XRP climbed back above the $1.13 level after a sharp reduction in token deposits from large holders, known as whales, to Binance. Data from on-chain analytics provider CryptoQuant pointed to a significant slowdown in major XRP transfers to the leading exchange, coinciding with the token’s latest price recovery.
Sharp drop in whale transaction volumesCryptoQuant reported that daily XRP whale deposits to Binance decreased to 25.3 million tokens, valued at approximately $23 million. This marks a steep decline from previous levels, which reached 583 million XRP, or around $1.36 billion based on prevailing prices. The change suggests whales are less actively preparing their XRP for immediate trading or potential sales on the platform.
The 90-day average for whale inflow value also fell, dropping from nearly $460 million earlier in the year to $69 million more recently. This trend indicates a marked reduction in large transfers and a decline in the supply of XRP available for trading on Binance.
While inflows to exchanges typically rise when significant holders plan to sell or trade substantial amounts, a decrease does not necessarily prove that large-scale selling has ended across the market. Instead, it reflects a period of less activity from major XRP holders engaged with Binance.
Recent CryptoQuant data highlights that daily XRP whale inflows to Binance plummeted from 583 million tokens to just 25.3 million, indicating a major reduction in exchange-bound volume during the token’s price rebound.
Thirty-day inflows reach lowest point in two monthsAccording to research from Arab Chain, Binance’s 30-day cumulative whale inflows fell to approximately 947.4 million XRP, marking the lowest total in the past two months. This comes after a previous peak of 1.445 billion tokens at the end of June, representing a decrease of 34.4% within one month.
Such a reduction suggests that XRP whales not only limit their exchange transfers but may also prefer to hold tokens in private wallets or transact through other platforms. Analysts at Arab Chain noted that sustained drops in whale deposits might point to a more cautious approach to trading or diminished intentions to sell at scale.
However, Arab Chain emphasized that relying on a single metric can be misleading and urged balanced analysis using additional indicators, such as price trends, trading volume, derivatives, and broader exchange flows.
PeriodWhale Inflows to BinancePrevious Peak/ChangeDaily25.3 million XRP583 million XRP (recent peak)30-day947.4 million XRP1.445 billion XRP (late June, -34.4%)90-day avg. (value)$69 million$460 million (earlier in 2024)Mini dictionary: Arab Chain is a digital asset analytics firm that tracks and interprets on-chain activity across major blockchains, offering insight into whale movements, trading patterns, and network health.
Impact on market supply and priceWith fewer large deposits arriving at Binance, XRP’s exchange supply from major holders has diminished. This tightening of immediately available tokens can affect market liquidity and help stabilize the price when overall demand recovers.
During this period, XRP’s market price reclaimed $1.13, moving back into positive territory. Some analysts cite the reduction in whale inflows as a contributor to this momentum, noting that limited exchange supply might slow down further sell pressure.
Despite the decline in large-block deposits, smaller transactions and pre-existing exchange balances can still impact available supply and price dynamics in liquid markets. XRP whales currently represent one important part of the token’s overall liquidity structure, but not the only one.
XRP has maintained a level above $1.13 as exchange supply from major holders continues to shrink, reflecting a significant slowdown in whale deposits to Binance.
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’s 4% rally on Tuesday brought the token back into focus for technical traders, but the move did little to resolve a larger structural question hanging over the chart. The token briefly tested short-term resistance levels yet remains stuck below a heavy supply zone that has capped upside for weeks. The price action underscores a high-stakes battle between bulls attempting to confirm a multi-week triangle breakout and sellers defending a critical $1.24–$1.28 price band, as detailed in the original report.
The chart pattern in question is a descending triangle that has compressed XRP’s price into a narrower range since mid-June. A decisive break above the upper trendline would typically signal a bullish reversal with measured move targets in the $1.35 area. But such textbook setups often fail when confronted with on-chart supply zones where previous sellers aggressively entered the market. The $1.24–$1.28 region represents one of those zones—an area where XRP previously topped out before succumbing to distribution.
The Triangle That Refuses to Confirm For traders who track geometric patterns, the descending triangle forming on the four-hour and daily timeframes is hard to ignore. Lower highs have been pressing against a horizontal support floor near $1.10, building energy for a potential expansion. Tuesday’s 4% push pierced the upper boundary intraday, but the daily close lacked conviction. Without a full-bodied candle above the $1.24 level, the breakout remains unconfirmed. Many algorithmic and momentum-driven strategies will likely wait for a second consecutive close above the zone before reallocating capital.
Volume profiles also paint a cautious picture. Spot buying has been steady but not explosive, suggesting that the move is driven more by short-term speculators than by long-duration accumulation. This leaves the triangle breakout susceptible to a false move—a whipsaw that could trap late longs before a correction back into the $1.10–$1.15 range. The pattern’s credibility hinges entirely on how price behaves if and when it reaches the supply zone again.
The $1.24–$1.28 Supply Zone: A Make-or-Break Level Supply zones are not just abstract resistance lines; they represent real liquidity where institutional traders, market makers, and swing traders placed prior sell orders. XRP’s current supply cluster formed after a sharp rejection in early July, when the token failed to hold above $1.25 for more than a few hours. Each subsequent rally toward the zone has met with selling pressure, reinforcing its significance. A clean breach above $1.28 on strong volume would flip that level into support and likely trigger a rapid push toward $1.35—an area that aligns with the triangle’s measured move and previous price pivots from May.
However, the path is not straightforward. The 50-day moving average sits near $1.23 and has acted as dynamic resistance for the past two weeks. Traders looking for confirmation will want to see XRP clear both the moving average and the $1.28 ceiling in a single swing. Failure to do so could extend the consolidation phase and shift downside risks toward the $1.05 support, where the bottom of the triangle converges. That would put the bulls on the defensive and delay any meaningful recovery narrative.
Regulatory Clouds and External Noise XRP’s technical setup is unfolding against a backdrop of unresolved regulatory tension. While the 2023 federal court ruling that XRP is not a security in secondary market sales provided legal clarity, the SEC’s appeal process continues to inject uncertainty into institutional adoption decisions. Market participants are also watching broader legislative developments; a major crypto bill is currently facing last-minute resistance from the banking lobby just days before a Senate vote, as covered in recent reporting. Any bill that establishes a clear federal framework for digital assets could directly influence XRP’s classification, cross-border payment utility, and exchange listings—factors that feed into long-term valuation models.
Altcoin momentum has been uneven this week, but pockets of strength have emerged. Several tokens with low-cap profiles registered double-digit gains, as highlighted in this week’s top gainers list. XRP’s 4% move, while modest by comparison, stands out because it comes from a high-market-cap asset with tighter liquidity and a more mature holder base. Meanwhile, blockchain developer activity metrics, a measure of ecosystem health, show that established chains are still dominating, according to the latest developer activity report. XRP Ledger’s developer count has remained relatively stable, but a lack of explosive on-chain growth could limit upside catalysts beyond pure price speculation.
What to Watch Next The immediate story is simple: XRP must reclaim $1.28 and hold it. The triangle breakout narrative will either validate itself or dissolve into another failed pattern, and the next few daily closes will be decisive. Traders who entered early in the rally might take partial profits near the supply zone, adding to the selling pressure that has historically defined this region. Outside the chart, any unexpected ruling or SEC filing could override the technical setup entirely, reminding market participants that XRP’s price path rarely follows pure chart logic.
For now, the $1.24–$1.28 band remains the line in the sand. A convincing breach would attract momentum chasers and force short-sellers to cover, potentially accelerating a move toward $1.35. A rejection, on the other hand, would likely see the token revisit the lower end of the triangle near $1.05, giving bears a fresh opportunity to test resolve. The market is watching.
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Freelance writer and crypto enthusiast with a focus on Web3, delivering clear and engaging articles. Known for his well-researched articles and insightful analysis, Shayan covers a broad range of topics including market trends, blockchain technology, decentralized finance (DeFi), and emerging crypto projects. His writing aims to educate both beginners and experts, providing clear, engaging content that helps readers stay informed about the fast-evolving crypto space. Shayan's expertise and dedication make him a trusted voice in the blockchain community.
Washington has been arguing about who gets to regulate crypto for years. By July 23, XRP holders may finally get an answer, at least on paper.
The CLARITY Act, which would formally define which digital assets fall under the SEC’s jurisdiction and which belong to the CFTC, is approaching what traders and lobbyists are treating as a soft deadline. Senate leadership has signaled a late-July target for floor action, and markets are pricing in a real probability of passage.
What the CLARITY Act actually does The CLARITY Act tries to write the rule book. It would establish a framework for classifying digital assets, draw a cleaner line between SEC and CFTC oversight, and give projects a pathway to shift from securities status to commodity status once a network becomes sufficiently decentralized.
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The bill cleared the House and advanced through the Senate Banking Committee as of May 14, 2026. Passage requires 60 votes, which means the bill needs bipartisan support to survive a filibuster. Two sticking points are holding things up: provisions around ethics disclosures for public officials holding digital assets, and language related to illicit finance and anti-money laundering obligations.
Why XRP specifically is watching this so closely The SEC sued Ripple Labs in late 2020, alleging that XRP was an unregistered security. A federal judge ruled in 2023 that XRP sold on public exchanges did not constitute securities transactions. The CLARITY Act, if passed, could effectively close that file by reclassifying XRP as a digital commodity under CFTC oversight.
Commodity-classified assets face a different, and generally less burdensome, regulatory regime than securities. Exchanges can list them without the same disclosure infrastructure. Fund managers can build ETF products around them more easily. XRP-linked ETF applications are already in motion at the SEC.
What investors should watch between now and the deadline The July 23 window isn’t a formal legislative deadline. What it reflects is the Senate’s stated intent to address the crypto market structure bill before the August recess. Missing the window doesn’t kill the bill, but it extends the uncertainty. August recess means September at the earliest for floor action, and fall legislative calendars fill up fast with budget fights and appropriations deadlines.
The 2023 court ruling sent XRP up significantly in a single session. A Senate vote, whether yes or no, will likely produce a similar response.
The CLARITY Act isn’t XRP-specific legislation. A successful passage would establish a framework that applies across hundreds of digital assets. Ethereum, Solana, and a long list of layer-2 and DeFi tokens all sit in the same jurisdictional gray zone that the bill is trying to resolve.
Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.
While the leading cryptocurrency Bitcoin has climbed above $66,000 with the upward momentum it has gained in recent days, the picture also looks positive for altcoins.
However, Santiment warns against the rise in the short term for BTC and some major altcoins.
In this context, the cryptocurrency analysis platform Santiment examined MVRV ratios. As recovery signals for BTC and altcoins strengthen, the 30-day MVRV ratio of the cryptocurrencies with the highest market capitalization has risen back above the neutral level.
According to Santiment, major cryptocurrencies, including Bitcoin (BTC), Ethereum, and XRP, have entered profit-taking territory in the last 30 days. This indicates that investors who bought BTC, ETH, XRP, Cardano (ADA), and Chainlink (LINK) in the last 30 days have made a slight profit rather than incurring losses.
Santiment analysts believe that the recovery is driven by lower-than-expected inflation data, increased risk appetite in global markets, and renewed demand for spot Bitcoin ETFs.
While the MVRV ratio entering positive territory is considered a positive development, Santiment warned that this could trigger increased selling pressure in the short term due to profit-taking. This means that even if prices continue to rise, selling pressure could intensify.
According to Santiment, positive MVRV data supports the idea that the recovery is progressing healthily, but if the upward momentum weakens, short-term investors may want to realize their profits, increasing price volatility.
“…Positive MVRVs tell us that the recovery is real, while also reminding bulls that short-term gains could lead to faster sell-offs if momentum starts to cool.”
*This is not investment advice.
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NVIDIA: Major Clients Have Begun Testing Vera Rubin Devices
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Pump.fun launches BOOST mode, aiming to re-inject permanently locked liquidity into the token market.
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Telegram Founder: Will Integrate a Native Non-Custodial Gram Wallet for All Users
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GRAM surges past $1.5, gaining over 9% in 10 minutes.
According to HTX market data, GRAM has broken through $1.5, currently trading at $1.555, up over 9% in 10 minutes. Earlier reports stated that Telegram’s founder said the team is building native non-custodial Gram wallets into every Telegram application.
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.
TL;DR
Bitcoin's quantum discount hit a record 30% as Core developers resist freezing dormant addresses and Galaxy Digital launches a $5 million Quantum Readiness programXRP's 30-day MVRV turned positive, but the token still faces resistance at $1.146 and a bigger trend barrier at $1.416A new whale moved $2.76 million in SHIB off Coinbase to a fresh wallet, the second major withdrawal this week as the token consolidates near multi-month lowsBitcoin ETFs posted $727 million in net inflows over five days even as Bitcoin Knots developers and Michael Saylor clash over the BIP-110 proposalThursday's US jobless claims data is the next volatility catalyst ahead of the Federal Reserve's meeting later this month30% for fear: Why Bitcoin is trading at a quantum discountBitcoin's quantum discount has reached 30% for the first time in history, according to fresh data from the Capriole Investments model. With the current market price at $65,472, investors are pricing in an unprecedented risk discount: fundamentally, the asset is valued at almost twice as much, but uncertainty surrounding Q-Day continues to drag the price lower.
The discount continues to deepen, as it stood at 28% at the beginning of the summer.
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Capriole founder Charles Edwards added fuelby publicly taking aim at Bitcoin Core developers and directly asking whether they planned to do anything about the issue.
Bitcoin price chart to USD with discount factor, Source: Charles Edwards via XThe technical deadlock is that Google Quantum AI confirmed this spring that algorithms capable of breaking the secp256k1 curve, which underpins Bitcoin's security, are accelerating. To implement post-quantum protection, Core developers would have to forcibly freeze old "dormant" addresses, including Satoshi Nakamoto's one million coins — a step they are not prepared to take.
While Grayscale considers the panic premature, Citi analysts are warning about a "harvest now, decrypt later" strategy: hackers are already copying mempool traffic in order to crack it retroactively. Against the backdrop of Ethereum's migration to new signature schemes, Core's technological hesitation is costing the market exactly 30% in unrealized value.
While developers delay, businesses are taking the initiative. Galaxy Digital has launched a $5 million Quantum Readiness program to fund grants aimed at protecting the network from Shor's algorithm. Market momentum is building: Coinbase advisers are demanding an immediate code migration, while Project Eleven analysts predict that machines capable of threatening modern cryptography could emerge as early as 2030–2033.
XRP exits the "fear zone": Traders are profitable again, but the chart remains tenseInvestors who accumulated XRP over the past month have finally moved out of the red. According to Santiment analysts, the 30-day MVRV indicator for XRP and other major altcoins, including ETH, ADA and LINK, has crossed above zero, meaning that short-term wallets are now showing a small profit.
The turning point came after Bitcoin's comeback to $65,000. The market was supported by softer US inflation data and fresh inflows into crypto ETFs, which noticeably revived buyers, while the "Fear Buy Zone" of relatively safe bottom buying was left behind.
The rebound is real, but since traders are no longer sitting on losses, they now have a natural incentive to take profits. Any sign of the market cooling could trigger a rapid wave of selling.
Top cap 30-day MVRV comparison, Source: Santiment and SanbaseOn the daily chart, XRP is currently trading near $1.1331, up around 3.5% since the beginning of the week. The price found local support slightly above the psychological $1.00 level and is attempting to develop a full-fledged rebound.
Meanwhile, the Relative Strength Index has settled in neutral territory at 55, confirming that panic selling has stopped and buyers have gained some room to maneuver.
However, it is still too early to celebrate a global reversal, as the asset has now run into resistance at the short-term moving average near $1.1459. The main challenge for bulls remains the heavy long-term trend level around $1.4159.
Only a decisive breakout above this level would prove that XRP has finally broken the downtrend and is ready for significant growth.
Why are new whales vacuuming up SHIB at the local bottom?While retail traders are bored by the summer flat market, major players are quietly vacuuming up supply. According to Arkham Intelligence, Coinbase Prime has recorded a series of large Shiba Inu withdrawals to newly created wallets with no previous transaction history.
The main event was the transfer of 645.928 billion SHIB, worth around $2.76 million, to the address "0xd017dBe7C45".
This is already the second major purchase in a week. Just yesterday, another unknown whale withdrew 162.43 billion SHIB, worth approximately $672,000, from the same platform.
Why are they doing this? Moving tokens to private wallets removes them from exchange order books and reduces the available supply.
History of transactions of '0xd017dBe7C45' with Shiba Inu (SHIB) coin, Source: Arkham IntelligenceThe SHIB chart clearly shows that large capital is carefully buying the local bottom. After a prolonged decline from the May highs, the price found firm support in the $0.00000412–$0.00000423 range, where a bullish RSI signal formed.
The asset is currently trapped in a narrow corridor and trading at $0.00000428. However, the moving average at $0.00000450 is limiting the price from above, while the global downtrend, shown by the red line, remains much higher at around $0.00000594.
Major players are clearly using this prolonged consolidation and reset RSI to accumulate without drawing attention before a potential breakout from Shiba Inu's multi-month decline.
Crypto market outlook: Bitcoin ETFs stage a $727 million comeback while Saylor fights for codeThe crypto market appears to have found a local bottom. Spot Bitcoin ETFs snapped a steep outflow streak, pulling in around $727 million in net inflows over the past five days.
Institutional investors are adding fresh capital while a dispute over the BIP-110 upgrade splits Bitcoin's developer community. Bitcoin itself is holding in the $65,700–$67,200 range after US funds absorbed $227 million on July 20 alone.
Total Bitcoin Spot ETF Net Inflow over the last 30 days, Source: SoSoValueKey checkpoints:
ETFs are back in the game: After a prolonged period of capital outflows, Bitcoin funds delivered a five-day inflow streak of $727 million, their best result in almost three months. Ether ETFs added another $38 million on the same day, pointing to fading seller pressure.Bitcoin is holding its ground: The leading cryptocurrency is locked in a narrow range between $65,700 and $67,200. A breakout above resistance would open the way toward local highs, while a drop below support would put the market under pressure.BIP-110 splits developers: Bitcoin Knots developers, whose software runs around 23% of nodes, want to limit OP_RETURN to 83 bytes to cut spam transactions, NFT inscriptions and shitcoins off the network. Michael Saylor has publicly opposed the upgrade, calling it censorship and "monetary purity imposed from above." Opponents counter that market fees, not code restrictions, should regulate network use.Macroeconomic trigger: The main volatility catalyst this week arrives Thursday, July 23, when the US releases initial jobless claims data. The reading will shape rate expectations ahead of the Federal Reserve's meeting later this month. You Might Also Like
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An unnamed whale has been steadily adding to its WBTC and ETH positions this month, now sitting on over $12 million in unrealized gains.
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In the US, spot ETFs have been launched for many altcoins, following Bitcoin and Ethereum.
These altcoins include XRP, Solana, and HYPE, while an ETF application has also been filed for a very surprising altcoin.
In this context, crypto asset management company Grayscale has filed an application with the SEC to launch the first Worldcoin ETF in the US.
If the application is approved, the fund will be the first ETF to offer direct investment in WLD on US markets.
According to the S-1 filing submitted to the SEC, the Grayscale Worldcoin ETF will hold WLD directly. If approved, the fund is planned to be listed on the Nasdaq Exchange under the ticker symbol “GWLD”.
Thus, investors will be able to gain exposure to Worldcoin through a regulated investment product without having to directly buy or hold the WLD token.
The application states that the fund will follow a passive investment strategy, not using derivatives or leverage, and that custody services will be provided by BitGo Bank & Trust.
The announcement of an ETF application for WLD has stirred the market and its price. Following the news, the WLD price rose by approximately 4-5% during the day, and investors began closely monitoring the approval process.
Experts say that a potential approval could accelerate Worldcoin’s adoption by institutional investors.
With this application, the total number of cryptocurrency ETFs managed by Grayscale has risen to 18. Previously, they had ETFs for assets such as Bitcoin (BTC), XRP, Solana (SOL), Ethereum (ETH), Dogecoin (DOGE), and Chainlink (LINK).
*This is not investment advice.
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Leading cryptocurrency analyst Ali Martinez anticipated on Monday a “decisive breakout” for XRP (CRYPTO: XRP) if the token successfully surpasses a key resistance level.
Where Is XRP Headed?Martinez posted an animated video showing XRP’s consolidation inside a symmetrical triangle on the hourly timeframe
XRP has been consolidating around the $1.09–$1.11 range throughout July. The video suggested that a breach of $1.13 could open the door for a potential rally toward $1.30.
“A decisive breakout above it could confirm the bullish breakout and open the door for further upside,” Matinez added.
Notably, Martinez flagged a “Buy” signal for XRP last week, around $1.109. Since then, the token is up 3.3%.
The Signals That MatterThe Moving Average Convergence Divergence indicator, which compares two exponential moving averages of an asset’s price, also flashed a "Buy" reading for XRP, according to TradingView.
The Bull Bear Power indicator, which measures the strength of buyers and sellers, remained “Neutral,” and so did the Relative Strength Index, which hovered just above 50.
Meanwhile, open interest in XRP futures has risen by over 6% in a week, according to Coinglass, indicating high speculative interest. This, complemented by a 5.58% increase in spot price over the same period, validated the bullish trend.
Smart money sentiment, which refers to the collective outlook and capital allocation of institutional investors, turned “bullish.”
Price Action: At the time of writing, XRP was exchanging hands at $1.13, up 3.72% in the last 24 hours, according to data from Benzinga Pro.
Photo Courtesy: Mehaniq on Shutterstock.com
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Vet argues that reserve requirements serve as an important defense against spam attacks and excessive network resource usage.
An XRPL validator has said that he will not vote for another reduction in its account reserves, sparking a community debate over whether lower costs would help adoption or weaken network protections.
The dispute has split community members between those who see lower reserves as necessary for easier onboarding and those who argue that it could strip out a security buffer that the network still needs.
XRPL Reserve Debate Revisits Network Costs and Spam Protection In a July 20 post on X, Hussein Zangana, the XRP Ledger Foundation’s director of community, told his nearly 57,000 followers that the network’s account reserves have already fallen significantly since the network launched.
In 2012, activating an account required 1,000 XRP in base reserves, with Jed McCaleb later reducing the requirement to 200 XRP. From there, reserves came down gradually through validator votes rather than formal amendments, landing at today’s figures: a 1 XRP base reserve to activate an account, plus a 0.2 XRP owner reserve for each token held, including RLUSD or USDC, or for each of up to 32 NFTs.
He said that he’d backed earlier reductions himself, and at the time, the cuts had made sense given XRP’s rising price and XRPL’s beefier server capacity. However, as things stand, he’s drawing a different line.
“We have to be very careful in arbitrarily lowering reserves,” Vet wrote. “There’s a clear reason for its existence and security comes first. The debate should start there.”
According to him, reserves were designed to protect network resources, including storage and memory, by making it more expensive to create a large number of accounts that could be used for spam or DDoS attacks.
The dUNL validator added that he would only vote to lower reserves if the lower requirements could provide the same level of protection the current one does. He further confirmed that he would definitely not vote for higher transaction fees, which he claimed many community members had been using “as an argument to compensate for lower reserves.”
You may also like: XRP Has Stayed in Crypto’s Top 10 for 13 Straight Years – No Other Altcoin Has Done This Binance XRP Reserves at Lowest Since February as Ripple Price Defends Key Support Ripple, Coinbase, Circle Join Linux x402 Foundation to Help Shape AI Payments Where the Rest of the Community Landed Vet did face some pushback, especially from community member Daniel Keller, who argued that lower reserves could help the project attract more users who are unfamiliar with crypto.
According to him, the focus should be on onboarding people outside the existing crypto audience, where sponsors might want to activate accounts on their behalf while keeping down acquisition costs.
Keller also questioned whether Vet’s concerns about spam were overstated and pointed out that the ledger had handled periods of high activity in the past without lower reserves causing any issues.
Meanwhile, another community member, Chris Thompson, raised a different worry: that lowering reserves could make it easier to create more easily disposable wallets, which could increase the surface area for possible exploitation.
Recent XRPL updates have also seen uneven adoption, with only 43% of nodes moving to its v3.2.0 upgrade. The update introduced changes such as reduced memory usage for nodes of between 30% and 40%, as well as improvements tied to network operations.
Not financial or tax advice. PANews content is strictly educational and informational and is not investment advice, financial advice, tax advice, legal advice, or a solicitation to buy or sell any digital asset, security, or financial product. Do your own research and consult qualified advisers.
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Sen. Elizabeth Warren (D-Mass.) criticized political action committee spending during elections on Monday, including spending by the cryptocurrency lobby.
‘Fight To Unrig This Broken System’Warren said on X that “dark money groups” are “spending millions” to influence the selection of congressional representatives.
She targeted groups tied to AI, cryptocurrency and the American Israel Public Affairs Committee—the bipartisan political lobbying organization that advocates for pro-Israel policies.
“We must elect fighters who reject corporate PAC money and will fight to unrig this broken system,” the senior lawmaker said.
AIPAC didn’t immediately return Benzinga’s request for comment.
Crypto Leads Corporate Spending In MidtermsA report published at the end of June found that cryptocurrency, artificial intelligence, Big Tech and online betting corporations collectively spent over $290 million in the 2026 U.S. midterm elections.
Federal filings show Fairshake had already blown past that number—over $74 million spent by May 31.
Supreme Court Ruling At The Heart Of The IssueWarren’s criticism mirrors that of Sen. Bernie Sanders (I‑Vt.), who is equally outspoken against big money in politics.
He is unequivocal in his belief that the Supreme Court’s Citizens United ruling must be overturned. The decision lifted numerous campaign finance laws, enabling corporations, super PACs and outside organizations to spend an unlimited amount of money on elections.
Photo Courtesy: Bryan J. Scrafford on Shutterstock.com
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Validator Draws the Line on Reserve ReductionsXRP Ledger validator Hussein Zangana, widely known in the community as Vet, has publicly pushed back against calls to reduce the network's account reserve requirements, saying he will not vote for further cuts unless proponents can demonstrate that the network would remain equally protected against spam and DDoS attacks.
Zangana, who serves as the XRP Ledger Foundation's director of community, shared his position on July 20 with his nearly 57,000 followers on X. He acknowledged that reserves have already fallen sharply since the network launched. The original 2012 requirement of 1,000 XRP was later reduced to 200 XRP by Jed McCaleb. Most recently, on December 2, 2024, validators voted to set the base reserve at 1 $XRP per account, down from 10 XRP, with the owner reserve dropping to 0.2 XRP per item from 2 XRP.
Zangana said he had backed earlier reductions himself, noting the cuts had made sense given XRP's rising price and XRPL's beefier server capacity at the time. But he is now drawing a firm line. The dUNL validator said he would only vote to lower reserves further if the lower requirements could provide the same level of protection the current system does.
Security Over Cheaper OnboardingThe XRP Ledger applies reserve requirements to protect the shared global ledger from growing excessively large as the result of spam or malicious usage, with the goal of constraining ledger growth to match improvements in technology so that a current commodity-level machine can always fit the ledger in RAM.
According to Vet, storage and memory are precious commodities, and it is through the reserve system that the network is able to defend itself against any form of spam and DDoS attack. He added that a 1 XRP base reserve is unlikely to discourage legitimate users, and that long-term adoption depends more on developers building useful applications than on cheaper account creation.
The stance has sparked a wider community debate, splitting members between those who see lower reserves as necessary for easier onboarding and those who argue it could strip away a security buffer the network still needs.
Sources
CryptoPotato: XRPL Reserve Debate Splits Community Over Adoption vs Security
XRPL.org: Lower Reserves Are In Effect (December 2024)
XRPL.org: Reserve Requirements Documentation
The broader cryptocurrency market shows early signs of a bullish recovery, with Bitcoin (BTC) rising above $65,000 on Tuesday, amid improving retail sentiment. Top altcoins, including Ripple (XRP) and Cardano (ADA), are gaining bullish momentum, while Dogecoin (DOGE) continues to consolidate, holding above a crucial support zone.
Ripple regains bullish momentumXRP remains below both the 50-day and 200-day Exponential Moving Averages (EMAs) at $1.1456 and $1.4678, respectively, keeping the pair in a capped, mildly bearish near-term structure. A decisive close above the 50-day EMA at $1.1456 could ease the current downside bias, ahead of a more substantial barrier at the $1.2543 to $1.2700 supply zone.
Momentum, however, is more constructive than price action suggests, with the Moving Average Convergence Divergence (MACD) and its signal line maintaining an upward trend, suggesting a bullish profile. Meanwhile, the Relative Strength Index (RSI) around 53 points to steady, non-overbought conditions that could support further recovery.
XRP/USDT daily price chart.On the downside, the recent reaction low zone just below the $1.0000 psychological support becomes the next area to watch, as a decisive move below it would likely invite renewed selling pressure.
Cardano extends gains toward its 50-day EMACardano holds above $0.1700 at press time on Tuesday, extending the previous day's gains. However, the altcoin remains below both the 50-day EMA at $0.1772 and the 200-day EMA at $0.2882, which keeps the broader tone bearish.
The MACD rises above its signal line after a minor consolidation, rebuilding a positive histogram profile, while the RSI at 53 hints at modest recovery momentum, yet the pair remains capped by the nearby 50-day EMA overhead.
Looking up, if ADA clears above $0.1772, the potential breakout rally could target the support-turned-resistance level at $0.2205.
ADA/USDT daily price chart.Looking down, the key structural floor is the horizontal support at $0.1486, which marks the initial bearish target if selling pressure resumes.
Dogecoin consolidates near key support levelDogecoin maintains a bearish near‑term bias as it stays below the 50‑day EMA at $0.0798 and the 200‑day EMA at $0.1040. The meme coin is consolidating just above the $0.0700 handle after failing to hold the prior horizontal resistance at $0.0777.
The RSI at 39 hints at subdued but stabilizing downside momentum, and the MACD line hovering slightly above its signal line suggests modest bullish attempts within an overall capped structure.
Immediate resistance appears at $0.0777, followed by the 50‑day EMA at $0.0798; only a sustained break above these levels would ease selling pressure and expose the next key barrier at $0.0879.
DOGE/USDT daily price chart.Initial support is seen at $0.0700, where a daily close would likely extend the bearish phase toward $0.0642.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
Abraxas Capital withdrew 20,000 ETH from Aave, valued at approximately $38.47 million.
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Ripple CTO Emeritus David Schwartz has admitted that he regrets selling some of his early cryptocurrency holdings, including XRP at $0.10 and Ethereum at around $1.
He says his decision was driven mainly by his aversion to risk, which he "really, really" hates.
"Obviously, I wish I hadn't done those things," Schwartz replied.
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The Ripple veteran explained that the sales were part of an agreement he had made with his wife to gradually reduce exposure whenever his holdings reached new all-time highs.
“But I agreed with my wife to sell at every new ATH and I really, really hate risk,” Schwartz said. “I wish I was more comfortable with risk, but I'm just not that person.”
Unlikely price predictions Schwartz previously revealed that he sold his Ethereum because he viewed extreme price predictions as unlikely
Addressing criticism over the early sale, Schwartz said that his decision was based on probability rather than a lack of belief in crypto’s long-term potential.
“If I had thought there was a 1% chance of it hitting $2,368, I would not have sold it for $1.05,” Schwartz previously stated.
Ripple veteran no longer holds much XRPDespite once owning a significant amount of XRP, Schwartz has said that he has largely reduced his cryptocurrency exposure and "does not have much left anymore."
In April, Schwartz revealed that most of his remaining crypto holdings had been sold.
"I don't have that much left anymore," Schwartz said. "I've tried to get most of my assets (other than Ripple stock) away from crypto exposure."
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He explained that his preference for lower volatility outweighed the possibility of future crypto gains.
The Ripple executive acknowledged that his decision could cause him to miss out on potentially historic returns but said he was comfortable with the tradeoff.
“I fully recognize that crypto may be a once-in-a-generation chance to get rich that we have not missed yet and that may mean that I miss a lot of it,” Schwartz said.
Schwartz's early XRP position in the token was substantial. At the peak, he held approximately 26 million XRP.
"Me? At my peak holding, I had about 26 million XRP," Schwartz said.
He also explained that his early crypto strategy involved moving into XRP and Ethereum after selling Bitcoin.
He added that his personality played a major role in his approach. The Ripple veteran has repeatedly said that maintaining peace of mind is more important than attempting to capture every possible market gain.
"I don't really feel my wins and my losses really sting. I still have more risk left than I'm comfortable with. But, obviously, I can't really complain,” he said.
Ripple CTO Emeritus David Schwartz has admitted that he regrets selling some of his early XRP and Ethereum holdings, while explaining that risk management drove the decisions rather than a loss of confidence in cryptocurrency.
Summary
David Schwartz says risk aversion drove early XRP and Ethereum sales despite later price gains. Schwartz followed a family agreement to sell at new highs, reducing long-term crypto exposure substantially. The XRP Ledger co-creator once held about 26 million XRP before steadily cutting holdings down. Schwartz addressed the sales in a July 20 post on X after another user raised his history of selling XRP at $0.10 and Ethereum near $1. “Obviously, I wish I hadn’t done those things,” he said.
However, he added that he had agreed with his wife to reduce exposure whenever his holdings reached new highs because he strongly disliked financial risk.
Obviously, I wish I hadn't done those things. But I agreed with my wife to sell at every new ATH and I really, really hate risk. I wish I was more comfortable with risk, but I'm just not that person.
— David 'JoelKatz' Schwartz (@JoelKatz) July 20, 2026 Risk aversion drove Schwartz’s early crypto sales Schwartz has discussed his early exits several times in recent months. In January, he said he started selling XRP when the token reached $0.10 because that price appeared extremely high at the time. He also recalled believing that XRP reaching $0.25 was unlikely, showing how different market expectations were during the asset’s early years.
His Ethereum sale followed a similar pattern. Schwartz has previously said he sold 40,000 ETH at about $1.05 each. In May, he explained that he would have held the tokens if he had believed there was even a small chance that Ethereum could later reach thousands of dollars.
“If I had thought there was a 1% chance of it hitting $2,368, I would not have sold it for $1.05,” he wrote.
If I had thought there was a 1% chance of it hitting $2,368, I would not have sold it for $1.05. I'm still not sure the odds of that happening really were more than 1% at the time. 😉
— David 'JoelKatz' Schwartz (@JoelKatz) May 4, 2026 The latest comments make clear that Schwartz now regrets the missed returns. However, his explanation centers on his personal approach to risk. Selling at new highs allowed him to reduce exposure to assets whose future prices remained highly uncertain at the time.
His decisions also covered Bitcoin. Schwartz has previously acknowledged selling much of his early Bitcoin holdings at prices far below later market levels. His comments have repeatedly presented those sales as part of a broader effort to manage volatility rather than a specific judgment that the underlying networks would fail.
Former Ripple CTO has reduced his personal crypto exposure Schwartz once held a much larger XRP position than he does. As previously reported, his historical XRP holdings peaked at about 26 million tokens. He has since reduced that exposure and said in May that he had moved much of his wealth outside cryptocurrencies, apart from his Ripple equity.
That approach means Schwartz still has financial exposure to the digital asset industry through Ripple while holding fewer cryptocurrencies directly. He has not provided a complete public breakdown of his current portfolio, making it difficult to determine exactly how much XRP, Bitcoin or Ethereum he still owns. His recent statements instead focus on the broader shift toward lower personal crypto exposure.
The strategy also explains why his early sales continued even as cryptocurrency prices moved higher. Schwartz said his agreement with his wife called for selling at every new all-time high. Such sales locked in gains while gradually lowering the share of the household’s wealth tied to volatile digital assets.
His latest remarks do not present that approach as the best strategy for other investors. Rather, Schwartz described a personal preference that favored lower risk, even when that choice meant giving up the possibility of much larger returns.
Early XRP sales return to a wider price debate Schwartz’s comments come months after his previous statements about XRP price forecasts drew attention from the community. In January, he said that selling XRP at $0.10 once seemed reasonable because even $0.25 appeared unlikely to him. The example formed part of his response to claims that XRP could eventually reach much higher price targets.
The discussion also followed renewed attention around one of his older XRP posts. As crypto.news reported in April, Schwartz rejected claims that a 2017 discussion about XRP liquidity represented a guaranteed price prediction. He said the comments explained the relationship between asset value, liquidity and transaction size rather than promising holders a specific future price.
His latest admission does not introduce a new XRP forecast. Instead, it adds personal context to his earlier trading decisions. Schwartz has repeatedly acknowledged that he underestimated how high several cryptocurrencies could rise while also maintaining a cautious approach toward extreme future price targets.
The distinction has remained central to his recent comments. His regret concerns the returns he missed by selling early, while his explanation focuses on the information and probability estimates available to him when he made those decisions.
Schwartz remains active around XRP after leaving daily leadership Schwartz stepped away from Ripple’s day-to-day chief technology officer duties at the end of 2025 and became CTO Emeritus. However, he has remained involved with the company and the XRP Ledger community. As previously reported, he said he planned to continue coding, running independent XRPL infrastructure and researching new uses for XRP.
His involvement has continued through 2026. In June, Schwartz backed the XRP Ledger 3.2.0 upgrade by updating his independent hub server. The release included changes affecting XRPL infrastructure and tools connected with decentralized finance, lending and tokenized assets.
More recently, as crypto.news reported, Schwartz continued discussing the long-running legal debate surrounding XRP and Ripple’s case with the U.S. Securities and Exchange Commission. He argued that the regulator had originally used broader language about XRP before the court later separated the token itself from the circumstances surrounding particular sales.
Schwartz’s latest comments remain focused on his own financial decisions. His early XRP and Ethereum sales produced returns at the time but left him without much of the later upside. More than a decade later, he continues to describe those decisions through the same framework: he accepts that reducing risk can also mean selling an asset long before it reaches its eventual peak.
David Schwartz, CTO Emeritus of Ripple, stated that he significantly reduced his XRP and Ethereum holdings over the years, citing a strong dislike of risk as the primary motivation behind his decision. Ripple, a San Francisco-based fintech company known for its blockchain-based payments network and the XRP cryptocurrency, has been at the center of major developments in the digital asset sector. Schwartz, recognized as a key technical architect of the company, revealed that his approach led him to miss out on substantial gains during crypto market surges.
Reducing Holdings Amid Market HighsSchwartz explained that a personal agreement with his wife required him to sell a portion of his cryptocurrency holdings each time they reached a new all-time high. This strategy, aimed at gradually lowering risk, led him to part ways with significant amounts of XRP and Ethereum during periods of price appreciation. He admitted to selling XRP at $0.10 and Ethereum at around $1, far below the peaks these assets later achieved.
Schwartz emphasized his deep aversion to volatility and risk, noting that emotional well-being influenced his financial decisions more than the possibility of outsized returns. He said that he is not comfortable taking large risks, even if it means stepping back from potential “once-in-a-generation” opportunities.
“I wish I was more comfortable with risk, but I’m just not that person. I agreed with my wife to sell at every new all-time high and I really, really hate risk,” Schwartz reflected.
According to Schwartz, maintaining financial and emotional stability took priority over maximizing wealth, even though his decisions sometimes resulted in missed profits.
Defending Probabilistic SellingFacing criticism over selling major digital assets too early, Schwartz clarified that his approach was rooted in probability and self-awareness rather than a lack of belief in the future of cryptocurrencies. He said that, for him, the high valuations projected by some in the community appeared too far-fetched to justify holding long term at higher risk levels.
If he believed there was even a 1% chance that Ethereum could reach $2,368, he would not have sold at $1.05, Schwartz explained in previous remarks.
In April, Schwartz reported that he had sold most of his remaining cryptocurrency holdings, preferring to keep the bulk of his wealth away from the volatility of digital assets. At his peak, he held approximately 26 million XRP, a stake that has been substantially reduced over time.
He also disclosed that, after liquidating his Bitcoin positions, he moved into XRP and Ethereum, but gradually converted much of his portfolio back into more stable holdings. As of his latest public statement, Schwartz holds only a small amount of crypto aside from his Ripple stock.
Looking back, Schwartz said he has accepted the possibility that he may forgo life-changing gains, but prefers the peace of mind from avoiding extreme volatility. For him, a measured approach outweighs the allure of chasing unpredictable returns.
Mini dictionary: Ripple is a technology company specializing in real-time gross settlement systems, currency exchange, and remittance networks, utilizing distributed ledger technology. XRP is its associated cryptocurrency, used for facilitating cross-border payments and liquidity.
AssetSchwartz’s Sale PricePeak Price (Historical)Peak HoldingsXRP$0.10$3.8426 millionEthereum (ETH)$1$4,878UndisclosedDisclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Leading cryptocurrencies traded mixed on Monday as escalating geopolitical tensions curbed investors’ risk appetite.
Crypto Trading Volume SpikesBitcoin traded in the $65,000 area through most of the day as 24‑hour volume increased 92%. Ethereum continued to face strong resistance around the $1,915, while XRP edged higher.
More than $245 million in cryptocurrency positions were liquidated over the past 24 hours, with bearish shorts taking the heaviest losses, according to Coinglass data.
Bitcoin’s open interest rose 2.20% over the last 24 hours. Retail derivatives traders on Binance turned neutral on the flagship cryptocurrency, while whales stayed bullish.
"Extreme Fear" sentiment prevailed in the market, according to the Crypto Fear & Greed Index.
Top Gainers (24 Hours)
The global cryptocurrency market capitalization stood at $2.30 trillion, representing a 0.66% increase over the last 24 hours.
Stock Market Closes LowerStocks closed in the red on Monday. The Dow Jones Industrial Average slid 307.16 points, or 0.59%, to close at 51,839.26. The S&P 500 declined 0.19% to close at 7,443.28, while the tech-heavy Nasdaq Composite fell 0.05% to end at 25,508.07.
The U.S. military said it initiated a new round of strikes against Iran even as President Donald Trump said via his Truth Social that Iran would pay for the deaths of American soldiers “many times over.”
This development comes after Iranian Foreign Minister Seyed Abbas Araghchi said that the U.S. would lift its naval blockade of the Strait of Hormuz and begin releasing frozen Iranian assets.
Will Momentum Fizzle Out?Blockchain analytics firm Santiment noted that the average short-term holders of Bitcoin and Ethereum were in “slight profit,” with the 30-day Market Value to Realized Value back above 0%.
“Positive MVRVs tell us the rebound is real, while also reminding bulls that short-term gains can invite faster selloffs if momentum starts cooling,” the research firm added.
Ali Martinez, a widely followed cryptocurrency analyst and trader, stated that Ethereum must hold $1,850 as support to target the next upside at $2,300.
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Ripple (XRP) and Stellar (XLM) trade within tight ranges on Tuesday as traders await the next directional move. XRP’s technical indicators suggest bearish momentum is fading, while XLM continues to consolidate near a critical support zone. Mixed derivatives metrics highlight growing market indecision, raising the likelihood of a volatile breakout in either direction in the coming days.
Derivatives positioning shows mixed biasDerivatives data shows mixed sentiment. CoinGlass’ long-to-short ratio for both XRP and XLM reads 0.88 and 0.81, respectively, on Tuesday. The ratio being below one, indicates bearish sentiment, as traders are betting the assets' prices will fall.
XRP long-to-short ratio chart. Source: Coinglass
XLM long-to-short ratio chart. Source: CoinglassMeanwhile, the funding rates show a positive bias for both altcoins. XRP funding rates flipped positive on July 14 and continue to remain in bullish territory, reading 0.0081% on Tuesday. Similarly, for XLM, the metrics turned positive on Monday, reaching 0.0068% on Tuesday. These positive rates indicate that longs are paying shorts and project bullish sentiment.
XRP funding rate chart. Source: Coinglass
XLM funding rates chart. Source: CoinglassOn-chain data shows mixed sentimentCryptoQuant’s summary data shows mixed bias. XRP’s spot and futures markets show large whale orders with neutral conditions in other metrics, supporting a potential recovery.
However, XLM shows selling-side dominance in both markets with large whale orders, hinting at cautious sentiment among traders and capping any potential recovery.
XRP summary data. Source: CryptoQuant
XLM summary data. Source: CryptoQuantXRP technical outlook: Fading bearish strengthXRP price trades at $1.11 on Tuesday after a slight recovery in the previous day. However, XRP is holding below the short-, medium- and long-term Exponential Moving Averages (EMAs), which keeps the near-term bias capped despite improving momentum. The 50-day EMA at $1.14 and the 23.6% Fibonacci retracement at $1.13 sit just overhead as immediate resistance, while a mid-range Relative Strength Index (RSI) around 51 and a positive Moving Average Convergence Divergence (MACD) histogram hint that selling pressure is easing rather than reversing.
On the topside, initial resistance is clustered between the 23.6% Fibonacci retracement at $1.13 and the 50-day EMA at $1.14, followed by a broader structural band around the 38.2% Fibonacci retracement at $1.21 and the 100-day EMA at $1.23. Higher up, the 50% retracement level at $1.27 and the horizontal barrier at $1.28 precede deeper retracement resistance at $1.34, marking a more distant ceiling.
On the downside, immediate support is defined by the psychological horizontal floor at $1.00, where buyers would be expected to defend the broader bullish cycle.
XLM technical outlook: Consolidates around key support zonesXLM price trades at $0.187 on Tuesday, consolidating below the key 50-day and 100-day EMAs around $0.187, keeping the near-term bias bearish despite a slight improvement in momentum. Price is marginally above the 100-day EMA at $0.187, hinting at tentative underlying support, while the RSI is near 47 and a mildly positive MACD reading suggests consolidative rather than impulsive selling pressure at current levels.
On the topside, immediate resistance is seen at the 50-day EMA at $0.189, followed by the 200-day EMA at $0.196 and the 61.8% Fibonacci retracement at $0.200.
On the downside, initial support comes from the 100-day EMA at $0.187, ahead of the horizontal floor at $0.177 and the 78.6% Fibonacci retracement at $0.173, with a deeper cushion only at the $0.142 horizontal level if bearish pressure resumes.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
The crypto market overview for Monday shows cautious stability as Bitcoin price remains above $64,000. Ethereum price holds near $1,882, while XRP price struggles below the $1.10 resistance level.
Pi Network leads the market with a 15% jump. Pump.fun also extends its rebound. Traders are watching geopolitical tensions and the Federal Reserve meeting scheduled for July 28 and July 29 later this month.
Crypto Market Stabilizes as Bitcoin Holds Above $64k Level The wider crypto market is still pegged at around $2.2 trillion, which is indicative of minimal activity in the digital assets.
The Crypto Fear and Greed Index of CoinMarketCap is 34, indicating a cautious attitude even after recent recoveries. Bitcoin price traded around $64,927 on Monday after gaining 1.45% during the previous seven days.
Source: CMC data The leading cryptocurrency is testing a bullish breakout near the $64,200 support zone. A sustained hold above $64,200 could help buyers challenge the $65,000 resistance level as per the detailed Bitcoin price analysis.
Nevertheless, a decisive drop below that level might push the Bitcoin further down, and leave it vulnerable to $60,000.
The renewed military tensions between the United States and Iran further raised market uncertainty. Investors will pay attention to the Federal Reserve meeting on July 28 and July 29.
The rate decision of the central bank may affect the liquidity expectations, risk appetite, and prices of the cryptocurrencies in the various markets.
Ethereum Price Consolidates Near $1,882 While XRP Faces Pressure Ethereum price was trading at $1,882 on Monday following a 4% increase over the past week. The ETH continues moving sideways between support near $1,820 and resistance at $1,940.
The breakout of above $1,940 may reinforce momentum and motivate buyers to seek new levels. Conversely, a drop below $1,820 may expose Ethereum to further selling pressure during the week.
Source: Tradingview XRP price is also in the weak position, and its upside has been repeatedly limited below the resistance level of $1.10. Its technical structure is weakening with the token approaching major support at $1.00.
Any recovery above $1.10 would be required to boost sentiment and rekindle short-term momentum.
Pi Network Extends Rally Ahead of Protocol v25 Upgrade Pi Network price gained more than 15% on Monday, extending its rebound for a fourth consecutive session.
The rally followed a 207% increase in daily trading volume to $40.47 million. That steep growth implies a new speculative buzz and increased purchasing dynamics around the PI token.
Pi Network’s Protocol v25 is bringing several Improvements@PiCoreTeam schedules its Protocol v25 upgrade for July 22 to optimize network stability and enhance smart contract efficiency across its global ecosystem.
The rollout introduces privacy-preserving smart contract… pic.twitter.com/Ynm1y1tadU
— BSCN (@BSCNews) July 16, 2026
Investors are preparing for the Protocol v25 upgrade, due July 22. The update will replace older Protocol v19 standards with newer features designed to improve network performance.
Pump.fun Rebounds 20% as PUMP Climbs to Two-Month High Pump.fun traded near $0.0020 on Monday after gaining 20% during the previous session. The PUMP token has gained over 35% in the last one week, which favors the positive short-term perspective.
Its price soared to a two-month high when crypto trader Ansem announced the new position in the token. The rally started on Sunday when PUMP rose by about $0.0016 to $0.0019.
A viral meme coin as well as more attention was paid to the Solana launchpad and enhanced platform activity.
Trader 0xbf73 made a 10x long trade on $1.53 million worth of 764.14 million PUMP, which was funded by $115,000 worth of SOL purchased by Ansem (@blknoiz06).
After Ansem(@blknoiz06) bought $PUMP with 1,500 $SOL($115K), trader 0xbf73 opened a 10x long on 764.14M $PUMP($1.53M).
Nevertheless, additional returns might be pegged on the fact that Bitcoin is not going to drop and wider risk appetite is going to increase in the crypto markets.
XRP has been forming a key structure on its long-term price chart, with recent price action now testing that formation. Crypto analyst Javon Marks has released a technical analysis of XRP, identifying a setup that mirrors patterns seen earlier in the asset’s history.
Repeating pattern signals breakout potentialMarks’ analysis covers XRP’s entire price history using a logarithmic scale, stretching from 2013 to a projection reaching as far as 2036. Within this timeline, Marks notes two significant triangle patterns. The first appeared between 2014 and 2017, resulting in a brief drop below support before prices reversed and moved sharply higher.
The second triangle has developed from 2018 through 2024, demonstrating nearly identical structure and behavior, including a temporary breakdown below the pattern’s lower boundary. After this false move, XRP surged over 500%, according to Marks. This parallel supports his current outlook for the asset.
XRP continues to approach another critical point, and the setup indicates that the next upward move could target $15 and above, according to Marks’ technical projections.
Mini dictionary: Javon Marks is a cryptocurrency analyst known for his technical charting and market cycle pattern analysis, frequently sharing forecasts for various digital assets, including XRP.
False breakdown patterns highlightedBoth triangle patterns in Marks’ chart are labeled “False Breakdown” at their respective lows. In the first cycle, XRP’s price briefly dropped below the triangle’s support before rebounding sharply, eventually fueling a major rally. The recently completed pattern exhibits a nearly identical move.
Since July 2025, XRP has traded inside a falling wedge formation after setting an all-time high of $3.65. A June 2026 decline brought the price close to the wedge’s bottom, which Marks and other technical experts interpret as the cycle’s low point.
With this structure in place, analysts are closely watching for a decisive move out of consolidation, anticipating that the pattern could again precede a major upward breakout.
CyclePattern TypeFalse BreakdownOutcome2014–2017TriangleYesMajor rally (500%+ rise)2018–2024TriangleYesPending, upside targeted$15 target outlinedMarks emphasizes that XRP is nearing a critical moment, setting the stage for a potential push toward a measured move target of $15 and higher. On his chart, this key level is marked as horizontal resistance, situated significantly above the present trading price.
A green trajectory on the projected chart shows a possible rally from current levels toward $15, closely following the price action observed during the last cycle’s breakout.
If XRP breaks through current resistance, the technical structure suggests that a move to $15 could be increasingly likely in line with previous cycle behavior.
Current status and technical outlookAt present, XRP is trading near $1.09, firmly within the ongoing consolidation zone identified by analysts. A sustained move above current resistance would be required for confirmation of the setup and further bullish momentum.
Marks’ approach relies on identifying repeated price behavior across distinct market cycles. The recurring structural similarities, combined with the recent false breakdown, underscore his expectation that major upside could materialize if the current chart pattern holds.
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.
RippleXity, a well-known commentator in the cryptocurrency community, has asserted that a potential XRP “repricing” event could trigger the largest wealth transfer of the current generation. The statement, which generated significant engagement, invited followers to consider whether they are prepared for a major shift in the digital asset’s valuation.
XRP price projection sparks debateOn its X (formerly Twitter) account, RippleXity presented a video projecting XRP’s possible price movement from $1.37 to over $10,000, underscoring the scale of appreciation the group envisions. The post did not specify a timeframe or clarify which developments might propel the token to such levels. Instead, RippleXity’s approach highlighted a long-term outlook and called for community perspectives on the future trajectory of XRP.
“We believe XRP repricing will be the biggest wealth transfer of our generation. Are you positioned?” RippleXity wrote, as the video depicted dramatic possible gains for the digital asset.
RippleXity is an online personality known for sharing bullish views on the future of XRP, the cryptocurrency developed by Ripple Labs to facilitate cross-border transactions.
Community divided on potential and terminologyRippleXity’s post attracted a wide spectrum of responses, ranging from enthusiastic agreement to cautious skepticism. Some community members echoed confidence in XRP’s potential for substantial long-term growth, while others challenged both the plausibility of such price predictions and the use of the term “repricing” in this context.
LedgerLegend, a long-time observer in the community, noted that similar predictions have circulated for more than a decade. The user highlighted the persistence of ambitious forecasts despite XRP’s historical volatility and extended periods of relative price stability.
Karen questioned the assumption that widespread use of the XRP Ledger’s payment infrastructure by banks would directly boost demand for XRP itself. She suggested that the adoption of the technology alone may not translate into significantly higher token prices unless clear mechanisms emerge that require financial institutions to hold substantial XRP reserves.
Another user, Brick196, shared personal frustrations, stating that after 18 months in the cryptocurrency market, mounting losses had caused them to consider exiting their position if an opportunity to break even arose.
Several users also debated whether “repricing” was an appropriate term for potential sudden shifts in crypto asset values. They pointed out that repricing events in traditional finance usually follow regulatory or structural market changes, while cryptocurrency valuations can be influenced by a broader and often more speculative range of factors.
Despite these concerns, some respondents remained optimistic, suggesting that while significant gains for XRP may be possible over time, investors should temper their expectations and approach the market with patience and caution. Multiple community members emphasized the importance of long-term planning and taking profits during bullish periods.
Community-driven projects remain in focusThe discussion surrounding XRP also reflects the broader influence of online communities on cryptocurrency narratives. Beyond established digital assets, newer projects are attempting to build momentum by combining recognizable internet culture with community-led development models.
APEPEPE is a community-focused, next-generation meme coin project that combines the energy of “ape” and Pepe, two powerful symbols of internet culture. Aiming to build a strong, long-term digital community, the project has a fixed supply of 1 trillion tokens, with 39% of the total supply allocated to the token sale and 25% to liquidity. The $APEPE token, currently in its presale, can be purchased using ETH, USDT, or USDC via MetaMask, Trust Wallet, and other EVM-compatible wallets.
Outlook highlights ongoing optimism and skepticismRippleXity’s remarks underline the divide between bullish XRP advocates and those who remain skeptical of extraordinary price projections. While supporters continue to speculate about future surges—sometimes invoking targets widely regarded as unrealistic—many investors stressed the need for clear use cases and market drivers that could realistically fuel such appreciation.
Others called attention to the cyclical nature of digital asset markets, warning that even assets with promising long-term potential may face extended periods of consolidation or decline. The conversation reflects a broader willingness within the XRP community to engage with both optimism and critical debate regarding the token’s future outlook.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
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.
Over the past 24 hours, the XRP market has seen a significant revival, resulting in a net liquidity inflow of $743.7 million and instantly lifting the asset's daily trading volume by 61.15%, bringing the total to an impressive $1.96 billion, according to CoinGlass. XRP's price itself has remained frozen in a horizontal range near $1.1122, posting a microscopic change of 1.34%.
However, behind this apparent calm lies preparation for potentially the strongest technical move of the summer — a return to its main long-term 200-day moving average.
XRP trading data highlighting the trading volume and open interest in 24H, Source: CoinGlassWhat the $744 million volume boost means for the price trendThe entire intrigue of the current moment revolves around whether XRP can use this multimillion-dollar impulse to stage a full comeback toward the 200-day moving average, which currently sits at $1.4202.
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In technical analysis, this indicator is considered a key dividing line between global trends, while the chart's current compression near the blue 50-day moving average at $1.1214 makes this setup particularly compelling to watch.
XRP price action on a daily timeframe, Source: TradingViewFurther developments in the market come down to two key scenarios:
The bull case assumes that daily trading volume will remain above $1.8 billion, enabling a confident breakout above $1.1214 and a subsequent impulsive move toward the main medium-term target of $1.42. This would unlock 28% upside potential and return XRP to its 200-day moving average.The bear case is activated if buyers fail to break through the nearest barrier at $1.12. This would inevitably push daily trading volume below $1.5 billion and trigger a gradual price decline into a prolonged consolidation phase near the psychological support level of $1.00. You Might Also Like
At the same time, the market's internal structure clearly shows that fresh capital has entered the asset on a very healthy foundation and without dangerous margin overheating. The RSI indicator, at 49.06, has recorded a rare double bullish divergence at the June and July lows, confirming the complete exhaustion of sellers immediately before the daily surge in trading volume.
The strength of this foundation is further supported by $2.50 billion in open interest and an almost neutral funding rate of 0.0066%. This points to the organic accumulation of long-term positions, primarily in the spot market, and minimizes the risk of sudden forced liquidations.
As more cryptocurrency investors opt for self-custody solutions, questions have emerged about the extent of government authority over personal digital wallets. Web3 consultant and investor Jake Claver has addressed whether US authorities can freeze XRP stored in cold wallets controlled by individuals.
Wallet visibility and asset controlJake Claver explained that while blockchain technology allows authorities to track transactions and, in some cases, link a wallet address to its owner, this level of visibility does not equate to direct control over digital assets inside self-custody wallets. Law enforcement can monitor activity associated with particular blockchain addresses if there is enough evidence to establish ownership, but this does not enable them to freeze the XRP itself.
Claver highlighted the distinction between monitoring blockchain activity and actually restricting access to or movement of assets. He noted that the XRP Ledger, which supports the XRP cryptocurrency, has features enabling participants to reject transactions from certain sources using blacklisting capabilities. However, these mechanisms do not grant the power to seize or freeze someone else’s XRP without the owner’s authorization.
While investigators can link blockchain activity to specific individuals, this transparency does not provide the technical means to freeze assets held in self-custody wallets, according to Claver.
He acknowledged that authorities could potentially gain access to a wallet by obtaining its private keys, which would enable them to control the contents. However, he emphasized that such scenarios are rare and depend largely on how securely the private keys are stored by the asset owner.
Mini dictionary: XRP Ledger, an open-source decentralized public blockchain that supports transactions and asset issuance, is the underlying technology behind the XRP cryptocurrency.
Impact of custody models on securityClaver compared different custodial solutions that offer varying degrees of security for digital assets. He referenced Anchorage, a digital asset platform offering multi-signature custody, where algorithmically generated keys and multiple approvers are required for any transaction. This setup reduces the risk that a single party could lose or compromise custody of the assets.
He also mentioned Tangem cards, physical wallets that rely on near-field communication (NFC) for access, suggesting they pose different considerations compared to hardware wallets like Ledger, which have distinct security features and usage protocols.
Claver pointed out that custody providers operating within the United States are subject to US legal jurisdiction, which may potentially expose users to different government actions compared to utilizing custody services in other countries.
Custody SolutionKey ManagementLegal JurisdictionSecurity FeaturesAnchorageMulti-signature, algorithmicUnited StatesMultiple approvals requiredTangem CardNFC, physical cardVariesPhysical access requiredLedgerHardware wallet, seed phraseVariesPIN/security chipAdditional safeguards for concerned investorsClaver stated that most XRP holders who comply with laws and pay taxes do not need to worry about their assets being frozen in self-custody wallets. For those seeking greater security, he suggested considering institutional-grade custody solutions or establishing trusts with signatories in jurisdictions outside the United States, such as the Cook Islands.
He indicated that although these approaches offer added protection, they are generally unnecessary for the typical investor. Claver’s main advice is that individuals who follow legal guidelines are unlikely to encounter such concerns, while advanced custody options remain available for those seeking additional layers of asset security.
Anyone wanting more robust protections can consider multi-signature custody or offshore trust structures, though such steps are usually only needed for large or sensitive holdings, Claver said.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Finance coach Dr. Kamilah Stevenson called on XRP holders to safeguard their assets by embracing self-custody, highlighting the risks of relying on third-party platforms for storing digital currencies. In her message, Stevenson emphasized a foundational principle within the crypto sector: controlling private keys is essential for true ownership of digital assets.
XRP holders urged to take control of private keysStevenson posted the reminder on X, encouraging the XRP community to act before potential threats compromise their holdings. She stated that those who do not personally manage their private keys do not have full control over their cryptocurrency, urging action to prevent loss or unauthorized access.
“Every XRP holder needs to hear this. If you don’t control your private keys, you don’t fully control your crypto. Take ownership before it’s too late.”
Self-custody remains a central security theme in the cryptocurrency world, as asset holders who forgo oversight of their private keys often face heightened risks during exchange failures, security breaches, or regulatory interventions. Stevenson’s appeal reflects broader debates concerning digital asset management and the responsibility of investors to secure their funds independent of external service providers.
Video amplifies claims of future XRP price and global roleThe video attached to Stevenson’s post featured Dr. Jim Willie, who described his vision for XRP’s long-term role in global financial infrastructure. Willie claimed that a group of major financial entities—including the International Monetary Fund, Depository Trust, Bank of New York Mellon, Nasdaq, SWIFT, Wall Street banks, and central banks—had allegedly predetermined an exceptionally high future valuation for XRP, positioning it as a standard for international payments.
He suggested that these organizations aimed to limit public ownership of XRP through early coordination and pointed to regulatory actions, such as the SEC’s lawsuit against Ripple, as part of measures to reduce retail participation. According to Willie, XRP could eventually be valued at $5,000 and even reach $12,000, attributing this outlook to its anticipated function as a bridge currency for global financial transfers.
These comments represent the personal views of Dr. Jim Willie and have not been substantiated by the institutions he referenced.
Mini dictionary: Bridge currency – A digital or fiat currency used as an intermediary in the exchange or transfer of value between different fiat currencies or assets, enhancing efficiency and reducing costs in cross-border payments.
Alleged Institutional InvolvementProposed RoleClaimed XRP Price RangeIMF, SWIFT, major banks, central banksStandard for international payments$5,000 – $12,000Stevenson’s post sparked further discussion within the XRP community. Redhorse, an X user and self-identified member of the community, agreed with the message but recommended institutional custody as an additional safeguard. He argued that even briefly connecting a wallet to the internet could expose it to cyberattacks, making trusted institutional storage a potentially safer option for substantial XRP holdings.
Despite these differing opinions, Stevenson maintained her focus on the principle of self-custody through control of private keys. The ongoing dialogue highlights the persistent concerns about asset security and the evolving strategies that XRP holders consider in order to protect both their investments and their privacy.
Stevenson’s post renews attention on how digital asset owners store their holdings, reinforcing the importance of security and self-management for XRP’s future in global payments.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
The XRP Ledger (XRPL) is experiencing rapid growth in tokenized real-world assets (RWAs), with tokenized U.S. Treasuries driving much of this expansion. Verified data from Trensik, a platform specializing in monitoring real-world assets on XRPL, shows that the value of tokenized U.S. Treasuries rose sharply from $50 million in April 2025 to $418.5 million by April 2026, marking an eightfold increase in twelve months. Such growth highlights increasing institutional interest in regulated, blockchain-based financial options.
Institutional activity surges on XRPLBeyond just the issuance of these assets, on-chain activity involving tokenized U.S. Treasuries on the XRP Ledger has also intensified. In the last four months, transfer volumes reached $352.3 million, a figure that nearly matches the entire market’s on-chain value. For comparison, all of 2025 saw only $70.1 million in transfer volume for these tokenized securities, making the recent surge a fivefold jump in a much shorter time frame.
This uptick in activity indicates that tokenized Treasuries on XRPL are being put to practical use. Financial institutions increasingly employ these assets for collateral, liquidity management, and real-time settlement, moving beyond simple digital versions of traditional securities. This trend reflects their growing role as foundational components of blockchain-based financial infrastructure.
Recent analysis attributes the increase in transfer volumes to expanding usage by institutions rather than just heightened speculative interest, underlining XRPL’s evolving role in the crypto market.
Over the past four months, tokenized U.S. Treasuries generated $352.3 million in transfer volume on XRPL, nearly matching the market’s total on-chain value and pointing to growing real-world adoption among financial institutions.
Mini dictionary: Trensik, a data platform that monitors and verifies real-world asset (RWA) activity, provides on-chain analytics on tokenized asset issuance and transfer metrics across the XRP Ledger.
PeriodTokenized Treasuries IssuedTransfer VolumeApril 2025$50 million—April 2026$418.5 million$352.3 million (last 4 months)2025 (full year)—$70.1 millionMajor institutions boost XRPL presenceInstitutions such as Ondo Finance, OpenEden, Guggenheim, and Archax have launched or signaled plans for tokenized Treasury projects on XRPL. Their involvement suggests growing confidence in the ledger’s ability to support regulated, high-volume financial operations.
London-based Archax, an FCA-authorized digital asset exchange and custodian, stands out among these firms. Archax has committed to tokenizing up to $1 billion in real-world assets on the XRP Ledger by mid-2026. This figure is more than twice the current size of XRPL’s tokenized Treasury market, highlighting considerable institutional expectations for future growth.
Other asset categories on XRPL are also showing signs of growth. Tokenized Gold (traded as XAUa) recently surpassed $1 million in trading volume. At the same time, XRPL’s network has expanded to accommodate more than 8 million accounts, reflecting broader ecosystem adoption.
Large investors and whale wallets have also increased their holdings, accumulating over 70 million XRP in recent months. This trend may suggest expanding optimism about the network’s future among major market participants.
Institutional momentum is building as Archax and others tap the XRP Ledger’s infrastructure to launch sizable tokenization projects, paving the way for further growth in both asset diversity and network activity.
As the global financial sector moves further toward tokenization, the XRP Ledger is positioning itself as a growing hub for regulated real-world assets. With rapid expansion in both the issuance and utilization of tokenized Treasuries, as well as significant commitments from institutional players, XRPL appears to be transitioning from a traditional payments system into a key platform for on-chain financial products.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
@Grayscale is lending its institutional credibility to @Ripple's pitch for the XRP Ledger and its stablecoin, RLUSD. The asset manager recently sat down with Jack McDonald, Ripple's Senior Vice President of Stablecoins, to lay out the case for $XRP and RLUSD adoption among financial institutions.
The Institutional Case for XRPL The conversation, led by Grayscale Research's Charlie Perkins, covered Ripple's long-standing focus on building infrastructure for banks and payment providers. McDonald framed the company's mission simply: Ripple's long-term strategy has remained focused on building institutional-grade infrastructure that enables banks, payment providers, and enterprises to move value more efficiently across the globe.
Within that framework, RLUSD and $XRP serve distinct but complementary roles. RLUSD provides a regulated, US dollar-backed stablecoin for payments, treasury management, decentralized finance, and tokenized asset settlement, while XRP functions as a bridge asset that delivers instant liquidity and near-instant cross-border settlement. Ripple launched RLUSD in December 2024 under a charter from the New York State Department of Financial Services.
A Landmark Pilot with Mastercard, JPMorgan, and Ondo Finance Central to the Grayscale pitch is a May 2026 pilot that put XRPL's institutional credentials on public display. Ondo Finance announced the successful completion of the first near real-time cross-border, cross-bank redemption of a tokenized US Treasury fund, conducted in collaboration with Kinexys by J.P. Morgan, Mastercard, and Ripple.
The mechanics were straightforward but significant. Ripple redeemed part of its OUSG holding on the XRP Ledger. The redemption triggered an instruction through Mastercard's Multi-Token Network to Kinexys, which debited Ondo's blockchain deposit account at JPMorgan and wired the equivalent dollars to Ripple's bank in Singapore. The redemption cleared on XRPL in under five seconds, completing a settlement flow that typically takes correspondent banks one to three business days.
The actual settlement ran on RLUSD, with a fraction of XRP used as the network fee, because Ondo's OUSG was built to use RLUSD as the settlement asset on XRPL since June 2025. That distinction matters for institutions: RLUSD's regulatory backing and price stability make it the practical choice for large-scale compliance-sensitive transactions.
By framing this as a Grayscale-endorsed narrative, the message is aimed squarely at institutional allocators rather than retail markets. The pilot demonstrated that public blockchain infrastructure and global interbank rails can operate as a single integrated flow, a proof of concept that gives traditional finance a concrete reason to engage with XRPL.
Sources:
Ondo, Kinexys by J.P. Morgan, Mastercard, and Ripple: Official Press Release (PR Newswire)
Ripple's Enterprise-First Strategy: Jack McDonald on Mastercard and JPMorgan (CoinPaper)
Ripple, JPMorgan settle first cross-border tokenized Treasury redemption on XRP Ledger (CoinDesk)
Ripple Prime has been selected as a finalist in four categories at the Hedge Week US Awards 2026, a move CEO Mike Higgins called a significant milestone for the prime brokerage. Higgins highlighted the achievement in a recent social media post, expressing gratitude to clients and partners, and noted that community voting to determine the winners is now underway.
Award Nominations and CompetitorsRipple Prime is in the running for ‘Prime Broker of the Year’ honors in several key categories: Client Service, Specialist Markets, Start-up & Emerging Managers, and Technology. For the Specialist Markets segment, it is competing alongside Interactive Brokers and Mirae Asset Securities (USA). In the Start-up & Emerging Managers and Technology categories, competitors include Jones Trading and AGP Prime, among others.
Higgins emphasized the importance of community participation in the voting process, indicating that further progress depends on client and industry support.
Ripple Prime, previously known as Hidden Road, was acquired by Ripple in April 2025. The firm is recognized as one of the largest non-bank prime brokers worldwide, reportedly clearing more than $3 trillion in trading volume each year across a client base that exceeds 300 institutional participants.
Mini dictionary: Prime broker – A financial services firm that offers professional trading, custody, financing, and clearing services, mainly to institutional clients such as hedge funds.
CategoryRipple Prime CompetitorsSpecialist MarketsInteractive Brokers, Mirae Asset Securities (USA)Start-up & Emerging ManagersJones Trading, AGP PrimeTechnologyJones Trading, AGP PrimeGrowth After Ripple AcquisitionAt a quarterly webinar hosted by Token Relations, Higgins reported that Ripple Prime’s revenue has more than tripled since its acquisition by Ripple. He attributed this rapid growth to new and existing clients expanding their business through the platform.
Higgins identified several drivers for this performance, including the introduction of Ripple’s RLUSD stablecoin, which enables round-the-clock collateral movement, a horizontal clearing infrastructure, and cross-margining solutions across various asset classes. According to Higgins, these innovations have allowed clients to reduce margin requirements on certain trades from $12.5 million to about $1 million.
Revenue has more than tripled since the acquisition, with new products and infrastructure attracting institutional clients and enabling more efficient margin requirements.
Strategic Partnerships and Market ExpansionRipple Prime expanded its offering in the second quarter by integrating with EDX Markets, Coinbase Derivatives, Hyperliquid, and Bullish. The firm also secured a $200 million debt facility from Neuberger Berman, positioning it for further institutional growth.
Higgins noted the diversification of Ripple Prime’s client base, pointing to an increase in hedge funds, asset managers, pension funds, and endowments, in addition to crypto-native trading firms. He credited this shift to growing regulatory certainty, supported by the GENIUS Act and the anticipated CLARITY Act.
Mini dictionary: GENIUS Act – Proposed US legislation aimed at establishing clearer regulatory frameworks for digital asset markets. The CLARITY Act is also awaiting legislative approval to further clarify oversight in the crypto sector.
New integrations and a substantial debt facility have enabled Ripple Prime to serve a broader range of institutional clients, with regulatory clarity driving further interest.
Future PrioritiesShort-term plans include adding new types of collateral, such as tokenized money market funds, and developing a “Delta One” equities business. Looking ahead, Higgins stated that the firm’s long-term strategy focuses on promoting industry standardization in prime brokerage and digital asset clearing services.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
A wave of institutional investment in XRP is taking shape as eight public companies have pledged almost $2 billion for dedicated XRP treasuries. Notably, leading firms are formalizing substantial commitments to XRP as an asset on their balance sheets, with full public disclosure in line with regulatory requirements. This shift echoes the path that propelled Bitcoin into corporate finance circles.
The companies and their commitmentsTrident Digital Tech Holdings, a Singapore-based technology firm listed on Nasdaq, tops the list by planning to raise $500 million for one of the largest corporate XRP treasuries to date. Webus International, active in cross-border payments, is seeking $300 million in non-equity financing to establish an XRP-backed reserve supporting its global network.
VivoPower International, a sustainable energy company, raised $121 million in private funding, allocating $100 million for XRP and staking those funds on the Flare Network. Other participants include Wellgistics Health, which secured a $50 million equity line drawn specifically for an XRP treasury; and Japan’s Gumi Inc., introducing a $17 million program split between XRP and Bitcoin.
Nature’s Miracle Holding, a supplier of agricultural products, announced a $20 million XRP treasury initiative, becoming the first U.S.-listed non-financial public company to do so. Hyperscale Data committed $10 million to XRP, while Worksport, a manufacturer in the automotive sector, allocated up to $5 million derived from its existing operational cash flow.
Mini dictionary: Flare Network – A decentralized, interoperable blockchain designed to bring smart contract functionality to various tokens and facilitate staking and bridging between blockchains.
CompanyCountrySectorXRP Treasury CommitmentTrident Digital Tech HoldingsSingaporeTechnology$500 millionWebus InternationalUndisclosedPayments$300 millionVivoPower InternationalGlobalEnergy$100 millionWellgistics HealthUndisclosedHealthcare$50 millionGumi Inc.JapanGaming/Tech$17 million (XRP & BTC)Nature’s Miracle HoldingUSAAgriculture$20 millionHyperscale DataUndisclosedData/Technology$10 millionWorksportUSAAutomotiveUp to $5 millionThe blueprint that brought Bitcoin into mainstream company treasuries is now increasingly being applied to XRP, with eight public firms announcing nearly $2 billion in in-house XRP reserves.
Strategic objectives and funding modelsUnlike speculative trading, these allocations are long-term treasury strategies embedded into the companies’ financial planning. Trident Digital and VivoPower have financed their positions with capital raised from investors, while Webus International opted for debt-based facilities. Worksport redirected surplus cash, and Hyperscale mixed direct acquisitions with DeFi-based lending mechanisms.
Soon Huat Lim, CEO of Trident Digital Tech Holdings, stated that digital assets are central to the changing global financial landscape, indicating the firm’s conviction in holding XRP for strategic purposes.
According to Soon Huat Lim, embracing digital assets within the company’s treasury is aligned with their long-term vision for global finance.
XRP follows the corporate bitcoin playbookThe trend mirrors the playbook initiated by Strategy, previously MicroStrategy—a US-based business intelligence company—in 2020, which famously allocated billions into Bitcoin. With approximately $2 billion in planned corporate XRP treasuries, institutional adoption is accelerating along similar lines.
Legal clarity around XRP’s regulatory status has improved, encouraging public companies to make significant, publicly disclosed investments. Each new treasury signals growing institutional acceptance and helps reinforce XRP’s profile as a reserve asset among listed firms.
Notably, Evernorth, a Ripple-supported digital asset treasury company, currently holds nearly 0.5% of XRP’s total token supply but is not included in the current tally of public commitments.
Mini dictionary: Evernorth – An institutional-grade digital asset treasury manager focused on helping large organizations allocate digital assets for long-term holdings, with particular expertise in XRP-based reserves.
The sustained accumulation by multiple public companies underlines structural demand for XRP and could have long-term effects on its price stability as institutions scale up their positions.
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 Streak No Other Altcoin Has MatchedXRP ranked 8th in 2014 with a $32 million market cap and a 0.3% share of the top 10, according to CoinGecko data.
By 2025 it had climbed to fourth with a $127.9 billion market cap and a 4.3% share, a more than 4,000x increase over 11 years.
What makes the streak stand out is what XRP survived to maintain it. Litecoin (CRYPTO: LTC) dropped out of the top 10 entirely after 2020.
XRP endured a prolonged SEC lawsuit from 2020 to 2023 that threatened its presence on US exchanges and stayed in the top 10 throughout, sustained by institutional and cross-border payments demand that kept it relevant across every market cycle.
Why Kucuker Sees $6 As the First Real TargetAnalyst Celal Kucuker shared a monthly XRP chart on X, showing price sitting at the lower boundary of a long-term ascending channel dating back to 2017.
The channel’s upper boundary projects to just above $6 by 2027 if the current cycle follows its historical structure.
His argument centers on the Clarity Act as the variable separating a standard recovery from an institutional-grade breakout.
“XRP is more institutional and more American than ETH,” Kucuker wrote, arguing XRP would benefit from regulatory clarity at least as much as Ethereum (CRYPTO: ETH) given its positioning as a payments and settlement asset already embedded in traditional finance infrastructure.
What Ripple’s Institutional Partnerships ShowGrayscale’s discussion with Ripple Senior Vice President of Stablecoins Jack McDonald also covered a 2026 pilot for near real-time cross-border settlement of tokenized US Treasuries on the XRP Ledger, pointing to direct integration between traditional finance rails and blockchain infrastructure.
RLUSD adoption and XRP’s institutional use cases were framed constructively, though the token barely reacted to the news at current prices.
Photo via Shutterstock
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XRP, the digital asset powering Ripple’s payment network, has seen analysts turn their attention to its long-term technical structure amidst a prolonged period of sideways price action and subdued market sentiment.
Analysts draw parallels between XRP and Amazon’s historic breakoutDespite pulling back to near $1.10 after peaking at $3.65 one year ago, several market experts maintain that XRP could be preparing for its next significant move. Leading technical analyst ChartNerd describes XRP’s price action as mirroring Amazon’s multi-year accumulation phase before its landmark breakout.
Both assets, according to ChartNerd, spent years consolidating beneath major resistance levels while forming a series of higher lows. This so-called accumulation pattern is commonly viewed by technical traders as a potential precursor to strong, sustained rallies if momentum returns.
History is likely to repeat itself here; the eventual breakout, not the past period of consolidation, will define what comes next for XRP, ChartNerd explained, describing the current price zone as part of an ongoing market cycle rather than a sign of fundamental weakness.
ChartNerd noted that repeated price pullbacks in recent months have typically been met with renewed buying interest, indicating that accumulators remain active in the market. The analyst suggested this resilience could set the stage for a decisive move if resistance zones are eventually cleared.
Mini dictionary: Ripple is a blockchain-based digital payment network and protocol that utilizes its native token, XRP, to facilitate real-time international money transfers for financial institutions.
RSI approaches key level as traders watch for reversal signalReinforcing the bullish outlook, crypto analyst EGRAG CRYPTO pointed to the Relative Strength Index (RSI), a widely used momentum indicator, as XRP’s next potential catalyst. The 40-day RSI currently hovers around 42.7, slightly below the crucial 44 threshold.
EGRAG CRYPTO explained that if XRP reclaims this 44 level and sees the indicator advance toward 47, followed by a retest of 44 as support, it could signal a shift toward renewed upward momentum. A sustained move above 47, and eventually above 50 and 52.85, would likely confirm that XRP is emerging from its consolidation period into a broader expansion phase.
Should the RSI reclaim these critical levels and buyers push through overhead resistance, traders may see confirmation that XRP is entering a new bullish cycle.
Currently, XRP is trading within a narrowing symmetrical triangle, a technical pattern known for periods of contracting volatility followed by sharp directional moves as the range is resolved. Buyers have managed to defend a sequence of higher lows, while sellers remain active at lower highs, compressing price action toward the triangle’s apex.
LevelSignificanceCurrent RSI Position44Key resistance/possible supportBelow (42.7)47Bullish confirmationNot yet reached50Further strengtheningNot yet reached52.85Strong bullish signalNot yet reachedOutlook tied to breakout as resistance levels hold firmWith both ChartNerd and EGRAG CRYPTO in agreement that XRP’s broader technical setup remains constructive, market participants appear focused on whether key resistance zones and momentum triggers can be reclaimed in the near future.
If these technical milestones are achieved, analysts believe XRP could challenge, and possibly surpass, its previous cycle highs established one year ago. For now, the market’s next significant move hinges on whether buyers or sellers prevail as XRP’s consolidation pattern approaches a resolution.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
XRP is trading near $1.08 on its monthly chart, but cryptocurrency analyst and investor Celal Kucuker has outlined a technical setup that suggests the token may target $6.02 in the next significant upward move. Kucuker’s analysis points to the formation of a structural pattern that could drive XRP to new all-time highs if key levels hold and regulatory developments align.
Long-term price pattern signals potentialAfter the digital asset peaked in early 2018, XRP entered a prolonged symmetrical triangle pattern on the monthly chart. This technical structure compressed the price between a descending upper boundary and a rising lower boundary for years, building up momentum for a potential breakout.
The eventual breakout from this triangle, which took place in late 2024, propelled XRP above $3 and ultimately to a record high of $3.65 in July 2025. Despite reaching this milestone, XRP was unable to sustain the gains and quickly retraced, marking the high as unstable on the chart.
Technically, Ripple’s first real all-time high target is just above $6. If the CLARITY Act passes, $XRP could benefit just as much as Ethereum, and that would make XRP one of the strongest bull market contenders. XRP is more institutional and more American than $ETH, according to Celal Kucuker.
Current trend and key support zoneFollowing the triangle breakout, XRP began trading within an ascending channel, with the lower boundary of the channel providing critical support near its present price level. Kucuker expects XRP to retest this support before potentially advancing toward the $6.02 target.
His chart marks major price points with labels such as Break of Structure and Change of Character, highlighting pivotal moments during market rallies. The most recent bullish signal was registered during the sharp upward movement in 2024. This channel now frames XRP’s current trading range, with the lower support zone considered crucial to maintaining the bullish outlook.
EventDateXRP PricePattern/LevelAll-time highJuly 2025$3.65Symmetrical triangle breakoutCurrent supportJuly 2026$1.08Ascending channel lower boundaryProjected targetNot specified$6.02All-time high targetThe potential regulatory catalyst: CLARITY ActAlongside technical factors, Kucuker identified regulatory developments as a possible tailwind for XRP. He drew particular attention to the CLARITY Act, a legislative proposal currently awaiting a Senate vote in 2026, indicating that its approval could allow XRP to benefit on par with Ethereum. He also noted that XRP has a distinct institutional profile and strong connections to the US financial system.
Mini dictionary: CLARITY Act, a proposed US legislative measure focused on defining regulatory guidelines for digital assets, aiming to provide legal clarity for cryptocurrencies and their classifications.
What to watch for XRP’s breakout scenarioThe durability of the ascending channel’s lower boundary is seen as pivotal for XRP’s trajectory. A firm hold at this support keeps Kucuker’s $6.02 price target in view and validates the bullish technical structure.
Years of sideways trading in the symmetrical triangle have given way to a defined channel, and chart signals such as confirmed structure breakouts continue to support the bullish case. Both technical and potential regulatory factors are converging on the same direction for XRP, contingent on ongoing support.
The breakout from the multi-year pattern placed XRP into a structure that now signals an attempt at new all-time highs. With current support near $1.08 and the possible boost from the CLARITY Act, this setup could prove critical for the cryptocurrency’s next move.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple [XRP] whales accumulated an additional 70 million tokens, AMBCrypto reported on July 16. Top traders on the biggest centralized exchange by trading volume, Binance, were overwhelmingly positioned long.
The long/short ratio was at 3.44, but the altcoin has not been able to breach the $1.20 local supply zone.
Clues from the XRP derivatives about the next price move Source: CryptoQuant Crypto analyst PelinayPA noted that the funding rates for XRP remained close to zero. Long and short liquidations were more or less equally balanced. Neither bulls nor bears have a decisive advantage in the market right now.
The neutral funding and evenly distributed liquidations suggested that a major squeeze was not expected anytime soon. Powerful squeezes of either long or short positions are usually driven by market participants crowding one side of the trade.
The analyst concluded that the market was balanced and indecisive. A catalyst, such as a Bitcoin [BTC] impulse price move, could help XRP set its next trend.
Source: CoinGlass The 3-month liquidation map showed that the cumulative short liquidation leverage was considerably higher. As noted earlier, the $1.20 supply zone is the biggest short-term obstacle to XRP bulls.
A $102.2 million cumulative leverage has built up to $1.202, CoinGlass data showed. By comparison, cumulative long leverage stood at $61.17 million, down to the $1.02 level.
This setup suggests XRP could be drawn toward overhead liquidity before any broader directional move develops.
XRP price prediction- Wait to sell Source: XRP/USDT on TradingView The 4-hour swing structure was bearish. A descending wedge pattern [green] was established, and a bullish breakout from this pattern has ensued. Yet, the $1.18-$1.23 resistance zone is likely to halt bullish efforts.
As things stand, XRP needs an H4 session close above $1.29 to flip this timeframe’s swing structure bullishly. Until then, the XRP price prediction would maintain a bearish bias. Traders can use a test of the $1.18-$1.23 area to sell.
Final Summary The derivatives data showed that a major XRP squeeze in either direction was not likely soon, based on the relatively even positioning among bulls and bears. The price chart showed a bearish structure in place, and a move toward the $1.20 supply zone would be for selling.
A prominent crypto analyst, known as Cheeky Crypto, has highlighted a marked shift in XRP’s market environment, citing data that points to significant withdrawals from centralized exchanges and increased accumulation by large holders, often referred to as whales. The analyst, recognized for his digital asset coverage and educational content, moved to an unscripted, walking commentary format to discuss what he considers to be early signals of a potential XRP supply squeeze.
XRP reserves decline sharply on major exchangesCheeky Crypto’s analysis centers on the decreasing supply of XRP available on leading cryptocurrency exchanges, combined with a year of lackluster price action. His data shows that Binance’s XRP reserves have fallen to roughly 2.21 billion tokens, a figure not seen since February, with withdrawals now surpassing new deposits.
He explained that this reserve figure mostly represents assets held by users rather than coins Binance actively sells as inventory. Nonetheless, the trend of users moving XRP off exchanges suggests a collective shift toward private storage.
The Bybit platform, another major trading venue for XRP, is reportedly displaying a similar pattern, with outflows exceeding inflows. Meanwhile, Coinbase has experienced the most notable shift. According to the analyst, XRP withdrawals on Coinbase are currently about 2.3 times faster than on other exchanges, following a substantial 90% decline in XRP reserves at the platform during late 2025.
Cheeky Crypto calculates that whale wallets have accumulated roughly $4.6 billion worth of XRP from exchanges over the past twelve months. This trend suggests that large holders are consolidating their positions in long-term, off-exchange storage.
Mini dictionary: Whale wallets refer to crypto accounts holding a large quantity of digital assets, often able to influence market prices through substantial trades or transfers.
ExchangeXRP Reserve TrendCurrent StatusBinanceDeclining2.21 billion XRP (lowest since February)BybitDecliningNet outflows exceed inflowsCoinbaseRapid declineWithdrawals 2.3x faster than peersDemand yet to follow as sentiment coolsThis tightening supply issue is unfolding during a difficult period for XRP holders. After climbing to approximately $3.66 in July 2025, XRP’s price retreated and has since moved sideways, hovering near the $1 mark. According to Cheeky Crypto, retail sentiment has cooled significantly, with many traders abandoning hopes for a sustained rally.
Retail investors are discouraged, capitulation is settling in, and the market is mostly trying to maintain support close to one dollar. Despite this, the mechanics enabling a potential supply squeeze have persisted since late 2024.
While supply on exchanges has thinned, the catalyst for a sharp price movement—a revival of institutional or retail demand—has not yet materialized. The analyst noted that the overall on-chain and exchange activity remains largely unchanged, even as underlying supply dynamics become more favorable to a possible supply shock scenario.
Should fresh demand emerge, Cheeky Crypto predicts that any initial price increase might face skepticism, potentially leading to short liquidations and a rapid upward move as short sellers are forced to buy back in. This could produce what he describes as a “flywheel effect,” where rising prices generate further buying interest and volatility.
He also pointed out that current data from key Asian exchanges, which serve as important trading hubs for XRP, was not available, meaning the complete picture may be broader than current figures suggest.
Despite the speculative potential, he cautioned that this market structure does not guarantee an imminent surge. For participants looking beyond short-term price swings, the persistent reduction in exchange-held XRP remains a signal to watch, particularly if accompanied by renewed market activity.
The trend of declining exchange reserves alone cannot trigger a rally without strong new demand. Investors should focus on broader market mechanics, watching for volume changes, withdrawals, and shifting sentiment as potential catalysts.
Storage strategies and risk awarenessCheeky Crypto also highlighted operational risk, advising users to diversify holdings across platforms and utilize cold storage to reduce the danger of losing funds in the event of exchange failures. He advocated for a redundancy strategy, distributing assets to minimize single-point vulnerabilities during volatile markets.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple Prime is strengthening its lead in institutional digital asset services as financial markets move toward what company leaders describe as “Wall Street 2.0.” The firm, a subsidiary of Ripple Labs, aims to advance the adoption of blockchain solutions for institutional finance amid persistent market volatility.
Institutional growth despite crypto winterDespite ongoing weakness in the broader cryptocurrency market, Ripple Prime is witnessing accelerating institutional demand for blockchain infrastructure. Michael Higgins, international chief executive of Ripple Prime, highlighted this dynamic in a recent interview.
Higgins said, “The current crypto winter is not a digital asset winter. Markets are moving toward 24/7 access and need always-on, blockchain-powered infrastructure to make this happen. That’s Wall Street 2.0, and Ripple Prime is leading the way.”
Markets, according to Michael Higgins, increasingly require continuous access and blockchain-powered infrastructure, marking a shift from traditional banking models to a new, 24/7 global financial system.
This shift supports growing institutional interest in multi-asset clearing and financing that includes foreign exchange (FX), digital assets, derivatives, swaps, and fixed income.
Key acquisitions and fundingRipple Prime’s growth accelerated after Ripple Labs completed its $1.25 billion acquisition of Hidden Road in October 2025. The acquisition provided Ripple Prime with wider access to Ripple’s substantial financial resources.
Ripple Prime also recently raised $200 million through a debt facility from Neuberger Specialty Finance, a lender focusing on tailored financial solutions for institutional borrowers. This facility expands Ripple Prime’s margin financing capacity, helping the company extend additional liquidity to its institutional clients at the intersection of traditional finance and digital asset markets.
The boost in capital has resulted in a year-over-year tripling of Ripple Prime’s revenues—an advance fueled by strong institutional demand.
DevelopmentDetailsAcquisitionRipple acquires Hidden Road for $1.25 billion (Oct 2025)Debt facility$200 million from Neuberger Specialty FinanceRevenue growthTripled year-over-yearBlockchain replacing legacy railsA key driver behind Ripple Prime’s expansion has been the transition from traditional banking infrastructure to blockchain-based payment systems. In conventional prime brokerage, institutions can only post collateral during typical banking hours, forcing them to maintain higher capital buffers over weekends and holidays.
Ripple Prime removes these limitations by providing 24/7 collateral management through RLUSD, a stablecoin backed by the U.S. dollar and governed by strict regulatory oversight.
Mini dictionary: RLUSD, Ripple’s regulated stablecoin pegged to the U.S. dollar, is designed to enable real-time settlement and continuous collateral management across traditional and digital asset markets.
Competition and technology advantageWhile major Wall Street banks are anticipated to enter the digital prime brokerage market when regulatory clarity improves, Higgins asserts that established financial players will need to address significant technology hurdles. He emphasized that leadership in market making for U.S. equities and foreign exchange has already shifted from banks to non-bank institutions.
Higgins noted that the largest market makers in U.S. equities and foreign exchange are no longer banks, reflecting a transformation in market structure and competitive dynamics.
Ripple Prime’s unified technology platform allows the company to streamline its onboarding process regardless of whether a client represents a digital asset marketplace, an FX liquidity provider, or a traditional equities exchange. This flexibility positions Ripple Prime to respond more rapidly than legacy financial service providers.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Veteran analyst Peter Brandt, recognized for his decades of experience in classical chart analysis, has shifted his focus to the altcoin markets, with particular attention on XRP. Brandt’s technical assessments are closely followed by both professional traders and retail investors in the cryptocurrency sector.
Brandt signals altcoin season driven by chart patternsBrandt publicly discussed his view on the current state of the market, highlighting opportunities he sees in major altcoins such as Ethereum (ETH) and XRP. He compared these assets to Bitcoin, closely monitoring their relative performance charts. According to Brandt, the charts present indications of a potential bottom for these altcoins when measured against Bitcoin’s strength.
He commented that, based on these signals, it is possible the market could enter an “altcoin season” that extends throughout the summer. Brandt’s remarks, amplified by crypto commentator Digital Asset Investor, have drawn notable attention from the broader trading community.
Brandt identified key signs in ETH/BTC and XRP/BTC charts that suggest fundamental setup conditions for an altcoin rally. He explained, “we could see an altcoin season that might last through the summer.”
Digital Asset Investor interpreted Brandt’s comments as supporting the possibility for XRP to appreciate by at least 30% to 40% in coming months. Brandt’s analysis is grounded in traditional technical patterns that historically precede outperformance by altcoins relative to Bitcoin.
XRP’s position and BTC pairing in focusXRP, the native token of the Ripple network, has remained prominent in the digital asset industry despite a prolonged period of regulatory scrutiny. With much of the uncertainty resolved, markets are once again focusing on XRP’s price outlook.
The XRP/BTC ratio is regarded by analysts as a critical indicator of shifting momentum between Bitcoin and altcoin sectors. Brandt’s deliberate attention to XRP’s price movement relative to Bitcoin adds an extra dimension to his outlook, emphasizing capital rotation within the cryptocurrency market.
Brandt offered a technical perspective based not solely on dollar value, but on XRP performance against Bitcoin, highlighting signals of a trend reversal. According to his assessment, this creates an environment where XRP may benefit substantially if altcoin season unfolds as expected.
Implications for traders and investorsBrandt’s reputation for impartial, chart-driven analysis lends weight to his recently shared perspective. While he has previously disagreed with portions of the XRP community, his latest evaluation highlights a potentially favorable setup for XRP and the broader altcoin market that cannot be ignored by market participants.
If Brandt’s forecast materializes, a sustained period of altcoin strength through the summer could offer significant opportunities for investors holding XRP and similar assets. He referenced chart conditions that historically precede strong upside moves, with expectations centered on a 30-40% rally for XRP if the trend continues.
Traders closely tracking the XRP/BTC chart are now monitoring for confirmation of Brandt’s signals as summer trading unfolds.
Mini dictionary: Peter Brandt is a veteran commodities and crypto market analyst known for his expertise in classical technical analysis. His published chart studies and market commentaries are highly regarded within both the legacy trading and digital asset communities.
AssetExpected MovePeriodXRP30-40% upsideSummer 2026ETHSimilar potential (implied)Summer 2026Disclaimer: 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 Labs has obtained a full Markets in Crypto-Assets (MiCA) license through Luxembourg, granting the company regulatory approval to operate crypto payment services across 30 countries in the European Economic Area. This single license provides Ripple with the ability to deliver regulated digital asset payments throughout participating European markets without needing separate authorizations in each jurisdiction.
MiCA framework enables passporting across EuropeUnder the European Union’s MiCA regulatory framework, licenses secured in one member state can be “passported” to other nations within the union. For Ripple, this Luxembourg-based license streamlines the company’s operations by providing blanket legal clarity, which experts say is vital for institutional adoption of crypto assets.
Dr. Kamilah Stevenson, a financial educator and crypto commentator, emphasized that Ripple’s approval goes beyond just local permission in Luxembourg. She stated that this regulatory clearance allows Ripple to provide crypto payment services across Europe, eliminating uncertainty that has long hindered institutional engagement.
Across Europe, Ripple now has both the regulatory clarity and operational green light required to expand its crypto payment products. This stands in contrast to ongoing regulatory uncertainty in the United States, where companies are still seeking clear legal definitions for digital assets.
Stevenson argued that for banks and large institutional players, compliance barriers often pose a bigger obstacle than technological limitations. She noted that MiCA licensing addresses this hurdle by providing a continent-wide solution.
Mini dictionary: MiCA (Markets in Crypto-Assets) is a regulatory framework adopted by the European Union to standardize rules for crypto assets and related service providers across member states. Passage of MiCA is considered a major step toward institutionalizing the crypto industry in Europe.
RegionRipple’s Regulatory StatusKey MilestoneEuropean Union (EEA)MiCA License GrantedFull passported approvalUnited StatesAwaiting Regulatory ClarityClarity Act delayedContrasts with U.S. regulatory uncertaintyStevenson drew attention to the legislative delays in Washington, where the Clarity Act—intended to bring statutory definition to digital assets—has missed another Senate deadline. She contrasted this with Europe’s progress, pointing out that American firms must still seek permission that Ripple has now secured in the EU.
She also differentiated between two timelines in crypto investing: the fast-moving “sentiment clock,” which tracks price volatility and headlines, and the slower “infrastructure clock,” guided by milestones like licensing, partnerships, and product integration. Stevenson stressed the importance of infrastructure progress, noting that regulatory achievements can shape long-term value even when short-term price action appears stagnant.
“A license does not get un-granted. A partnership does not get unsigned,” Stevenson remarked, highlighting the permanence of structural advances compared to fleeting market reactions.
The gap she identified between infrastructure improvements and fluctuating sentiment creates both opportunity and risk, especially for long-term holders of digital assets like XRP.
Tax efficiency and portfolio planning for crypto holdersBeyond regulatory developments, Stevenson advised investors to pay close attention to tax implications and exit strategies. She warned that taxes and poor account structures often erode gains for long-term holders more than market volatility.
Stevenson cited the advantages of tax-efficient vehicles such as Roth IRAs for sheltering digital asset gains, advising viewers to establish these arrangements ahead of any future cryptocurrency rally.
She cautioned investors to prepare their portfolio strategies in advance and avoid making emotional decisions when prices move sharply. In her view, having clear guardrails in place is essential for managing both market swings and tax exposure.
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.
Senator Mark Warner of Virginia has expressed mounting frustration over the stalled negotiations surrounding the CLARITY Act in the United States Senate, as debate over ethics rules and crypto oversight intensifies. Warner, who serves as a senior member of the Democratic caucus, made his position clear in a recent Senate Finance Committee hearing, emphasizing that while he wants the legislation to pass, it must be enacted correctly.
Warner’s stance on crypto regulationDuring a session on July 16, with Francis Brooke under consideration for Deputy Secretary of the Treasury, Warner addressed the ongoing debate about the CLARITY Act. He stated his exasperation with the prolonged negotiations, citing a desire for the U.S. to take a global lead in digital assets, but highlighted the need for caution due to significant potential risks if the legislation is poorly drafted.
Warner’s outlook reflects a broader concern among lawmakers about striking the right balance in crypto regulation. The Senator acknowledged that while he supports the advancement of digital asset innovation, there is too much at stake for rushed policymaking. As regulatory clarity remains elusive, many market participants and policymakers are watching his stance for signals on the bill’s prospects. This cautious approach is particularly important to investors who require real-time information and effective market tracking, driving demand for platforms like CryptoAppsy. CryptoAppsy integrates investment tracking with real-time pricing, detailed charting, and macroeconomic analytics, enabling users to monitor legislative developments, spot newly listed altcoins, and set price alerts tailored to their portfolios.
Warner remarked that he is “tired of being in crypto hell” and reiterated his commitment to ensuring America leads in digital assets, but only if the process is handled responsibly, as the consequences of mistakes could be “huge.”
His remarks underscore a willingness to negotiate but also a determination not to approve the law at any cost.
Importance of bipartisan support and ethics debateThe CLARITY Act requires at least 60 votes to pass the Senate. With Republicans in the majority, Democratic votes are crucial for the bill’s advancement. Warner’s support is viewed as pivotal, as it could influence fellow Democrats and reshape the negotiation landscape. However, most Democrats have withheld backing the bill, citing insufficient ethics provisions.
Democratic senators are calling for enforceable rules to prohibit the president, members of Congress, and their families from holding or financially benefiting from crypto assets while in office. The current draft of the bill reportedly does not address these demands, leading to a continued impasse as chances of passage this year have diminished.
Democratic leaders maintain that without stronger safeguards to prevent conflicts of interest among top officials, they cannot endorse the legislation in its current form.
Lawmakers are under increasing pressure to reach a compromise as the legislative window narrows.
Focus turns to Trump’s crypto holdingsThe ethics dispute is closely linked to disclosures about President Donald Trump’s digital asset income. According to recent filings from the Office of Government Ethics, Trump reported approximately $1.4 billion in crypto-related income in 2025. This revelation has intensified calls from Democrats for stricter ethics regulations within the CLARITY Act framework.
The White House has rejected Democratic conditions requiring more transparency and prohibitions on presidential crypto dealings. In response, Senator Elizabeth Warren set a deadline of July 23 for Trump to voluntarily disclose his digital asset earnings for the first half of 2026.
The lack of consensus has resulted in a legislative logjam that both parties acknowledge but have yet to resolve.
Deadline approaches as Senate recess nearsThe Senate recesses on August 11, leaving little time for lawmakers to move the bill forward. If the CLARITY Act does not pass before the recess, its prospects are expected to diminish significantly. Warner’s public comments indicate he remains open to supporting the bill, provided a deal on ethics can be reached in time. However, there is currently no agreement that satisfies both parties’ 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.
Dogecoin price hovered near $0.072 on Monday after posting a modest weekly gain.
The broader cryptocurrency market remained largely steady, with Bitcoin price holding above $64,000.
Ethereum price was over $1,870, whereas XRP remained under the significant mark of $1.10. Whale buying amounting to 200 million DOGE was a bullish activity. Open interest also increased 3.74% to reach 1.08 billion, reinforcing anticipations of a potential breakout.
Dogecoin Whales Add 200 Million DOGE Through Robinhood Dogecoin whales bought 200 million more DOGE via Robinhood, bringing new focus to the meme coin market.
Dogecoin whales purchased another 200 million $DOGE on Robinhood.
Valued at $14M. pic.twitter.com/KSrGfPWiGC
— dogegod (@_dogegod_) July 19, 2026
Large holders were busy again as the acquisition was worth close to $14 million. Whale accretion tends to draw traders as large-scale buying can affect sentiment and liquidity forecasts in the short term.
Derivatives Volume Jumps as Open Interest Reaches $1.08 Billion Derivatives data also indicated that there were more Dogecoin-linked contracts that were participated in the most recent session. The level of trading surged 114% to about $739.56 million, indicating a sudden rise in speculation.
Source: Coinglass data The open interest increased by 3.74% to $1.08 billion, which indicated that more capital was still held on active positions. Increased volume and open interest could favor volatility as traders anticipate a potential change in price.
Analyst Predicts Dogecoin Price Surge Toward $3.25 After Breakout A crypto analyst has identified a large double-bottom pattern on Dogecoin’s weekly price chart. The formation has two big lows and then rebounds towards a common neckline resistance point.
The analyst believes a breakout above the neckline would support the long-term bullish view of Dogecoin. The movement recorded in the chart implies that the market could have a price target of about $3.25 in an extended market run.
X The market conditions typically indicate a weakening of selling pressure when they occur following a long-run downward trend. Nevertheless, Dogecoin will have to overcome local resistance and stay on a solid purchasing momentum.
The estimated target is hypothetical until the price proves the pattern by a decisive breakout on a weekly basis. Broader crypto market conditions could also influence Dogecoin’s ability to continue higher.
Dogecoin Price Eyes $0.08 as Buying Pressure Strengthens The DOGE price traded at $0.07212 on Monday, declining 1.07% during the latest four-hour session. Dogecoin price stayed above the major support of $0.070 amid the persistent pressure at $0.075.
The MACD line was negative 0.00017, a little higher than the negative 0.00020 signal line. Its histogram became slightly positive at 0.00003, indicating that bearish momentum was losing strength.
Meanwhile, the Chaikin Money Flow increased to 0.28, which indicated stronger capital inflows. This reading implies that buyers were still piling DOGE in spite of little price action.
Source: DOGE/USDT 4-hour chat: Tradingview A breakout above $0.075 decisively could have a recovery to $0.080 as per the full Bitcoin forecast report. Further buying pressure may place the $0.085 resistance level within reach. But a failure at $0.070 would precipitate a return to selling at $0.068.
Bitcoin climbed beyond the $65,000 mark on Monday after Senator Cynthia Lummis announced the CLARITY Act had cleared committee and advanced to the full Senate floor, marking a key step toward U.S. crypto market structure legislation.
Notable Statistics Coinglass data shows 79,479 traders were liquidated in the past 24 hours for $245.39 million. SoSoValue data shows net inflows of $132.3 million from spot Bitcoin ETFs on Friday. Spot Ethereum ETFs saw net inflows of $36.7 million. In the past 24 hours, top gainers include Pump.fun, Virtuals Protocol and Pi. Notable DevelopmentsTrader NotesTrader KillaXBT noted Bitcoin is testing a key low-timeframe resistance after breaking above recent highs ahead of the new weekly open.
A rejection at current levels could signal a red week and reduce the chances of a move to sweep the $67,000 highs, making this area critical for maintaining bullish momentum.
Michael van de Poppe expects Bitcoin to rally toward the $80,000–$85,000 range over the next two to three months. He argued that the move would align with the 50-week moving average, which has historically acted as resistance during the first major rally after a bear market ends.
Trader and investor Virtual Bacon says the CLARITY Act’s House approval shifts the focus to a Senate floor vote before the August recess.
While its passage would be a major long-term catalyst for altcoins by enabling exchange products and new market narratives, they argue it won’t trigger an immediate rally, with Bitcoin needing to confirm the next bull market first.
Image: Shutterstock
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Bitcoin (BTC), Ethereum (ETH) and Ripple (XRP) are starting the week on a mild constructive note as the broader crypto market attempts to recover. BTC is approaching a key technical hurdle at $65,028, and ETH is holding above the important $1,800 support zone. Meanwhile, XRP continues to defend the $1.09 level, keeping its near-term recovery outlook intact. The price action of these top three cryptocurrencies shows that the resilience of these support zones suggests that buyers are still active despite recent market volatility.
Bitcoin could extend gains if it closes above 50-day EMABitcoin trades at $64,927 on Monday, recovering 1.45% over the previous week. Despite the mild rebound, BTC maintains a bearish bias, with price remaining below a dense band of Exponential Moving Averages (EMAs). BTC is capped by the 50-day EMA at $65,028, with the 100-day EMA at $68,141 and the 200-day EMA at $74,112 stacked higher, which collectively suggest that rallies are still occurring within a broader corrective phase.
The Relative Strength Index (RSI) around 54 hints at mildly positive momentum, while the Moving Average Convergence Divergence (MACD) remains in positive territory but has been losing altitude, reinforcing the idea of a constrained bounce rather than a sustained bullish reversal as long as these overhead EMAs are not reclaimed.
On the downside, immediate support is seen near $64,004, where buyers previously emerged, and a break below this floor would expose further weakness toward the key psychological level at $60,000.
On the topside, initial resistance is provided by the 50-day EMA at $65,028, followed by the 100-day EMA at $68,141, then the 200-day EMA at $74,112, before a more distant barrier near $84,410 comes into focus. Only a decisive daily close above the 50-day EMA would start to ease the immediate bearish pressure. At the same time, a sustained move through the 100-day and 200-day EMAs would be needed to restore a more constructive medium-term outlook.
Ethereum remains strong as it holds the 50-day EMAEthereum price trades at $1,882 on Monday after rebounding 3.62% in the previous week. ETH holds above the 50-day EMA at $1,818, hinting at a cautiously constructive bias, but it remains well below the 100-day and 200-day EMAs at $1,938 and $2,180, respectively, which continue to cap the broader recovery.
The RSI hovers near 60, while the MACD remains in positive territory, both suggesting bullish momentum is improving but still has to contend with overhead trend barriers.
On the topside, initial resistance emerges at the 100-day EMA around $1,938, ahead of the psychological horizontal barrier at $2,000 and the longer-term 200-day EMA near $2,180.
On the downside, immediate support is seen at the 50-day EMA around $1,818, with a deeper floor only appearing at the prior horizontal support zone near $1,385, where buyers would be expected to defend the broader medium-term base.
XRP support remains strongXRP trades at $1.10 on Monday, with a mild recovery in the previous week. XRP holds well below the 50-day, 100-day and 200-day EMAs at $1.14, $1.23 and $1.44 respectively, which keeps the broader tone bearish despite the recent stabilization off the lows.
The RSI sits just below the 50 line. At the same time, the MACD is marginally positive, hinting at waning downside momentum rather than a decisive bullish shift, with price remaining capped beneath these EMAs.
On the topside, immediate resistance is seen at the 50-day EMA near $1.14, followed by the 100-day EMA at $1.23 and the horizontal barrier at $1.30; beyond that, the 200-day EMA at $1.44 and the higher horizontal level at $1.90 define a more distant supply zone.
On the downside, initial support aligns with the upper boundary of the prevailing downward channel at around $1.00, where a break would expose further weakness and reinforce the broader bearish structure.
(The technical analysis of this story was written with the help of an AI tool. Know more.)
Cryptocurrency prices FAQs Token launches influence demand and adoption among market participants. Listings on crypto exchanges deepen the liquidity for an asset and add new participants to an asset’s network. This is typically bullish for a digital asset.
A hack is an event in which an attacker captures a large volume of the asset from a DeFi bridge or hot wallet of an exchange or any other crypto platform via exploits, bugs or other methods. The exploiter then transfers these tokens out of the exchange platforms to ultimately sell or swap the assets for other cryptocurrencies or stablecoins. Such events often involve an en masse panic triggering a sell-off in the affected assets.
Macroeconomic events like the US Federal Reserve’s decision on interest rates influence crypto assets mainly through the direct impact they have on the US Dollar. An increase in interest rate typically negatively influences Bitcoin and altcoin prices, and vice versa. If the US Dollar index declines, risk assets and associated leverage for trading gets cheaper, in turn driving crypto prices higher.
Halvings are typically considered bullish events as they slash the block reward in half for miners, constricting the supply of the asset. At consistent demand if the supply reduces, the asset’s price climbs.
