Jim Ferraioli, ředitel výzkumu a strategie digitálních měn ve Schwab Center for Financial Research, řekl, že se XRP Ledger mění z platební sítě v síť pro transakce se stablecoiny. Data ukazují, že RLUSD má na XRPL větší objem nabídky než na Ethereu.
Jim Ferraioli (@jimferraioli), Director of Digital Currencies Research and Strategy at the Schwab Center for Financial Research, has offered a pointed view on how major blockchain networks are carving out distinct roles in crypto. Speaking on the Thinking Crypto podcast, he said the XRP Ledger is making the shift from a payments network to more of a stablecoin transaction network.
Each chain finds its niche Ferraioli discussed how different blockchain networks are specializing in distinct use cases as the crypto industry consolidates, noting that he thinks everyone is going to find their niche. In his framework, Ethereum remains the dominant general-purpose smart-contract blockchain for tokenized real-world assets, while Solana aligns more with active trading due to its high transaction throughput. Tron, meanwhile, was described as a pure stablecoin play. The comments reflect a broader institutional view that blockchain competition is increasingly about specialization rather than winner-takes-all dominance.
$RLUSD supply tilts toward XRPL On-chain data backs up Ferraioli's characterization. @Ripple has gradually shifted its attention to the XRP Ledger by reducing $RLUSD supply on Ethereum and increasing it on XRPL, achieved through large token burns on Ethereum alongside substantial minting activity on the XRP Ledger. The shift marks a significant change from RLUSD's launch in December 2024, when most of the stablecoin's supply was on Ethereum.
$RLUSD supply on the XRP Ledger overtook Ethereum on June 26, 2026, and has held the lead since. As of July 11, the XRP Ledger held about 863.2 million RLUSD versus Ethereum's 676.1 million, a 56.1% to 43.9% split, according to DefiLlama on-chain data. Current figures cited in the original report place $RLUSD supply at $818 million on XRPL against $681 million on Ethereum, with the roughly $1.5 billion total shrinking since June as Ripple continued burning on Ethereum and minting on XRPL. With XRPL now holding the largest share of the RLUSD supply, the data provide a concrete example of the stablecoin-focused evolution Ferraioli described.
Sources:
The Crypto Basic: Charles Schwab Crypto Exec Says XRP Ledger Is Evolving Into a Stablecoin Network
TheStreet Crypto: RLUSD supply on XRP Ledger vs. Ethereum breakdown
The Crypto Basic: XRP Ledger Processes $4.28B in Stablecoin Transfers as RLUSD Dominance Grows
National Bank of Canada v podání SEC uvedla držbu XRP ETF a ETF na Bitcoin v hodnotě zhruba 6,98 milionu USD. Největší expozice byla v ProShares Bitcoin ETF za asi 5,31 milionu USD.
National Bank of Canada just revealed that it holds millions of dollars in crypto ETFs, such as an XRP ETF, and several Bitcoin ETFs, in its latest SEC Form 13F filing. The disclosure follows the Grayscale’s XRP Trust ETF reports considerable XRP sales in the initial half of 2026.
National Bank of Canada Reports XRP ETF, Bitcoin ETF Holdings The filing reveals that National Bank had 3,848 shares in the Bitwise XRP ETF, worth about $330,000 at the date of the filing. It was announced in conjunction with the bank’s investments in several Bitcoin exchange-traded products.
The largest exposure to cryptocurrencies that National Bank reported was in the ProShares Bitcoin ETF, which consisted of 42,321 shares valued at about $5.31 million.
The bank also owned 55,644 shares of the Fidelity Wise Origin Bitcoin Fund worth approximately $1.09 million. It had 6,831 shares of the Grayscale Bitcoin Trust ETF, representing around $150,000 in Grayscale Bitcoin exposure.
The submission also revealed 2,596 shares of the Grayscale Bitcoin Mini Trust ETF with a reported value of approximately $100,000.
The combined value of the disclosed holdings in both XRP and Bitcoin is approximately $6.98 million, as per the filing’s values.
Grayscale XRP ETF Sells $180M In XRP The institutional disclosure follows Grayscale’s XRP Trust ETF disclosure of massive XRP sales.
According to recent filings, Grayscale has sold $180.78 million worth of XRP in the first half of 2026. These transactions were comprised of approximately 103.41 million XRP to satisfy investor redemptions.
The sales also impacted the trust’s NAV since the price of XRP has been falling during the same time. Grayscale reported over $34 million of realized losses on the sale of XRP.
Coreum cross-chain bridge při 97minutovém útoku přišel asi o 200 000 XRP. Podle analýzy útočník zneužil chybnou kontrolu při ověřování vkladů, nikoli prolomení klíčů.
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Two days after the incident, it emerged that the Coreum cross-chain bridge lost around 200,000 XRP during a 97-minute attack. Initial theories on social media linked the incident to a vulnerability in the XRP Ledger's "rippling" function.
However, an analytical report from xrpl.to showed that the bridge effectively robbed itself by blindly trusting the attacker's transactions.
How 200,000 XRP got lostNative XRP has no issuer or trust lines, so rippling is technically impossible for it. Moreover, every malicious payment was signed using the bridge's own legitimate multisignature, with a quorum of 17 out of 28 relayer keys, or validators. The hacker did not compromise the keys but simply created the illusion of a deposit for the validators.
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First, the attacker moved their own wrapped tokens, or wrapped-CORE, between wallets they controlled, with a memo containing transfer details for Coreum attached to these transactions. Because the wrapped tokens had been issued by the bridge itself, the transfers appeared in its transaction history without any problems.
Transaction mechanism analysis of the Coreum bridge exploit on the XRP Ledger, Source: xrpl.toThis was where the system's blind spot came into play. The relayer operators checked only whether a transfer had occurred and what was written in the memo field, while completely ignoring the recipient address.
A check confirming that the funds had actually been sent to the bridge's wallet had simply never been added to the relayer code.
As a result, Coreum accepted the fake deposits and credited the hacker with a balance on its network. The attacker then requested a regular withdrawal, and the validators signed the transactions sending 200,000 real XRP from the bridge's XRPL wallet without hesitation.
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The team responsible for the bridge's security has a long history of rebranding. It initially created the Sologenic (SOLO) project on the XRPL, then launched its own Layer 1 blockchain, Coreum, and in March 2026 merged both ecosystems under the U.S. brand TX, focused on the tokenization of real-world assets (RWAs).
The fact that a regulated U.S. company claiming institutional status could make such a basic mistake in its cross-chain verification logic damages TX's reputation more than the amount lost.
It moves the question of who is to blame from the realm of a random bug to that of systemic quality control within the company.
What is happening to the tokens now?At the time of writing, the TX team had still not released an official post-mortem report. The Coreum bridge remained completely suspended.
The hacker's identity remains unknown, but on-chain trackers are already seeing a classic attempt to cover their tracks. The stolen XRP is being rapidly distributed through a chain of transit wallets that were created a month and a half before the attack.
Velcí držitelé přikoupili za posledních sedm dní přes 380 milionů XRP a jejich zásoba vzrostla na zhruba 8,1 miliardy tokenů. XRP se drží nad podporou $1,00, zatímco hlasování o CLARITY Act bylo odloženo na polovinu září.
TLDR XRP traded near $1.03 to $1.04 on August 10, 2026, staying above its $1.00 support level. The CLARITY Act vote has been pushed to mid-September, removing a near-term catalyst. Whales added more than 380 million XRP in the past seven days, bringing total holdings to about 8.1 billion tokens. US-listed XRP spot ETFs hold close to $1 billion in assets, with $1.51 billion in cumulative inflows. Aviva Investors tokenized its USD Liquidity Fund on the XRP Ledger, adding to rising institutional activity. XRP traded between $1.03 and $1.04 on August 10, 2026. The token has held above its $1.00 support level for 632 straight days.
That streak started in November 2024, after the SEC dismissed its case against Ripple Labs. Since then, $1.00 has acted as a floor during both rallies and pullbacks.
The main event traders were watching, the CLARITY Act vote, has now moved to around September 15. The bill needs 60 votes to advance, and Senate Majority Leader John Thune scheduled it after the August recess.
Grayscale research chief Zach Pandl said the odds of the bill passing in 2026 look thin given election-year politics. That leaves XRP without a clear regulatory catalyst for now.
Whale Buying and ETF Flows Large XRP holders bought more than 380 million tokens over the past week. Total whale holdings now sit near 8.1 billion XRP, about 13% of the circulating supply.
XRP Price on CoinGecko On-chain tracker RippleXity said this buying has concentrated around the $1.00 level. US spot XRP ETFs now hold close to $1 billion in assets, with $1.51 billion in inflows since launch.
Momentum readings differ depending on the source. One daily RSI reading sits in the high 30s to 40, while a separate Coinglass-based reading puts XRP’s RSI near a neutral 50, lower than Bitcoin, Ethereum, Solana, and BNB, which all look overbought.
A liquidation heatmap from Coinglass shows a cluster of orders built up between $1.06 and $1.07 this week. That cluster formed even as price dipped toward $1.00.
Institutional Activity on XRPL Aviva Investors posted on X, through the account BankXRP, that it tokenized its USD Liquidity Fund on the XRP Ledger. The post said the fund now offers a tokenized share class aimed at institutional investors.
Real-world asset value on XRPL has grown more than 28% over the past 30 days. Stablecoin market cap on the network rose over 12% in 24 hours, pushing total stablecoin value close to $1 billion.
Analyst Ali Martinez pointed to a Tom DeMark Sequential buy signal on XRP’s monthly chart. He said a monthly close above $1.06 could open a path toward $1.35 and then $1.64.
2/5 The Tom DeMark Sequential has flashed a buy signal on XRP’s monthly chart, hinting at a possible macro shift from bearish to bullish momentum.
Over the past six years, this indicator has marked several major XRP reversals:
• April 2020 buy signal: 1,074% rally
• August… pic.twitter.com/XKhGapPolP
— Ali Charts (@alicharts) August 9, 2026
Analyst Dark Defender flagged an oversold RSI reading after last week’s dip, calling it a possible setup for a sharp bounce once price clears $1.05. Crypto commentator Gerla said a reclaim of $1.08 could trigger a fast reversal higher.
XRP still trades below its 50-day EMA near $1.10, its 100-day EMA near $1.18, and its 200-day EMA near $1.37. All three sit above current price.
Traders are also watching two macro events this week. US inflation data for July lands August 12, followed by remarks from Cleveland Fed President Beth Hammack and Richmond Fed President Thomas Barkin on August 13.
Ripple podpořil dva návrhy XRP Ledgeru, XLS-65 a XLS-66, které mají v protokolu zavést single-asset vaulty a pevné institucionální půjčky. Aktivace ale vyžaduje přes 80% podporu validátorů dva týdny po sobě.
Ripple has voted to support two XRP Ledger amendments designed to introduce single-asset vaults and fixed-term institutional lending directly at the network’s protocol level.
Summary
Ripple’s validator voted “yes” on XLS-65 and XLS-66, supporting native vaults and lending. XLS-65 has reached 40% validator support, while XLS-66 has secured more than 37%. Both amendments require over 80% support for two consecutive weeks before activation. The framework could support loans funded with XRP, RLUSD, and other XRPL-issued assets. Ripple’s validator has backed the Single Asset Vault and Lending Protocol amendments as voting continues among trusted XRP Ledger validators.
🚨BREAKING: RIPPLE VOTES TO ADVANCE SINGLE ASSET VAULT (XLS-65) AND LENDING PROTOCOL (XLS-66)
Ripple voted in favor of Single Asset Vault (XLS-65) and Lending Protocol (XLS-66) amendments, moving them closer to enabling on the XRP Ledger.
Meanwhile, 39% of validators have now… pic.twitter.com/nKGaagryP2
— Rednirav (@CryptoRednirav) August 10, 2026 XLS-65, which would introduce Single Asset Vaults, has reached approximately 40% support. XLS-66, covering the proposed Lending Protocol, has received more than 37% support, according to the latest voting data.
The current totals remain well below the activation threshold. An amendment must maintain support from more than 80% of trusted validators for two continuous weeks before it can become active on the XRP Ledger mainnet.
Based on the current default Unique Node List configuration, the proposals would need support from at least 28 of 35 validators. Ripple’s vote therefore moves the amendments forward but does not establish an activation date.
The vote follows the amendments’ entry into the formal validator process earlier this year. As crypto.news previously reported, XLS-65 and XLS-66 are intended to provide lending infrastructure at the ledger level rather than through external smart contracts.
Validators can independently decide whether to support an amendment. Ripple’s vote carries attention because the company remains a major contributor to XRPL development, but it cannot activate the proposals by itself.
How XLS-65 and XLS-66 would work XLS-65 would establish a standard structure for pooling one type of asset from multiple depositors. A vault could hold XRP, Ripple USD (RLUSD), or another token issued on XRPL while giving depositors proportional shares representing their claims on the pooled assets.
The vault could then supply liquidity to other services, including the proposed Lending Protocol.
XLS-66 would use liquidity held in those vaults to fund fixed-term loans. Unlike many decentralized lending markets, the proposed system would not require every borrower to provide more collateral than the value of the loan.
Institutions would instead conduct credit checks, compliance reviews, legal assessments, and underwriting off-chain. The XRP Ledger would manage the agreed loan terms, including interest, repayment schedules, servicing, and default records.
Loan brokers would connect borrowers with vault liquidity and manage the credit relationship. A first-loss capital mechanism could absorb an initial share of losses if a borrower defaults, offering some protection to vault depositors.
The separation between off-chain underwriting and on-chain execution is meant to accommodate regulated lenders that cannot rely entirely on anonymous borrowers and automated liquidations. For U.S. institutions, using the protocol would not remove obligations arising from lending, securities, consumer protection, sanctions, or anti-money laundering rules.
Instead, the ledger would serve as settlement and record-keeping infrastructure after participating institutions complete the required checks.
Security review clears major lending flaws The lending code has undergone several security reviews ahead of the validator decision.
Blockchain security firm Halborn completed a re-audit covering transaction checks, accounting rules, access controls, parameter limits, and consistency between protocol states. The review found no critical or high-risk vulnerabilities.
Halborn identified five issues: one medium-risk finding, two low-risk findings, and two informational findings. Ripple addressed, accepted, or acknowledged all five, according to the audit report.
“We are proud to share that we have completed our XRP Ledger Lending Protocol Re-Audit for Ripple,” Halborn said when announcing the review.
The medium-risk issue involved a way loan interest could cause a vault to exceed its maximum asset limit. Ripple resolved that finding, along with a low-risk issue involving a missing freeze check.
The audit does not eliminate default, underwriting, liquidity, or implementation risks. However, it cleared another technical requirement as validators assess whether the amendments are ready for mainnet use. crypto.news covered the re-audit in June.
XRP Ledger applications prepare for activation Developers are already testing possible applications on XRPL’s Lending DevNet while the amendments await approval.
Yield protocol SOIL has said it plans to become one of the first applications built on the Single Asset Vault and Lending Protocol framework. Its proposed products include lending markets, yield strategies, and tokenized fixed-income instruments.
A demonstration showed users depositing assets into separate vaults and receiving tokens representing their proportional ownership. However, the system remains in a development environment and cannot launch on the mainnet unless validators approve both amendments. crypto.news previously reported on SOIL’s preparations.
Ripple-backed XRP treasury company Evernorth has also identified the lending framework as a possible way to earn institutional-grade returns on its holdings. Actual yields would depend on borrower demand, credit quality, vault terms, and protocol adoption after launch.
The vote comes alongside the release of XRP Ledger version 3.3.0, which includes work on lending, confidential transfers, transaction batches, sponsored fees, and configurable token features. Those changes also require validator approval and should not be treated as active mainnet functions solely because their code has been released.
As crypto.news reported, node operators must upgrade their software and consider each amendment separately.
XRP traded near $1.02 at the time of writing, down about 2.2% over 24 hours and 5.7% during the past week. The validator vote did not produce an immediate positive price reaction, suggesting traders remain focused on whether the amendments can reach the required threshold and generate real lending demand after activation.
Robinhood rozšířil britskou aplikaci o více než 50 kryptoměn včetně Bitcoin, Ethereum, XRP a Hyperliquid. Současně spustil AI nástroj Cortex Digests for Crypto pro vysvětlování pohybů trhu.
Robinhood has expanded its UK investing app into crypto, giving eligible customers access to more than 50 digital assets while adding an AI-powered tool to explain market moves.
UK customers can now buy and sell more than 50 cryptocurrencies, including Bitcoin, Ethereum, XRP and Hyperliquid, through Robinhood’s main app. The service operates through Bitstamp UK, the crypto exchange Robinhood acquired for $200 million last year.
The company said there are no trading, custody or account maintenance fees. Customers will instead pay a 0.1% foreign exchange fee when converting currencies, while some weekend conversions carry a 0.3% fee.
The rollout follows Robinhood’s registration with the Financial Conduct Authority (FCA) on July 31. Bitstamp UK is also FCA-registered. Crypto assets held through the service are not covered by the Financial Services Compensation Scheme or the Financial Ombudsman Service.
Cortex brings AI into crypto tradingAlongside the trading launch, Robinhood is introducing Cortex Digests for Crypto. The generative AI feature reviews breaking news, market data, technical indicators and Robinhood’s own insights to explain what may be driving price movements.
The vision is to give users a simple market summary without making them dig through multiple sources.
Robinhood expands its crypto ecosystemThe company is also pushing its blockchain business through Robinhood Chain, a Layer 2 network built using Arbitrum technology. Robinhood said the network has recorded more than $18 billion in decentralized exchange trading volume and over $840 million in total value locked since its July 1 launch.
Developers, including those in the UK, can build applications on the network.
UK rules will tighten furtherRobinhood’s launch comes before the UK’s new crypto authorization regime. Applications are expected to open in September 2026, with the new framework scheduled to take effect in October 2027. Robinhood’s current FCA registration will not replace the authorization required under that future system.
The UK expansion also comes as Robinhood’s crypto transaction revenue fell 38% year over year to $100 million in Q2 2026. Still, total revenue rose 32% to $1.31 billion, while prediction-market revenue reached $156 million.
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Ripple integroval XRP do firemních treasury procesů přes GTreasury, takže korporace mohou XRP držet, přijímat i spravovat přímo v systému. GTreasury loni zpracovala platby za 13 bilionů USD.
Corporate treasuries handle extensive volumes of cash management each year, and for the first time, XRP can now be managed directly within the same systems these teams use daily. This development is set to significantly expand XRP’s role in enterprise finance operations.
XRPL integration through GTreasuryGTreasury, a well-established treasury management platform serving more than 1,000 corporate clients across 160 countries, has integrated Ripple Treasury into its system. In 2025, these clients processed $13 trillion in payments through the platform. Ripple has enhanced this infrastructure by introducing Digital Asset Accounts, empowering corporate treasury departments to hold, receive, and manage XRP directly alongside traditional fiat currencies.
This workflow allows companies to transfer cash into Ripple Treasury, move funds into Digital Asset Accounts, convert balances into XRP, and manage these assets within their existing platforms. These capabilities enable connection to cross-border settlements, liquidity management, and tokenized asset functions. As a result, XRP becomes part of basic treasury management, no longer existing as a separate or external product.
Mini dictionary: GTreasury – A global treasury management system providing software for cash and liquidity management, payments, and risk management for corporations worldwide.
GTreasury and Ripple Prime will reportedly bring significant XRP usage to the corporate and institutional sectors in the coming months, with XRP’s role extending far beyond payments alone.
Ripple Prime expands institutional adoptionRipple Prime, the prime brokerage division of Ripple, now serves over 300 institutional clients with more than $3 trillion in annual clearing volume. Institutions can acquire XRP over-the-counter, include it in their portfolios, and employ it for margin structures. The broader strategy positions XRP not only for payments, but also as a bridge for liquidity, FX conversion, and cross-border settlement, while eliminating the need for pre-funded nostro accounts.
The combined use of GTreasury and Ripple Prime streamlines the transaction flow: fiat currency converts to XRP, moves cross-border over the XRP Ledger, and is then converted back to the required local fiat. This system maximizes settlement efficiency and provides 24/7 asset availability for high-volume institutional clients.
Mini dictionary: Nostro account – A bank account held by one bank in another bank in a foreign country, typically used to facilitate foreign exchange and international transactions.
Market expectations and growth forecastMarket analysts highlight this evolving use of XRP within both corporate and institutional finance as a core reason for potential future growth. Ripple Treasury targets the corporate segment, while Ripple Prime focuses on institutional clients, both leveraging XRP as a settlement, liquidity, collateral, and reserve asset through the XRP Ledger.
According to projections shared by industry commentators, XRP adoption is expected to follow a multi-stage trajectory through 2030. Key milestones include the rollout of Digital Asset Accounts, full-scale integration within treasury platforms, and rapid expansion of cross-border payment use cases. The vision for XRP ultimately involves its positioning as a global liquidity reserve asset for multinational transactions.
Product/DivisionTarget ClientsAnnual VolumeKey FeaturesRipple Treasury via GTreasuryCorporate (1,000+ clients, 160 countries)$13 trillionDigital Asset Accounts, direct XRP managementRipple PrimeInstitutional (300+ clients)$3 trillion clearingOTC XRP access, bridge liquidity, FX conversion“XRP isn’t just a crypto asset. It’s the future of global finance.” This statement serves as the summary for Ripple’s expansion thesis, underscoring the anticipated transformation in asset handling and settlement processes.
X Finance Bull, an online commentator focusing on financial technology, claimed that this integration and increased real-world utility are not yet fully reflected in current market prices for XRP. The emphasis is on practical adoption and the sizable financial flows already enabled by the updated platform infrastructure.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Grayscale’s XRP Trust v 1. pololetí 2026 prodal XRP za více než 180 milionů USD kvůli vlně odkupů. Fond odprodal asi 103 milionů XRP a vykázal ztrátu kolem 34 milionů USD.
Grayscale’s XRP Trust has disclosed that it sold over $180 million worth of XRP during the first half of 2026, following a spike in investor redemptions. The regulatory filing, dated through June 30, indicates the fund offloaded approximately 103 million XRP tokens within this six-month period.
Redemptions Drive Major XRP OutflowsTo meet redemption requests from investors, the trust had to liquidate a significant portion of its XRP holdings. The realized losses from these sales totaled about $34 million, while unrealized losses continue to remain on the books due to the lower residual market value of its remaining assets.
Grayscale’s trust mechanism delegates creations and redemptions to authorized participants. As a result, XRP was sold mechanically, rather than by discretionary decisions from Grayscale’s managers, reflecting the fund’s open-ended structure.
New contributions and inflows during the period failed to keep pace with large-scale withdrawals, leading to a marked reduction in both the trust’s XRP balance and overall net asset value.
Wider Market Impact and XRP Price MovementsThe large redemptions from Grayscale’s XRP Trust coincided with notably weaker sentiment across XRP-related investment products. Other funds linked to XRP have also recorded significant outflows, while trading activity in derivatives markets has waned. Over the same period, XRP’s price hovered in a narrow range near $1.05 to $1.07, with market participants closely tracking the $1 level for signals of either renewed buying or further declines.
This pattern underscores how redemption-driven selling can translate into substantial spot market pressure on underlying cryptocurrencies. In assets with lighter liquidity or stronger sentiment swings, such selling may accelerate price moves to the downside.
The regulatory update confirms that escalating redemptions required mechanical sales of over 100 million XRP, resulting in $34 million in realized losses for the trust, with further unrealized losses unsettled in the portfolio.
Blockchains, Real-World Integration, and Market InnovationWhile the XRP Trust navigates outflows and price volatility, the broader market continues to advance with new platforms facilitating more seamless access to both digital and traditional assets. For instance, 1stepSwap offers investors a streamlined way to hold real-world assets—including shares of major U.S. companies and commodities like gold and silver—directly in their crypto wallets. The key innovation lies in the platform’s ability to source the best available market price instantly, letting users transact leading global equities and diversify portfolios quickly and efficiently without the need for intermediaries or complex processes.
Industry analysts caution that ongoing changes in investor flows, coupled with the emergence of new on-chain solutions for holding traditional assets, could shape how capital migrates within both the crypto and broader financial ecosystem.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple se připojil k britské vládní pracovní skupině, která má pilotně ověřit tokenizaci na blockchainu na repo trhu. Projekt míří na trhy v hodnotě 33 miliard GBP a první ostrý pilot má přijít na jaře 2027.
Dr. Kamilah Stevenson reported that Ripple has joined a UK government initiative aimed at modernising wholesale financial markets using blockchain technology. She described this development as more significant than a standard business partnership, given the involvement of government bodies in shaping future market standards.
UK Treasury leads digital market modernisationStevenson highlighted the role of the UK Treasury’s Wholesale Digital Markets Taskforce, which has been tasked with establishing operational guidelines for the tokenisation of institutional finance. This effort seeks to lay the foundation for integrating distributed ledger technology across key components of the financial system.
According to Stevenson, Ripple is involved in the taskforce’s tokenisation plans and collaborates with the government-appointed Wholesale Digital Markets Champion. She emphasized that government participation is crucial because standards set at this level could shape how banks, funds, and infrastructure providers operate for years to come.
Ripple is supporting the UK government’s initiative on tokenisation strategy, with Treasury involvement potentially influencing the standards financial institutions will follow in the future.
Major tokenisation initiative targets repo marketsA government plan cited by Stevenson estimates the initiative’s potential value at approximately £33 billion, with a projection of £14 billion in extra annual tax revenue by 2035. These figures suggest that UK officials view tokenised markets as a key economic priority, moving beyond simple technology trials to large-scale policy projects.
The initiative is expected to debut in the repurchase agreement (repo) market, targeting testing and a live pilot for spring 2027. Repo markets play a central role in daily bank funding, involving short-term loans in which institutions swap securities, like government bonds, for cash before reversing the transaction.
Transferring repo processes to a blockchain could reduce the need for manual reconciliation, streamline the transfer of collateral, and enable immediate ownership updates. However, successful market adoption would depend on legal clarity, dependable technology infrastructure, and broad industry participation.
Mini dictionary: Repurchase agreement (repo) — A short-term borrowing mechanism in which financial institutions sell securities and agree to repurchase them at a later date, commonly used to manage day-to-day funding and liquidity needs in the banking sector.
MetricEstimated Value/ProjectionInitiative’s potential value£33 billionProjected annual tax revenue by 2035£14 billionFirst live pilot target dateSpring 2027XRP Ledger and the trend toward institutional adoptionStevenson also noted Ripple’s earlier partnership with Aviva Investors, a major UK fund manager overseeing about £253 billion in assets. In this initiative, Aviva began its first steps toward tokenising traditional funds on the XRP Ledger, Ripple’s blockchain-based settlement network.
She said tokenised real-world assets on the XRP Ledger grew from around $150 million to about $4 billion over one year, spanning more than 500 products. However, the source of these figures was not independently verified and should be viewed as estimates presented by Stevenson.
Stevenson distinguished between adoption by private companies and adoption driven by policymakers. She argued that government endorsement usually leads to the creation of broader industry standards, stating, “Companies choose vendors, governments choose standards.”
The transition to regulated blockchain infrastructure may no longer depend on whether institutions will use distributed ledger technology, but on which networks and settlement rails become embedded within formal market operations.
Participation in a Treasury-supported pilot does not guarantee a specific outcome for XRP or exclusive use of the XRP Ledger. Still, the involvement signals a shift as tokenisation progresses from experimental stages toward integration with core market infrastructure.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Canary XRP ETF v první polovině roku 2026 klesl v čistých aktivech o 81,6 milionu USD na 241,2 milionu USD, i když čistý příliv kapitálu činil 82,4 milionu USD. Hlavní brzdou byl pokles hodnoty XRP, který převážil nové emise podílů.
Canary Capital’s XRP exchange traded fund ended the first half of 2026 with $81.6 million fewer net assets even after positive capital share activity added $82.4 million.
Summary
Canary XRP ETF ended June with $241.2 million, down $81.6 million from December despite creations. Net capital share transactions added $82.4 million, while operations reduced assets by $164.0 million overall. Unrealized XRP depreciation accounted for $159.7 million of the fund’s operational decline during 2026 midyear. XRP holdings climbed 31.7% to 231.3 million tokens, even as their dollar value declined sharply. XRPC posted a 42.84% NAV loss during 2026’s first six months, according to Canary data. An Aug. 7 SEC filing shows that falling XRP valuations more than offset the increase in shares during the six months through June 30.
The unaudited Form 10 Q puts XRPC’s net assets at $241.17 million on June 30, down from $322.82 million at the end of 2025. Meanwhile, outstanding shares increased from 16.49 million to 21.77 million as the fund created 5.65 million shares and redeemed 370,000. XRP itself fell 43.27% from $1.84 to $1.04 over the same period.
Investors poured $82 million into Canary’s XRP ETF, but falling prices erased double what they put in
One large allocation or the start of a broader bid? pic.twitter.com/z2cGvbw7hs
— Xora Finance (@xora_finance) August 10, 2026 Canary XRP ETF added shares while XRP erased value The accounting behind the decline shows two forces moving in opposite directions. XRPC recorded $88.26 million from shares sold and $5.90 million from shares redeemed. The resulting $82.36 million increase from capital share transactions was outweighed by a $164 million decrease in net assets from operations.
Most of that operational decline came from XRP rather than fees. The fund recorded $159.70 million in unrealized depreciation, $3.59 million in realized investment losses and $716,898 in sponsor fees during the six month period. Unrealized depreciation was therefore almost twice the value added through net capital share transactions.
The contrast follows an initially strong reception for the fund. As crypto.news reported in its launch day coverage, XRPC generated about $58 million in trading volume when it debuted on Nasdaq in November 2025, making it one of that year’s largest new ETF launches by first day volume.
The $82 million figure is not simply investor cash inflow The $82.36 million increase should not be treated as $82.36 million of retail investors depositing cash into XRPC. Canary’s SEC prospectus allows authorized participants to create and redeem baskets using either cash or XRP. Investors trading XRPC shares on Nasdaq do not directly create or redeem shares with the trust.
The latest filing shows the distinction clearly. XRPC purchased 34.13 million XRP valued at $52.20 million during the first half, while another 25.93 million XRP valued at $36.05 million entered the trust through in kind share creations. The fund also sold 3.93 million XRP worth $5.90 million to meet redemptions and reported no XRP distributed in kind for redemptions.
Accordingly, the filing supports describing the $82.36 million as net capital share activity rather than a direct measure of investor cash inflows. It does show that creation activity exceeded redemptions during the period.
XRPC held 31.7% more XRP but the position was worth less XRPC’s XRP holdings increased from 175.63 million tokens at the beginning of 2026 to 231.28 million on June 30, a rise of about 31.7%. Yet the fair value of the XRP position fell from $322.97 million to $241.28 million because the underlying asset declined sharply.
That disconnect has also appeared across the wider U.S. XRP ETF market. In related ETF flow coverage, crypto.news reported in July that cumulative inflows across spot XRP funds remained well above their combined net assets as falling token prices reduced portfolio values.
The price weakness does not mean creations stopped altogether. More recent fund flow reporting showed XRP ETFs recording fresh net inflows on July 29 after a four day pause, while XRP remained near the $1.10 area.
XRPC assets slipped further after the June quarter Canary’s latest published fund data shows XRPC remained below its June level after the reporting period. Net assets stood at $237.38 million on Aug. 7, with both NAV and market price at $10.85. Shares outstanding had increased to 21.87 million from 21.77 million at June 30.
The same data puts XRPC’s NAV return at negative 43.93% for 2026 through Aug. 7, compared with negative 42.84% through June 30. Its market price return was negative 44.22% year to date. Those figures show that the valuation pressure documented in the SEC report had not fully reversed by early August.
For XRPC, the next financial filing will provide another formal snapshot of whether continued share creation can offset movements in XRP’s price. The first half results already make the current dynamic clear: the trust accumulated substantially more XRP, but the falling value of each token left the fund with fewer dollars in net assets.
Podle právníka Billa Morgana může XRP už nyní splňovat podmínky CLARITY Act pro digitální komoditu. Klíčové je, že více než polovina nabídky byla rozdělena mimo Ripple a spřízněné strany.
XRP may already satisfy the requirements that are needed to be treated as a digital commodity under the proposed CLARITY Act, according to analyst Bill Morgan.
The lawyer has argued that the bill’s maturity framework goes beyond its 20% ownership threshold.
The comments come in response to concerns over whether XRP can qualify as a “mature blockchain system” under the aforementioned legislation.
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The CLARITY Act’s framework stipulates that no issuer or affiliated person beneficially owns 20% or more of a digital commodity. It also contains additional criteria pertaining to blockchain governance.
However, the lawyer pointed to alternative provisions that could be relevant to XRP.
The argument is that XRP could potentially satisfy this test because more than half of its total supply has been distributed outside Ripple and related parties.
If that interpretation is accepted, XRP Ledger could end up qualifying under the pre-existing-system provision.
There’s also a separate provision involving exchange-traded products. The Senate draft contains a cutoff for certain network tokens with ETFs on a national securities exchange. XRP could potentially benefit from this provision as well.
Finally, failing to qualify as a mature blockchain would not necessarily mean XRP itself becomes a security in every transaction.
The CLARITY Act distinguishes between a digital commodity and investment contracts involving that commodity. As a result, the regulatory treatment of a particular sale or offering can differ from the legal status of the underlying token itself. The legislation is designed to place qualifying digital commodities primarily under CFTC oversight.
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Ripple’s directly held, operational XRP is roughly 4.7–4.8 billion XRP. The latest widely cited figure is about 4.74 billion XRP in Ripple-controlled wallets.
That said, more than 32 billion XRP remained in Ripple-controlled escrow.
The Clarity Act stumbles In the meantime, the Clarity Act recently faced a major setback.
As reported by U.Today, the Senate has postponed a floor vote on the much-talked-about legislation.
However, Justin Slaughter, Paradigm's vice president of regulatory affairs, recently opined that the bill was not dead just yet.
Bývalý šéf vývoje Ripple Matt Hamilton označil plán rozšířit pole Memo v XRP Ledgeru na 1,3 MB za „velmi špatný nápad“. Varuje, že ukládání souborů by blockchain nafouklo a ohrozilo decentralizaci.
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.
An attempt to expand the capabilities of XRP Ledger (XRPL) has sparked a heated technical debate in the crypto community. The discussion was triggered by a radical proposal to increase the limit of the transaction Memo field by 1,200 times, from the current 1 KB to approximately 1.3 MB.
Blockchain enthusiasts have already begun discussing the upgrade's "limitless potential," but some have called for a sober assessment of the risks.
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The authors of the idea, including Vet from the XRPL Foundation, want to allow users to embed files directly into the ledger. The new limit would make it possible to upload the following content in XRPL transactions:
Images and PDF documents;Music tracks and short video clips;Software source code and compressed archives.Promo infographic pushing to increase the XRPL memo limit 1200x for on-chain files, Source: X.comThe proposed change is justified by the principle of freedom of choice — if a network participant is prepared to pay the fee for storing their content, the protocol should provide that option.
Matt Hamilton pushes Filecoin alternativeThe initiative's main critic is Matt Hamilton, a former developer relations director at Ripple. Commenting on the proposal, he criticized the initiative and directly called the new expansion plan "a really bad idea."
The problem lies in XRPL's architecture. The blockchain operates as a distributed payment ledger, not a file-sharing service. For the network to remain secure and synchronized, every validator and node must store the entire transaction history.
If XRP Ledger users begin filling the ledger with large media files, the database will start growing exponentially, Hamilton warned.
Because every node has to store it forever. Really bad idea. Best use an actually storage network like Filecoin and have a way to link the two.
— Matt Hamilton (@HammerToe) August 9, 2026 This would significantly increase hardware requirements, make operating nodes too expensive for independent participants and, in the long term, threaten the network's decentralization.
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Drawing on his experience developing blockchain protocols, Hamilton pointed to more efficient engineering approaches that already exist. Specialized decentralized data storage networks, such as Filecoin, are designed for large files.
According to the expert, this hybrid approach allows users to work with any type of media content while keeping XRP Ledger what it was originally designed to be: a fast, lightweight and scalable payment tool.
Ripple drží více než 50 licencí pro převod peněz a už nyní splňuje přísnější podmínky, než požaduje navrhovaný PACE Act. Firma má licenci i v New Yorku a Texasu.
Ripple has positioned itself ahead of ongoing US legislative changes by accumulating more than 50 money transmitter licenses, surpassing the requirements set out in the proposed PACE Act. Crypto researcher SMQKE asserted on X that Ripple, the payments technology company best known for developing the XRP Ledger, already fulfills the stringent criteria lawmakers aim to enforce for firms seeking direct access to Federal Reserve payment systems.
PACE Act sets high thresholdThe Payment Access to Cryptocurrency Entities (PACE) Act aims to provide a regulatory framework for digital asset companies connecting directly to Federal Reserve rails such as Fedwire, FedNow, and FedACH, without the need for a traditional bank charter. Under the bill, applicants must secure money transmitter licenses in at least 40 states, establish one-to-one reserves, comply with the Bank Secrecy Act, and register as a “covered provider” with the Office of the Comptroller of the Currency (OCC).
SMQKE emphasized that Ripple holds licensing in more than 50 states, including in New York and Texas. New York’s BitLicense is among the strictest licensing regimes for digital asset service providers and is widely regarded as a benchmark for robust compliance across the US. Companies holding the BitLicense generally face fewer obstacles obtaining similar approvals elsewhere.
Ripple’s portfolio of over 50 licenses means it already exceeds the bar set by the PACE Act, including recognition in New York and Texas, which are known for rigorous oversight.
Ripple’s licensing approach was designed to satisfy both federal and state requirements, which SMQKE argues enables the company to rapidly respond to regulatory changes if the bill passes.
Mini dictionary: PACE Act, US legislative proposal setting requirements for crypto companies to gain direct access to key Federal Reserve payment systems, including Fedwire and FedNow, by mandating extensive state-level licensing and compliance standards.
Messaging standards drive potential integrationA key technical factor supporting Ripple’s eligibility is its adoption of ISO 20022, a global banking format that standardizes data-rich messaging between payment systems. Both FedNow, the Federal Reserve’s instant payment platform, and the XRP Ledger utilize ISO 20022, which could allow for smooth interoperability between the two networks. According to SMQKE, this alignment streamlines the integration process, removing the main barrier for disparate financial systems to communicate in real time.
A payment system designed natively on ISO 20022 not only enables seamless data transfer but also processes transactions 24/7, making it align closely with FedNow’s expectations.
Traditional banking infrastructure frequently relies on older data formats that can limit transaction detail and delay processing through scheduled batch cycles. An ISO 20022-native blockchain bypasses these constraints, delivering truly real-time settlement capacities required by updated federal systems.
Mini dictionary: ISO 20022, an international standard for exchanging electronic messages between financial institutions, allowing for richer payment data and improved interoperability across different systems.
XRPL matches instant payment speedsFedNow is engineered to settle payments within seconds, setting a high bar for any network seeking integration. SMQKE highlighted that the XRP Ledger, Ripple’s decentralized blockchain network, is capable of millisecond-level settlements, matching the real-time expectations of the Federal Reserve’s instant payment rails.
This performance metric has become an essential consideration as federal infrastructure modernizes. Blockchain projects hoping to participate must provide transaction finality at speeds comparable to existing systems.
SystemSettlement SpeedMessaging StandardFedNowSecondsISO 20022XRP LedgerMillisecondsISO 20022PACE Act’s uncertain futureAlthough the PACE Act has bipartisan support and industry backing, it remains a bill in progress in Congress. Companies like Ripple, already compliant with the proposed standards, are likely to have an operational advantage if the legislation is enacted. However, the ultimate decision on any connection to Federal Reserve rails will require OCC approval and final passage through the legislative process.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
XRP Ledger vydal verzi 3.3.0 s návrhem On-Chain Cosigner pro nativní multisig a s balíkem oprav chyb fixCleanup3_3_0. Některé dříve aktivní změny se zároveň staly trvalou součástí protokolu.
This week, the team behind XRP Ledger introduced version 3.3.0, delivering a set of significant updates focused on network security and transaction management. The update includes the On-Chain Cosigner proposal and key bug fixes under the fixCleanup3_3_0 amendment.
The newly submitted On-Chain Cosigner proposal allows for native multi-signature capabilities on the XRP Ledger. This addition is designed to streamline on-chain coordination for transactions, enabling users to create and collect multi-signature proposals within the protocol itself. These improvements aim to foster more secure and efficient transaction approval processes, reducing the risk of single points of failure in transaction authorization.
The On-Chain Cosigner proposal brings native multi-signature proposal and collection to XRP Ledger, making on-chain transaction coordination more straightforward for users seeking additional security and control.
Key features in XRP Ledger v3.3.0XRP Ledger version 3.3.0 integrates the fixCleanup3_3_0 amendment, a bundle of amendment-gated bug fixes. This package unifies freeze and deep freeze checks for transfers involving pseudo-accounts in a range of transactions, including VaultDeposit, VaultWithdraw, AMMDeposit, AMMWithdraw, LoanBrokerCoverDeposit, and LoanBrokerCoverWithdraw.
Additionally, the fixCleanup3_3_0 amendment resolves issues related to hybrid offers being removed from the open order book if the originating account loses access to a permissioned domain. It also addresses Automated Market Maker (AMM) liquidity being factored into quality estimates for permissioned decentralized exchange order books, ensuring that market data remains accurate and reliable.
Further upgrades within this release target precision and rounding errors in Single Asset Vaults and the Lending Protocol, as well as several other bug fixes intended to improve overall performance and consistency on the ledger.
Protocol amendments and ecosystem enhancementsWith version 3.3.0, XRP Ledger makes a number of previously active amendments permanent parts of the protocol. The amendments retired in this release include Clawback, fixDisallowIncomingV1, fixInnerObjTemplate, fixNFTokenReserve, and fixUniversalNumber. According to developers, this step essentially solidifies these features, reinforcing security and regulatory compliance throughout the project’s codebase.
The update comes at a time of growing interest in advanced on-chain transaction technologies and interoperability. Market participants continue to seek platforms that can natively support secure, multi-signature workflows, automated liquidity management, and enhanced asset diversity.
For those following developments in cross-market asset integration, solutions such as 1stepSwap have been gaining traction. 1stepSwap is a highly practical platform that breaks down the barriers between traditional finance and the crypto world. By transferring real-world assets (RWAs) directly onto the blockchain, it allows users to access shares of major U.S. companies and commodities like gold and silver through their wallets, without complex intermediaries. Its standout feature is the ability to identify the best prices across the market at any moment, enabling near-instant trades at highly competitive rates while supporting portfolio diversification.
The combination of updated ledger features and expanding market options has the potential to enhance user experience and broaden the decentralized finance ecosystem surrounding $XRP.
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.
Grayscale v první polovině roku 2026 snížil držbu XRP z více než 122 milionů na zhruba 55 milionů tokenů. Podle podání prodal XRP za více než 67 milionů USD.
Grayscale has sharply reduced its XRP holdings, with its balance dropping by more than half in the first six months of 2026. According to figures shared by crypto analyst Steph Is Crypto, the investment trust reported approximately 55 million XRP in its portfolio as of June 30, compared with over 122 million XRP at the end of December 2025.
Grayscale’s XRP sales and portfolio shiftSteph Is Crypto highlighted that Grayscale sold over $67 million worth of XRP across the period, marking a substantial decline in institutional exposure to the asset. The trust’s financial filing indicates a total reduction of roughly 67.2 million XRP, leaving its holdings at less than half their value from six months earlier.
At the close of 2025, the fair value of Grayscale’s XRP portfolio exceeded $223 million based on a token price of $1.83. By mid-2026, however, the price per XRP had declined to $1.04, and the trust’s holdings were valued at about $57.4 million.
Transaction records within the filing note several activities behind these changes, including tokens redeemed, distributions for the sponsor’s fee, and both realized and unrealized shifts in asset value.
Grayscale has sold over $67 million worth of XRP, cutting its holdings by more than 50%, according to a post by Steph Is Crypto analyzing the trust’s financial statement.
XRP community members and observers reacted to the data and raised questions about market sentiment. Some, like Rick Wilson, have suggested that large-scale institutional exits may follow periods of deteriorating asset performance, with potential losses impacting ETF investors specifically.
Wilson interpreted XRP’s struggle to rebound from its recent lows as a sign of ongoing pressure, though the filing itself does not confirm a universal loss for all holders or guarantee further declines. Instead, it presents a snapshot of Grayscale’s shifting strategy, not the entire ETF landscape.
Another participant, DAMAGE, stated that Grayscale had already sold approximately $180 million in XRP at the beginning of 2026, but continues to hold a sizable stake of 55 million XRP.
Some investors interpreted Grayscale’s significant reduction as an indication of broader institutional caution towards XRP, although the filings show remaining sizable holdings and ongoing portfolio management activities.
Details from the trust’s financial filingThe official report details how Grayscale’s XRP balance declined from over 122 million at the end of 2025 to about 55 million by mid-2026. The fair value assessment is based on pricing provided by Coinbase at 4 p.m. New York time, which the trust identifies as its principal market source.
These developments come as XRP continues to trade below its 2025 year-end levels, reflecting challenging conditions in the broader altcoin market. Against this backdrop, effective portfolio monitoring and market data integration are increasingly critical for both institutional and retail investors. Tools like CryptoAppsy, which merges real-time prices, detailed charts, multi-currency portfolio management, and smart price alerts on a single screen, have become popular with those looking to track fast-moving developments, discover new altcoin listings, and stay updated with macroeconomic shifts such as Federal Reserve interest rates.
While Grayscale’s activity signals an adjustment in its approach to XRP, the investment firm’s remaining holdings still reflect a significant position. The market continues to watch how both Grayscale and other major investors respond to evolving digital asset trends in the upcoming quarters.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
XRP Ledger vydal xrpld 3.3.0 s pěti návrhy včetně Confidential MPT, Batch a Sponsored Fees. Aktivují se pouze při podpoře alespoň 80 % validátorů po dobu 14 dnů.
The XRP Ledger has released xrpld 3.3.0, its reference server software update, marking what many observers consider one of the most consequential upgrades to the network in recent years. The release bundles five amendments: Confidential MPT, Batch, Permission Delegation, Sponsored Fees and Reserves, and Dynamic MPT. RippleX Head of Product Jazzi Cooper framed the update as a leap forward for tokenized asset use cases including global transfers, trading, collateralization, and settlement.
Two of the five proposed amendments are revised versions of features that were previously withdrawn after researchers found bugs that could have allowed unauthorized transactions or fee draining. The team has since addressed the vulnerability and refined the implementations to ensure stability and safety.
What Each Amendment DoesConfidential MPT introduces zero-knowledge proofs to Multi-Purpose Token transactions, allowing transfers to be verified as valid without revealing the underlying amounts or details to everyone on the network. This gives the XRP Ledger its first native privacy feature for tokenized assets, a capability that institutional participants have long required.
Batch would allow up to eight cross-account transactions to execute atomically, while Permission Delegation would let institutions grant narrowly scoped signing authority without exposing full control. In the case of Batch, either all transactions succeed together, or they all fail, helping reduce costs and improve network efficiency.
Sponsored Fees and Reserves allows companies to pay network fees on behalf of their users, meaning customers may no longer need to hold XRP just to use applications built on the XRP Ledger. This directly lowers onboarding friction for both institutions and retail users. Dynamic MPT will let token issuers update certain token settings after launch without creating a new token, making it easier for businesses to adjust to changing regulations.
Activation Depends on Validator ConsensusThe software release does not automatically switch on any of these features. Under the decentralized governance architecture of the XRP Ledger, each amendment must achieve and maintain at least 80% support from trusted network validators for a mandatory duration of 14 consecutive days. Validators need to upgrade their nodes to 3.3.0 and then signal support for each amendment individually. The Batch amendment already failed once due to a security flaw, and while the fix appears to be in place, validators may be more cautious this time around.
Ripple Head of Engineering Ayo Akinyele said the update improves the XRP Ledger's privacy, payments, account management, and token features as more financial assets move on-chain. By introducing structured batch processing, secure permission delegation, confidential token architectures, dynamic settings, and sponsored fee models, the network is directly tailoring its infrastructure for widespread institutional adoption and real-world asset tokenization.
The 3.3.0 release is the first since version 3.2.0 to introduce new functional capabilities rather than maintenance patches. Attention now turns to validator signaling in the weeks ahead, which will determine whether these proposals cross the 80% threshold and go live on mainnet.
Sources:
CoinDesk: XRP Ledger upgrade brings back features once pulled over critical bugs
Crypto Briefing: XRP Ledger 3.3.0 to launch with five amendments including revived Batch feature
The Crypto Basic: XRP Ledger rolls out major 3.3.0 upgrade
In brief XRP fell 2.05% in 24 hours to $1.02, the lone red coin among the top 10; every other major is green. The Senate left Washington without voting on the Clarity Act, delaying the market-structure bill until at least September. XRP trades within a confirmed death cross, but prediction market traders remain optimistic for now. The Senate left town without taking up the Clarity Act, pushing the market-structure vote to at least September. Every major coin shrugged it off—except XRP.
While Bitcoin stayed flat, dealing with its own headwinds, and Dogecoin gained 1.38% over the day to be the best performer in the top 10 crypto assets by market cap, XRP dropped 2.05%, the only major token to close red.
On a week that saw it fall 3%, it's the weakest of the majors by a wide margin.
The delay isn't just procedural for XRP. The token's entire 2025–2026 rally thesis rested on the U.S. finally deciding what XRP is. The Clarity Act would sort crypto into securities and commodities and, in drafts Decrypt previously reported, would reclassify XRP, Solana, and Dogecoin as non-securities.
That means these coins would fall under the regulatory purview of the CFTC, widely viewed as the more preferable option by crypto industry observers, rather than the historically tougher SEC.
For Ripple, whose co-founder created the XRP cryptocurrency, that's the prize years of litigation were about: a federal answer to the SEC's long fight over whether XRP was an unregistered security. Ripple agreed to pay $50 million to settle its cross-appeal with the SEC, but a statute beats a settlement.
A law settles the question for every exchange, custodian, and regulator at once. Without it, XRP stays in legal limbo—and limbo is what the chart appears to be pricing.
XRP price: What the charts sayXRP is trading at $1.028, roughly a $64 billion market cap, down 0.71% on the day, after a red candle that has kept it pinned just above the $1.00 psychological floor. It's the second-lowest print on the daily chart since early 2024, above only the $0.9153 low marked last month.
XRP price data. Image: TradingviewThe trajectory is a clean, grinding downtrend. XRP has been in a strong bearish trend since 2025, when it reached $3 per coin. The 50-day EMA (the average price over the last 50 sessions) has crossed below the 200-day EMA (the average over the last 200 sessions) in a formation known as a death cross. XRP’s current price is below both lines, so there's no average acting as support beneath it.
The Relative Strength Index, or RSI, reads 35.9. RSI is a momentum gauge on a 0–100 scale: above 70 is overbought, below 30 is oversold. At 35.9, momentum is bearish with room for more downside before buyers typically step in.
The Average Directional Index, or ADX, reads 11.9. ADX measures trend strength, not direction: below 20 means the move lacks conviction and chop is common. However, the Squeeze Momentum indicator is still off, meaning volatility is expanding rather than coiling.
No compression means no loaded spring waiting to fire; moves here tend to be slow.
A bull case would appear if a daily close back above $1.10 (the lower Fib zone and first real resistance) and then the $1.13 point of control signal the floor is holding. An advance in the Clarity Act, though not until September at the earliest now, could also ignite some bullish appetite among traders.
Bear case: a break under $1.00 opens the path to $0.9153, the chart's lowest mark since 2024. A daily close there confirms the downtrend and erases the post-2024 recovery. The current trend is bearish, so this is a very likely scenario.
On Myriad, a prediction market developed by Decrypt’s parent company Dastan, traders are currently optimistic on XRP’s short-term outlook. Traders are pricing in 77% odds that XRP stays above $1.00, at least over the weekend.
For now, $1.00 is the line. Above it, XRP is cheap and oversold; below it, the chart says the slide isn't done.
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Flare zpřístupnil držitelům XRP RLUSD likviditu na hlavní síti Ethereum bez nutnosti prodeje XRP. Integrace FXRP jako kolaterálu v institucionálním RLUSD vaultu Sentora na Morpho otevřela první XRP reprezentaci schválenou jako kolaterál v institucionálně kurátorovaném lending vaultu na Ethereum mainnet.
XRP holders can now access Ripple USD (RLUSD) liquidity on Ethereum without selling their XRP.
The option became available after Flare integrated FXRP as collateral in Sentora’s institutional RLUSD vault on Morpho.
The launch creates an isolated FXRP/RLUSD lending market on Morpho Blue. Users can mint FXRP on Flare, bridge it to Ethereum, and borrow RLUSD against their holdings in a permissionless and non-custodial way.
FXRP Becomes First XRP Collateral Asset in Institutional Ethereum Vault According to Flare, FXRP is the first XRP representation approved as collateral in an institutionally curated lending vault on Ethereum mainnet.
The integration gives XRP holders access to Sentora’s RLUSD Main vault, which currently holds around $280 million in deposited RLUSD. It is now the largest institutionally curated RLUSD vault on Ethereum.
The new market allows users to keep exposure to XRP’s price while unlocking liquidity through RLUSD loans. Borrowers retain control of their collateral, with no custodial intermediary or whitelist required.
To use the service initially, users must mint FXRP through Flare’s FAssets protocol, bridge it to Ethereum, deposit it into the FXRP/RLUSD market, and borrow RLUSD within the market’s loan-to-value (LTV) limit.
Flare said a simpler process is in development through Flare Smart Accounts. Once launched, it will allow users to access the service directly from the XRP Ledger.
Expanding XRP’s Role in DeFi Flare said the integration addresses one of the biggest challenges facing XRP decentralized finance (DeFi): access to deep stablecoin liquidity.
The company noted that limited borrowing capacity has historically restricted FXRP-based strategies and reduced capital efficiency.
Flare highlighted the network’s growth after the launch of USDT0 as an example. Following the launch, total value locked (TVL) increased from about $37 million to more than $120 million within two weeks.
By connecting FXRP with institutional RLUSD liquidity, Flare expects borrowing demand on Ethereum to create additional demand for FXRP minted through the FAssets protocol.
Institutional Review Clears FXRP as Collateral Before approving FXRP as collateral, Sentora conducted a risk assessment that examined the asset’s behavior, oracle reliability, and available liquidity for liquidations and withdrawals.
Flare CEO Hugo Philion said the integration marks an important step for XRP’s utility beyond payments.
“XRP is one of the largest assets in crypto and one of the least used in DeFi. That gap came down to infrastructure. FXRP closed part of it by making XRP programmable. This closes another part. XRP is now collateral that an institutional risk team underwrites on Ethereum mainnet.”
Jesus Rodriguez, Co-Founder and CTO-CPO of Sentora, said enabling FXRP as collateral expands XRP’s role in decentralized credit markets. In his words:
“By enabling FXRP as collateral in our RLUSD vaults, we are bringing that scale into DeFi and expanding the productive utility of XRP across onchain credit markets.”
More XRP DeFi Integrations Ahead Meanwhile, Flare said the current launch is the first step toward broader XRP-backed lending options. Future updates include direct FXRP minting from the XRP Ledger to Ethereum, removing the need for a separate bridging process.
Flare Smart Accounts are also expected to allow XRP holders to borrow RLUSD directly from the XRP Ledger without using Ethereum interfaces.
The company added that Sentora’s approval could encourage other Morpho vault curators to adopt FXRP as collateral. This could increase the amount of stablecoin liquidity available to XRP holders across decentralized finance.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
Circle oznámila 11 zakládajících validátorů pro blockchain Arc, včetně BlackRock, Visa, Mastercard, DTCC a Galaxy. Arc je síť Layer-1 pro institucionální platby a tokenizaci aktiv.
Circle has revealed the 11 founding validators for its Arc blockchain, underscoring the participation of prominent financial institutions such as BlackRock, Visa, and Mastercard. Arc, which is powered by USDC, is designed as a Layer-1 blockchain for institutional payments and the tokenization of financial assets.
Financial giants join Arc launchArc’s founding validators also include DTCC, Galaxy, Global Payments, ICE, MoneyGram, SBI Group, Standard Chartered, and Sumitomo Corporation. According to a post by Coin Bureau on X, the roster signals a significant step as leading global payment and financial processing companies move to play a direct role in emerging blockchain ecosystems.
USDC issuer Circle, a key player in digital finance infrastructure, recently secured full National Trust Bank approval from the Office of the Comptroller of the Currency, enabling it to expand its institutional service offerings further.
Arc brings a new degree of institutional credibility with the involvement of longtime traditional finance leaders such as BlackRock, Visa, and Mastercard, joining technical and financial specialists in the validation process.
ChartNerd, a crypto market analyst, emphasized that this development not only highlights Arc’s institutional credentials but could also have wider implications for blockchain sector partnerships.
Ripple’s connections with Arc participantsShifting focus to Ripple, ChartNerd pointed out that the company already maintains established relationships with several institutions featured in Arc’s validator group. Ripple, a fintech company known for its cross-border payment solutions powered by the XRP Ledger, has engaged in strategic partnerships within the sector for over a decade.
He specifically named SBI Group, which reportedly holds a 9% equity stake in Ripple. He also referenced Ripple’s interactions with BlackRock’s BUIDL and Securitize for smart-contract based solutions, as well as joint tokenization pilots involving JPMorgan and Ondo.
Mastercard’s exploration of agentic payments on the XRP Ledger and Standard Chartered’s longstanding investment in Ripple were cited as further examples of these overlapping networks.
The Depository Trust & Clearing Corporation (DTCC), a major provider of clearing and settlement services in US markets, is also present in both Arc’s validator lineup and Ripple’s ecosystem, participating in tokenization initiatives such as Ripple Prime.
Mini dictionary: DTCC (Depository Trust & Clearing Corporation), a US-based financial services company that provides clearing, settlement, and information services for equities, corporate and municipal bonds, government and mortgage-backed securities, and other financial instruments.
Approval process for RippleChartNerd underlined the significance of regulatory timelines for Ripple, reporting that the company has until July 2027 to obtain full approval from the Office of the Comptroller of the Currency. This follows the conditional approval Ripple received in December 2025, launching an 18-month window to fulfill final requirements.
The potential for Ripple to fully realize its infrastructure stack and deliver financial services across the asset lifecycle hinges on regulatory clearance, in addition to its track record of institutional partnerships.
If Ripple secures the necessary approvals, ChartNerd indicated that its technology could serve a broader set of institutions, drawing on these integrated relationships and experience in payments and tokenization.
CompanyRole in ArcLink to RippleBlackRockFounding ValidatorBUIDL, Securitize collaborationVisaFounding ValidatorParticipated in blockchain initiativesMastercardFounding ValidatorAgentic payments on XRP LedgerSBI GroupFounding Validator9% equity stake in Ripple, decade-long partnershipStandard CharteredFounding ValidatorInvestor in RippleProspects for XRP and RLUSDChartNerd concluded that XRP and RLUSD, the dollar-backed digital asset operated within Ripple’s ecosystem, are both positioned amid increasing institutional engagement in digital assets. He emphasized that while Circle’s validator group features several companies with Ripple ties, this does not automatically mean these institutions will integrate with the XRP Ledger or use Ripple’s solutions.
The convergence of major financial institutions in blockchain validator roles reflects growing interest in tokenization and digital payments. ChartNerd identified Ripple’s next step as leveraging its network of partnerships, along with a comprehensive regulatory approval, to expand its footprint in institutional financial 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.
IMC-Chicago, market maker s AUM 418 miliard USD, ve 2. čtvrtletí výrazně navýšil expozici v XRP ETF a otevřel nové call opce na Bitwise XRP ETF a XXRP. Zároveň drží 135 900 put opcí na XXRP jako zajištění.
IMC-Chicago, a proprietary trading firm and market maker with $418 billion AUM, has disclosed massive holdings in XRP ETFs. The trading giant also revealed millions in options positions, increasing its bullish calls on multiple XRP ETF positions.
IMC-Chicago Bullish on XRP as it Boosts Exposure in ETFs Chicago-based market maker IMC-Chicago disclosed significant exposure to multiple XRP ETFs in its Q2 filing with the US SEC. The firm has boosted its total portfolio value by almost 50% this quarter amid rising interest in crypto and other areas.
IMC-Chicago opened key positions in multiple spot and leveraged XRP exchange-traded funds, along with direct holdings. The trading firm purchased 28,237 shares in Bitwise XRP ETF, 12,207 shares in Teucrium 2x Long Daily XRP ETF (XXRP), and 10,531 shares in Volatility Shares 2x XRP ETF (XRPT).
In addition, the firm opened new call bets in Bitwise XRP ETF and XXRP. IMC-Chicago also held call positions in Canary XRP ETF, XXRP, XRPT, and ProShares Ultra XRP ETF. This indicates the firm has turned more bullish on XRP amid Ripple and XRPL’s tokenization push.
Meanwhile, the presence of 135,900 put options on the leveraged Teucrium ETF XXRP indicates hedging activity. This comes as crypto market uncertainty remained high amid the US-Iran war.
The disclosure comes as institutional interest in XRP continues to grow. As CoinGape reported earlier, $3.6 billion AUM EverSource Wealth Advisors disclosed significant holdings in multiple XRP funds. Also, Bank of America (BofA) holds 13,000 shares of the Volatility Shares XRP exchange-traded fund.
Will XRP Price Bounce amid Growing Institutional Interest? XRP price has rebounded nearly 2% after falling, following Senate Majority Leader John Thune promised Clarity Act vote first in September. The price is still trading in the red at $1.03, with a 24-hour low and high of $1.02 and $1.05, respectively.
The latest rebound comes amid a consistent rise in trading volume over the last 24 hours, while Ripple announces XRPL 3.3.0 upgrade. Institutional interest also helped resist further fall. Notably, Grayscale’s GDLC ETF increased XRP weight in the fund and growing institutional interest in XRP.
However, the derivatives market shows mixed activity today, as per CoinGlass data. The total XRP futures open interest held near $2.35 billion amid whale buying and XRP ETF inflows. The cumulative inflows in XRP exchange-traded funds have reached above $1.51 billion, as funds saw $3.45 million in inflows on Thursday.
As per the latest XRP price prediction, XRP price has immediate resistance at $1.08. A breakout may trigger the price to $1.12 and then to $1.18. However, failure to stay above $1.00 may expose XRP to $0.96 and $0.92 support levels.
Traders looking to capitalize on this momentum can compare features on the best crypto derivative futures trading platforms to find competitive funding rates, advanced order types, and deep liquidity.
Ripple potvrdil, že jeho Senior Director of Engineering J.A. Akinyele vystoupí na XRP Seoul 2026. Zároveň XRP Ledger 3.3.0 přinesl šest nových amendmentů k hlasování.
Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available.
J.A. Akinyele, Senior Director of Engineering at Ripple, has been named one of the speakers for the upcoming XRP event, XRP Seoul 2026. The official XRP Seoul 2026 event X account announced this in a recent post.
Akinyele, the Senior Director of Engineering at Ripple, leads the development of AI, privacy, scalability, and institutional-grade infrastructure for the XRP Ledger and is well-positioned to speak about what comes next for the XRPL ecosystem, driving innovation to advance the next generation of decentralized finance.
The XRP Ledger has just welcomed a major upgrade, version 3.3.0, which introduced six amendments for voting as well as major non-feature amendment changes.
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We're honored to welcome @ja_akinyele ,Senior Director of Engineering of @Ripple.
Ayo Akinyele is the Senior Director of Engineering at Ripple, where he leads the development of AI, privacy, scalability, and institutional-grade infrastructure for the XRP Ledger. With more than… pic.twitter.com/PsamQwbQA7
— XRP Seoul 2026 🇰🇷 (@XRPSEOUL) August 7, 2026 Akinyele joins a rich speaker list for the XRP Seoul event, including Ripple President Monica Long, Markus Infanger, SVP of RippleX, and Chandler Fang, Founder of t54ai.
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The XRP Seoul 2026 event, hosted by XRPL Korea with Ripple as Title Sponsor, is scheduled to be held on October 3 at Grand Hyatt Seoul.
XRP Ledger 3.3.0 arrivesXRP Ledger version 3.3.0 has launched, introducing six new amendments for voting, including Confidential Transfer, Batch, Sponsor, Permission Delegation, Dynamic MPT, and fixCleanup, which includes bundled fixes.
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RippleX
software engineer Mayukha Vadari outlined non-feature-amendment changes in the XRPL version release, including over a 15% reduction in memory usage, improved online_delete performance, and 60 fixes for bugs uncovered by the AI red team effort.
Other changes include assorted small fixes in the fixCleanup3_3_0 amendment, such as deleting expired credentials in Permissioned DEX trades; improved invariants that ensure the XRPL is behaving the way it should; an upgrade from C++20 to C++23; several old amendments that have been activated for over 2 years, such as Clawback, retired to simplify the codebase; and test coverage increased across the repo from 82% to 82.9%.
Vadari added that a large number of little fixes, refactors, and improvements across the codebase and build system were introduced through the upgrade, which are relatively invisible to users and operators but help make xrpld incrementally better and easier to maintain.
Crypto analyst Dark Defender has publicly declared that the CLARITY Act will secure XRP’s status as a commodity in United States law, making future reversals by the Securities and Exchange Commission (SEC) impossible. He shared strong confidence that the U.S. Senate will pass the legislation soon, directly endorsing its swift approval.
Dark Defender voices confidence in SenateDark Defender articulated unwavering belief in the Senate at a time when the vote on the CLARITY Act remains unscheduled, with the August recess approaching. His conviction comes despite ongoing uncertainty about the bill’s path to a floor vote.
“Clarity Act will write XRP’s commodity status into LAW, a permanence that no future SEC chair could undo. I trust the US Senate will pass it shortly.”
Dark Defender, known for his analyses on social media, firmly asserted that the bill’s passage would make XRP’s legal status “untouchable,” shielding it from future regulatory changes by new leadership at the SEC. His comments addressed growing anticipation within the cryptocurrency community regarding the legal foundation for XRP and similar digital assets.
Status and hurdles of the CLARITY ActThe CLARITY Act requires 60 Senate votes for passage. The current tally stands at 51 confirmed supporters, including signals from 7 to 10 Democratic senators. Collecting 9 Democratic votes would be sufficient to meet the threshold.
Required VotesConfirmed SupportDemocrats Signaling Support60517-10The bill’s main obstacle is a dispute regarding whether state attorneys general should be authorized to sue the Department of Justice over ethics enforcement. Republican senators and the White House oppose this provision, while Democratic senators continue to push for it. Senators Tom Tillis and Ruben Gallego are engaged in negotiations to find a resolution.
Former Fox Business journalist Eleanor Terrett recently stated that a breakthrough could be imminent, but noted that approval from President Donald Trump will be necessary for the bill to move forward. August 7 marks the final scheduled Senate workday before the recess, and a cloture motion filed today means the earliest procedural vote would occur on Friday, unless all senators agree to an earlier date.
Senator Cynthia Lummis mentioned the possibility of keeping the Senate in session over the weekend to conduct a vote if needed.
Mini dictionary: CLARITY Act, a proposed U.S. law aimed at explicitly classifying certain digital assets such as XRP as commodities, clarifying the boundaries between the SEC and CFTC on digital asset oversight.
Dark Defender’s statement sparked a divided response from the XRP community. Some investors remain optimistic, speculating that a Senate vote could take place as soon as Friday or Saturday, and expressing hope for positive price movement in XRP if the bill passes. Supporters point to Senator Lummis’s remarks about extended Senate sessions as a reason for optimism.
Some community members have discussed the possibility of a weekend vote, suggesting Senate leaders could act quickly if a compromise is reached.
In contrast, skeptics doubt the Senate will act before the recess, citing ongoing institutional disagreements and perceived delays. Some have voiced distrust toward the Senate and questioned whether the U.S. is intentionally slowing progress to allow international competitors to move ahead in the digital asset sector.
XRP’s legal status and timelineEarlier this year, both the SEC and the Commodity Futures Trading Commission (CFTC) identified XRP as a commodity rather than a security. If the CLARITY Act passes, this status would be enshrined in federal law and protect XRP from future regulatory changes by the SEC. Senator Lummis cautioned that failure to pass the bill could postpone new crypto regulations until 2030, urging lawmakers to act swiftly.
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 emitoval 811 026 RLUSD na XRP Ledger a RLUSD se tak stal největším stablecoinem na síti podle objemu. V červenci tvořil přes polovinu celkové nabídky stablecoinů na XRPL.
Ripple has minted 811,026 RLUSD, a US dollar-backed stablecoin, on the XRP Ledger. This latest issuance increased RLUSD’s total circulating supply, making it the largest stablecoin by volume on the network. XRPScan data confirmed the minting under ledger 106,109,031, which was finalized at 7:37 IST on August 6.
Details of the RLUSD IssuanceThe RLUSD tokens were issued from Ripple’s dedicated stablecoin account on the XRP Ledger and delivered to a designated destination wallet. The process employed a three-signer multisignature setup to enhance transaction security, a common practice for institutional-grade cryptocurrency operations. The minting fee amounted to 0.000405 XRP, and the full amount reached its intended account without deductions.
Ripple has not disclosed the specific reason for this new RLUSD issuance. Stablecoin providers typically mint additional tokens to meet exchange liquidity demands, support treasury operations, or satisfy user issuance requests. These actions generally aim to maintain stability and accommodate an expanding user base.
Fresh RLUSD mint just hit the XRPL. 811,026 RLUSD minted straight from the issuer wallet with multi-sig security. Liquidity keeps flowing in on-chain.
The RLUSD stablecoin has rapidly expanded its presence on the XRP Ledger over recent months. In July, RLUSD accounted for more than half of the network’s total stablecoin supply, outpacing other dollar-pegged cryptocurrencies built on XRPL.
The increased minting has paralleled a significant uptick in trading activity. Since launch, RLUSD has accumulated over $2.5 billion in trading volume, moving it ahead of competing stablecoins within the XRP Ledger ecosystem.
Ripple is a US-based blockchain technology company known for creating solutions in cross-border payments and digital asset management. The company’s RLUSD stablecoin aims to provide a secure, on-chain US dollar equivalent for fast and efficient transactions on XRPL.
Mini dictionary: Multisignature (multi-sig) – A security system requiring multiple private keys to authorize a single cryptocurrency transaction, offering enhanced protection against unauthorized transfers and single points of failure.
StablecoinLatest Supply MintedTotal Market Share (July)Cumulative Trading VolumeRLUSD811,026>50%$2.5 billion+Other XRPL StablecoinsNot reported<50%Not reportedIndustry analysts have noted that increased supply does not automatically guarantee adoption for a stablecoin. Success in the marketplace often depends on liquidity, exchange support, regulatory status, and practical use cases among users. RLUSD’s momentum on XRP Ledger demonstrates the importance of community and user backing.
Expectations for RLUSD’s Future GrowthThe broader market context shows that dollar-backed stablecoins like USDT and USDC are popular across multiple blockchain networks. These assets are commonly used for trading liquidity, digital remittances, and decentralized finance applications.
RLUSD’s recent growth on XRPL highlights shifting trends in on-chain stablecoin competition. The minting of 811,026 RLUSD supports continued expansion of Ripple’s dollar-backed asset within the network.
Stablecoins compete on liquidity, exchange access, regulatory clarity, and utility. With RLUSD reaching the largest supply in XRPL’s market, its next phase will be shaped by exchange adoption and user demand.
Future adoption will depend on further integrations by applications, exchanges, and users, as well as the ongoing evolution of the XRP Ledger’s stablecoin ecosystem.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple vydal XRPL v3.3.0 s šesti změnami zaměřenými na soukromí, efektivnější vypořádání a tokenizaci reálných aktiv. Aktualizace má snížit paměťovou náročnost o 10–15 %.
In big XRP news today, Ripple has officially released a major upgrade to the XRP Ledger (XRPL). The upgrade introduces six key amendments that focus on strengthening privacy, settlement efficiency, operational controls, and asset management.
It comes as part of Ripple’s latest roadmap, placing tokenized real-world assets (RWAs) at the center of its institutional strategy.
XRP Ledger v3.3.0 Upgrade to Boost Ripple’s Position RWA Tokenization Ripple and XRP Ledger Operations announced xrpld v3.3.0 upgrade, the reference server software that powers the decentralized XRP Ledger (XRPL) network. It marks a major milestone for the XRPL network, positioning the blockchain for greater institutional RWA tokenization use cases.
The upgrade introduces major amendments, along with bug fixes and build improvements. As CoinGape reported earlier, RippleX’s head of product Jazzi Cooper confirmed global tokenized asset transfers, trading, collateralization, and settlement support in the upgrade.
Vijay Khanna, Director of Engineering at Ripple, said “This is a big update for the XRPL!” He revealed that the XRP Ledger upgrade had been in the works for a long time and had undergone multiple rounds of testing, an attackathon, AI scans, and other requirements.
Node operators are urged to upgrade to the new version immediately to ensure service continuity. It will require at least 80% validator support over two weeks to activate the XRPL mainnet to the latest v3.3.0 release.
XRP Ledger Upgrade Details XRP Ledger Operations revealed six amendments in the 3.3.0 upgrade are available for voting. The amendments are Confidential Transfer, BatchV1_1, DynamicMPT, PermissionDelegationV1_1, Sponsor, and fixCleanup3_3_0.
These will enable encrypted multi-purpose token (MPT) balances and transfers, atomic execution of up to 8 transactions, entity-sponsored fees and reserves, delegation of specific transaction permissions to other accounts, and issuer mutable MPT properties.
The XRP Ledger upgrade also includes a bundle of bug fixes (fixCleanup3_3_0), performance and stability improvements. The upgrade will further reduce memory usage by 10-15% after XRPL upgrade 3.2.0.
J. Ayo Akinyele, head of engineering at RippleX, claimed the upgrade “if approved, would continue expanding the XRPL’s capabilities for tokenized assets and real-world financial use cases.”
XRP Ledger Foundation contributor Vet noted XRPL 3.3.0 as “big,” featuring the world’s first XRPL privacy amendment, trustless swaps, OTC trading for institutions, and monetization of the App.
Mayukha Vadari, staff software engineer at Ripple, revealed other changes in the upgrade. These include improved online delete performance, 60 fixes for bugs uncovered by the AI red team effort, and optimizations to make xrpld easier to maintain.
A lot of folks will be talking about the amendments in this release (including me later), but I want to take a moment to discuss the non-feature-amendment changes in this release:
– 15+% reduction in memory usage
– Improved online_delete performance
– 60 fixes for bugs uncovered… https://t.co/BAzNynqngj
— Mayukha Vadari (@msvadari) August 6, 2026
Will XRP Price Rebound amid Buying in Derivatives Market? XRP price has dropped more than 2% in the past 24 hours as the Senate delayed Clarity Act vote until September. Ripple’s coin price is currently trading at $1.02, with a 24-hour range of $1.02 to $1.05. Trading volume increased by another 17% in the last 24 hours.
However, CoinGlass data shows significant buying activity in the derivatives market in the last few hours. The total XRP futures open interest jumped more than 0.67% within an hour and 1.02% in 24 hours to $2.35 billion.
Notably, Binance, OKX, Bybit, Gate and other crypto exchanges saw massive buying in the past hour. XRP futures open interest climbed 0.61% on Binance and 2% on OKX.
XRP Futures Open Interest. Source: CoinGlass Meanwhile, crypto analysts remained bearish on XRP price targeting $0.90, despite Grayscale’s GDLC ETF increasing XRP weight in the fund and growing institutional interest in XRP.
Traders looking to leverage this momentum can compare features on the best crypto derivative futures trading platforms to find competitive funding rates and deep liquidity.
XRP ETF zaznamenaly první měsíční čistý odliv, když v poslední obchodní seanci odtekl čistý objem 3,58 milionu USD, celý přes Bitwise. XRP zároveň klesl na čtvrté místo mezi největšími kryptoměnami.
XRP is losing momentum as its price continues to retest previous lows, trading as one of the worst-performing assets among the top 10 largest cryptocurrencies by market capitalization in recent days.
The negative momentum has also extended to its ETF market as the latest data from SosoValue shows that the XRP ETF market has recorded its first withdrawal in the last month.
XRP ETFs Record $3.58 Million Outflow The data shows that the broad XRP ETFs recorded a total net outflow of $3.58 million during their last daily trading session. The total outflow was solely covered by Bitwise, one of the largest XRP ETF issuing companies.
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This is not commonly seen, as the broader XRP ETF market has been resilient even when other products continued to log steady withdrawals.
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Nonetheless, the withdrawals from the XRP fund have sparked concerns among market participants, suggesting that institutional investors are beginning to lose interest in the asset while trading with caution.
With Bitwise being the only fund that carried the total $3.58 million outflow, the data shows that other funds remained silent with zero activity during the trading session.
BNB Flips XRPThe withdrawal recorded by the fund came when XRP was seeing a severe price downturn, plunging to levels not seen this month.
Following its downward trajectory, XRP has significantly lost momentum and its market capitalization has declined significantly, causing it to lose its position as the fourth-largest cryptocurrency by market capitalization.
With its slowdown, BNB has outperformed XRP as XRP drops below its position, now becoming the sixth-largest cryptocurrency by market capitalization.
XRP na Coinbase a Bybit zaznamenává čisté odlivy, což podle on-chain dat ztenčuje nabídku a připomíná situaci před květnovým a červnovým růstem. Token se přitom drží nad 1 USD už 627 dní.
XRP has entered a new accumulation phase, according to on-chain data that shows significant shifts in exchange flows on major trading platforms. Recent analysis suggests that withdrawal volumes from exchanges now exceed deposits, a development that has historically aligned with previous XRP price rallies.
Shifting exchange flows signal accumulationMarket analyst Xaif Crypto reported that exchange wallet balances for XRP have turned negative, indicating net outflows from platforms such as Coinbase and Bybit. This reversal marks a departure from previous periods when inflows surpassed withdrawals. Observers note that similar patterns appeared before major rallies in May and June.
According to CoinCodex, XRP is currently trading in a narrow range between $1.05 and $1.07, with the latest listing at $1.05. While price action remains subdued, analysts highlight that sustained outflows could indicate growing investor confidence as holders transfer assets from exchanges into private wallets or long-term storage, thereby reducing the token’s liquid supply.
Market analyst Xaif Crypto identified that “the current exchange flow setup for XRP closely mirrors the structure in place before the May and June advances, when steady outflows preceded renewed buying momentum.”
Large exchange inflows often signal that investors are preparing to sell, increasing supply and potential selling pressure. In contrast, persistent outflows may point to accumulating positions or a shift to long-term custody as participants seek to avoid short-term trading.
ExchangePrevious trendCurrent trendCoinbaseNet inflowsNet outflowsBybitNet inflowsNet outflowsExtended price stability and network growthXRP has demonstrated notable price resilience, maintaining a position above $1 for 627 straight days—longer than any previous period in its history. This sustained level, analysts say, reinforces market confidence and supports the narrative of an underlying supply crunch.
In addition to exchange flows, XRPL activity accelerated recently, processing almost 2 million transactions in a single day, which many consider a sign of robust network engagement and adoption.
The XRP Ledger, an open-source public blockchain designed for fast cross-border payments, processed approximately 1.98 million transactions over the past 24 hours. Elevated transaction volumes suggest that utility and network usage remain strong, even as the token consolidates in a narrow price range.
Mini dictionary: XRP Ledger (XRPL), a decentralized blockchain network that enables real-time, low-cost international settlements and asset transfers.
Institutional perspective on long-term valueSagar Shah, Chief Business Officer at Evernorth, stated that XRP’s value proposition reaches beyond short-term price volatility. He pointed to its primary role in facilitating efficient, low-fee, cross-border transactions and supporting infrastructure for financial institutions worldwide.
Shah emphasized that adoption and utility remain significant drivers of the token’s long-term value, as consistent network performance and institutional use cases could create a more stable environment for future growth.
While it remains uncertain whether current exchange outflows will result in another breakout, many market participants see XRPL network expansion, dwindling liquid supply, and persistent price stability as constructive signs for $XRP’s future performance.
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 ProShares Ultra XRP ETF (UXRP), a leveraged exchange-traded fund seeking to deliver double the daily performance of the Bloomberg XRP Index, has fallen sharply since its launch in July 2025. The fund has declined more than 94%, reflecting ongoing challenges for XRP-focused investment products.
UXRP struggles highlight razor-sharp risks of leverageAs of early August 2026, UXRP was trading around $10.30, marking a steep drop of approximately 95.5% from its 52-week high of $231.20. This plunge outpaced XRP’s own slide, as the digital asset hovered around $1, according to CoinGecko.
UXRP is structured to magnify XRP’s daily price changes using derivatives. Unlike traditional ETFs, leveraged funds like this are specifically tailored for daily trading and are not suited to long-term investors. The ETF’s leverage resets at the end of each trading day, which can lead to long-term performance diverging sharply from the underlying cryptocurrency.
This divergence results from volatility drag—also called beta slippage—where leveraged ETFs lose ground in unsettled or sideways trading conditions.
Mini dictionary: Volatility drag (beta slippage), a compounding effect in leveraged ETFs where returns trail both the leveraged and unleveraged assets when market conditions are volatile, due to the daily resetting of leverage.
UXRP amplifies XRP’s daily moves via derivatives, but its long-term performance can lag far behind XRP itself due to volatility drag—making it unsuitable for buy-and-hold investors.
Leveraged ETFs like UXRP are widely used by active traders or quantitative investors seeking to capitalize on short-term price swings. Despite this, a niche group of retail traders and traders involved in the Financial Independence, Retire Early (FIRE) movement have occasionally chosen to hold leveraged funds, sometimes achieving outsized gains in bull markets, like those seen with the TQQQ (3x leveraged Nasdaq-100 ETF) from 2010 to 2021. However, leveraged funds can underperform over time if markets remain volatile or move against their position.
ETFLeverageLatest Price52-Week High% Decline from HighUXRP2x$10.30$231.2095.5%XRPNone~$1.00——Spot XRP ETFs experience tough year as market weakensSpot XRP ETFs have also suffered throughout 2026, in line with broad weakness in the digital asset market. The arrival and approval of these spot ETFs in late 2025 was regarded as a landmark in cryptocurrency regulation, giving both institutional and retail investors regulated access to XRP without having to manage digital wallets or private keys.
Since their rollout, spot XRP ETFs have attracted $1.5 billion in cumulative initial inflows. Despite healthy early interest, the subsequent downturn in XRP’s price has put significant pressure on these products.
All leading spot XRP ETFs have posted year-to-date losses of more than 40% as of August 2026, with the market downturn affecting all major players.
The Bitwise XRP ETF, holding about $304 million in assets under management, has dropped around 43.2% since the start of the year. Canary Capital’s XRPC fund, which manages nearly $248.9 million, has also lost about 40.4% year-to-date.
Spot ETFAUMYTD ChangeBitwise XRP ETF$304 million-43.2%Canary Capital XRPC$248.9 million-40.4%Despite the losses, these spot ETFs continue to attract modest inflows, indicating that some investors remain optimistic or are averaging down in anticipation of a market rebound.
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.
Crypto.com rozšířil svůj Dual Invest o XRP, čímž přidal strukturované výnosové možnosti pro retail i institucionální uživatele. Platforma už podporuje také $BTC, $ETH a $SOL.
XRP Joins Crypto.com's Dual Invest Lineup@Cryptocom has expanded its Dual Invest product suite to include $XRP, opening up structured yield opportunities on the token for both retail and institutional users. The addition allows participants to target triple-digit reward rates on XRP, a rate level that Crypto.com has advertised across its Dual Invest platform since the product launched in February 2025.
Dual Invest is a structured earn feature that lets users lock in a fixed reward rate by setting a target price and term for a chosen asset. The product lets users earn rewards in one of two digital assets, depending on how the market moves. The reward rate is presented to users upfront, before they enter into a plan. At settlement, the payout is issued in either the deposited token or an alternate token, depending on whether the target price is reached.
Three primary strategies are available: "Buy Low" for purchasing assets at a target price lower than current, "Sell High" for selling at a target price higher than current, or hold and earn rewards. The structure gives users a degree of flexibility across different market conditions, which Crypto.com positions as a hedge against volatility.
XRP Added Alongside $BTC, $ETH, and $SOLWith the XRP inclusion, Dual Invest now covers a broader set of major assets. $BTC, $ETH, and $SOL were already available on the platform before this latest expansion. An Auto-Renew feature is also available, which automatically places a new order with the same target price and deposit amount if a user's target price is not reached at expiry. This allows users to maintain exposure without needing to manually re-enter positions.
The timing of the addition is notable given the growing institutional profile of XRP. The SEC dropped its case against Ripple in 2025, and seven spot XRP ETFs are live in the US with over $1.2 billion in assets under management. That regulatory clarity has helped bring more structured products to market around the asset.
As with any structured yield product, risks remain. Market risk means the value of tokens may fluctuate based on market conditions. If a target price is reached and the deposit token is automatically converted, but the deposit token's price continues to move in the same direction, users could miss out on potential gains. Dual Invest is available in select jurisdictions.
Sources:
Crypto.com: Dual Invest Product Launch
Crypto.com Help Center: Dual Invest
Crypto.com University: What Is Dual Invest
XRPL navrhuje upgrade On-Chain Cosigner, který má přesunout koordinaci schvalování multisig přímo na řetězec. Cílí hlavně na institucionální custody a enterprise workflow.
A newly proposed upgrade to the XRP Ledger (XRPL) could significantly modernize how multi-signature transactions are coordinated.
The proposal ("On-Chain Cosigner") has been submitted in the XRPL Standards repository.
If eventually adopted through the amendment process, it would allow signers to coordinate and collect multi-signature approvals directly on the XRP Ledger. There will be no need to rely on external communication channels and centralized coordinators.
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The proposal was authored by Shawn Xie, Zhiyuan Wang, Chenna Keshava B S, and Mayukha Vadari.
As explained by prominent XRPL community member Vet, the proposal addresses one of the biggest shortcomings of the ledger's existing multisignature implementation.
"On most chains and currently on the XRPL, multi-signers need to coordinate and collect signatures off-chain or with smart contracts," Vet explained. "This adds native on-chain multi-sig coordination, completely decentralized."
Eliminating the "last mile" problemIt should be noted that XRPL already supports multi-signature transactions, but the proposal argues that the current implementation still depends on an off-chain coordination process.
Today, a transaction must first be created and distributed manually to each authorized signer. Individual signatures are collected through external channels (email and so on).
The authors argue this process creates what they describe as the "last mile" problem.
If that coordinator loses collected signatures or goes offline, the signing process can fail.
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Under the proposal, a participant would first create a TransactionProposal object directly on the XRP Ledger.
It would be permanently stored on-chain with an immutable transaction payload.
Each signature would be validated immediately upon submission and added to the proposal's growing list of approvals.
Anyone could copy the completed transaction and submit it through XRPL's standard transaction process. No additional signature assembly would be required.
Built for institutional workflowsThe proposal places particular emphasis on enterprise and institutional use cases.
It notes that the feature is intended to complement several other advanced XRPL capabilities, including Batch transactions (XLS-56), sponsored fees and reserves, and future lending protocol operations.
Koluje falešná kopie webu Ripple, která láká dlouhodobé držitele XRP na „early access“ a po připojení peněženky spouští drainer. David Schwartz varoval: „IT'S A SCAM!“
A convincing clone of Ripple's official website is circulating online, designed to drain the wallets of long-term $XRP holders. The fraudulent page replicates Ripple's branding, color scheme, and typography in close detail, and uses a loyalty angle to lower victims' guard, promising a reward for HODLers who never sold their tokens.
How the Scam Works The fake site presents a "Get Early Access" button aimed at committed XRP holders. Clicking it triggers a crypto drainer, a malicious script that, once a wallet is connected, executes an outbound transaction before the user realizes what has happened. Users are directed to a fraudulent site where connecting a non-custodial wallet triggers a malicious script that executes a single authorized transaction to empty holdings. The authorization step is the trap: once signed, the transaction is irreversible on-chain.
XRP Ledger chief architect David Schwartz (@JoelKatz) called out the site publicly on X, posting a blunt warning: "IT'S A SCAM!" Ripple does not run free XRP giveaways, and posts claiming otherwise on behalf of the company or its executives should be treated as scams. Ripple will never ask you to send XRP.
Part of a Broader Scam Wave Targeting XRP Holders The fake Ripple site is not an isolated incident. Scammers have deployed sophisticated phishing campaigns that bypass email authentication checks, while over 50 fake Ripple executive accounts were reported on Instagram and Telegram in Q1 2026. Fresh security warnings have targeted XRP users amid an ongoing scam wave, with fake sites cloning Flare Network, XORA, and other XRP-adjacent brands.
Blockchain analytics firm Chainalysis estimates that as much as $17 billion was stolen globally through crypto scams in 2025, the highest level ever recorded. Impersonation scams posted 1,400% year-over-year growth, driven in large part by AI tools that make fraudulent content faster to produce and harder to detect.
Schwartz's verified presence remains limited to his @JoelKatz handle on X. Fake Schwartz accounts have appeared on Telegram, Instagram, and other platforms. Holders are urged to verify all announcements through official channels, avoid clicking unsolicited links, and never connect a wallet to a site promoted through social media posts or direct messages.
Sources:
Ripple: How to Identify Crypto Scams
CryptoNews: Ripple CTO David Schwartz Warned of AI-Cloned Executives
CoinDesk: Chainalysis Report on AI and Impersonation Scams
Partial Payments v XRP Ledger nejsou chyba: mohou doručit méně, než je uvedeno v Amount. XRPL doporučuje pro připsání používat metadata delivered_amount, ne Amount.
Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available.
In a recent post, Hussein Zangana (Vet) highlighted a little-known but longstanding XRP Ledger functionality that might be exploited by bad actors if not implemented correctly.
Vet shared his observation along these lines, noting that now and then, people try to trick exchanges and projects into crediting them more funds than they are sending.
This relates to XRP Ledger Partial Payment, a payment that can succeed while delivering less than the stated amount.
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The good news is that this functionality is nowadays very well understood by all large exchanges, Vet noted, but there is a need for new projects to understand it well, as Partial Payments can be used to exploit native integrations with the XRP Ledger to steal money from exchanges and gateways.
I always see every now and then, like today, people probing to trick exchanges/projects to credit them more funds than they were sending them.
An XRP Ledger Partial Payment is a payment that can succeed while delivering less than the stated Amount. For exchanges, if you check… pic.twitter.com/xcEYBcMEGj
— Vet (@Vet_X0) August 5, 2026 "New projects and platforms should always be pointed to the XRPL docs to check the correct fields for crediting funds," Vet advised, in order to prevent mistakes that might arise from incorrect implementation of the partial payments functionality.
XRP Ledger Partial Payments: What new users should knowThe Partial Payment flag on the XRP Ledger allows a payment to succeed by reducing the amount received instead of increasing the amount sent. Partial payments are useful for returning payments without incurring additional costs.
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The sender of any payment transaction can enable the "Partial Payment" flag and send a payment that delivers less than the "Amount" field indicates.
The XRP used for transaction costs is always deducted from the sender's account, irrespective of the transaction type. This transaction fee is not included in the amount; however, this functionality might be exploited.
If a financial institution's integration with the XRP Ledger assumes that the amount field of a payment is always the full amount delivered, bad actors may exploit this assumption to steal funds from the institution. This exploit can be used against gateways, exchanges, or merchants as long as those institutions' software does not process partial payments correctly.
According to XRPL docs, the correct way to process incoming payment transactions is to use the "delivered_amount" metadata field, not the "Amount" field. The "delivered_amount" is the amount a payment actually delivered. This way, an institution is never mistaken about how much it actually received.
Ripple získal od lucemburského regulátora CSSF licenci CASP podle MiCA, která mu umožní nabízet regulované kryptoplatby ve všech 30 zemích EHP. Společnost tak rozšiřuje své evropské působení v rámci jednotného compliance rámce.
Ripple has obtained a Crypto-Asset Service Provider (CASP) license from Luxembourg’s financial regulator, the CSSF, under Europe’s MiCA legislation, enabling the company to offer regulated crypto payment services across all 30 countries in the European Economic Area (EEA).
MiCA license enables single-market accessWith this new authorization, Ripple can operate throughout the EEA using a unified compliance framework. This simplifies the process for banks, payment providers, and enterprises wishing to engage with Ripple Payments, as they no longer need to deal with fragmented national regulatory systems. The company’s existing Electronic Money Institution (EMI) license complements this expansion, reinforcing its position within the regulated European crypto landscape.
Ripple has emphasized that regulatory clarity is essential for building institutional trust and advancing crypto adoption. The company stated that clear regulations provide a crucial foundation for collaboration with traditional financial institutions.
Growing adoption of digital assets in EuropeThe rapid shift toward blockchain integration in Europe has positioned the region as a frontrunner in digital asset adoption. Financial institutions are increasingly leveraging blockchain technology not just experimentally, but within core payment and treasury operations.
A recent Global Digital Asset Survey from Ripple highlighted that 72% of European fintech firms consider digital assets vital for maintaining competitiveness, and nearly half anticipate that stablecoin payments will become a fundamental part of their business models within the next two years.
According to the survey, 34% of European fintech organizations are increasing their use of digital assets for treasury management and payments—exceeding the global average—while 44% expect stablecoins to be the default for cross-border payments in five years and 65% believe stablecoins could enhance treasury operations by improving cash flow and working capital.
Regulatory clarity drives institutional partnershipDespite a surge in interest among financial firms, regulatory uncertainty was identified as a significant obstacle, with approximately 40% of European fintechs citing it as a reason for delayed adoption. The introduction of the MiCA framework provides unified rules and has the potential to accelerate institutional adoption by reducing legal ambiguity.
Ripple already has an established footprint within the European financial sector. In Spain, BBVA has formed a partnership with Ripple for digital asset custody services. Meanwhile, Germany’s DZ BANK, a major depository institution managing €350 billion in assets, adopted Ripple-powered technology for its institutional digital asset custody infrastructure.
These partnerships illustrate Ripple’s growing presence in payments, custody, and Europe’s evolving digital financial infrastructure. The company’s payments network currently spans over 60 markets, connects with 51 real-time payment rails, works alongside more than 20 banking partners, and has processed more than $100 billion in payment volume.
Global stablecoin transaction volumes surpassed $33 trillion in 2025, outpacing credit card transactions and reflecting the rising mainstream use of blockchain-based settlement models.
Expanding access through innovationTechnological advancements continue to play a critical role. Platforms such as 1stepSwap are closing the gap between conventional finance and crypto by allowing users to transfer real-world assets, including shares from leading US companies and commodities like gold and silver, directly onto the blockchain. Without complicated processes or intermediaries, investors can access a diversified portfolio and, thanks to cutting-edge algorithms, execute trades at the most competitive market rates.
With the MiCA regulation now implemented and early authorization secured, Ripple views regulatory compliance as a strategic benefit. The company aims to support banks, fintechs, and enterprises in expanding compliant digital asset payments across Europe as institutional adoption accelerates.
Ripple’s strategic moves signal its intention to become a key infrastructure provider for Europe’s next wave of digital finance, offering regulated solutions for payments, custody, and institutional asset management in line with evolving regulatory demands.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
SBI Holdings dokončila akvizici Bitbank za 46,7 miliardy jenů, tedy asi 289 milionů dolarů. Po spojení se SBI VC Trade bude spravovat přes 1,1 bilionu jenů v digitálních aktivech.
SBI Holdings, a major Japanese financial conglomerate and a key partner of Ripple in Asia, has finalized the acquisition of Bitbank, one of Japan’s largest cryptocurrency exchanges, for 46.7 billion yen, equivalent to approximately $289 million.
Acquisition strengthens SBI’s crypto portfolioSBI Holdings is headquartered in Tokyo and operates across various financial services, including securities, banking, and insurance. This purchase ranks among the largest-ever crypto acquisitions in Japan and is set to position SBI as the country’s leading digital asset provider by total assets under management.
The transaction will take place in stages. Initially, an SBI subsidiary will acquire shares from Bitbank founder Noriyuki Hirosue and other individual stakeholders. Later, it will purchase the remaining equity held by major investors MIXI and Ceres within the year. Once completed, Bitbank will become a consolidated subsidiary of SBI Holdings, following negotiations that began in May.
With this acquisition, SBI’s digital asset operations will reach new heights. The group, combining Bitbank with its existing platform SBI VC Trade, will oversee around 2.92 million customer accounts and more than 1.1 trillion yen (over $7 billion) in digital assets—surpassing major competitors bitFlyer and Coincheck.
ExchangeDigital Assets Under CustodyCustomer AccountsSBI (after Bitbank deal)Over $7 billion2.92 millionbitFlyerBelow $7 billionLess than 2.92 millionCoincheckBelow $7 billionLess than 2.92 millionDeepening the Ripple partnershipSBI’s relationship with Ripple, a US-based blockchain firm best known for its XRP cryptocurrency and payment protocols, remains central to its strategy. Since the launch of SBI Ripple Asia in 2016, these companies have promoted Ripple’s blockchain technology and XRP-powered payment services across Japan and the broader Asia-Pacific region.
For years, SBI has played a key role in building one of Asia’s most expansive cross-border payment networks and has consistently advocated institutional use of XRP. Its regulated exchange, SBI VC Trade, was one of the earliest Japanese platforms to list XRP and recently became the first in the country to list Ripple’s RLUSD stablecoin.
Bitbank, established in 2014, is known as a top crypto exchange in Japan with a focus on regulatory compliance and user security.
Mini dictionary: RLUSD, short for Ripple Liquidity USD, is a stablecoin pegged to the US dollar and designed to facilitate low-cost, rapid cross-border payments using Ripple’s payment infrastructure.
SBI Chairman and CEO Yoshitaka Kitao, who previously served on Ripple’s board, has actively supported Ripple’s expansion and vision for blockchain-based remittance and settlement networks.
SBI’s longstanding commitment to XRP and Ripple’s technology has helped establish Japan as a key global market for blockchain payments and institutional adoption.
Strategic outlook and recent movesAlthough SBI Holdings has not shared immediate plans concerning Bitbank’s existing operations, acquiring the exchange lays the groundwork for a much larger regulated digital asset platform in Japan. This scale could accelerate the use of Ripple’s payment products, including XRP and RLUSD, among domestic and institutional clients.
In addition to the Bitbank purchase, SBI-backed ventures have rolled out significant initiatives in the sector. Notably, gumi—a digital entertainment and blockchain company in which SBI is a stakeholder—recently launched an $86 million initiative focused on XRP and introduced an $18.3 million crypto investment fund to widen institutional blockchain access.
Market observers note that these strides reinforce Japan’s status as one of the most XRP-friendly jurisdictions, as institutional acceptance increases and regulatory clarity continues to take shape.
Japan’s ongoing adoption of Ripple-powered infrastructure and digital assets reflects its ambitions to become a leading fintech hub, leveraging innovation while maintaining strong oversight.
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.
Senátor John Kennedy vyzval Senát, aby před srpnovou přestávkou hlasoval o CLARITY Act. Zákon má vymezit, kdy je kryptoměna cenný papír a kdy komodita, což by mohlo pomoci XRP i širšímu trhu.
Senator John Kennedy has called for the U.S. Senate to take action on the CLARITY Act before Congress leaves for its August recess, raising hopes for long-awaited regulatory certainty around digital assets. Kennedy, speaking directly on the Senate floor, emphasized that lawmakers have spent years working on cryptocurrency legislation and that it is time for Congress to act.
Push for crypto legislation gains momentumKennedy urged colleagues to move forward, underscoring the importance of wrapping up legislative work on digital assets. His remarks reflect growing urgency in Washington to establish a comprehensive regulatory system that would offer guidance for companies operating in the cryptocurrency market.
The CLARITY Act has been crafted to define the regulatory boundaries for cryptocurrencies in the United States. The bill seeks to explicitly delineate when a digital asset should be regarded as a security and when it qualifies as a commodity, addressing longstanding ambiguity that has affected the industry.
For Ripple’s XRP, this distinction is critical. Regulatory uncertainty has persisted since the SEC initiated legal action against Ripple, prompting many U.S. financial institutions and service providers to take a cautious approach toward the token. While Ripple continued its international expansion, hesitation among U.S. banks and investors remained due to unclear legal guidance.
Ripple has positioned itself as a leader in enterprise blockchain solutions and cross-border payments for regulated financial institutions, making legal certainty an essential factor for broader adoption in the United States.
Market analysts suggest that a unified regulatory policy could boost institutional participation, enabling banks, asset managers, public companies, and pension funds to allocate capital to the crypto sector with greater confidence.
Potential boost for Ripple and wider industryThe CLARITY Act, if passed, could accelerate institutional investment, expand digital asset custody options, and encourage more exchanges to list XRP and similar assets. A predictable regulatory environment is often seen as a catalyst for wider industry adoption and innovation across the blockchain sector.
Ripple has proactively broadened its global payment network, launched the RLUSD stablecoin, and advanced initiatives on the XRP Ledger involving tokenization and real-world assets. These steps have been complemented by securing regulatory approvals in major international markets. As a result, Ripple is positioned to leverage its foundation once a comprehensive U.S. framework is enacted.
Beyond Ripple, many blockchain startups have shifted operations abroad, seeking jurisdictions where crypto policies are more clearly defined. Enacting the CLARITY Act could encourage developers, exchanges, and institutional providers to invest domestically, strengthening the U.S. presence in the digital asset economy.
Kennedy’s push for an immediate vote highlights growing bipartisan support for cryptocurrency legislation, as more lawmakers argue against relying predominantly on enforcement actions and seek to implement practical, industry-wide rules.
Outlook for institutional adoption and real-world innovationMarket confidence often improves with reduced legal uncertainty. For XRP, whose price action has frequently tracked developments in U.S. regulatory policy, advancement of the CLARITY Act could lift one of the major hurdles facing investor sentiment and institutional allocation.
The XRP community, along with much of the U.S. cryptocurrency sector, is closely watching the legislative process. Supporters argue that the CLARITY Act does not offer special benefits to XRP but provides regulatory foundations needed for the entire industry’s development.
Many believe that Congressional approval of the bill before the August recess would signal a decisive step forward in America’s approach to digital assets, possibly paving the way for increased institutional involvement and renewed U.S. leadership in the global crypto market.
As industry participants monitor technical developments related to regulatory clarity and evolving market structure, interest is also growing in accessible investment options. In this context, 1stepSwap has emerged as a practical platform enabling users to bring real-world assets directly onto the blockchain. The platform provides access to shares of major U.S. companies and commodities such as gold and silver, allowing direct wallet transactions without intermediaries. By consistently offering the best available prices and rapid execution, 1stepSwap aims to simplify diversification and strengthen ties between traditional and digital finance.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
XRP Ledger a jeho EVM Sidechain jsou nyní napojeny na síť Axelar, což umožňuje přesun XRP a dalších aktiv mezi více než 80 blockchainy. Axelar je zároveň jediným mostem pro wrapped XRP na XRPL EVM Sidechain.
The XRP Ledger just got a passport. XRPL and its EVM Sidechain are now live on Axelar’s interoperability network, letting users move XRP and other supported assets across more than 80 blockchains without juggling multiple bridges.
The integration, announced on July 20, represents the culmination of a partnership that’s been building since at least 2024, when Axelar was first tapped as the bridge provider for the XRPL EVM Sidechain. That sidechain itself only went live on June 30, 2025. So in roughly three weeks, the team moved from “EVM compatibility exists” to “here’s connectivity to basically every major chain.”
How the plumbing works Axelar operates as a decentralized network that connects disparate blockchains. Its Interchain Token Service handles the actual mechanics of wrapping and unwrapping tokens as they move between chains. You send XRP from the XRP Ledger, and it shows up as a usable asset on Ethereum, Avalanche, Polygon, or whichever of the 80-plus supported chains you’re targeting.
Axelar serves as the exclusive bridge for wrapped XRP moving to and from the XRPL EVM Sidechain.
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The cross-chain transfer experience is powered in part by Squid, which provides the user interface layer for moving assets. Squid abstracts away the complexity of selecting routes, estimating fees, and confirming transactions across chains.
The collaboration roster includes Ripple, Peersyst, which developed the XRPL EVM Sidechain, and the Axelar Foundation.
Why EVM compatibility changes the game for XRP The XRP Ledger has historically been somewhat isolated from the broader DeFi ecosystem. Most DeFi protocols run on EVM-compatible chains. The XRP Ledger doesn’t natively speak that language.
The EVM Sidechain solves this by giving XRPL an Ethereum-compatible environment that runs alongside the main ledger. Ripple CTO David Schwartz has emphasized the importance of EVM compatibility for expanding XRP’s reach into institutional use cases.
Axelar co-founder Georgios Vlachos has pointed to institutional applications as a key driver behind the integration. Ripple has long positioned itself as the crypto company that targets enterprise clients, and connecting XRPL to 80-plus chains through a single verified bridge fits that narrative.
What this means for investors The most immediate implication is increased utility for XRP. An asset that can seamlessly move across 80-plus chains has more potential use cases than one confined to a single ledger.
Cross-chain bridges have historically been double-edged swords. The Ronin bridge exploit alone cost over $600M. Axelar’s position as the sole bridge for wrapped XRP concentrates risk in a single point of infrastructure.
Investors should monitor adoption metrics in the coming months: how much wrapped XRP flows through Axelar, which destination chains attract the most volume, and whether DeFi protocols begin building XRP-specific products.
Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.
XRP se drží poblíž 1,07 USD a open interest spadl na šestiměsíční minimum, což ukazuje na ústup páky a slabou důvěru v odraz. Klíčová support zóna je mezi 1,05 a 1,06 USD.
XRP extended its decline on Aug. 5, 2026, trading near $1.07 as buyers struggled to move the token away from its lower range.
Summary
XRP trades near $1.07 as weak momentum keeps the token pinned above crucial technical support. CoinGlass data shows open interest near $2.25 billion after leveraged positions continued unwinding across exchanges. CryptoQuant sees balanced liquidations and neutral funding, suggesting positioning reset rather than forced capitulation currently. U.S. spot XRP ETFs reportedly logged four consecutive inflow days despite the token’s weak price. A sustained break below $1.05 could expose $1.00, while $1.10 remains the first recovery hurdle. crypto.news data showed XRP down about 0.9% over 24 hours, with trading volume near $911.7 million and market capitalization around $66.7 billion. XRP remained the sixth largest cryptocurrency.
The decline left XRP close to the $1.05 to $1.06 area that has repeatedly attracted buyers since late June. However, momentum indicators, spot flows and derivatives positioning offer little evidence of a confirmed recovery.
The current setup is not a typical liquidation collapse. Leverage has declined, funding remains close to neutral and liquidations have been relatively balanced. These conditions may reduce the risk of an immediate forced selloff, but they also show that traders have limited conviction in a rebound.
XRP price remains trapped near its lower range The supplied XRP/USDT daily chart shows a broad decline from above $2.50 to around $1.0676. Recent candles have formed a narrow consolidation close to the bottom of that move. XRP has not established a sustained recovery above $1.10, leaving the short term structure weak.
The relative strength index stood at 43.71, below both the neutral 50 level and its moving average of 44.87. The reading shows that buying momentum remains limited, although XRP has not entered deeply oversold territory on the daily chart.
XRP price chart, source: crypto.news MACD also remains mildly bearish. The MACD line was near negative 0.0110, below the signal line around negative 0.0101. The histogram remained slightly negative at about negative 0.0009. The small difference between the lines points to weak downside momentum rather than a sharp acceleration.
The immediate technical test sits between $1.05 and $1.06. A daily close below that range could expose the psychological $1 level and the late June lows around $1.01. XRP briefly broke the $1.05 area on July 28 before buyers returned. The earlier decline also pushed the four hour RSI into oversold territory, but that reading did not create a lasting reversal.
A recovery above $1.10 would provide the first evidence that buyers are regaining control. XRP would then need to clear the $1.13 to $1.15 region, which has repeatedly limited advances since June.
Analyst Ali Charts described $1.06 as the deciding level. His upside estimates of “$1.35 and $1.64” depend on XRP holding support and confirming a recovery. His downside levels of “$0.80 and potentially $0.62” require a clear breakdown. Neither path has been confirmed.
Other social media forecasts calling for “$23” or “$50+” are highly speculative. Those targets sit far above the current price and are not supported by present momentum, verified institutional forecasts or an established breakout structure.
Lower leverage points to a quiet positioning reset CoinGlass data showed XRP futures volume near $1.35 billion and total derivatives open interest around $2.25 billion at the time of reporting. The price on the platform stood near $1.067. The supplied data snapshot showed volume falling 10.27% and open interest declining 5.59% over 24 hours.
Falling price and falling open interest usually mean traders are closing positions rather than adding aggressive new shorts. This can reduce the fuel available for large liquidation driven moves. It does not, however, establish that spot buyers are ready to take control.
A separate CryptoQuant analysis found that its XRP open interest measure had fallen into a six month range low between 362 million and 369 million. The estimated leverage ratio also declined toward 0.139 to 0.142, close to the lowest reading during the same period.
CryptoQuant contributor CryptoOnchain also noted that funding remained between roughly negative 0.009 and positive 0.010 during the latest decline. Long and short liquidations alternated rather than producing a one sided cascade. The analyst interpreted the structure as a positioning reset rather than forced capitulation.
Network valuation also compressed faster than reported transaction activity. CryptoOnchain said the network value to transactions ratio fell 42.7% compared with its three month average, while transaction count declined 23.3%. This may indicate that market valuation weakened faster than ledger usage, but it does not provide a reliable timing signal for a price reversal.
The supplied CoinGlass spot flow chart recorded a net outflow of about $2.15 million on Aug. 5. Recent negative readings have been smaller than the large outflow spikes recorded in late 2025. Selling pressure appears less intense, but sustained positive flow would offer stronger evidence that demand is improving.
XRP Spot Inflow/Outflow, source: CoinGlass U.S. XRP demand has not produced a breakout U.S. spot XRP exchange traded funds have continued attracting capital despite weak price performance. Recent flow data reportedly showed four consecutive inflow sessions totaling about $15.4 million.
XRP nevertheless remained near $1.08 during that period, showing that the purchases were not large enough to overcome selling elsewhere in the market.
As crypto.news reported in an earlier analysis, five U.S. spot XRP funds launched between November and December 2025 and had attracted roughly $1.5 billion by mid 2026. The funds created a new regulated source of demand, but XRP remained confined to a range around $1.00 to $1.13.
This divergence suggests that ETF inflows alone have not been enough to change the wider trend. Fund purchases must compete with token sales, exchange activity, derivatives hedging and weaker demand across offshore spot markets.
Regulated derivatives activity provides another U.S. market signal. CME Group data showed activity across its standard XRP futures contracts, while the settlement page listed prior day open interest of 6,894 contracts. CME contract data cannot be compared directly with CoinGlass totals because the products use different contract sizes and reporting methods.
The legal risk surrounding Ripple has also changed. The SEC and Ripple dismissed their appeals in August 2025. The district court’s final judgment remained in force, including a $125.04 million penalty and an injunction concerning future registration violations. The dismissal removed the active appeal, but it did not erase the court’s findings involving Ripple’s institutional sales. The SEC litigation release confirms that status.
Wider U.S. legislation remains unresolved. The CLARITY Act has reached the Senate calendar, but it still requires sufficient floor support, reconciliation with other legislative text and presidential approval. Seven Democratic senators said in July that the Republican proposal still fell short on several matters, and no final Senate vote had been confirmed by Aug. 5.
A confirmed vote or renewed delay could influence sentiment toward XRP and other U.S. traded digital assets. It would not, by itself, guarantee a sustained price move.
Ripple developments have not changed near term momentum Ripple announced strategic investments in ZILO and Licuido on Aug. 3. The companies plan to add transfer agency, token issuance, trading and collateral tools to Ripple’s institutional infrastructure on the XRP Ledger. Ripple did not disclose the investment amounts or financial targets. The official company announcement described RLUSD as a settlement asset for tokenized fund transactions.
As crypto.news reported in related coverage, the investments support Ripple’s broader move into tokenized capital markets. They have not yet produced disclosed revenue, transaction volume or XRP demand that can be tied directly to the token’s price.
The XRP Ledger also faced a validator manifest flood in late July. Developers released xrpld version 3.2.1 to restrict the processing and storage of untrusted manifests. The ledger continued closing normally, and no confirmed loss of funds or altered transactions was reported. Node operators were urged to install the update.
The next price signal will likely come from the market itself. Traders will watch whether XRP can hold $1.05, reclaim $1.10 and build stronger volume above $1.15. Open interest should also stabilize without price making new lows. Continued ETF inflows would be more constructive if they coincide with positive spot flows and stronger momentum.
A break below $1.05 would keep $1.00 exposed. A confirmed daily recovery above $1.15 would weaken the immediate bearish structure. Until either event occurs, XRP remains in a low conviction range with reduced leverage and limited bullish confirmation.
FAQs Is XRP oversold? Not on the supplied daily chart. Its RSI near 43.71 remains below neutral but above the conventional oversold level of 30. Shorter time frames have reached oversold readings during recent declines, although those readings did not confirm a lasting bottom.
Does falling open interest support an XRP recovery? It can reduce liquidation risk because fewer leveraged positions remain open. A recovery still requires stronger spot demand, improving momentum and price confirmation above resistance.
Why have XRP ETF inflows not lifted the price? ETF demand represents only one part of the market. It can be offset by direct token selling, hedging, weak offshore demand and distributions from existing holders.
What are the main XRP levels to watch? The immediate support range is $1.05 to $1.06, followed by $1.00. Initial resistance sits near $1.10, with stronger confirmation required above $1.13 to $1.15.
Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.
U.S. spot XRP exchange-traded funds (ETFs) have extended their streak of positive momentum.
Although Aug. 4 ended with flat flows, the broader trend points to steady institutional confidence.
According to the latest market data, U.S. spot XRP ETFs recorded $0 in net inflows on Aug. 4. Funds attracted $1.15 million on Aug. 3, $7.69 million on July 31, $5.98 million on July 30 and $584,710 on July 29.
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Taken together, those sessions brought in approximately $15.4 million before inflows paused. The latest flat session therefore extends the streak of trading days without outflows to four.
Despite the absence of new money on Aug. 4, cumulative net inflows across all U.S. spot XRP ETFs remained at a robust $1.51 billion.
Total net assets stood at approximately $1 billion, equivalent to about 1.49% of XRP's total market capitalization.
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Total value traded across XRP ETFs came in at $7.49 million, down from $9.99 million on Aug. 3 and below the roughly $10.3 million recorded on July 29.
Even though the volumes eased, the lack of redemptions indicates that investors largely held their positions rather than exiting the market.
As reported by U.Today, XRP-focused ETFs stood out last week by attracting $15 million in net inflows. In comparison, Bitcoin ETFs saw $0.6 million in net outflows, Solana ETFs lost $17 million, and Ethereum ETFs posted a modest $0.4 million in inflows.
Largest funds continue to dominateBitwise's spot XRP ETF remains the largest fund by assets under management. It is followed by Franklin's XRPZ with roughly $258 million and Canary's XRPC with about $250.2 million.
21Shares' TOXR manages approximately $116.7 million, while Grayscale's GXRP oversees around $59.4 million. Combined, the five U.S. The recent streak follows a month marked by generally resilient investor demand. Since the start of July, XRP ETFs have experienced only a handful of outflow sessions, the largest being a $7.29 million withdrawal on July 8. Most other trading days either attracted fresh capital or finished with neutral flows.
The XRP Ledger is getting one of its biggest updates in a long time, moving from version 3.2.1 to version 3.3.0. The upgrade brings six new features, though not all of them are as new or exciting as they sound.
How XRPL Updates Actually Work
The XRP Ledger runs on a network of computers called nodes, all connected to each other and all running the same software, known as XRP Ledger D. The “D” stands for daemon, which is just a technical term for a background service.
Version numbers follow a simple pattern: major changes update the first number, new features update the second number, and small bug fixes update the third number. Going from 3.2.1 to 3.3.0 means new features are being added, not a fundamental overhaul of how the network works.
Batch: Bundling Transactions Together
The new Batch feature lets users bundle up to eight transactions into one now, rather than signing each one individually. One version of this feature, called all-or-nothing mode, ensures a group of transactions either all succeed together or none of them happen at all, a concept known as atomic settlement.
This matters most for two use cases: letting retail apps monetize more easily, and enabling what’s called delivery versus payment for institutions, where two parties can exchange cash and assets with complete certainty that the trade either fully completes or doesn’t happen at all.
Permission Delegation: Sharing Control Without Losing It
This feature lets institutions hand over specific transaction permissions to other parties without giving up overall control. For example, Ripple could use this to let partner banks help mint its RLUSD stablecoin, similar to how Circle already allows partners to help mint USDC. That could expand how much RLUSD gets issued without Ripple handling every transaction itself.
Sponsor: Removing a Technical Barrier for New Users
Right now, doing almost anything on the XRP Ledger requires locking up some amount of XRP, whether that’s activating an account, creating a trading offer, or holding tokens and NFTs. The Sponsor feature lets companies cover XRP reserve costs for their users now, meaning a business like a neobank could pay these technical costs on a customer’s behalf, making it possible for everyday users to interact with the XRPL without needing to understand its underlying reserve requirements.
Confidential Transfers: Limited Privacy, Not Full Anonymity
Confidential Transfers hides balances only for the multi-purpose token standard, the newer token type built for tokenizing real-world assets like stocks and bonds. This does not hide XRP balances, NFT holdings, or standard IOU tokens.
With this feature, the fact that a transfer happened remains visible, but the actual amount being sent, and how much someone held beforehand, stays hidden. Institutions can still selectively disclose that information for tax or compliance purposes when needed. Broader privacy features covering entire accounts, and potentially XRP itself, are expected to arrive later, likely next year.
Two Features That Are Less Than They Sound
Dynamic MPT simply makes the multi-purpose token standard more flexible by allowing its properties to change after a token is created, a useful but fairly minor enhancement. Fix Cleanup isn’t really a feature at all. It’s simply a bundle of software and security fixes rolled into the update. Two of the six announced features are actually less significant than the others, based on how the update was framed.
Of everything included in version 3.3.0, Batch is expected to have the most impact on everyday users, since it directly improves how transactions feel to use on the network.
Story Ends Here
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Počet držitelů RWA na XRP Ledger vzrostl za poslední měsíc o 25,16 % díky snaze Ripple o větší adopci mezi institucemi. Tržní kapitalizace stablecoinů na síti zároveň klesla o 9,04 % na 901,4 milionu USD.
As Ripple continues to expand the XRP Ledger infrastructure, facilitating adoption among institutions, the blockchain has continued to see a rapid increase in its holder count.
Following Ripple's persistent push, XRP Ledger is seeing renewed momentum in its tokenized asset market as the latest data from the real-world asset ecosystem shows that its number of RWA holders has soared by 25.16% over the last month.
XRPL RWA infrastructure expands Just a few days ago, Ripple disclosed its new investments in two major companies solely for the purpose of advancing the XRP Ledger infrastructure to foster institutional adoption of tokenized assets on the blockchain.
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Ripple's consistent push and expansion into the capital market follows its plan to position the XRP Ledger as a leading platform for institutional finance and real-world asset tokenization.
card
Apart from the surge in its RWA holders, data also shows that over a thousand developers and businesses are building on the network as XRP Ledger continues to expand its infrastructure to offer enterprise-grade reliability, scalability, and cost-efficient transactions.
XRPL stablecoin market still underwater Despite the notable surge in RWA holders on the XRP Ledger, its stablecoin market did not show any major recovery; rather, it painted a mixed picture.
Per the data, the stablecoin market capitalization on the XRP Ledger has fallen by 9.04% to $901.4 million over the same period.
However, the number of stablecoin holders also flashed positive momentum, surging modestly by 0.92% over the 30-day period to more than 60,240 addresses.
Ripple se díky integraci ECS Fin dostává k sítím SWIFT a Fedwire/FedNow jako „Ready Application“. Banky tak mohou přes ECS Fin využívat XRP bez přímého vztahu s Ripple.
A recent disclosure from cryptocurrency researcher SMQKE has drawn attention to ECS Fin, a New York-based financial technology firm, for its role in connecting Ripple and its native token, XRP, to major institutional payment networks including SWIFT and the US Federal Reserve.
ECS Fin and major payment railsECS Fin provides payment processing and transaction messaging services to banks and corporations globally. The company is recognized for integrating financial institutions with payment channels such as Fedwire, SWIFT, and ACH, while supporting industry standards like ISO 20022. ECS Fin’s solutions facilitate interbank transactions and real-time payment capabilities.
In October 2025, ECS Fin secured SWIFT Compatible Application status for its IMS Payments platform, illustrating its deep entrenchment in global payments infrastructure. The company’s established relationships with key financial networks position it as a pivotal intermediary for banks moving funds across systems.
Mini dictionary: ECS Fin is a US-based fintech company specializing in banking transaction processing and connectivity for global payments and settlement systems.
Ripple listed as a ready applicationScreenshots shared by SMQKE displayed Ripple as a “Ready Application” on ECS Fin’s platform, along with industry giants like SWIFT, FedACH, Fedwire, FedNow, and Mastercard. This designation signals that ECS Fin’s technology enables institutions to process payments through Ripple’s network on the same basis as established banking channels.
Ripple has been included in ECS Fin’s platform alongside SWIFT and the Federal Reserve, allowing connected banks to utilize Ripple’s technology as they would other major payment networks.
Banks working with ECS Fin can now access Ripple’s XRP-powered payment solutions and route transactions through these channels without direct relationships with Ripple. Although Ripple does not hold a master account with the Federal Reserve, ECS Fin serves as an intermediary, granting indirect access to national payment rails.
With the Federal Reserve’s Fedwire service fully adopting the ISO 20022 messaging standard in July, ECS Fin’s compliance with this protocol further streamlines interoperability between Ripple and institutional counterparts. Ripple’s own framework aligns with ISO 20022, facilitating its integration into established financial ecosystems.
Industry impact of the integrationRipple’s listing on ECS Fin’s platform signifies its elevated standing among global payment networks. Industry data reveals that over 70% of FedNow vendors also have ties to Ripple, either directly or through intermediaries, which broadens the cryptocurrency company’s reach within US instant payments.
In addition, Ripple’s application for a Fed Master account suggests ambitions to offer stablecoin services linked to the Federal Reserve’s rails. As Ripple deepens its relationships with institutions via ECS Fin and similar partners, it continues to strengthen its institutional presence in the payments sector.
PlatformIntegration StatusMajor Networks SupportedECS FinSupports Ripple, SWIFT, FedACH, Fedwire, FedNow, MastercardFedwire, SWIFT, ACH, RippleRippleReady Application on ECS FinAccessible via ECS Fin’s integrations Ripple’s growing institutional access reflects broader trends in the financial industry, as digital asset networks gain compatibility with legacy payment infrastructures through vendors like ECS Fin.
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 na XRP Ledgeru 3. srpna emitoval RLUSD za 133,3 milionu USD. Za posledních 30 dní tak na síti vzniklo 309 milionů RLUSD a nabídka přesáhla 851 milionů.
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Ripple minted $133.3 million in RLUSD on the XRP Ledger on August 3, according to data from the Ripple stablecoin tracker website.
The substantial mint on the XRP Ledger comes amid growing activity for RLUSD and rising demand for stablecoin liquidity. The minting introduces new liquidity to the XRPL ecosystem, where RLUSD has been broadening its role across payments, decentralized finance, and institutional use cases.
In the last seven days, $185 million in RLUSD has been minted on the XRP Ledger, bringing the total to $309 million in the last 30 days. RLUSD supply on the XRP Ledger has surpassed $850 million, currently at $851 million.
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Ripple introduced "Ripple Mint" last month, allowing institutions to mint and redeem RLUSD directly from the source, bridge the stablecoin across chains, and track funds across the full lifecycle of a transaction. Through the feature, they can also integrate RLUSD operations into internal systems or workflows.
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Expectations are building around the upcoming XRP Ledger Lending protocol, which will allow institutions and other projects to lend and borrow XRP or RLUSD and is regarded as a major unlock for on-chain liquidity.
RLUSD utility increasesIn a major development, XRP holders can now borrow RLUSD on Ethereum through Sentora, which manages a $280 million lending pool of Ripple's RLUSD stablecoin.
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According to a recent Flare announcement, XRP holders can now use its wrapped XRP (FXRP) as collateral to borrow Ripple's RLUSD stablecoin on Ethereum via a new isolated market on Morpho Blue.
Flare's wrapped XRP (FXRP) has been accepted as collateral by Sentora, which manages a $280 million lending pool of Ripple's RLUSD stablecoin. Borrowers post FXRP and take out RLUSD against it. The approval opens an isolated FXRP/RLUSD market on Morpho Blue, where holders can borrow against XRP exposure rather than sell it.
In a separate development, Ankr's public RPC infrastructure is now live on XRP Ledger, giving developers direct access to the network without running their own nodes.
Ripple říká, že institucionální kapitál už přechází na onchain a XRP Ledger je v plném produkčním nasazení. Aviva Investors na něm 29. července spustila tokenizovanou třídu podílových listů svého fondu v amerických dolarech, což je pro firmu první tokenizovaný investiční fond.
Ripple President Monica Long says the shift in institutional capital markets is no longer a question of timing. Speaking recently, Long argued that the industry has moved past the pilot phase and into full production deployments on the $XRP Ledger.
From Pilots to Production Long has been consistent in framing 2026 as a turning point. In a January outlook published on Ripple's website, she wrote that 5 to 10 percent of capital markets settlement is expected to move onchain, driven by regulatory momentum and the adoption of stablecoins by systemically important institutions. Over the last few years, leaders across the crypto industry have laid the technical and regulatory groundwork necessary for long-term adoption, and in 2026, that investment is set to pay off as trusted digital asset infrastructure and expanded utility spur institutional demand, leading more banks, corporates and providers to move from pilot phases into full-scale production.
Ripple has backed that view with concrete moves within the XRPL ecosystem, including supporting ZILO and Liquido to expand tokenized asset infrastructure. The goal, Long has said, is to provide the full stack of digital asset infrastructure, allowing institutional participants to take advantage of the entire lifecycle of a tokenized asset on the XRP Ledger.
Aviva Investors Brings a Live Product to XRPL The clearest signal of that shift came on July 29, when Aviva Investors, the global asset management arm of UK insurance giant Aviva plc, rolled out a tokenized share class for its US Dollar Liquidity Fund on the XRP Ledger, becoming the firm's first tokenized investment fund. The Central Bank of Ireland approved the structure, which the firms called a regulatory first for tokenized funds. All underlying assets are held by BNY Mellon. The fund targets low-risk returns and daily liquidity through exposure to high-grade US dollar-denominated short-term debt instruments. Komainu provided regulated institutional digital asset custody and Licuido supplied the tokenization infrastructure for the launch.
The blockchain-based share class offers the same investment strategy, risk profile, daily liquidity and investor protections as the conventional fund while enabling more efficient fund operations through tokenization. The rollout turns their February partnership into a live investment product. The initiative marks Aviva's first tokenization effort and Ripple's first deal with a Europe-based asset manager.
According to RWA.xyz, the XRP Ledger tracked roughly $4.37 billion in real-world assets on July 29, 2026, split between $313.3 million in distributed assets and $4.06 billion in represented assets. Ripple's ambition is to support the full lifecycle of tokenized assets on that infrastructure, from issuance through settlement and beyond.
Sources:
Ripple: Monica Long Crypto Predictions and Trends for 2026
Crypto Briefing: Aviva Investors debuts first tokenized fund on XRP Ledger
CoinDesk: Aviva Investors to tokenize funds on XRP Ledger in Ripple partnership
XRP se drží kolem 1,06–1,08 USD a je letos asi 43 % v minusu, zatímco jeho měsíční momentum je podle Cryptollica nejslabší za více než 13 let. Spotové XRP ETF ale za poslední týden přilákaly 14,86 milionu USD.
TLDR XRP trades near $1.06–$1.08, down about 43% for the year, with the 200-day EMA still sloping lower. Analyst Cryptollica says XRP’s monthly momentum is at its weakest level in more than 13 years. Weekly XRP ETF inflows hit $14.86 million, led by Bitwise and Franklin Templeton, according to BankXRP. July’s ETF inflows totaled $27.29 million, a fourth straight positive month but slower than earlier in 2026. The CLARITY Act remains stalled in the Senate, with recess expected around August 7–10. XRP is trading between $1.06 and $1.08 on August 4, 2026. The price is down about 43% so far this year.
The token has spent nine weeks moving between roughly $1.00 and $1.19. That range followed a sharp drop from $1.30 in June.
Crypto analyst Cryptollica posted on X that XRP’s monthly momentum has hit its weakest point in more than 13 years. The analyst said this oversold reading is deeper than corrections seen in 2014, 2018, 2020, and 2022.
Cryptollica pointed out that XRP is now testing a long-term support level that has drawn buyers in the past. Whether that support holds will show if the coin can recover or slide further.
XRP JUST BROKE A 13 YEAR RECORD
HAS NEVER BEEN THIS OVERSOLD. EVER
Not in 2014.
Not in 2018.
Not in 2020.
Not even during the 2022 collapse.
After 13 years of price history, monthly momentum has reached a new all time low while XRP tests its long term rising base.
This is not… pic.twitter.com/aEh9kbmlpc
— Cryptollica (@Cryptollica) August 3, 2026
ETF Inflows Show Mixed Signals Spot XRP ETFs pulled in $14.86 million over the past week, according to a post from BankXRP on X. Bitwise led with $10.15 million, bringing its total to $511 million.
Franklin Templeton added $4.70 million for the week, pushing its running total to $426 million. BankXRP said the inflows show institutions are still buying despite the price drop.
XRP spot ETFs recorded $14.86 million in net inflows last week.
Bitwise led with $10.15 million, bringing cumulative inflows to $511 million. Franklin Templeton's XRPZ followed with $4.70 million, total $426 million. pic.twitter.com/M2I0ekWv3O
— 𝗕𝗮𝗻𝗸XRP (@BankXRP) August 3, 2026
Looking at July as a whole, XRP ETFs took in $27.29 million. That marks four straight months of inflows, but it’s slower than April’s $81.59 million and May’s $131.94 million.
On July 31, XRP ETFs saw $7.69 million in net inflows. Bitwise brought in $7.12 million that day, while Franklin Templeton added $576,520.
By comparison, Bitcoin and Ethereum funds took in roughly $172 million and $365 million in July. XRP’s inflows look small next to those larger tokens even during a positive streak.
Technical Picture Stays Bearish On the daily chart, XRP’s RSI sits at 45.73, a neutral reading. The 4-hour RSI is near 52, also neutral rather than oversold.
XRP trades below its 50-period and 100-period moving averages on the 4-hour chart. Those averages sit near $1.079 and $1.101.
A close above $1.093 could open the door to $1.116 and $1.135 as next targets. The 200-day EMA sits near $1.397, about 31% above current price and still sloping down.
XRP Price on CoinGecko Ripple’s usual escrow release added supply pressure in August. Up to 1 billion XRP can unlock monthly, though Ripple typically returns about 700 million to new escrow contracts.
That leaves roughly 200 million to 300 million new XRP entering circulation each month. About 62.5 billion tokens are in public hands, with 32 billion still locked in escrow.
The CLARITY Act, which would shift XRP oversight from the SEC to the CFTC, remains off the Senate floor schedule. The Senate is expected to enter recess around August 7 to 10, leaving little time for a vote before then.
Intesa Sanpaolo prudce snížila expozici vůči Bitcoin ETF a zároveň více než ztrojnásobila podíl ve staked Ethereum fondu. Solana téměř zmizela, zatímco XRP zůstalo beze změny.
Intesa Sanpaolo, Italy’s largest banking group, has significantly changed the composition of its crypto exchange-traded fund (ETF) holdings, according to its latest mandatory disclosure to US regulators.
Sharp reduction in Bitcoin ETF exposureAccording to the Form 13F filed with the US Securities and Exchange Commission (SEC) on July 31, the bank’s common shareholding in the iShares Bitcoin Trust fund fell dramatically between March and June. The reported position decreased from 646,809 shares on March 31 to 40,723 by June 30, marking an approximate 94% reduction.
Intesa Sanpaolo also reduced its exposure through call options. The underlying share count tied to these positions fell steeply, from 2,496,500 to 18,000, which reflects a drop of over 99%. Additionally, the June filing introduced a new put option tied to 500,000 underlying shares, a position that did not appear in earlier disclosures.
Asset/PositionMarch 31 HoldingsJune 30 HoldingsChange (%)iShares Bitcoin Trust (Common Shares)646,80940,723-93.7%iShares Bitcoin Trust (Call Options)2,496,50018,000-99.3%iShares Bitcoin Trust (Put Options)0500,000New PositionThe Form 13F report, a quarterly filing required by institutional investment managers with at least $100 million in assets under management, only reveals positions held as of the end of the reporting period. It does not specify strike prices, expiry dates, or whether options were sold short, leaving the bank’s precise strategy and risk exposure open to interpretation.
Intesa Sanpaolo is Italy’s leading financial institution, with operations spanning commercial banking, asset management, and insurance in Europe and beyond.
Ethereum positions surge as Solana holdings all but disappearWhile reducing its Bitcoin ETF exposure, Intesa Sanpaolo increased its stake in the iShares Staked Ethereum Trust fund. The bank tripled its holding, from 116,200 shares on March 31 to 349,600 shares at the end of June.
Meanwhile, its investment in the Bitwise Solana Staking ETF was almost entirely eliminated, dropping from 2,817 shares to just seven between quarters. Holdings of the Grayscale XRP Trust ETF remained steady at 712,319 shares, showing little to no movement after accounting for possible trading activity that left the quarter-end balance unchanged.
ETFMarch 31 SharesJune 30 SharesChangeiShares Staked Ethereum Trust116,200349,600+201%Bitwise Solana Staking ETF2,8177-99.8%Grayscale XRP Trust ETF712,319712,3190% Intesa Sanpaolo reported a sharp reduction in both its Bitcoin ETF and call option positions, while increasing its staked Ethereum fund exposure more than threefold. The bank’s Solana holdings nearly vanished, with XRP balances remaining unaltered over the quarter.
Form 13F filings reveal only a snapshot at the end of each quarter, presenting limited insight into daily trading or rationale behind trades. The filings do not capture written or short option strategies and lack detail concerning strike prices or expiration dates.
Due to these disclosure gaps, outside observers cannot definitively calculate the bank’s net exposure to any crypto asset based only on publicly available records.
Nevertheless, the data show Intesa Sanpaolo’s declared crypto investments now favor staked Ethereum over Bitcoin, with dramatically reduced exposure to Solana and steady XRP holdings.
Mini dictionary: Form 13F, a quarterly report that US institutional investment managers managing at least $100 million in certain securities must file with the SEC, disclosing their equity holdings as of the quarter’s end.
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.
Společnost Mastercard dokončila akvizici fintech platformy BVNK, protože roste trh se stablecoiny, který má podle CoinMarketCap hodnotu přes 309 miliard dolarů. Firma chce přes BVNK propojit tradiční finance s on-chain ekonomikou.
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Payments giant Mastercard has officially completed its acquisition of fintech platform BVNK. The main reason behind the purchase is the growth of the stablecoin market, which is currently valued at more than $309 billion, according to CoinMarketCap.
The payments giant itself has made it clear that its main task now is not to create new digital currencies, but to connect existing financial rails with the on-chain economy. In this context, BVNK is the infrastructure working behind the scenes of payments across 130 countries, enabling businesses to convert, hold, move and store fiat and digital money.
The challenge is no longer creating new rails. It's connecting them.
Today, Mastercard completed its acquisition of BVNK.
Together, we're helping customers connect digital and traditional forms of money through trusted infrastructure built for scale.
Learn more:… pic.twitter.com/LSuinujdeR
— Mastercard (@Mastercard) August 3, 2026 Integrating BVNK's native technologies will allow Mastercard to significantly accelerate cross-border B2B payments, treasury flows and settlements for banks and fintech companies.
Mastercard Chief Product Officer Jorn Lambert noted that in a multicurrency world, fiat currencies, stablecoins and tokenized deposits must work together. According to him, the winner in the new payments paradigm will be the company that connects these different networks most efficiently.
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What do Ripple and XRP have to do with it?BVNK is often described as a long-standing Ripple partner, and the Mastercard deal does indeed intersect with the Ripple ecosystem. XRP is explicitly listed as a supported asset in BVNK's official technical documentation.
The platform natively processes incoming deposits and outgoing payments in XRP through its multichain system. The companies began working together in 2024, when Ripple was preparing to launch its institutional stablecoin, RLUSD.
At the time, executives at Standard Custody, the custodial company acquired by Ripple, publicly identified BVNK as a critical partner for the B2B2C segment. The logic is simple: Ripple creates an institutional B2B product, while BVNK helps deliver that liquidity to the end consumer.
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The companies are not officially bound by exclusive agreements, but they operate in the same corporate payments segment. Both are members of Mastercard's global Crypto Partner Program, where participants jointly develop future blockchain products.
The two companies are also involved in developing Mastercard's Multi-Token Network infrastructure. In addition, Ripple previously officially joined the payments giant's CBDC Partner Program.
Ripple has previously said that the growth of the stablecoin industry is "a rising tide that lifts all boats". In this expanding market, Mastercard has effectively secured its position as a central connecting hub through BVNK's technology.
XRP Ledger Foundation rozšířila veřejný přístup k uzlům XRPL díky partnerství s Ankr, který spustí globálně distribuovanou síť veřejných uzlů. Přichází to těsně před očekávanou aktualizací mainnetu xrpld v3.3.0, která má přijít příští týden.
The XRP Ledger Foundation (XLRP) has extended public node access to the XRP Ledger (XRPL) with a new partnership with Ankr. Under the deal, Ankr will provide a network of public nodes on XRPL across the globe. The release comes just days before the expected xrpld v3.3.0 mainnet upgrade.
A Look At XRP Ledger & Ankr’s Partnership The new infrastructure aims to facilitate the interaction between developers and users with XRP Ledger, while eliminating the need to run their own nodes and enhancing the network’s reach.
The XRP Ledger Foundation stated in a post on X “We’re expanding public infrastructure access to the XRP Ledger for developers and users with Ankr. Globally distributed XRPL nodes from New York to Singapore to give you the best connectivity.”
XRPL dUNL validator Vet also commented on the rollout. He wrote, “Adding more public XRP Ledger infrastructure for developers and users, without having them run their own nodes.” He mentioned that Ankr has launched a node RPC network with nodes distributed all over the world and a monitoring website for the XRPL network. “Full history access will be available at a later time,” he said.
The interface in the newly launched portal offers XRP Ledger mainnet and testnet free JSON-RPC endpoints. In addition, there is a real-time overview view of network health, block height, median latency, global reach, request volume and average requests per second.
There is a Quickstart section to give developers ready-to-use examples in cURL and JavaScript. In addition, it features a panel that lists all active nodes in Singapore, New York, Amsterdam and San Francisco, with traffic automatically rerouted to the most appropriate node.
Adding more public $XRP Ledger infrastructure for developers and users, without having them run their own nodes.@ankr has setup a globally distributed XRPL node RPC infra for this purpose and a website for monitoring and data – https://t.co/ZTySuoekEg
Full history access will… https://t.co/eBtf1FTvqg pic.twitter.com/yOY9NPxmkX
— Vet (@Vet_X0) August 3, 2026
It marks a notable feat for the XRPL network after the fixCleanup3_2_0 amendment went live last week with 85.71% consensus support.
About The Upcoming Version 3.3.0 Upgrade Amid the node infrastructure rollout, RippleX Head of Product Jazzi Cooper will be readying the xrpld v3.3.0 release set for next week, contingent on validator approval. Announcing five proposed amendments, Cooper said, “XRPL has already proven it can support tokenized assets at scale. Now it’s time to put these assets to use: global transfers, trading, collateralizing, and settling.” She added that the release “includes five amendments that move XRPL significantly closer to that goal.”
The proposed amendments on XRP Ledger include the introduction of Confidential MPT, which introduces privacy to the Multi-Purpose Tokens with the application of zero-knowledge proofs. Batch will support atomic settlement and delivery versus payment workflows. Permission Delegation will enable institutions to delegate limited transaction permissions without relinquishing their signing power.
Meanwhile, Sponsored Fees and Reserves will allow banks, issuers and platforms to pay for the transaction fee and account reserves for their users. Dynamic MPT will enable issuers to change certain properties of the selected tokens after issuance. However, Cooper reminded that “these amendments will only activate following validator approval” on XRP Ledger.
In brief Flare's FXRP is now accepted as collateral in Sentora's RLUSD vault on Morpho. XRP holders can borrow Ripple's RLUSD stablecoin on Ethereum without selling their XRP. The integration is the first time an XRP-based asset has been approved as collateral in an institutionally curated Ethereum lending vault. XRP holders can now borrow Ripple's RLUSD stablecoin against their holdings on Ethereum without selling their tokens after Flare's FXRP was approved as collateral in Sentora's RLUSD Main vault.
Announced on Monday by layer 1 blockchain developer Flare, the integration lets users convert XRP into Flare's FXRP token, bridge it to Ethereum, deposit it as collateral on the Morpho lending protocol, and borrow RLUSD. Because the loan is backed by collateral rather than a sale, borrowers retain exposure to XRP's price while accessing dollar-pegged liquidity.
“XRP is one of the largest assets in crypto and one of the least used in DeFi. That gap came down to infrastructure,” co-founder and CEO of Flare, Hugo Philion, said in a statement. “XRP is now collateral that an institutional risk team underwrites on Ethereum mainnet, which is a stronger form of recognition than another bridge listing.”
The model is similar to Wrapped Bitcoin (WBTC), which lets Bitcoin holders use their BTC in Ethereum-based decentralized finance without selling it. FXRP is designed to do the same for XRP, giving holders access to Ethereum lending markets.
The lending market runs on Morpho Blue, which uses isolated lending markets designed to contain risk if problems arise with a specific asset. Sentora said it reviewed FXRP's market behavior, oracle design, liquidity, and liquidation mechanics before approving it as collateral.
The launch builds on Ripple's effort to establish RLUSD as an enterprise-focused stablecoin. In August 2024, Ripple began testing RLUSD on Ethereum and the XRP Ledger for cross-border payments. In December 2024, the company received approval from the New York Department of Financial Services ahead of the stablecoin's launch. Last month, Mastercard said it will support settlement of regulated stablecoins including RLUSD, Circle's USDC, and SoFi's SoFiUSD.
“[Sentora] just took a major step to make XRP useful onchain,” Co-Founder, CTO-CPO of Sentora, Jesus Rodriguez wrote on X. “XRP is one of crypto’s largest and most liquid assets. Yet it remains surprisingly underused in onchain credit. That changes today.”
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Ripple oznámil dvě strategické investice do Zilo a Lucuido, aby přesunul regulovanou emisi fondů, vypořádání a pohyb kolaterálu na XRP Ledger.
Firma nezveřejnila výši investic.
The company has made two new strategic investments, aiming to bring regulated fund issuance, settlement, and collateral mobility onto the XRP Ledger.
Ripple has expanded its digital capital markets strategy. The company announced today investments in Zilo and Lucuido – two firms that are focused on developing infrastructure for tokenized funds and institutional asset trading.
The move builds on existing partnerships with both firms. Ripple did not disclose the size of either investment.
Speaking on the matter was Nigel Khakoo, SVP, Trading and Markets at Ripple, who said:
“… ZILO and Licuido provide core capabilities that are essential to further scaling this shift: regulated digital transfer agency infrastructure and liquidity for issuance and collateral mobility. This is just the beginning of the journey, and we see a substantial opportunity to bring huge efficiencies to the investment sector over the next decade.”
ZILO provides transfer agency and fund administration technology. Its systems give asset managers and custodians regulated digital records for tokenized share classes. Licuido, on the other hand, operates an FCA-regulated platform that supports the issuance, distribution, trading, and use of traditional assets as digital collateral.
Ripple plans to integrate these capabilities with its infrastructure on the XRP Ledger. The company wants institutions to issue tokenized assets, hold them in custody, move them between investors, and use them as collateral without relying on legacy systems.
Naturally, RLUSD will serve as the regulated cash component for delivery-versus-payment transactions. This structure is designed to allow the asset and payment sides of a trade to settle together on XRPL.
The investments also support Ripple’s recent push to build a broader institutional platform around tokenization, payments, stablecoins, and trading. Last month, the firm launched Ripple Mint and made an investment in compliance provider Notabene. This strengthens the infrastructure that’s available to institutions using RLUSD.
You may also like: July’s Biggest Ripple (XRP) Stories: RLUSD Expansion, AI, and Institutional Adoption Ripple (XRP) News and Price Update: July 27 Do People Interested in XRP Actually Care About Ripple? It’s also noteworthy that the company has worked with Aviva Investors, Franklin Templeton, and DBS on tokenized fund and collateral projects. Ripple said that ZILO and Licuido will help turn those individual partnerships into infrastructure that asset managers can use at scale.
XRP ETF vedly týdenní přílivy s čistým přílivem 15 milionů USD, zatímco Bitcoin fondy měly odliv 0,6 milionu USD a Solana fondy 17 milionů USD. XRP spot ETF od spuštění nasbíraly zhruba 775,5 milionu USD.
XRP-focused exchange-traded funds (ETFs) posted the highest net inflows among digital asset investment products last week, drawing $15 million while Bitcoin and Solana-related funds faced outflows. Data provided by market analyst CarpeNoctom indicates a shift in investor behavior, with capital increasingly concentrated in select assets rather than spread uniformly across the crypto market.
XRP ETFs surpass Bitcoin and Solana productsWhile XRP ETFs brought in $15 million in net inflows, Bitcoin ETFs recorded outflows of $0.6 million, and Solana funds experienced an even steeper drop with $17 million in outflows. Ethereum ETFs, on the other hand, maintained a minor positive trend, with $0.4 million in weekly net inflows.
This divergence highlights a more selective investor approach, as net inflows were not evenly distributed. In direct comparison, Solana has seen significant ecosystem growth and increased developer activity, yet its investment products faced the largest weekly decline among the major assets tracked.
XRP’s outperformance in the ETF segment reflects growing interest from institutional investors, aided by expanded access to regulated investment vehicles in several jurisdictions. Enthusiasm surrounding Ripple’s ongoing efforts to develop its ecosystem has also been credited with bolstering investor sentiment for XRP products.
XRP spot ETFs have now accumulated approximately $775.5 million in total net inflows since launch, demonstrating persistent institutional and retail support despite broader market shifts.
Strong momentum and accumulation trendsThe strongest inflows were recorded on July 31, when XRP spot ETFs saw $7.11 million in net new capital. This surge followed a $5.57 million inflow on July 30, which means nearly $12.7 million entered XRP ETFs during just two consecutive trading days. These concentrated inflows suggest that institutional interest intensified at the end of the week, rather than accumulating steadily over time.
There were no instances of notable outflows during the week. Instead, XRP ETFs only saw either net additions or a neutral stance, signaling consistent investor commitment. Prior to the final two days, inflows remained positive but more measured—such as $547,000 on July 29 and $533,000 on July 27. Gains of $5.09 million on July 21 and $2.27 million on July 20 underscore an accumulation trend rather than a pattern driven by short-lived speculative trading.
Selective investment focus and innovative accessThese shifts illustrate how demand is becoming more targeted within the crypto investment sphere. Products tied to major coins may no longer respond in unison to broad market sentiment, and investors are making more strategic choices based on perceived fundamentals and ecosystem growth.
Given the importance of closely tracking both asset flows and access points, platforms like 1stepSwap have started to play a larger role. By enabling the direct transfer of real-world assets, such as shares of major U.S. companies and precious metals like gold and silver, onto the blockchain, 1stepSwap offers investors direct exposure through their wallets without requiring intermediaries or complex steps. Its standout feature includes real-time price discovery across markets, making it possible to buy or sell leading stocks within seconds while securing the most competitive rates and broadening portfolio diversification.
If the influx into XRP ETFs remains on this trajectory, their dominance within the expanding digital asset investment landscape could further solidify in the coming weeks.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Zakladatel Xaman Wietse Wind varoval komunitu před podvodným tokenem XMN, který byl falešně spojován s projektem Xaman. Xaman žádný token nemá a ani ho neplánuje.
Wietse Wind, founder and developer of the Xaman wallet, has issued an urgent alert to the XRP community after scammers used a verified X (formerly Twitter) account to promote an alleged “XMN” token falsely linked to the Xaman project.
The fraudulent post appeared from the official X account of Arlington ISD, suggesting attackers managed to compromise and take control of this verified account. The scammers adopted Xaman’s official branding and announced that a token claim process for XMN was live on the XRPL network, directing users to an “allocation checker” site.
By leveraging a high-profile, verified social media account, the scammers increased the apparent legitimacy of their claims. Such tactics, which rely on capturing trust through recognizable brands or verification marks, are increasingly common in phishing attacks targeting cryptocurrency users.
Wietse Wind responded quickly, making it clear that Xaman has no token now or planned for the future, and categorically called the campaign a scam targeting unsuspecting users.
There is no Xaman token. There will not be a Xaman token. These are scams, and users should remain vigilant against such attempts at deception.
Wind and the Xaman team reiterated their commitment to monitoring for impersonation and scam accounts, while encouraging the community to report suspicious activity.
Escalation of fraud in the XRP ecosystemAttempts to impersonate the Xaman wallet or launch fake tokens have persisted throughout 2026, with increasingly aggressive tactics appearing across the XRP ecosystem. Earlier this year, South Korean authorities arrested a group accused of stealing 3.4 million XRP (about $8.55 million) from 71 individuals by exploiting trust in the community through similar schemes.
Ripple‘s former CTO, David Schwartz, also highlighted the growing sophistication of coordinated phishing efforts, with malicious actors launching fake airdrops, running giveaway schemes, and adopting the branding of established teams to lure victims and drain their assets.
Such attacks generally seek to create a sense of urgency or legitimacy, pushing users to act quickly and hand over sensitive access or sign transactions they do not fully understand.
Scammers consistently manufacture urgency, borrow legitimate branding, and pressure users to act before verifying the authenticity of claims.
Wietse Wind has remained consistent in his advice to the community. He urges users not to sign transactions unless they are certain of a source’s legitimacy, to avoid engaging with any social media posts or accounts offering free tokens, airdrops, or promising early access to products or features that have not been confirmed by official channels.
He emphasized that Xaman does not have a desktop wallet, browser extension, or proprietary token. Any communication suggesting otherwise should be treated as fraudulent. Users are strongly advised to double-check announcements directly from official sites and social channels before taking any action.
Reporting suspicious accounts or domains remains a crucial step in countering these scams. Wind and other prominent figures in the space continue to stress that a proactive, cautious approach offers the best protection amid a rise in social engineering and phishing attempts.
Amid increased scam activity, platforms that facilitate easier and safer access to digital assets also attract attention. For instance, 1stepSwap stands out as a user-friendly platform bridging traditional finance and crypto by directly tokenizing real-world assets such as US equities and commodities like gold and silver onto the blockchain. Its market scanning algorithms ensure that trades are executed at the most competitive price instantly, enabling users to diversify their portfolios while maintaining direct wallet custody, without intermediaries.
The risk of scams grows alongside greater integration between traditional assets and blockchain solutions, highlighting the importance of vigilance, verification, and reliance on trusted sources in the digital asset space.
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.
