact on digital assets recognized by federal agencies, particularly XRP, XLM, and HBAR.

September 15 emerges as a decisive dateCrypto analyst X Finance Bull identified September 15, 2026, as a pivotal moment for the CLARITY Act, with a procedural cloture vote scheduled in the Senate for that date. The outcome will determine whether the bill advances for further consideration but will not yet constitute final passage.

X Finance Bull highlighted insights from Patrick Witt, Executive Director of the Presidential Council of Advisors for Digital Assets, who commented on the time-sensitive nature of the political process. Witt noted that the narrowing gap between Democratic and Republican lawmakers raised the stakes for finalizing digital asset legislation before the November midterm elections, which could complicate further progress if not resolved in advance.

The CLARITY Act has already cleared key hurdles. In July 2025, the House of Representatives passed the bill by 294 to 134 votes. The Senate Banking Committee advanced its version in May 2026 with a 15-9 approval. The Senate published its revised text in July, setting the stage for the next procedural vote.

XRP, XLM, and HBAR gain regulatory focusX Finance Bull emphasized the particular significance of this bill for XRP, XLM, and HBAR, following the identification of these assets as digital commodities by both the Securities and Exchange Commission (SEC) and Commodity Futures Trading Commission (CFTC) in March 2026. This clarification alters the regulatory landscape, enabling a shift away from unresolved classification debates and toward developing consistent rules for the digital commodity sector.

The commentator referenced the regulatory history of XRP, including the SEC’s lawsuit against Ripple that began in 2020, subsequent court rulings on XRP’s sales, and the dismissal of appeals in August 2025. The Senate’s draft language explicitly addresses digital asset transactions covered by certain final federal court judgments, providing a clear foundation for the application of new regulations.

If you hold XRP, XLM, or HBAR, you do not want to miss this CLARITY Act update. Washington just put a clock on crypto market structure. The Senate’s next vote could reshape how digital commodities are regulated in the United States.

Broader implications for banks and institutionsX Finance Bull pointed out that the CLARITY Act’s scope extends beyond the classification of digital assets. The bill covers digital commodity exchanges, custody, banking operations, distributed-ledger recordkeeping, tokenized securities, self-custody, and regulatory sandboxes. The Senate’s latest version would allow national banks to utilize digital assets and distributed-ledger technology for legally authorized products and services.

This development is particularly relevant for XRP, XLM, and HBAR, as each already has institutional infrastructure supporting their ecosystems. For XRP, ongoing activities include Ripple’s payment solutions, RLUSD stablecoin, institutional trading, and tokenization. Stellar’s network has supported stablecoin integration, real-world assets, and a recent pilot by U.S. Bank using the USBDC stablecoin. Meanwhile, Hedera’s ecosystem features regulated tokenization and banking applications, with several institutional partnerships already in place.

X Finance Bull indicated that the outcome of the procedural vote on September 15 could signal whether the United States is ready to advance from asset classification debates to establishing a sustainable regulatory framework for digital assets and related services.

AssetRegulatory StatusKey Institutional UsesXRPIdentified as digital commodity (SEC, CFTC)Payments, RLUSD, custody, institutional tradingXLM (Stellar)Identified as digital commodity (SEC, CFTC)Stablecoins, real-world assets, USBDC pilot by U.S. BankHBAR (Hedera)Identified as digital commodity (SEC, CFTC)Regulated tokenization, banking and institutional usesMini dictionary: CLARITY Act, also called the Digital Asset Market Clarity Act, is U.S. legislation aimed at providing clear legal and regulatory guidelines for the classification and oversight of digital assets and related financial infrastructure.

The Senate’s vote could move the country from focusing on whether certain assets are securities or commodities to putting in place a comprehensive structure for digital markets.

10,000,000 RLUSD Hits XRP Ledger Even as September Activity Dips

A recent filing with the US Securities and Exchange Commission reveals that Megacorn Fund LP’s investment in Ripple equity gained 62.4% by the end of 2025, underscoring a significant repricing in private markets for the fintech company.

Megacorn Fund’s Ripple positionAccording to the SEC filing, Megacorn Fund LP disclosed ownership of 2,704 shares in Ripple. The original cost basis for these shares was $229,840, while the fair value as of December 31, 2025, had risen to $373,179. This resulted in a paper gain of approximately $143,339 over roughly eight months.

The fund initially acquired its position in Ripple on April 16, 2024, and marked the value of its shares at $138.01 each at the close of 2025. The Ripple stake accounted for about 2.75% of Megacorn’s total partners’ capital, placing it among the fund’s notable fintech holdings.

Ripple, headquartered in San Francisco, is a blockchain-focused payments company known for developing solutions to facilitate cross-border money transfers for banks and financial institutions.

Megacorn Fund, a private investment partnership, also holds stakes in several leading late-stage private technology firms as part of its FinTech Software portfolio.

Mini dictionary: Megacorn Fund LP, a private investment fund that specializes in acquiring shares of high-growth private technology companies before they go public.

Portfolio comparisonsThe filing also highlighted other significant positions in the fund’s portfolio. Megacorn valued its shares in the crypto exchange Kraken at $276,282, up from an initial investment of $168,683. Databricks, a data and artificial intelligence platform, was marked at $1.29 million against a $999,900 cost basis. Mercury saw a rise to $161,124 from $150,012, while Perplexity was reported at $511,436 compared to a $500,000 entry cost.

CompanyCost BasisYear-End ValueUnrealized Gain% GainRipple$229,840$373,179$143,33962.4%Kraken$168,683$276,282$107,59963.8%Databricks$999,900$1,290,000$290,10029.0%Mercury$150,012$161,124$11,1127.4%Perplexity$500,000$511,436$11,4362.3%Although Kraken recorded a slightly higher percentage gain, Ripple’s appreciation stood out as one of the strongest among its fintech peers in the latest report.

Ripple’s marked value at year-end 2025 followed its $500 million strategic investment round in November, which set the company’s valuation at $40 billion. Fortress Investment Group and Citadel Securities led the funding, with participation from major blockchain investors including Pantera Capital, Galaxy Digital, Brevan Howard, and Marshall Wace.

Ripple reported that the new investment round followed a separate $1 billion tender offer at the same $40 billion valuation. The company described these transactions as evidence of growing institutional confidence, coinciding with an expansion into tokenized capital markets and broader opportunities connected to an $88 trillion tokenization sector.

Ripple completed a $500 million strategic investment round at a $40 billion valuation in November 2025, backed by major institutional investors including Fortress Investment Group, Citadel Securities, Pantera Capital, Galaxy Digital, Brevan Howard, and Marshall Wace.

Clarifications on Ripple equity and XRPWhile Ripple’s valuation has drawn interest from investors, it is important to distinguish between Ripple’s private equity and holdings in the digital asset XRP. Ownership in Ripple refers to shares of the company itself, whereas XRP is a separate cryptocurrency utilized within some of the company’s payment solutions.

The current filing does not represent Ripple’s real-time market value. Private equity marks can vary widely among investment funds and on secondary trading platforms, making it challenging to pinpoint a definitive value outside of major funding events.

Why Ripple (XRP)? 21Shares Highlights 4 Reasons Investors Should Take Notice

XRP is maintaining a key price zone, with market participants closely monitoring whether a new wave of buying will drive a substantial move. The altcoin has drawn attention after a prominent analyst pointed to a significant concentration of buy orders supporting its current value.

Buyers defend key XRP levelCrypto analyst XRP Update, known on X as @XrpUdate, shared insights on a developing buy wall for XRP. According to the analyst, a large volume of buy orders has emerged at the present price section, indicating that buyers are actively defending this range against any downward pressure.

Heavy bids are stacking at the current price, showing buyers are ready to defend this level. If the wall holds and momentum returns, the next move could be explosive.

This activity reflects growing trader interest, with some market watchers suggesting the recent momentum could translate into a rapid price surge if resistance is overcome.

Technical picture: resistance and supportRecent 1-hour price charts reveal that XRP climbed rapidly in early September, peaking near $1.49. After testing its August highs, XRP faced a pullback and is now consolidating within a range. The chart shows strong resistance, marked by sell-side order blocks, between $1.42 and $1.50. Each attempt to break through this band has been met with notable selling interest, with the latest rejection occurring at $1.42.

In contrast, a buy order block has built up around $1.32 to $1.34, which aligns with the area where the current buy wall stands. Large bid volumes at this level provide immediate price support, while a secondary, broader buy block below $1.10 offers a long-term safety net in case of a deeper drop.

LevelTypeOrder block range$1.42 – $1.50Sell (Resistance)Major resistance cluster$1.32 – $1.34Buy (Support)Current buy wall location$1.10Buy (Support)Deeper support areaAmong XRP traders, this current structure is seen as pivotal for near-term direction. A sustained defense of the $1.32 area could lead to renewed attempts on higher resistance levels.

Mixed community sentiment and price targetsThe discussion prompted a variety of responses within the XRP community. While some traders expressed caution, noting that repeated rejections at $1.42 signal ongoing bearish pressure, others remain optimistic.

One commenter set an ambitious price target of $3.20, naming September 15 or October 4 as potential dates for a strong rally. The date aligns with the upcoming cloture vote for the CLARITY Act, which some speculate could serve as a catalyst for price movement.

Mini dictionary: CLARITY Act, a legislative proposal in the United States aiming to provide regulatory clarity for digital assets and distinguish between securities and commodities. The outcome of its vote is closely followed by crypto investors due to its potential market impact.

With opinions divided, sentiment within the XRP ecosystem remains varied as key technical levels are tested and traders await decisive movement.

Outlook for XRP price actionXRP’s immediate future hinges on the ability of buyers to maintain support at $1.32 to $1.34. Should the asset hold above this range, targets include retesting the $1.42 to $1.50 resistance zone. A breakout above this band could pave the way to higher price milestones in the coming sessions.

The chart structure supports a move in either direction depending on how the asset’s price behaves at this level over the next several sessions.

Traders and analysts alike are watching order flow and upcoming market events as XRP navigates a tightly contested price range. Momentum in either direction may determine whether the digital asset finds renewed strength or faces further consolidation.

XRP is currently trading within an extensive ascending triangle pattern that has played out over several years, according to chart analysis by EGRAG CRYPTO, a well-known crypto analyst. He described the current conditions as a critical turning point for the digital asset, with a “macro launch base” forming at a key support level.

The macro launch base theoryEGRAG CRYPTO explained that XRP’s fifth macro launch base has taken shape on the long-term chart, as the price compressed into a narrowing range. He argued that each previous formation of this kind preceded a significant price movement for XRP, suggesting the latest base could signal a new trend.

He emphasized the gradual nature of market reversals, stating that market bottoms are built over time rather than forming instantly. “Bottoms are not built in one candle,” he wrote. “They are built through duration.” EGRAG CRYPTO suggested that macro bottoms typically develop between six and ten months and often precede substantial moves that attract attention from long-term holders.

Each previous macro launch base marked a transition point for XRP, with the pattern’s duration and structure offering signals for potential moves ahead. According to EGRAG CRYPTO, patience is essential, as these setups are drawn out and can take months to complete.

EGRAG CRYPTO’s posts and chart analyses have gained popularity among traders tracking XRP’s long-term movements.

Mini dictionary: Ascending triangle, a technical analysis pattern formed by a horizontal resistance level and an upward sloping support line, often viewed as a bullish continuation signal.

XRP price targets and chart structureIn a recent video, the analyst Moon Lambo discussed EGRAG CRYPTO’s charting, which shows XRP moving within the bounds of this ascending triangle. He highlighted that the current formation aligns with where previous upward “launches” began in the past.

Moon Lambo identified a near-term target of $9.50 for XRP, with a possible extension to $13, should the price successfully break above the triangle’s top boundary. These levels represent significant upside from current prices, reflecting the historical pattern depicted on EGRAG CRYPTO’s chart.

Target LevelDescription$9.50First major upside target if resistance breaks$13Secondary potential target following breakoutPatience, long-term holding, and investment strategyMoon Lambo, who has discussed holding strategies since 2017, pointed out the importance of patience. He described his personal approach, saying he invests and waits for a significant price move, only selling if the assets reach new highs or his thesis changes. Otherwise, he accepts the risk that prices could decline to zero.

He shared his personal experience holding Zcash through years of minimal price action before it surged from $47 to nearly $1,300, underscoring that persistence and a willingness to wait can be crucial in volatile markets.

Moon Lambo stated, “The people that cannot or will not wait are just not going to make it.”

Speculative targets and the future for XRPThe chart reviewed by both EGRAG CRYPTO and Moon Lambo also showed a speculative longer-term figure of $100 for XRP. While Moon Lambo did not make a concrete prediction or assign a timeline, he referenced the potential for cryptocurrencies as an asset class to reach above $100 trillion in value. He believes XRP could claim a share of this expansion given its intended role in global finance.

He commented that speculating about $100 XRP is not unreasonable, although he described it as a long-term scenario rather than a short-term target.

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

XRP's brief August surge has officially faded. The coin's price has slipped to $1.34–$1.37, while volatility on the daily chart has almost completely vanished: the Bollinger Bands have tightened into a narrow horizontal line, according to TradingView data. Historically, this state of "anti-volatility" has meant only one thing for XRP: the market is hitting pause.

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Previous cycles show that after such a lull, the asset typically falls into a sluggish sideways drift, which can last as long as 240 days.

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Short cycle or deep flat: How many days will XRP remain in sideways drift?The market has not frozen without reason. Major players and speculators are openly reluctant to open positions ahead of next week, which could reshape the macroeconomic landscape.

First, the U.S. Senate will vote on the CLARITY Act on Sept. 15. The bill stalled throughout the summer, prompting institutions to freeze their activity, while inflows into XRP ETFs plunged by 93%.

Second, the Federal Reserve will announce its interest rate decision on Sept. 16. Inflation in the U.S. is mounting again, with PPI jumping to 5.4%, while Brent crude has surged above $107. The market is pricing in a hawkish outcome from the central bank with a 70% probability, so major capital is simply fleeing into the safety of cash.

XRP/USD daily chart showing Bollinger Bands squeeze and declining volatility, Source: TradingViewUnder this pressure, XRP is being protected from a deeper decline by a sharp shift in holder sentiment. According to analytics platform CryptoQuant, the peak inflow of coins onto exchanges on Sept. 9 was followed by a rapid outflow. In just one day, XRP reserves on Binance alone fell to 2.631 billion tokens.

The price drop to a local low of $1.33 forced traders to stop selling and begin withdrawing their assets from trading platforms while awaiting the upcoming news.

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Looking at the raw numbers from XRP's previous accumulation periods, the market has two clear time frames:

Short cycle (79–89 days): This is how long the coin accumulated strength during the previous local cycles of 2025. If the scenario repeats, the chart will not "wake up" until late November or early December 2026.Macro cycle (up to 240 days): This is almost exactly how long the previous exhausting sideways period lasted before the Aug. 31 breakout: nearly eight months, or 236 days. In the worst-case scenario, XRP will not emerge from its current consolidation until spring 2027.The timer for a new prolonged flat has already started. Its actual duration will be determined by the Senate vote and the Federal Reserve's decision over the next few days.

XRP’s brief rally in August has now fully subsided, with the token currently trading at $1.34 to $1.37. Market data from TradingView indicates that volatility has largely vanished, as the Bollinger Bands have narrowed into a tight, horizontal channel on the daily chart. Such periods of low fluctuation, often called “anti-volatility,” typically signal a pause in market activity for the asset.

Liquidity dries up as major events approachThis extended calm is not without reason. Key institutional investors and large traders have shown a clear hesitancy to open new positions, preferring to wait until after important macroeconomic events scheduled for next week.

One major factor is the upcoming U.S. Senate vote on the CLARITY Act, set for September 15. This legislative proposal, which had been stalled over the summer, has prompted many players to hold back on market activity. During this period, capital inflows into XRP exchange-traded funds (ETFs) have fallen sharply, dropping by 93%.

Another significant development is the Federal Reserve’s planned interest rate announcement on September 16. With U.S. inflation on the rise and the Producer Price Index reaching 5.4%, combined with Brent crude oil prices exceeding $107 per barrel, the market is increasingly expecting a hawkish turn from the central bank. The current probability of a rate hike stands at 70%. As a result, institutional investors are largely reallocating assets toward cash positions to reduce risk exposure.

Against this backdrop, XRP appears to be supported from a deeper price decline by a shift in holder behavior. CryptoQuant, a leading analytics platform, reported that after a notable influx of XRP onto exchanges on September 9, a quick reversal occurred as tokens rapidly exited trading platforms. In one day, reserves on Binance—the world’s largest crypto exchange—dropped to 2.631 billion XRP.

This retreat to self-custody was triggered by XRP touching a local low of $1.33, which prompted many traders to cease selling and instead withdraw their coins in anticipation of further news.

Market outlook: Possible scenarios for XRPHistorical data from previous accumulation cycles reveals two likely timeframes for XRP’s ongoing consolidation.

Shorter cycles lasted between 79 and 89 days during local recovery periods observed in 2025. Should this pattern repeat, a renewed bout of price action might not appear until late November or early December 2026.

The macro cycle, however, points to a much longer drift. Before the rally at the end of August, XRP spent nearly eight months—236 days—in a prolonged sideways phase. This would imply that a new breakout is unlikely until as late as spring 2027 if bearish conditions persist.

Cycle TypeDurationPotential Reaction DateShort cycle79–89 daysLate Nov – Early Dec 2026Macro cycleUp to 240 daysSpring 2027 Periods of anti-volatility, marked by tight Bollinger Bands and low trading activity, have been followed by lengthy sideways moves for XRP. Current price action appears linked to major upcoming events in the macroeconomic and regulatory landscape, as participants wait for fresh catalysts to dictate the next trend.

With the consolidation phase underway, the true duration of XRP’s subdued trading will likely be set by the outcomes of both the Senate’s decision on the regulatory bill and the Federal Reserve’s interest rate policy in the coming days.

Mini dictionary: CLARITY Act, a proposed bill in the U.S. aimed at providing regulatory direction for digital asset markets, with potential implications for how cryptocurrencies like XRP are classified and governed.

XRP fiyatında ağustos ayında görülen kısa süreli yükselişin ardından momentum yeniden zayıfladı. Fiyatın 1,34 ile 1,37 dolar aralığına gerilemesiyle birlikte oynaklık belirgin şekilde düşerken, yatırımcılar yeni yön arayışına odaklandı. TradingView verilerinde Bollinger Bantlarının daralması piyasadaki sıkışmayı ortaya koyarken, XRP ETF girişlerinin yüzde 93 azalması da temkinli görünümü destekliyor. Piyasanın odağında ise 15 Eylül’de beklenen ABD Senatosu oylaması ve hemen ardından 16 Eylül’de açıklanacak Fed faiz kararı bulunuyor.

XRP Fiyatında Yatay Seyir Güçleniyor XRP’de son fiyat hareketleri alıcılar ile satıcılar arasında belirgin bir üstünlük oluşmadığını gösteriyor. Fiyat 1,34 ile 1,37 dolar arasında hareket ederken, günlük grafikte Bollinger Bantlarının daralması oynaklığın önemli ölçüde azaldığına işaret ediyor. Geçmiş XRP döngülerinde benzer düşük oynaklık dönemlerinin uzun süre devam edebildiği görülüyor. Bazı dönemlerde yatay hareketin 240 güne kadar uzaması, mevcut sıkışmanın da kısa sürede sona ermeyebileceği ihtimalini gündeme getiriyor. Bununla birlikte yaklaşan kritik gelişmeler fiyatın bu dar banttan çıkmasında belirleyici olabilir.

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XRP yatırımcılarının yakından takip ettiği ilk gelişme 15 Eylül’de beklenen ABD Senatosu CLARITY Act oylaması olacak. Dijital varlıklara ilişkin düzenleyici çerçeveyi netleştirmeyi amaçlayan yasa tasarısındaki gelişmeler, kripto para piyasasındaki kurumsal yatırımcıların yaklaşımı açısından önem taşıyor. Bir gün sonra, 16 Eylül’de Fed faiz kararını açıklayacak. ABD üretici enflasyonunun yüzde 5,4’e yükselmesi ve Brent petrolün 107 doların üzerine çıkması, sıkı para politikası beklentilerini güçlendirdi. Piyasanın Fed’den sıkılaştırma yönünde bir adım gelme ihtimalini yüzde 70 civarında fiyatlaması, yatırımcıların karar öncesinde daha temkinli hareket etmesine neden oluyor.

XRP’de Borsa Çıkışları Satış Baskısını Sınırlıyor Makroekonomik belirsizliğe rağmen XRP’de daha sert bir satış dalgasının şimdilik sınırlı kaldığı görülüyor. CryptoQuant verilerine göre 9 Eylül’de borsalara gerçekleşen yüksek miktardaki XRP girişinin ardından hızlı bir çıkış yaşandı. Binance üzerindeki XRP rezervinin bir gün içerisinde 2,631 milyar tokene gerilemesi de dikkat çekti. Fiyatın yerel olarak 1,33 dolara kadar düşmesinin ardından bazı yatırımcıların XRP’lerini borsalardan çekmesi, kısa vadede doğrudan satış yapmak yerine beklemeyi tercih ettiklerine işaret ediyor. Bu görünüm, XRP’de sert düşüşten ziyade yatay sıkışmanın öne çıkmasına katkı sağlıyor.

Geçmiş birikim dönemleri XRP için iki farklı zaman senaryosunu öne çıkarıyor. Daha kısa döngülerde XRP’nin yaklaşık 79 ile 89 gün boyunca güç topladığı görüldü. Benzer bir hareketin tekrarlanması halinde fiyatın kasım sonu veya aralık başında mevcut yatay görünümden çıkması mümkün olabilir. Daha uzun döngülerde ise konsolidasyon süresi 240 güne kadar uzayabiliyor. Ağustos sonundaki kırılmadan önce görülen önceki uzun konsolidasyonun 236 gün sürdüğü belirtiliyor. Benzer bir senaryonun tekrarlanması halinde XRP’de yatay görünümün 2027 ilkbaharına kadar devam etme ihtimali bulunuyor. Ancak yaklaşan Senato ve Fed kararları, bu zamanlamayı değiştirebilecek önemli katalizörler olarak takip edilecek.

Değerlendirme XRP’de 1,34 ile 1,37 dolar arasındaki dar fiyat hareketi piyasadaki bekleyişin güçlendiğini gösteriyor. Düşen ETF girişleri ve yaklaşan makroekonomik gelişmeler yatırımcıların yeni pozisyon alma konusunda temkinli davranmasına neden olurken, borsalardaki XRP rezervlerinin azalması satış baskısını şimdilik sınırlıyor. Kısa vadede 15 Eylül’deki Senato gelişmeleri ve 16 Eylül’deki Fed kararı XRP’nin yön arayışında belirleyici olabilir. Geçmiş döngüler ise mevcut sıkışmanın kasım sonuna kadar sürebileceği gibi daha uzun bir senaryoda 2027 ilkbaharına kadar uzayabileceğine işaret ediyor. Bu nedenle XRP’de önümüzdeki dönemde hem fiyat oynaklığı hem de borsa akışları yakından takip edilecek.

Son Dakika kripto para haberleri için hemen tıkla.

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Many XRP investors are increasingly focused on speculating about potential price targets, but crypto analyst Jake Claver believes a different issue deserves more attention: preparation for significant market moves.

Focus shifts from targets to planningJake Claver, recognized for his commentary on investment strategy in the digital assets market, recently challenged the XRP community to consider their readiness for a possible surge in price. Instead of fixating on specific values such as $5, $10, or $50, Claver emphasizes the importance of a well-developed action plan ahead of any sudden price appreciation.

He raised questions about whether holders will have a strategy in place, or if they will be left scrambling to react when and if XRP experiences a major upswing. Claver warns that failing to prepare could lead to emotional decisions and missed opportunities.

Most XRP holders aren’t prepared for a major price appreciation, suggesting that rather than waiting for a magic number, having a plan in place is what will prove critical when the market shifts.

Claver has previously shared ambitious price predictions for XRP, but his current focus is less about forecasting and more about encouraging disciplined investing. He highlighted the need for holders to determine critical details such as at which price point to sell, how much to keep, and when to secure profits in advance, not after prices start to change.

Reactions from the XRP community reflect a wide range of perspectives. BankXRP, an influential community member, admitted that his own selling plans are written as little more than a sticky note, emphasizing that the real decision would only feel concrete if a major target was reached. Another holder confessed to setting personal goals and numbering systems but said that price movement is necessary before any plan feels actionable.

Some community members noted that discussions about price targets tend to repeat every market cycle. For example, one participant recalled that XRP traded above $3 in 2018 but has yet to reclaim that price, leaving long-term holders waiting for a rebound. Others stated their intention to simply hold and hope for the best.

“Everyone talks about when XRP hits $______, like that number will change everything, but price targets alone don’t secure outcomes.”

The importance of preparation in volatile marketsClaver’s message underscores the idea that volatility tends to reward those who have already made decisions before major moves occur. Acting on impulse, he cautions, is rarely as effective as following a defined plan. His remarks urge XRP holders to approach their portfolios as genuine financial assets, with structured exit or management strategies in place.

Recent trading data shows that large investors on Coinbase have placed sell orders for XRP at $33, hinting at preparedness among some market participants. However, Claver claims that most individual holders have not clarified their intentions if such a price level is reached.

Mini dictionary: Jake Claver is an investment advisor specializing in the digital assets sector, known for advocating disciplined strategies within the crypto community.

The central message remains: holders who want to maximize outcomes should clarify their approach now, rather than after major price changes occur.

In This Article What XRP Healthcare Told Users, in OrderHow a Line of Text Became a Guessable Private KeyFollowing the Money Off the LedgerAn App Flaw Is Not an XRP Ledger Breach Last week, an attacker drained 4,011 wallets tied to XRP Healthcare’s XRPH Wallet app, stealing an estimated $450,000 to $452,000 in XRP, XRPH, and related tokens in roughly three hours. Last night, XRP Healthcare announced it was shutting down after three years of leading Ripple’s charge into healthcare.

XRP HEALTHCARE — OPERATIONAL WIND-DOWN

After nearly three years of building XRP Healthcare, we have made the difficult decision to begin winding down the company’s normal operations.

This decision has not been taken lightly.

Over the past three years, we have continued…

— XRP Healthcare (@XRPHealthcare) September 10, 2026

That is a serious loss for the people who held those wallets, but the evidence released so far points to a flaw in the wallet application itself, not a breach of Ripple’s XRP Ledger or a quantum-computing attack on XRP’s underlying cryptography.

What XRP Healthcare Told Users, in Order XRP Healthcare first acknowledged the exploit on September 4, rejecting suggestions that the incident was a rug pull while confirming that XRPH, XRPHAI and other assets had been stolen from compromised XRPH Wallets. The team told users to stop using the wallet immediately, pending further notice.

We’ve seen this and are taking it with full seriousness. XRP Healthcare was not aware that any part of the wallet’s staking functionality was less than fully non-custodial, and we would never knowingly market a product as non-custodial if that weren’t the case. This is now being… https://t.co/ATR38vv4l1

— XRP Healthcare (@XRPHealthcare) September 5, 2026

On September 5, XRP Healthcare said it had filed a formal report with law enforcement and was coordinating with other crypto platforms to freeze the stolen funds. A day later, on September 6, the project said it had traced the funds end-to-end and that approximately 445,198 DAI (a stablecoin pegged to the US dollar) remained sitting in a single Ethereum address, and it asked affected users to submit loss reports via Etherscan, Ethereum’s block explorer.

How a Line of Text Became a Guessable Private Key The root of the problem, according to XRP Healthcare’s own technical report published September 8, traces back to June 13, 2023. That’s when a defect was introduced into how the app generated wallets: instead of feeding proper randomness into the XRP Ledger’s key-generation function, the app passed in improperly formatted entropy.

XRPH WALLET — ROOT-CAUSE FINDINGS

Following our investigation into the September 3 XRPH Wallet incident, the development team’s technical root-cause report has now been completed.

The investigation identified and reproduced a defect in the wallet-generation process where the…

— XRP Healthcare (@XRPHealthcare) September 8, 2026

Think of a house key normally cut from millions of possible combinations. This defect was like a locksmith accidentally using a stamping machine that could only produce a few thousand distinct patterns. The result drastically shrank the effective keyspace behind every wallet the app created, making offline reconstruction of private keys “computationally feasible,” in the report’s own words.

XRP Healthcare’s development team was blunt about the scope: the defect remained unpatched at the time of the report, the key derivation process is deterministic, and the underlying algorithm is publicly readable.

That means every wallet the app ever generated – not just the 4,011 that were drained – should be treated as compromised. Wallets that survived did so only because they held no funds; any future deposit into them remains exposed.

Readers wanting a deeper primer on how private-key math actually works, and where quantum computing does and doesn’t threaten it, can check this explainer on post-quantum signature security.

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Following the Money Off the Ledger According to on-chain analytics platform XRPL.to, the 4,011 compromised wallets lost 267,664 XRP and 23.2 million XRPH tokens combined, alongside smaller amounts of other project assets. The primary-source reporting describes a first sweep followed by a rapid conversion process that moved the stolen assets entirely off the XRP Ledger, ultimately resulting in the roughly 445,198 DAI figure XRP Healthcare confirmed on September 6.

FULL ON-CHAIN TRACE

The stolen assets have been traced:

XRPL → NEAR Intents → Ethereum → Uniswap V4 → DAI

Drain / collection wallet:
rGGXaBdSRUfdarKDkt2csxL67F8MEGxHVBhttps://t.co/ZX8ezUXV8r

Layering wallet 1:
raDNxjwbjGCUAix8rKCzrHYY2r9AsCjs1Phttps://t.co/taIyzqybww…

— XRP Healthcare (@XRPHealthcare) September 6, 2026

It’s worth being precise about what is and isn’t confirmed here. XRP Healthcare’s own statements and its September 8 root-cause report are the firmest ground: the wallet-generation defect, the 4,011-wallet count, the dollar-loss range, and the DAI destination all come from that disclosure and XRPL.to’s on-chain tracking.

Broader claims circulating elsewhere about the app’s internal seed storage or staking-server architecture are third-party technical analyses rather than confirmed XRP Healthcare findings, and should be read as such until independently verified.

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An App Flaw Is Not an XRP Ledger Breach The distinction matters more than it might seem. Every stolen transaction in this incident was, from the XRP Ledger’s perspective, a perfectly valid, properly signed payment – the ledger has no way to know that the signing key behind it was reconstructed offline rather than legitimately controlled. That’s a wallet-generation failure, not a consensus failure, and it says nothing about the security of XRP holdings on other platforms or about XRP Ledger security more broadly.

For readers tracking the health of the network itself, separate from any single app’s bugs, XRPL activity metrics offer a useful check on how new user growth on the XRP Ledger has trended.

The quantum threat question deserves its own honest answer: nothing in XRP Healthcare’s disclosure or the on-chain trace involves quantum computing. The attacker didn’t need to break elliptic-curve cryptography; a shrunk keyspace from bad randomness is a classical, brute-forceable problem that ordinary computers can solve.

Longer-term efforts to harden XRP against theoretical future quantum computers are a separate, forward-looking conversation, and readers curious about that roadmap can review this overview of XRP’s quantum-resistance discussion – but it shouldn’t be conflated with what actually happened on September 3.

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U.S. spot Bitcoin ETFs reportedly shed $282.6 million on September 10, their third straight session of net outflows. Over the same three-day window, XRP ETFs pulled in fresh capital for a third consecutive day, even as XRP itself slipped roughly 2.8% to trade near $1.36.

The split is the story here. Bitcoin ETF investors are heading for the exits while XRP fund buyers keep adding exposure to a falling token price, and the tension worth unpacking: does XRP’s steadier inflow pattern reflect a genuinely different holder base, or is it just a quieter version of the same volatility rattling Bitcoin ETF flows this month?

(Source – TradingView)

Why Don’t ETF Flows and Token Price Always Move Together? Crypto ETF flows measure creations and redemptions inside the fund wrapper itself – money entering or leaving the product, not a direct swap between assets. A fund can absorb net inflows on a day its underlying token drops, because buyers are adding shares faster than sellers are cashing out, regardless of where the price is heading.

Inflows continued even as XRP fell roughly 2.8% on September 10. It is a reminder that fund demand and spot price action are related but separate signals, and treating one as a stand-in for the other is a common – and costly – mistake for traders watching XRP ETF inflows for directional cues.

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What Do the Reported ETF Numbers Actually Show?

(Source – SoSoValue)

Across the three-session stretch through September 10, Bitcoin funds handed back a combined $449.4 million. Total net assets in Bitcoin ETFs fell to $97.49 billion, down from $101.3 billion on September 4, though cumulative net inflows since launch still stand at $55.17 billion.

The pattern looks erratic rather than uniformly bearish. The same Bitcoin funds absorbed $730.9 million on September 3, the strongest single-day haul since January 14, 2026, before reversing hard into the September 10 outflow.

XRP’s record over a longer 20-session window tells a different story. The funds recorded just one outflow day in that span – a $7.2 million exit on September 2 – while collecting $190.5 million overall.

Bitcoin logged seven negative days across that same period, Ethereum posted three, and Solana logged four, making XRP the clear outlier in consistency among the larger crypto ETF flows tracked by SoSoValue.

Cumulative XRP ETF inflows have reached $1.70 billion since launch, with combined net assets of $1.45 billion.

The pressure on September 10 wasn’t confined to Bitcoin. Ethereum products shed $29.8 million and Solana funds lost $482,547, according to the same report. Smaller products moved the other way: Chainlink ETFs added $4.3 million, and Polkadot funds took in $663,057 – its first daily inflow since June 8.

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A longstanding XRP theory has returned to social media, as supporters share images from the 1995 science-fiction film Johnny Mnemonic featuring what they claim is the XRP logo. The discussion was reignited after a recent post by the RippleXity account, showing clips from the movie that allegedly display symbols resembling XRP’s branding.

The XRP ConnectionJohnny Mnemonic, starring Keanu Reeves, is a cyberpunk thriller based on a story by William Gibson and set in 2021. The film revolves around a data courier who stores sensitive information inside a brain implant. Its focus on digital information and futuristic graphics has continued to draw interest among cryptocurrency enthusiasts, especially in the XRP community.

Recent footage circulated by RippleXity specifically suggests the XRP logo appears multiple times throughout the film. This claim builds on a recurring theory among XRP holders, some of whom believe these graphics are more than a coincidence and may represent an early nod to the cryptocurrency, despite the film predating XRP by nearly two decades.

A resurfaced claim argues that the XRP logo can be seen in Johnny Mnemonic, even though the film predates the cryptocurrency by years. This theory, though unsupported by direct evidence, continues to gain attention because of the movie’s futuristic context and digital themes.

Louis Taylor joined in on the conversation by calling the sighting “hilarious” and sharing that a friend, who appeared in the film, jokes about inadvertently promoting XRP years before it even existed.

An Old Theory ReturnsClaims of a supposed XRP symbol in Johnny Mnemonic have circulated since at least 2020. Social media accounts such as Token Topics posted similar footage in 2021, with captions suggesting that XRP’s existence or success had been hinted at long before the token was officially created. In 2023, crypto news outlets revisited the film and the alleged connection.

Despite repeated mentions on social media and within some XRP forums, there remains no documented proof that the movie’s production team intentionally referenced XRP or its logo. The timeline itself — Johnny Mnemonic premiered in 1995, and XRP was developed in 2012 — underscores a 17-year gap between the film’s release and the token’s launch.

Mini dictionary: Johnny Mnemonic — A 1995 science-fiction movie set in a near-future world driven by digital data transfer, known for its cyberpunk visual style and themes related to technology and virtual information.

Logos, Graphics, and SpeculationJohnny Mnemonic features a wide range of made-up companies, logos, and computer-generated imagery designed to fit its futuristic narrative. Characters and organizations in the film, such as Ono-Sendai and Tessier-Ashpool, are products of science-fiction rather than reflections of real-world brands.

The repeated sharing of the supposed XRP graphic is generally interpreted within the community as an intriguing coincidence, not substantiated foresight. No official statements from the filmmakers or evidence from production sources confirm that the XRP logo was specifically referenced or included.

EventTimelineJohnny Mnemonic film release1995XRP launch2012First noted claims on social media2020–2021The theory continues to gain traction each time the film’s imagery surfaces online. Its digital themes and depiction of information networks resonate with investors and followers of XRP. The ongoing fascination highlights how cultural references to digital assets often capture the imagination, regardless of whether there is historical backing.

Currently, the claim is based solely on a visual resemblance; without direct testimony or authenticated material from those involved in the movie’s production, the suggestion remains speculative and unproven.

Although Johnny Mnemonic remains a cult favorite within tech circles, the suggested link to XRP lacks any documented confirmation and has not been substantiated by the creators of the film.

Kamilah Stevenson, a well-known market analyst, has raised concerns regarding recent claims that an upcoming upgrade to the XRP Ledger could make XRP optional and weaken its demand. She argued the reality is more complex, suggesting critics may be missing important details about how XRP requirements are handled under the proposal.

Understanding the Proposed XRP Ledger UpgradeThe proposal under discussion would allow businesses or applications to sponsor users’ XRP transaction fees and account reserves. Under this framework, users would still control their private keys and accounts, but could utilize services based on the XRP Ledger without having to purchase XRP up front.

This option has triggered debate. Detractors have pointed out that newcomers would not be required to acquire XRP solely to open an account or to hold issued assets. Kamilah Stevenson acknowledged that this visible source of retail demand might decrease if the amendment takes effect. She described it as “one kind of visible demand” that would be changed by the proposal.

Dr. Stevenson explained that, although users may no longer need to purchase XRP directly, the reserve requirement does not disappear. Instead, it shifts to the sponsoring business or application. She detailed that each account on the ledger still needs to meet a 1 XRP base reserve, and each added object, such as a trust line for an issued asset, requires 0.2 XRP.

To illustrate, she calculated that an account holding two issued assets would need 1.4 XRP in reserves. On a larger scale, 100,000 accounts would require 140,000 XRP; one million accounts would need 1.4 million XRP; and 10 million accounts would necessitate 14 million XRP to cover reserve requirements.

Number of accountsReserve per account (2 assets)Total XRP required100,0001.4 XRP140,000 XRP1,000,0001.4 XRP1,400,000 XRP10,000,0001.4 XRP14,000,000 XRPStevenson emphasized that reserve XRP is locked, not spent. When an account or ledger object is deleted, the reserve can be reclaimed, making these reserves more similar to security deposits or treasury floats, rather than an ongoing expense.

Transaction Fees Remain ModestTransaction fees remain a minor factor for business balances. With a base fee of 10 drops, or 0.00001 XRP, processing one million transactions would burn about 10 XRP. The reserve requirements consequently have far greater implications for companies building on the XRP Ledger than transaction fees themselves.

Amendment Process Demonstrates CautionDr. Stevenson also referenced the cautious XRP Ledger amendment process, noting that previous iterations of the Batch and Permission Delegation features were pulled after the discovery of security issues. These features were revised and resubmitted after concerns were addressed, instead of being rushed to deployment.

Mini dictionary: XLS-68 is a proposed technical amendment for the XRP Ledger that enables account sponsorship, allowing businesses to cover costs that would otherwise require users to obtain XRP.

Summing up, Stevenson observed that the XLS-68 upgrade should be seen as a trade-off. It could lead to a reduction in small XRP purchases by individuals at account creation, while simplifying the process for large-scale application deployments on the XRP Ledger.

Whether increased enterprise adoption results in a net increase in locked XRP or reduces the network’s overall XRP demand is, according to Dr. Stevenson, “a genuinely open question.”

Could Elon Musk’s X Money Use XRP? XRPL Foundation CTO Weighs In

Financial institutions are expanding their reach in the cryptocurrency sector, now referencing XRP alongside Bitcoin in official filings, signaling a broader shift in institutional crypto strategies.

National Bank of Canada Lists XRP ETF HoldingsA recent Nasdaq CME Crypto Index report highlighted that the National Bank of Canada has disclosed spot ETF holdings in both Bitcoin and XRP. This development is cited as evidence of institutional interest growing beyond Bitcoin within formal industry reports.

The report marks this disclosure as a key event, placing it among notable market developments tracked during the week, such as a 3% decline in the NCI and other crypto market movements. Bitcoin dropped 3.2%, ETH fell 1.9%, while SOL declined by 2.7%. Only LINK recorded positive movement, up 13.7% for the period.

The National Bank of Canada’s decision to highlight XRP ETF exposure in a section dedicated to significant institutional behavior indicates a conscious shift in attitudes towards digital asset diversification.

Other key developments in the same report included Russia expanding crypto access for non-qualified investors and crypto firms leveraging artificial intelligence services to improve security measures, highlighting the dynamic environment for digital asset adoption.

Institutional Participation Broadens Beyond BitcoinThe broader crypto community responded positively, with many observers emphasizing that institutional focus on $XRP demonstrates an evolving narrative in digital asset investment. Historically, financial institutions largely limited themselves to Bitcoin, but emerging ETF disclosures show that exposure is widening.

One market observer noted that, as institutional attention turns to XRP, the dialogue surrounding digital assets is expanding to include a wider range of tokens and products—a sign of maturation for the sector.

Further comments indicated that institutional disclosures of XRP exposure are fueling optimism for its potential long-term role within major banking portfolios.

Multiple Institutions Reveal XRP HoldingsThe National Bank of Canada is not alone in this trend. Goldman Sachs recently regained its status as the largest publicly disclosed spot XRP ETF holder in the second quarter of 2026, controlling 84 million tokens, representing $87.4 million spread across five XRP ETF products.

Trading giant Jane Street Group also declared positions across several XRP ETFs in its Q2 filings. The company’s holdings included over 1.2 million shares of the Bitwise XRP ETF, signifying deep participation in the XRP fund ecosystem.

Jane Street’s involvement is particularly notable given its primary role as a market maker, indicating a structural commitment rather than a modest portfolio allocation.

These filings are part of a pattern, as Q2 2026 saw more institutional XRP ETF disclosures than any previous quarter. This surge comes from a mix of trading firms, commercial banks, and private equity funds entering the sector.

Shifting Market InfrastructureTechnological advances are driving the evolution of institutional investment strategies. While investors historically depended on brokerage intermediaries to gain access to traditional assets, a new wave of financial infrastructure is emerging.

Wall Street is increasingly adopting Web3 platforms, allowing investors to hold shares of leading U.S. companies, gold, and silver directly in their crypto wallets. Tokenization platforms such as 1stepSwap enable users to acquire and store real-world assets within digital wallets, removing middlemen by automatically matching investors with optimal market prices within seconds.

As this shift continues, institutional engagement with assets like XRP is likely to accelerate, reflecting a growing appetite for diversification and innovation across the digital asset landscape.

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XRP is becoming increasingly embedded in regulated financial markets, with new developments spanning ETF flows, derivatives infrastructure and institutional ownership. Canadian-listed XRP ETF options are now explicitly covered by a framework allowing their offer and sale in the United States, while federal rules continue to place XRP alongside Bitcoin, Ether and Solana for certain exchange-listed investment products.

The expansion comes as U.S. spot XRP ETFs show unusually resilient demand. XRP funds attracted fresh capital on September 8 even as Bitcoin, Ethereum and Solana ETFs recorded outflows, adding to a longer run of institutional accumulation. At the same time, comments from Ripple CTO emeritus David Schwartz have revived discussion over just how large XRP could eventually become if adoption continues to accelerate.

XRP ETF Options Gain a Clearer Route Into the U.S. A Canadian Derivatives Clearing Corporation filing has put XRP alongside some of the largest cryptocurrencies in another corner of regulated finance. The document lists options on the Evolve XRP ETF and Purpose XRP ETF among Montréal Exchange contracts covered by CDCC’s Form S-20 registration for offer and sale in the United States.

The development does not mean that new XRP options have launched directly on a U.S. exchange. The contracts remain listed in Canada and are cleared through CDCC. Instead, the filing establishes a regulated cross-border structure through which eligible U.S. market participants can access options tied to Canadian XRP ETFs.

That distinction matters because XRP is gradually gaining exposure across several layers of traditional market infrastructure rather than relying primarily on offshore crypto derivatives. Earlier 2026 SEC exhibits had already included options on the Evolve and Purpose XRP ETFs, so the latest filing reinforces an existing regulatory pathway rather than representing an entirely new approval.

XRP is also being grouped with larger digital assets elsewhere in federal market rules. A separate Federal Register filing identifies Bitcoin, Ether, Solana and XRP as assets currently qualifying under generic listing standards for commodity-based trust shares.

The classification should not be interpreted as a blanket determination of XRP’s status in every regulatory context. For investment-product infrastructure, however, it shows XRP increasingly appearing beside BTC, ETH and SOL when exchanges and regulators establish rules for listed crypto products.

Institutional XRP Trading Is Moving Beyond Spot ETFs The cross-border options development adds to an institutional derivatives market that has already expanded rapidly. CME XRP futures and options generated approximately $13 billion in notional volume during the first quarter of 2026, while cumulative XRP futures volume later surpassed $62 billion.

Those figures point to a broader shift in how professional investors can gain XRP exposure. Spot ETFs provide direct investment access, while futures and options give institutions tools to hedge positions, express directional views and manage risk without relying exclusively on crypto-native exchanges.

This infrastructure can also make XRP more practical for larger portfolios. Institutional investors typically require liquid derivatives and regulated custody or investment vehicles before committing significant capital to an asset. XRP’s growing presence across ETFs, futures and options therefore matters even when individual product launches do not immediately affect its price.

For readers following the latest XRP news, the trend has become increasingly consistent: XRP is gaining more of the market infrastructure that previously developed around Bitcoin and Ethereum.

XRP ETFs Defy Broader Crypto Fund Outflows Recent ETF flows provide another indication that investor interest is holding up. U.S. spot XRP ETFs recorded $1.55 million in net inflows on September 8, while the other major crypto ETF categories experienced withdrawals.

XRP ETFs stood apart from the broader crypto market with positive net inflows on September 8. Source: SoSoValue

Bitcoin ETFs recorded approximately $46.65 million in outflows, Ethereum funds lost around $24.29 million and Solana products posted roughly $668,000 in withdrawals. The $1.55 million entering XRP products was relatively small by itself, but the direction of flows separated XRP from the rest of the major crypto ETF market during the session.

That divergence follows a stronger accumulation trend. XRP ETFs previously recorded an 11-session inflow streak that brought approximately $170 million into the products, while their strongest week of 2026 generated $110.49 million in new capital. Cumulative inflows had reached roughly $1.66 billion to $1.68 billion around the beginning of September.

Institutional ownership has also become more visible. Goldman Sachs emerged as the largest disclosed XRP ETF holder at approximately $87.4 million, while firms including Jane Street and Millennium Management have also appeared among significant reported holders.

One trading session does not establish a permanent rotation from Bitcoin or Ethereum into XRP, particularly because the Bitcoin ETF market remains substantially larger. The persistence of XRP inflows is nevertheless becoming more notable because demand has continued through periods when broader crypto investment products have struggled to attract capital.

XRP Price Strengthens Alongside ETF Demand The latest positive ETF flows have also coincided with an improvement in XRP’s market price. XRP traded around $1.43 on September 9, gaining approximately 2.7% over 24 hours and 7.4% over seven days, while daily trading volume stood near $2.87 billion.

That relationship has not always been straightforward. Earlier periods of record XRP ETF inflows occurred alongside declining prices and pressure from rising Treasury yields, showing that institutional fund demand alone is not sufficient to determine short-term market direction.

The latest period presents a more supportive combination. ETF flows have returned to positive territory while XRP itself has moved higher, potentially giving investors a clearer indication that institutional buying and spot-market demand are working in the same direction.

Ownership concentration remains another factor worth monitoring as institutional participation increases. Data on the biggest XRP holders provides additional context on how the token’s supply is distributed across major addresses as the investor base evolves.

David Schwartz Revives the XRP-Bitcoin Flippening Debate The growth of regulated XRP products has arrived at the same time that David Schwartz has revived one of the cryptocurrency’s most ambitious long-term debates. The Ripple CTO emeritus recently said he believes XRP could eventually overtake Bitcoin by market capitalization.

Schwartz’s argument was not based on Bitcoin collapsing. Instead, he suggested that the overall digital asset market could become much larger, allowing both cryptocurrencies to appreciate while XRP grows faster because of the XRP Ledger’s functionality and speed.

The current numbers show how ambitious that scenario remains. Bitcoin’s market capitalization stands at approximately $1.58 trillion compared with roughly $88.9 billion for XRP, making Bitcoin about 17.7 times larger.

With approximately 62.74 billion XRP circulating, matching Bitcoin’s current market capitalization would require a price near $25.10 per XRP, assuming Bitcoin’s valuation remained unchanged. That calculation is not a price target. Any increase in Bitcoin’s market capitalization would raise the XRP price required to overtake it.

The gap also looks considerably wider than it did during XRP’s previous peak relative to Bitcoin. On January 1, 2018, XRP was the world’s second-largest cryptocurrency, with a market capitalization of approximately $92.6 billion compared with Bitcoin’s $229.1 billion. XRP was worth roughly 40% as much as Bitcoin at that point, versus only about 5.6% today.

XRP’s Institutional Case Is Getting Stronger, but the Gap With Bitcoin Remains Huge The flippening discussion remains highly speculative, but the institutional developments behind it are more concrete. XRP now has growing spot ETF demand, an expanding CME derivatives market and Canadian ETF options operating within a regulated cross-border framework.

The key question is whether those developments translate into sustained capital inflows rather than simply more ways to trade the asset. XRP’s recent ability to attract ETF money while competing crypto funds experience withdrawals provides an encouraging signal, but closing the enormous valuation gap with Bitcoin would require adoption on a dramatically larger scale.

For now, the more significant development is not whether XRP can overtake Bitcoin. It is that XRP continues to move closer to the regulated market structure already surrounding the industry’s largest digital assets, giving both institutional and traditional investors more ways to gain exposure than at any earlier point in its history.

Algorand, a blockchain known for its focus on scalable and secure financial applications, introduced native Falcon-1024 quantum-resistant accounts on its mainnet in August. While Algorand’s move signals progress toward quantum safety, experts pointed out that the network’s transition is not yet complete since many critical elements still rely on Ed25519 cryptography, which is not quantum-secure.

Quantum security initiatives on Algorand and RippleFalcon-1024, a post-quantum signature scheme, underpins Algorand’s recent efforts. State proofs have incorporated the algorithm since 2022. With the v5.0.0 upgrade, support for Falcon-1024 accounts was officially activated around August 20 this year.

In the first several weeks following activation, users created approximately 1,800 Falcon-powered quantum-resilient accounts, which processed over 1.2 million transactions. These accounts coexist with traditional Ed25519 accounts, and transactions using Falcon-1024 carry higher network fees—three times the minimum compared to classic accounts. Algorand Foundation’s current roadmap points to 2027 for broader quantum resilience, including post-quantum VRFs (Verifiable Random Functions) and consensus mechanisms.

Mini dictionary: Falcon-1024 is a post-quantum digital signature algorithm developed to withstand quantum computer attacks that could compromise widely used cryptographic schemes.

An Algorand user named Todd acknowledged on community channels that while two core post-quantum components are functional, the most challenging segment—consensus and network-wide implementation—remains a work in progress. Algorand currently leads in deploying post-quantum (PQ) accounts, but the transition across the full protocol stack is still ongoing.

BlockchainQuantum-Resistant Accounts LiveMain Consensus StatusFull Network PQ TargetAlgorandYes (since Aug. 2023)Partly (Ed25519 still used)2027Ripple (XRPL)NoNot yet post-quantum2028EthereumNoNot yet post-quantum2029 (estimated)Ripple’s broader audit and roadmapRipple, the company behind XRP Ledger (XRPL), is also prioritizing quantum security. Ripple is funding research by Project Eleven to examine various aspects of security, including validation, custody, networking, and wallet technology instead of focusing solely on account signatures. Ripple’s planned roadmap includes hybrid quantum-classic testing around 2027, aiming for full post-quantum readiness by 2028. This timeline is a contributor-provided estimate and has not been ratified as an official amendment on the XRPL site.

A feature of the XRP Ledger called RegularKey allows users to rotate signing keys without changing their account address, making key management more flexible if large, post-quantum signature schemes are adopted. XRPL developers have experimented with ML-DSA and Dilithium (both post-quantum candidates) on AlphaNet, but production deployment is still pending.

Mini dictionary: ML-DSA and Dilithium are advanced cryptographic signature schemes designed to be secure even if quantum computers become powerful enough to break today’s standard public-key cryptosystems.

While Algorand boasts early adoption of quantum-resistant accounts, Ripple focuses on conducting comprehensive security reviews before rolling out similar updates to mainnet. Ethereum, another major blockchain, maintains a public timeline around 2029 for its own quantum resistance measures.

Debate among blockchain communities has shifted from which project first discussed quantum resilience to which ones are actually upgrading signatures, consensus, and validator software ahead of future quantum computing threats.

Security implications and industry outlookExperts have emphasized that quantum risk revolves around the potential for “harvest now, decrypt later” attacks, where malicious actors collect public keys today and only decrypt assets once quantum hardware becomes available. Deploying Falcon-powered accounts closes part of that risk window, but consensus mechanisms built on elliptic curve cryptography remain vulnerable.

The distinction between Algorand and XRPL’s approaches lies in implementation: Algorand has prioritized early access and transaction counts for Falcon-based accounts, whereas XRPL’s strengths include audit breadth and key-rotation flexibility. Both projects continue to work toward full post-quantum readiness, but neither has completed the migration at the consensus layer.

Industry analysts believe that full quantum resistance across blockchain protocols is still several years away. Collaboration between projects may ultimately accelerate robust, sector-wide upgrades.

Until protocols move consensus and signature schemes to post-quantum cryptography, networks remain vulnerable, regardless of advances in wallet security.