U.S. spot XRP exchange-traded funds (ETFs) returned to positive territory on July 2 after a brief pullback, with Bitwise XRP ETF leading the day’s inflows.
Data from SoSoValue confirmed that July has started with net positive flows. Although inflows have slowed from the record levels seen late last year, institutional interest remains steady.
Bitwise Leads Daily XRP ETF Inflows Specifically, U.S. spot XRP ETFs recorded $6.55 million in net inflows on July 2. Bitwise’s XRP ETF was the only fund to attract fresh capital during the session, bringing in the full $6.55 million. Its cumulative historical inflows have now reached approximately $501 million.
The latest inflow lifted total assets across all U.S. spot XRP ETFs to $988 million. Meanwhile, cumulative net inflows across all issuers also rose to $1.487 billion. The rebound came just one day after the market posted modest outflows.
Franklin’s Gains Couldn’t Offset Bitwise Redemptions On July 1, U.S. spot XRP ETFs recorded $1.86 million in net outflows. Franklin’s XRP ETF (XRPZ) attracted $2.88 million in fresh capital. However, Bitwise’s XRP ETF saw $4.75 million in redemptions, pushing the overall market into negative territory.
Following that session, total XRP ETF assets stood at approximately $961 million. Historical cumulative net inflows reached $1.480 billion.
The return to positive inflows the next day suggests institutional demand remains resilient despite short-term fluctuations.
Monthly XRP ETF Inflows Remain Positive SoSoValue’s monthly data shows XRP ETF inflows have slowed compared with the strong finish to 2025. Even so, funds have continued to attract net positive capital in most months.
Monthly net flows:
November 2025: +$666.61 million December 2025: +$499.91 million January 2026: +$15.59 million February 2026: +$58.09 million March 2026: -$31.16 million (the only monthly net outflow so far) April 2026: +$81.59 million May 2026: +$131.94 million June 2026: +$59.46 million July 2026 (month-to-date): +$4.68 million July has started on a positive note after June’s $59.46 million in net inflows. However, current monthly totals remain well below the record buying seen during the ETFs’ first months.
Even with slower inflows, cumulative net investment has continued to rise. That points to sustained institutional participation.
XRP ETF Monthly Inflow Data | SoSoValue Institutional Demand Persists Despite Derivatives Slowdown The ETF data comes as XRP derivatives markets have cooled. Open interest has dropped sharply from around $1.3 billion to below $150 million. The decline signals a significant reduction in leveraged trading activity.
At the same time, on-chain activity has strengthened. Daily active XRP addresses are up roughly 72% from mid-June, suggesting network usage continues to improve even as speculative trading eases.
Institutional demand has also remained steady. Before the latest July inflows, U.S. spot XRP ETFs attracted $15.34 million on June 29. The trend suggests long-term investors continue adding XRP exposure through regulated investment products despite weaker derivatives activity.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
XRP is climbing while the open interest declines. This suggests that short-covering is driving the move.
XRP seems to be showing one of the more interesting derivatives setups amongst the large-cap altcoins at the moment. On the surface, the price is climbing slowly, while the open interest is falling.
Normally, this would suggest that traders are stepping away from the market. But when this happens alongside a rising net position delta, it might be time to pay attention.
XRP is Rising, Here’s the Bullish Signal to Watch For The current uptrend from the past few days seems to be driven more by the closing of short positions rather than by aggressive new buying, according to an analyst. Put in simple terms, bearish traders seem to be exiting the market, and that short-covering pressure is helping push XRP’s price higher.
This can definitely support a steady move upward, but it is far from being enough for a sustained rally. A true acceleration usually tends to happen when new buyers begin entering the market with conviction.
This is why open interest matters a lot. A decreasing open interest suggests that leverage is being reduced – not added – which is typically a sign of waning conviction.
The daily outlook also supports a cautious bullish bias. XRP closed bullish during yesterday’s trading session, but it still needs to hold it to avoid slipping back into weaker territory. This is why a move toward the resistance at $1.13 remains very important, while stronger momentum could help push it even higher.
Shorts Getting Squeezed That said, the real trigger that traders should watch is the simultaneous increase in both open interest and net position delta. This would suggest that the market is shifting from a state where the increase is driven by closing short positions to one where longs are opening.
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Intraday, the cryptocurrency remains relatively volatile and stuck in a range. If it manages to push above and hold $1.18, this could offer an opportunity for buyers to return with force.
For now, the signal remains rather clear. The bears appear to be loosening their grip, but the bulls have not yet stepped in convincingly.
Ripple (XRP) price is up by 3.37% today, July 4, to trade at $1.13 at the time of writing. These gains come after an investment made by Ripple co-founder Chris Larsen into the American Perpetuals Exchange Corporation (APEC), founded by Senator Kirsten Gillibrand’s son, comes back into the spotlight
Ripple’s Chris Larsen Invests in APEC Exchange A previous report by CoinGape noted that Ripple’s co-founder has made an investment in the APEC exchange. However, he has not disclosed the amount of investment that he made.
Larsen’s investment is drawing attention because the founder of the APEC exchange, known as Theodore Gillibrand, is the son of Senator Kirsten Gillibrand.
Senator Gillibrand recently said that Senators need to ensure that CLARITY Act passes with strong ethics rules to prevent President Trump from profiting off of crypto again after Trump made $1.4 billion in profits from the crypto market in 2025.
According to former FOX Business reporter Eleanor Terrett, Gillibrand is now facing scrutiny for pushing to have ethics rules while her son is launching a derivatives exchange that might create a conflict of interest.
Ethics concerns have been one of the reasons that have made the odds of the CLARITY Act passing in 2026 to drop to 40% on Kalshi.
XRP Price Outlook as Bullish Pattern Emerges The price of XRP has created a bullish double-bottom pattern after the price moved from the support level of $1.02 on June 30 to $1.13 today, July 4.
This bottom pattern has a depth of 25%, and that is how high the price of XRP could rise if it moves above the June 15 high of $1.29.
The AO bars that are green and shrinking in length suggest that bears are losing their grip. This could create room for buyers to come back, who could push XRP price to $1.29.
XRP price has also moved above the middle Bollinger band of $1.22. It now needs to confirm two more daily closes above $1.22 to confirm that bulls have a good grip.
XRP Price Chart However, if the price moves below the middle Bollinger band of $1.22, XRP might drop to the lower band of $0.99.
Futures Data Shows an Ongoing Short Squeeze as ETF Inflows Return Data from Coinglass shows that $7 million in XRP short positions were closed between July 2 and July 4, and the resulting buying pressure saw the price of XRP move from $1.04 to $1.13.
However, the long/short ratio that is at 0.91 per Coinglass data suggests that there are still more short positions than long positions.
XRP Derivatives Data If more short sellers face liquidation, the price of XRP could reach $1.29 like the double pattern suggests.
The $6.55 million in inflows to spot XRP ETFs also supports a bullish long-term XRP price outlook after inflows reached $6.55 million on July 2 after two straight days of outflows.
TLDR XRP gained approximately 3% to reach an intraday peak of $1.11 on July 3 following a rebound from $1.02 recorded on July 1 The Supertrend indicator generated its first buy signal since mid-June, with the previous signal leading to a 14% price surge Exchange-traded fund inflows for XRP restarted Thursday with approximately $7 million following a two-day withdrawal period Ripple initiated payment operations across Europe utilizing MiCA’s provisional CASP authorization structure Critical resistance levels positioned between $1.11–$1.15, while Supertrend support established around $1.05 XRP has successfully reclaimed the $1.10 threshold following a challenging beginning to July. The digital asset reached an intraday peak of $1.11 on July 3, representing approximately 3% growth from the $1.02 bottom established just 48 hours earlier.
XRP price The upward movement coincides with multiple favorable catalysts converging simultaneously — revived institutional buying through ETFs, an encouraging technical development, and additional enthusiasm from Ripple’s geographic expansion efforts.
Crypto analyst Ali Martinez shared on X on July 3 that the Supertrend technical tool had generated a buy signal for XRP for the first time since mid-June. His observation stated: “The last buy signal preceded a 14% rally.” Martinez additionally highlighted that this same indicator accurately forecasted the previous 19% and 16% downturns, lending weight to the current signal’s reliability.
XRP: BUY SIGNAL
The SuperTrend indicator has just flashed a buy signal on $XRP for the first time since mid-June.
The last buy signal preceded a 14% rally.
It has also done an excellent job identifying trend reversals, catching the last two major declines of 19% and 16%. pic.twitter.com/tftPM7EaLC
— Ali Charts (@alicharts) July 2, 2026
Institutional investment flows through ETFs have resumed following a temporary interruption. Following two back-to-back days of capital withdrawals, United States-based XRP exchange-traded funds recorded nearly $7 million in fresh inflows on Thursday. Aggregate inflows have reached $1.49 billion, advancing from $1.43 billion registered on June 1. Combined assets under management average $988 million.
Source: SoSoValue Ripple’s entry into European territories contributed additional optimism to market sentiment. Ripple Payments initiated operations under provisional Crypto-Asset Service Provider authorization through the European Union’s Markets in Crypto-Assets (MiCA) regulatory framework. This development arrived as certain competing platforms reduced their European service offerings to satisfy MiCA compliance standards.
Market participants predominantly dismissed worries regarding Ripple’s monthly release of 1 billion XRP from escrow, acknowledging that historically the majority of unlocked tokens are returned to escrow rather than distributed into circulation.
Technical Picture Points Higher Examining the daily chart reveals XRP has breached above a downward-sloping trendline that had contained every upward movement since late May. This breakout has recaptured the $1.10 threshold and directed attention toward the $1.12 resistance area.
Source: TradingView The MACD indicator displays a bullish intersection with widening positive histogram readings. The RSI registers in the mid-60s range — demonstrating strength while remaining below overbought territory.
XRP currently trades above both its 50-day EMA positioned at $1.07 and 100-day EMA located at $1.09. The upper Bollinger Band approaching $1.11 represents the immediate resistance barrier, while the 200-day EMA stands at $1.14.
Short Squeeze Potential Builds CoinGlass liquidation information reveals a concentrated grouping of short positions positioned directly above the current trading range, between $1.11 and $1.12. XRP has already started penetrating this zone.
An additional concentration of leveraged short positions exists near $1.14. Should purchasing momentum persist, mandatory short liquidations could propel prices higher toward that threshold.
Futures Open Interest registers at 2.2 billion XRP on Friday, modestly elevated from 2.18 billion recorded the previous day, remaining beneath the June maximum of 2.28 billion XRP.
Blockchain data from Santiment indicates XRP’s average trading returns have declined to their lowest level in approximately 12 years, positioning numerous holders in unrealized loss territory.
Ripple's CTO Emeritus, David Schwartz, has joined in on a fresh debate about crypto network fees after an old XRP discussion resurfaced, sparking reactions across the XRP community.
The debate was triggered by a fresh post from the same X user who issued the 2024 XRP commentary that referenced a Forbes article discussing Ripple's and XRP's early vision to offer low-cost payment solutions.
David discusses crypto network feesThe post, which looked back at Ripple's growth journey, pointed at how early blockchain leaders Jed McCaleb, Arthur Britto, and David Schwartz envisioned XRP as part of a new financial system focused on speed and low transaction costs.
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Moreover, it questioned whether XRP had delivered enough real-world value, arguing that its market value looked high compared with network fees and activity.
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While the post had also discussed crypto network fees while briefly criticizing XRP's utility, it reignited the common debate about whether expensive networks are stronger because users are willing to pay more to use them.
This triggered reactions from Ripple's CTO Emeritus, who argued that the idea that higher network fees are somehow better for the health of the crypto ecosystem is "truly bizarre".
XRP's utility questionedAlthough the post did not directly criticize XRP, it indirectly criticized XRP's utility, questioning whether XRP is generating enough utility and value.
Also, the Forbes article appears to have been warmly received by critics pushing the narrative that higher activity often generates higher fees.
While low fees are part of XRP's original design philosophy, the post tends to negatively influence how XRP is viewed, marking it as a weakness for the asset.
Schwartz has asserted that XRP's low network fees should be regarded as a strength, not a weakness, and that high fees should not be treated as a sign of a healthier ecosystem.
Nine Consecutive Weeks of Net InflowsUS spot $XRP ETFs have logged another week of positive flows, absorbing $17.19M in net inflows over the period according to SoSoValue data cited by @BSCNews. The result extends the streak to nine consecutive weeks of net inflows, a run that has played out even as the broader token price has faced headwinds.
Notably, the weekly total held up despite two individual days of net outflows within the same period, pointing to resilient baseline demand from investors using the ETF wrapper to gain exposure to $XRP.
Context: A Persistent Inflow Trend XRP spot ETFs have drawn net inflows for several straight weeks, pushing the cumulative total past $1.47 billion since their November 2025 launch. The products launched to strong early demand, and the inflow run has continued even through periods of price weakness for the underlying token.
Spot XRP ETFs absorbed net inflows for consecutive weeks while the token fell, which is the opposite of the reflexive "price up, flows up" loop that usually drives these products. Consecutive weekly inflows during a price drawdown point to accumulation rather than momentum chasing, since allocators are adding on weakness instead of buying strength.
The five US-listed spot XRP ETFs have seen Franklin Templeton's XRPZ, Bitwise's XRP, and Grayscale's GXRP among the leading contributors to inflows in recent weeks, according to SoSoValue data. Retail investors account for 84% of XRP ETF inflows, while larger institutional capital remains a key variable to watch.
The latest weekly figure of $17.19M is modest relative to the peak weeks earlier in 2026. XRP ETFs posted a 2026 weekly record of $60.5 million in inflows during the week ending May 15, even as Bitcoin and Ethereum saw significant outflows in the same period. The current pace is more measured, but the unbroken streak of positive weekly flows remains the headline for the asset class.
Sources:
XRP's ETF Inflow Streak: 24/7 Wall St.
Spot XRP ETFs Attract Biggest Inflows Since January: CoinDesk
Will XRP Break Its Downtrend in July 2026: Phemex
XRP has rebounded above the $1.10 threshold following a sluggish start to July. The cryptocurrency climbed from its intraday low of $1.02 on July 1 to reach as high as $1.11 during trading on July 3, logging an approximate 3% gain over two days.
Technical signals and institutional flows drive momentumSeveral factors fueled this upward movement in XRP. Renewed institutional demand through ETFs, optimistic technical indicators, and Ripple’s launch of payment operations in Europe combined to strengthen market sentiment.
Crypto analyst Ali Martinez highlighted on July 3 that the Supertrend indicator flashed a buy signal for XRP for the first time since mid-June. He noted that the previous buy signal from this tool preceded a 14% rally, and the Supertrend indicator had accurately signaled the last two major corrections of 19% and 16%, respectively.
Ali Martinez stated that the Supertrend indicator on XRP gave its first buy signal since mid-June, and the last such signal came before a 14% increase.
The Supertrend is a technical analysis tool that tracks price trends and potential reversals. It produces buy or sell zones based on whether the price crosses above or below a defined volatility band.
Mini glossary: The Supertrend is an indicator used to monitor price direction and potential trend breaks. It typically operates with an ATR-based calculation and highlights support and resistance levels during periods of heightened volatility.
After two days of outflows, US-based XRP ETFs recorded a net inflow of roughly $7 million on Thursday. Total ETF inflows have risen from $1.43 billion on June 1 to $1.49 billion, with average assets under management currently standing at $988 million.
IndicatorLevelJuly 3 intraday high$1.11July 1 low$1.02Thursday ETF inflowApprox. $7 millionTotal ETF inflows$1.49 billionRipple’s European move and key price levelsRipple has launched its Ripple Payments operations across Europe after receiving a temporary Crypto Asset Service Provider authorization under the European Union’s MiCA regulatory framework. Known for its cross-border payments infrastructure, Ripple expanded in a period when some competitors contracted services in response to MiCA compliance demands.
With the temporary MiCA authorization, Ripple began payment operations in Europe, further boosting optimism in the market.
Concerns surrounding Ripple’s scheduled unlocking of 1 billion XRP each month remained limited. Most investors have noted that the majority of these released tokens are typically returned to escrow accounts, reducing the risk to the broader market.
On the daily chart, XRP managed to break above the downward trendline that had capped gains since late May. The $1.10 level has been reclaimed, with $1.12 now serving as a nearby resistance. MACD is showing a bullish crossover, while RSI sits in the mid-60s, signaling that XRP has not yet entered overbought territory.
Short position pressure in the spotlightXRP is trading above both its 50-day exponential moving average ($1.07) and 100-day EMA ($1.09). The upper Bollinger band approaching $1.11 highlights the primary resistance area, while the 200-day EMA hovers at $1.14.
Data from CoinGlass shows a significant accumulation of short positions between $1.11 and $1.12, with additional short clustering around $1.14. If buying momentum persists, forced short covering could propel XRP’s price toward these levels.
In futures markets, open interest measured 2.2 billion XRP on Friday, slightly above the 2.18 billion seen the day before but still below the June peak of 2.28 billion XRP. According to Santiment data, average realized returns in XRP are now at their lowest point in roughly 12 years, indicating that a substantial number of investors are holding paper losses.
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 crypto industry has been debating the prospect of quantum computing for months now. This debate intensified as XRP Ledger engineer J. Ayo Akinyele said that quantum computing could start to pose a serious threat to blockchain security before many realize.
XRP Ledger Engineer On Quantum Risks Against Crypto In a recent interview with CoinGape’s CEO Sunil Sharma on the Voice of Web3 podcast, Akinyele revealed that he had to adjust the quantum computing timeline to account for recent advancements in AI.
“The thing that has changed my perspective on that is the introduction of AI to help with building quantum computing hardware that is reliable. Nvidia released their open source models in this direction that I think really didn’t get a lot of attention. But, I think in the coming months and years, we’ll see the fruits of the investment that they’re making on that side. That may speed up that possibility,” he said.
The XRP Ledger engineer’s remarks follow the signing of two executive orders by U.S. President Donald Trump. The orders call for Federal agencies to speed up the nation’s ability to develop quantum computers. It also aims to enhance cybersecurity protections against future attacks from quantum computers.
It is believed that certain computational tasks will be much faster on quantum computers, compared to the conventional ones. Although still in development, the technology could, in the future, degrade the cryptographic algorithms used to secure internet infrastructure, such as blockchain networks, digital wallets, and more.
Also, the field is advancing rapidly, says Akinyele, because of enhancements in the research of software, making earlier estimates less definitive.
“With the research that’s ongoing, I think my timeline has shifted from 2035 or 2030 to, you know, it could be 2029. It could be 2028,” the XRP Ledger engineer noted.
He believes it hinges on how the research progresses. It’s just really dependent on the progress that’s being made on the research side. I’m more on the pessimistic side that we may see this happening sooner than we’d like,” Akinyele noted.
A Look Into The AI Factor Although many researchers believe that the road to the practical quantum computer is still years away, Akinyele pointed out that AI might speed up the process even more.
“I’m just a little more pessimistic in the sense that I’m betting that there may be more progress because of AI than we would like that could change how quickly this can happen. Because of that assumption, I would prefer to be proactive in dealing with the threat rather than wait to find out,” the XRP Ledger engineer added.
His comments come as part of a crypto stakeholders demanding that the digital asset industry adapt to the future when it comes to quantum computing threats. These include repeated warnings from Capriole Investments founder Charles Edwards, who has urged Bitcoin developers to prepare for future quantum risks.
The Capriole founder remarked, “Quantum Computing is probably the most undervalued asset class in the world by orders of magnitude.”
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David Schwartz, Ripple’s longtime CTO now serving as CTO Emeritus, has stepped into a revived debate burning through the XRP community about the network’s transaction fees. Sparked by the resurfacing of an old assessment of XRP, the discussion is now focused on whether low transaction costs are an advantage or a potential weakness for a cryptocurrency ecosystem.
The classic XRP fee debate reignitedThe controversy traces back to a comment about XRP posted earlier in 2024. That post referenced a Forbes article analyzing Ripple’s early vision and foundational goals for XRP. The article reminded followers that XRP was created as part of a broader ambition to deliver fast, low-cost payment solutions for the modern financial system.
The discussion further highlighted Ripple’s growth story. Early developers Jed McCaleb, Arthur Britto, and David Schwartz were credited with building XRP around a core philosophy of speed and minimal transaction costs. Yet the same commentary questioned whether, even with these features, XRP’s real-world market value was matched by tangible utility and network activity.
XRP’s low transaction fees should be seen not as a weakness but as a clear strength. It’s genuinely strange to view high fees as a sign of a healthier ecosystem.
Schwartz stands up for low fee philosophySchwartz took a direct stand against the popular argument that costly blockchain fees signal a stronger crypto network. Having served as Ripple’s technical lead for years, Schwartz emphasized that low fees are a foundational part of XRP’s design philosophy—and this should be seen as a positive feature, not a drawback.
This position brings to the surface a recurring divide within crypto circles. Some commentators believe that networks where users are willing to pay higher fees are a sign of higher demand and, by extension, a healthier ecosystem. On the other hand, advocates of low-cost networks argue that affordable transactions enable greater adoption and usability, positioning the chain as more effective for daily use.
Ripple, widely recognized for cross-border payment infrastructure and institutional finance solutions, developed XRP with a clear focus on rapid settlement and minimal transaction costs. The current debate zeroes in on whether this design decision is viewed by markets as a benefit or a detriment—and how that perception shapes value.
Is utility or value at the center of criticism?While the revived post didn’t attack XRP directly, it opened the door to questions about the relationship between practical use cases and the token’s market capitalization. In particular, the fact that XRP’s network activities and fee revenues remain relatively low has led some in the industry to question whether the asset delivers genuine utility.
Countering this, Schwartz argued that high fees alone cannot meaningfully indicate either network strength or quality. In his view, a blockchain that is efficient, fast, and affordable provides a much sturdier foundation for serving users’ needs.
The presence of higher fees simply because network activity increases does not mean those fees are inherently a positive outcome.
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 has made its way into Australia’s financial parliamentary record. In the Australian Parliament’s Register of Members’ Interests, Labor MP Sally Sitou indicated her only cryptocurrency holding is XRP with local exchange CoinSpot.
Australian MP Lists XRP The filing identifies the digital currency as “Cryptocurrency (Ripple).” No Bitcoin and no Ether. Only XRP, included in the financial records of one of the world’s 15 largest economies.
The filing also shows that Sitou has physical gold through ABC Bullion and holds a wide-ranging portfolio of Australian and U.S. equities like the Commonwealth Bank, BHP, Meta Platforms and Costco. XRP is currently the sole listed digital asset.
Australian MP XRP Filing This disclosure sits inside a broader shift in how Australia treats crypto. The country’s Digital Assets Framework Bill Passed Parliament in April 2026, requiring exchanges and tokenized custody providers to obtain an Australian Financial Services License. Ripple is already pursuing that license, an early sign of its intent to entrench itself in the country’s regulated market.
Australia’s approach to regulation has changed significantly. In under a year, the nation moved from years of legislative silence to a well-organized licensing system for crypto firms.
The shift provides Ripple, the company behind XRP, an obligation as well as an opportunity. The moved has drawn wide attention on X, citing a continuation in adoption.
🚨🇦🇺 AUSTRALIA MAKES XRP OFFICIAL 🇦🇺🚨
Australia has officially disclosed XRP holdings in a Member of Parliament’s Register of Interests.
XRP is now publicly listed as part of a lawmaker’s financial assets in one of the world’s largest economies.
Adoption continues. 👀 pic.twitter.com/gJmALhkHYE
— John Squire 🇺🇸 (@TheCryptoSquire) July 4, 2026
White House Official’s XRP Filing & XRP’s Track Record Sitou’s revelation was not the only one capturing attention. Ian Kelley, who serves as the War Room Director at the White House and is also a Special Assistant to the President, reported XRP in a public financial filing after his appointment in January 2025.
His filing places the holding in a Coinbase wallet, valued between $1,001 and $15,000. Unlike Sitou, Kelley holds a broader crypto portfolio, Bitcoin, Ethereum, Solana, Chainlink, and Cardano all appear alongside XRP.
Each asset in Kelley’s portfolio falls within the same $1,001 to $15,000 disclosure range. Neither filing reveals the exact number of tokens held. But both put XRP on the record in two separate governments on two separate continents.
Political financial disclosures carry weight. They are sworn documents. When a lawmaker or White House official lists an asset, it signals more than personal preference, it normalizes that asset within the official financial order.
For XRP, appearing in two such filings in a single week adds to a growing pattern of political legitimacy. The company’s pursuit of an Australian Financial Services License shows it is tracking the regulatory door as it opens.
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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.
Attorney and XRP enthusiast Bill Morgan reveals what he thinks is XRP's biggest strength: its escrow.
Morgan says users only need to understand its escrow to know why XRP will continue to be a successful asset, with all other amendments and capabilities just adding more value. He added that the escrow set up by Ripple on the XRP Ledger is a great example of how it was used to stabilize the price and reassure the market that Ripple would act responsibly in distributing its vast holdings of XRP.
According to XRPScan, 32,444,984,760 XRP is currently in escrow, with 67,526,296,210 XRP now in circulating supply.
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In a separate post, Morgan highlighted the decline in XRP escrow as Ripple continues its 1 billion token unlock every month. He noted that about a year ago, the amount of XRP in escrow was just under 36%.
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Currently, it is below 32.5% (out of a total of 99,985,640,485 XRP available), which is not surprising given that Ripple does not re-lock about 300 million XRP per month. Morgan predicts that if this trend continues, there will be less than 29% in escrow by next July.
In a recent milestone, nearly a million agent transactions have settled through the XRP Ledger x402 facilitator.
40% to go for XRP Ledger fix upgradeThe fixCleanup3_2_0 amendment, which bundles bug fixes affecting Single Asset Vaults, the Lending Protocol, the permissioned DEX, Multi-Purpose Tokens, and permissioned domains, is currently in voting and has reached 40% consensus according to recent XRPScan data. This means that it still needs another 40% to attain the 80% threshold and achieve the majority required to enter the activation period.
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Version 3.2.0 of xrpld, a cleanup and maintenance release, introduces the fixCleanup3_2_0 amendment, which is a collection of fixes for various features.
The fixCleanup3_2_0 amendment adds precision and rounding fixes for Single Asset Vaults and the Lending Protocol. It fixes the 'ValidPermissionedDEX' invariant firing on a valid offer deletion, validates non-canonical Multi-Purpose Token amounts, and adds a zero DomainID check for permissioned domains. The amendment also adds the invariant 'AccountRootsDeletedClean,' which checks that a deleted account does not leave any directly accessible artifacts behind.
Here's what the company announced on the 250th birthday of the US.
As the world’s most powerful economy and the widely regarded leader of the free world celebrates its 250th Independence Day, various initiatives are emerging to contribute in some way, including one from Ripple.
The company behind the popular XRP altcoin announced that it has joined a nonprofit helping unemployed veterans to get high-quality jobs after their military service.
The organization, called Call of Duty Endowment, said it has already funded over 165,000 veterans, but explained that there’s still a high unemployment rate among the younger generation, which means that there’s “still more work to do.”
It wants to find jobs for 200,000 veterans by 2030, and Ripple has joined the special initiative for the 250th birthday of the US, called Giving4th.
The idea is to make Independence Day a national day of charitable giving. The company said it will match donations made to the Call of Duty Endowment of up to $10,000.
People who want to participate can use cash, stock, or cryptocurrencies, including Ripple’s two native tokens, XRP and RLUSD.
Ripple is joining #Giving4th — @America250‘s new movement to make Independence Day a national day of charitable giving.
We’re matching donations to @CODE4Vets up to $10K. CODE funds the most effective organizations helping veterans get back to work, preparing them for the job…
— Ripple (@Ripple) July 4, 2026
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About the author
Jordan got into crypto in 2016 by trading and investing. He began writing about blockchain technology in 2017 and now serves as CryptoPotato's Assistant Editor-in-Chief. He has managed numerous crypto-related projects and is passionate about all things blockchain.
Not many assets can post an 8% rally while a record share of holders sit deep in the red. That was the picture for XRP on Saturday, as a bounce pushed the token higher even as on-chain data showed losses had stretched to extremes never before recorded. According to the original report, the 30-day and 365-day Market Value to Realized Value (MVRV) ratios for XRP hovered near -45% and -47%, thresholds that analytics firm Santiment noted the token had never breached. For a portion of the market, those levels looked less like a warning and more like an invitation.
The Signal That Caught Traders’ Attention MVRV is a fixture in the on-chain analyst’s toolkit. It compares an asset’s market capitalization to its realized capitalization, effectively measuring whether the average holder is in profit or loss at current prices. Deeply negative readings mean that a broad swath of the market is underwater, and historically, extremes in either direction have carried meaning. Sky-high MVRV can signal overheating; deeply negative MVRV can reflect exhaustion and a potential floor. What made the latest XRP print stand out was its unprecedented scale. A 365-day MVRV near -47% is not simply a dip into the red. It is a signal that the average buyer over the past year is sitting on losses far in excess of what previous cycles produced, even during the token’s most punishing drawdowns.
Traders who lean on contrarian models often treat such stretches as a cue that risk-reward has tilted in favor of buyers. The logic is straightforward: if the bulk of the market is already at a severe loss, incremental selling pressure may fade, leaving room for a short-squeeze-like bounce even without a fundamental catalyst. That dynamic appeared to play out as XRP’s 8% climb outpaced many altcoins in a quiet weekend session.
Why This Time Could Be Different—or Not Relying on a single metric, no matter how historically powerful, carries obvious risk. XRP’s market structure includes an overhang that pure on-chain data does not capture. The token’s multi-year entanglement with U.S. securities regulators, intermittent exchange delistings in certain jurisdictions, and a retail base that can be quick to rotate out have all meant that oversold readings do not always resolve into sustained uptrends. Liquidity remains thin compared to top-tier layer‑1 assets, so moves can fizzle just as fast as they ignite. The record MVRV lows tell us where the pain sits, but not when—or whether—it will lift.
What the data does make clear is that previous XRP dips stopped before reaching this degree of holder loss. Whether that becomes a floor or a new baseline depends on broader risk appetite and the flow of speculative capital back into altcoins. For now, buyers who stepped in are betting that the most stretched downside in the token’s history leaves more room for price to recover than to fall.
On-Chain Data Gains Weight in Altcoin Trading The XRP move fits into a wider shift. Traders who once relied mostly on price charts and exchange order books now routinely pull MVRV, dormant supply, and wallet cohort data into their decision-making. Santiment’s work on XRP is part of a trend where on-chain signals increasingly drive short-term positioning, especially in large-cap altcoins where holder behavior can be tracked with reasonable accuracy. XRP’s 8% jump placed it among the notable altcoin movers this week, a list that also included TON and SIREN according to recent gainers data.
Whether the bounce sticks will come down to follow-through volume and whether the record MVRV lows attract more than just the nimblest traders. A signal this loud has never fired for XRP before, and for a token long accustomed to polarizing market narratives, that alone is enough to keep the tape busy.
AUTHOR
Brenda is a writer with three years of experience specializing in cryptocurrency, artificial intelligence and emerging technologies. She graduated from the University of Mombasa with a degree in Psychology. She has worked at Cryptopolitan and Blockchain Reporter.
Securitize, one of Ripple’s strategic partners, has made headlines by becoming the first tokenization company to go public on Wall Street. This pivotal milestone is widely seen as a crucial step forward in bridging blockchain-based financial infrastructure with traditional capital markets.
A turning point for institutional finance and blockchainAccording to market analyst Diana, the listing of Securitize on a public exchange marks a defining moment for the tokenization of real-world assets. She notes that this event highlights the growing confidence institutional investors are placing in blockchain-based financial systems, as tokenization moves beyond its trial phase and cements itself in mainstream finance.
Securitize’s public offering demonstrates that institutional trust in real-world asset tokenization is rising, showing that this space has moved past its experimental stage.
Securitize has emerged as a leading platform for issuing, managing, and trading traditional financial assets on the blockchain. With its infrastructure that creates digital representations of securities, the company is gaining prominence among institutional product providers.
The platform is already powering major institutional products, including BlackRock’s BUIDL fund and VanEck’s tokenized US Treasury bill fund VBILL. This development further strengthens Securitize’s position at the heart of the sector.
InstitutionProductAreaBlackRockBUIDLTokenized fund infrastructureVanEckVBILLTokenized US Treasury bill fundRipple partnership becomes more prominentSecuritize’s relationship with Ripple has also drawn more attention lately. After Ripple acquired Hidden Road for $1.25 billion, Securitize began participating in tokenized collateral initiatives linked to the deal.
Simultaneously, Ripple’s stablecoin RLUSD has started gaining traction in institutional settlement operations. The XRP Ledger is expanding its use cases as a blockchain network specifically developed to support tokenized assets and institutional-grade financial applications.
Glossary: Tokenization refers to the digital representation of traditional assets—such as bonds, fund units, or real estate—on the blockchain. RLUSD is a US dollar-indexed stablecoin developed by Ripple for use in institutional payments and settlement processes.
Diana emphasizes that as banks, asset managers, and financial institutions increasingly embrace tokenization, trillions of dollars’ worth of assets—from government bonds and private credit to money market funds, equities, and real estate—could eventually migrate to blockchain infrastructure.
Institutional interest continues to growDiana believes these developments are not isolated events, but part of a broader transformation reshaping global finance. In her view, platforms like Securitize and infrastructure providers such as Ripple and the XRP Ledger could take on central roles in the new era of digital capital markets.
Momentum among institutional players appears to be accelerating. Leading global financial institutions are actively exploring tokenization models to make asset issuance, settlement, and management more efficient.
JPMorgan also recently described tokenization as one of the most promising trends in modern finance. The XRP Ledger is increasingly being mentioned as a blockchain network considered for institutional tokenization initiatives.
These developments are steadily accelerating the transformation of blockchain from a nascent technology into a core pillar of global financial infrastructure.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
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.
XRP jumped more than 8% as the crypto market showed some real catch-up energy heading into the July 4th weekend.
According to Santiment, most cryptocurrencies are no longer just watching equities hold up while they lag behind. After weeks of fear, ETF outflows, whale hesitation, and weak sentiment, buyers are finally stepping back in near key support. Most cryptocurrencies, including XRP, are trading higher on July 4.
XRP rose from the $1.02 low on July 1 after being stuck in a range between $1.00 and $1.07 for several days, marking the fourth straight day of gains since that date.
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Profitability indicators forecasted the current XRP rise, with all-time lows recorded for XRP average returns, hinting at a relief rally.
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XRP's 30-day and 365-day MVRV fell to about -45% and -47%, respectively, meaning that both short- and long-term investors are well underwater.
Santiment mentioned that, when taken together, XRP has never seen lower average returns in these timeframes in its more than 12-year trading history, indicating extreme fear. In the last seven days, XRP is up more than 8% as traders interpreted stretched losses as a contrarian signal.
XRP forms golden cross against BitcoinThe recent price increase has allowed XRP to gain strength against Bitcoin, with a golden cross setup appearing on the 2-hour BTC chart.
XRP/BTC 2-Hour Chart, Image By TradingViewThe 2-hour 50 MA has risen above the 200 MA, resulting in a short-term golden cross signal even as bullish momentum increases. XRP saw a sharp spike against Bitcoin in the July 4 session, reversing a downtrend from mid-June. The price remains in the $1 range, trading at $1.14 after hitting a 19-month low of $1.01 back on June 25.
Price disappointment hasn't reduced interest in XRP, on-chain data suggests. This week, the XRP Ledger saw 4,941 new wallets created in one day, the strongest network growth spike in over three months, indicating new users are stepping in despite sluggish price action.
The $1.00–$1.05 range is taken to be a likely dip-buy area, with sentiment reaching a 3-month high in FOMO.
Charles Hoskinson believes the network’s Ouroboros Leios upgrade will increase transaction capacity, positioning Cardano alongside some of the industry’s fastest blockchain networks, including the XRP Ledger (XRPL).
Hoskinson made the assertion during a virtual interview with David Gokhshtein on The Breakdown podcast. During the discussion, he revealed that Leios technology could boost Cardano’s throughput by as much as 60 times its current capacity.
“Leios will be 60x in terms of throughput inside the system,” he said, highlighting the upgrade’s potential to significantly increase the number of transactions Cardano can process per second.
If Cardano reaches that level, Hoskinson believes the network will “be as performant as the XRP Ledger (XRPL).”
Cardano Aims to Match XRPL’s Speed and Efficiency For years, the XRPL has built its reputation on fast settlement times and high transaction throughput, making it a preferred option for payments and cross-border transfers.
The network typically settles transactions within three to five seconds and supports a throughput of up to 1,500 TPS. Notably, the blockchain surpassed 120 TPS in March 2026 while processing around 650 transactions during peak activity.
Against this backdrop, Hoskinson’s latest remarks suggest that Cardano no longer views transaction speed as a competitive disadvantage. Instead, he believes the introduction of Leios will place the network on par with leading blockchain platforms in terms of performance and scalability.
Preserving Decentralization and Security Notably, Hoskinson stressed that Cardano achieved these throughput gains without sacrificing its core principles, particularly decentralization and security.
The blockchain industry has long struggled to balance scalability, decentralization, and security, a challenge commonly known as the blockchain trilemma. Many networks improve performance only by compromising one of the other two elements.
However, Cardano aims to prove that such trade-offs are not inevitable. With Leios, Cardano hopes to deliver the speed required for mainstream adoption while preserving the principles that have guided the ecosystem since its inception.
Current Status of Leios Meanwhile, the Ouroboros Leios upgrade officially launched its public testnet on June 23, 2026. Named Musashi Dojo, the testnet represents the first time the protocol has operated in a live network environment.
Looking ahead, Cardano plans to deploy Leios on the mainnet later this year, marking what could become one of the network’s most significant scalability upgrades to date.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
Ripple [XRP] has caught strong bidding from derivatives traders, CryptoQuant data showed. The aggressive taker buying volume, relative to the aggressive selling, was at the highest level in 2026.
Source: CryptoQuant The taker buy-sell ratio tracks the aggressive (or taker) buying to selling volume in perpetual swap markets. A rising metric denotes increased taker buying activity, which tends to push prices higher.
This influx of demand has contributed to the modest price bounce of 5.35% in the past 24 hours. Dominant buying has even pushed the 7-day moving average of the ratio back above 1.
Source: Glassnode Yet, at the same time, the Coin Days Destroyed metric saw a sizeable spike, the biggest since April. The CDD tracks the volume-weighted age of coins spent in a day. Higher values of CDD imply a high volume of previously-dormant coins were moved, likely for selling.
It can also capture a wave of capitulation in the market. In this context, a spike in CDD alongside a price bounce suggested holders used the XRP price bounce above $1.10 to take profits.
XRP net wallet flows turn negative, hinting at accumulation Source: CryptoQuant Against the backdrop of a short-term price hike and potential selling pressure from a wave of tokens being moved onchain came evidence of accumulation.
Crypto analyst Amr Taha pointed out that the 7-day net depositing/withdrawing wallet count fell to -6,210 on June 30. This negative number indicated a shift from an XRP net depositing environment to a net withdrawal environment.
Wallet activity flip towards withdrawals does not necessarily confirm smart money accumulation. AMBCrypto used the percent of supply held by the top 1% to understand if large holders were accumulating in significant numbers.
Source: Glassnode The data showed that the top holders had been distributing their holdings throughout June, as the percent supply in their control fell from 87.98% to 87.87%. For context, since January, the metric has risen from 87.57% to nearly 88% at its zenith in 2026.
The 1 billion XRP unlock recently reported on raised the question of whether the market can absorb the supply. So far, despite the selling pressure, the $1 psychological support level has not been ceded to the bears.
The onchain data slightly favored the accumulation angle, but market-wide sentiment and Bitcoin price action will also have an impact on XRP trends.
Final Thoughts The XRP price spike recently came alongside a rise in aggressive buying, but also a spike in CDD that warned of sell pressure. The shift from net depositing to net withdrawals from Binance, for the first time since July 2025, was an encouraging sight for investors.
The number of transactions carried out solely by autonomous artificial intelligence agents on the XRP Ledger network is approaching 1 million. This increase, highlighted by t54 data, coincides with a broader market recovery observed in July. The timing of this surge has reinforced expectations about whether XRP’s recent price climb will prove technically sustainable.
AI-driven activity boosts network momentumXRP has gained nearly 3% over the past 24 hours, reaching $1.1194. With this uptick, the price has moved above the midline Bollinger Band at $1.1112 on the daily chart. In the short term, the next key technical level to watch is the upper band at $1.2320.
The recent rebound in XRP’s price has unfolded during a sharp increase in transaction volumes executed by AI agents on the XRP Ledger.
At the core of this technological momentum is the XRPL x402 payment facilitator developed by the t54 team with support from Ripple. Ripple, a US-based fintech company specializing in cross-border payment technologies, plays a central role here. The solution leverages the internet’s native 402 Payment Required code, enabling AI bots to pay one another directly for computing power or data.
Mini glossary: The 402 Payment Required code is a status defined in HTTP standards, historically seldom used. It signals that payment is needed to access digital content or services; XRPL x402 adapts this logic for machine-to-machine payments.
This model eliminates the need for manual wallet management or purchasing complex API keys, automating payment flows. The rise in machine-to-machine payments using native tokens and stablecoins on the XRP Ledger has become a compelling narrative for XRP, especially amid the market’s upward momentum.
Technical outlook focuses on $1.3147 levelThe increase in automated payments is also being watched for its implications on long-term supply dynamics, as a portion of the fee from every on-chain transaction is burned. This mechanism can gradually limit the total amount of circulating assets as network usage intensifies.
On the weekly chart, the midline Bollinger Band at $1.3147 emerges as the main threshold for determining whether the multi-month downtrend has been broken.
Should the recent momentum continue, attention will shift to the $1.3147 middle Bollinger Band on the weekly timeframe for XRP. Surpassing this level would provide a stronger technical indicator that the multi-month decline has ended. In that event, the $1.30 zone could once again become the focal point for buyers.
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.
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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Donald Trump struck an optimistic tone on the U.S. economy, arguing that stronger economic growth could support both traditional financial markets like US Stock and risk assets such as cryptocurrencies.
His comments came as Bitcoin rose 1.99% to trade around $62,583, while Ethereum hovered near $1,751 and XRP traded close to $1.13 following a volatile second quarter.
The latest rally was largely driven by a macro-fueled short squeeze after weaker-than-expected U.S. jobs data eased investor concerns over additional interest rate hikes by the Federal Reserve.
Bitcoin is also reportedly showing a 76% correlation with gold, indicating that some investors increasingly view both assets as potential hedges against inflation amid shifting economic expectations.
Trump Says U.S. Economy Is StrengtheningTrump stated that the U.S. stock market had just completed its strongest quarter since his previous administration, pointing to gains in the S&P 500, Nasdaq, and Dow Jones Industrial Average.
"We are the strongest and most powerful country on Earth. And by the grace of God, the United States of America is the most successful, most accomplished, most exceptional nation ever to exist in human history." – President DONALD J. TRUMP 🇺🇸 pic.twitter.com/bGVSS80bJu
— The White House (@WhiteHouse) July 4, 2026 He argued that rising markets were helping boost Americans’ retirement savings through stronger 401(k) balances while his economic policies continued to support growth.
Trump credited several factors for the economic momentum, including:
Tax cuts aimed at increasing disposable income for working families.A narrowing U.S. trade deficit supported by rising exports.Trillions of dollars in announced investments contributing to factory construction, job creation, and manufacturing expansion.Calling it only the beginning, Trump said:
“The Trump economy is soaring. The Stock Market just completed its BEST QUARTER since the last time he was President. Stocks are surging, exports are rising, the trade deficit is shrinking, and trillions in investment are creating jobs. The Golden Age of America is just getting started.”
Stronger Growth and Lower Rates Could Benefit CryptoTrump also criticized the tendency of markets to react negatively to strong economic data due to inflation concerns.
He argued that stronger economic growth should be welcomed rather than feared and suggested that the Federal Reserve may have room to lower interest rates. Trump also praised former Federal Reserve Governor Kevin Warsh while indicating that some policymakers could make future rate cuts more difficult.
Historically, lower borrowing costs have been supportive of risk assets, including cryptocurrencies, making Trump’s comments particularly relevant for Bitcoin and the broader digital asset market.
Investors Continue Watching Policy DevelopmentsBeyond traditional markets, the Trump administration has become increasingly associated with a more crypto-friendly regulatory approach. Meanwhile, Congress continues to work on major digital asset legislation, including the CLARITY Act, as institutional adoption of cryptocurrencies expands.
The outlook for the second half of 2026 remains constructive for crypto markets if economic growth continues and investor confidence remains strong.
🚨 PRESIDENT TRUMP JUST DROPPED: "THE TRUMP ECONOMY IS SOARING! The Stock Market just completed its BEST QUARTER since the last time I was President."
"The S&P 500, Nasdaq, and Dow are all SURGING, sending Americans’ 401(k)s higher and higher. My Working Families Tax Cuts mean… pic.twitter.com/GvklqaQs7Y
— Eric Daugherty (@EricLDaugh) July 4, 2026 However, analysts caution that volatility could increase depending on future Federal Reserve decisions, tariff negotiations, and corporate earnings results, particularly from the artificial intelligence sector, which continues to influence broader market sentiment.
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After weeks of relentless selling, the crypto market is finally showing signs of stabilizing. While prices have bounced from recent lows, Santiment analyst Brian Quinlivan said investors shouldn’t focus on price alone. Instead, he said on-chain data may reveal where the strongest long-term opportunities are emerging.
One metric drawing attention is Market Value to Realized Value (MVRV), which compares an asset’s market value with the average acquisition cost of holders and is commonly used to assess whether a cryptocurrency appears overvalued or undervalued.
Here’s what Santiment’s latest metrics reveal for Bitcoin, Ethereum, and XRP.
Bitcoin: Sentiment Improves, But Whales Are Still SellingBitcoin price has recovered from around $58,100 to nearly $62,432, helping lift overall market sentiment. According to Quinlivan, Bitcoin’s social sentiment has climbed to its highest level in more than two weeks, showing traders are becoming more optimistic again.
However, he warns that the biggest players are telling a different story.
Wallets holding between 10 and 10,000 BTC have collectively sold around 54,700 BTC since mid-June. Historically, whale accumulation has often preceded more sustainable rallies, making the current selling trend something investors should continue watching.
Despite the selling, Quinlivan said Bitcoin’s long-term on-chain data remains encouraging. Its 365-day MVRV stands at roughly -30%, meaning the average long-term holder remains underwater. He said these deeply negative readings have historically marked attractive long-term accumulation zones rather than periods of excessive risk.
Ethereum: Whale Accumulation Is Slowly ReturningEthereum Price is beginning to show more constructive on-chain signals.
According to Santiment, wallets holding between 100 and 100,000 ETH have resumed accumulation after several months of selling. While Ethereum’s 30-day MVRV has moved slightly back into positive territory following its rebound toward $1,700, its longer-term outlook remains more attractive.
The 365-day MVRV remains close to -41%, a level Quinlivan compared to April 2025, when Ethereum was facing widespread bearish sentiment before eventually staging a major recovery toward its previous highs.
Although he expects Ethereum to remain largely dependent on Bitcoin’s direction, Quinlivan said long-term downside risk appears relatively limited compared to previous market cycles.
XRP: On-Chain Data Shows Extreme Oversold ConditionsAmong the three cryptocurrencies analyzed, Quinlivan believes XRP Price currently offers the strongest contrarian setup.
XRP recently defended the key $1.00 support, bouncing from roughly $1.01 while avoiding a decisive break below the psychological support level.
More importantly, both XRP’s 30-day and 365-day MVRV have dropped to around -45%, among the weakest readings recorded in recent years.
According to Quinlivan, these deeply negative readings have historically appeared after periods of retail capitulation following heavy losses. Similar conditions have often preceded meaningful recoveries once selling pressure begins to fade.
While he isn’t calling an exact market bottom, Quinlivan said XRP is currently sitting in one of its lowest historical risk zones, making it one of the most attractive long-term setups based solely on on-chain metrics.
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Cardano (ADA) founder Charles Hoskinson made noteworthy statements regarding Ripple and the XRP ecosystem. Hoskinson stated that Ripple has been actively working in the sector for a long time and that the company is taking concrete steps every day.
Hoskinson stated that Ripple has launched its RLUSD stablecoin, completed a $1.3 billion Prime Broker deal, and brought hundreds of banks into its ecosystem. Noting that Ripple has been in the industry for 12 years, Hoskinson said, “You have to keep developing.”
Hoskinson also touched upon Cardano’s technical development, stating that the Leios upgrade would provide approximately a 60x increase in in-system processing capacity. Arguing that this development would make Cardano as performant as XRP, Hoskinson added, “We haven’t compromised on our principles.”
Hoskinson also mentioned plans to accelerate ADA’s growth, stating that LayerZero, Circle, and other key companies have been included in the ecosystem as part of the Pentad initiative. He added that growth-oriented teams like AlphaGrowth are also involved, and that commercial products will be developed to increase Cardano’s total locked asset value and trading volume.
Hoskinson stated that the Cardano ecosystem is also focused on increasing scalability on the technology side, saying, “Everyone is moving forward, we’re working 24/7. We all work very hard here and we don’t stop. The market isn’t where it should be, but it’s in a much better state compared to 2018.”
Hoskinson also made statements regarding the Midnight project. He said that Midnight initially focuses on the “big 7” ecosystem, including Bitcoin, Ethereum, Cardano, Avalanche, Solana, BNB, and XRP, and that users from these networks can join Midnight.
*This is not investment advice.
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The XRP Ledger blockchain has moved close to a historic milestone of 1 million transactions conducted exclusively by autonomous AI agents, according to data from the t.54 service. This large-scale operational surge inside the ecosystem coincided with a powerful wave of broader July market revival.
Against this backdrop, investors are facing the main question: is the resulting impulse enough to push the XRP cryptocurrency through key barriers toward the $1.30 target?
XRP price on a weekly timeframe within Bollinger Bands, Source: TradingViewThe technical answer to this question is being formed right now on the daily chart. While market sentiment is pushing quotes higher, XRP has settled at $1.1194, showing growth of almost 3% over the past 24 hours, and this move allowed the price to break through the middle Bollinger Band on the daily timeframe at $1.1112.
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The local movement is now directed toward the upper boundary of the envelope at $1.2320.
How 1 million AI transactions are complementing the bull case for XRPThe current market dynamics are being further supported by a fresh technological narrative in the form of the XRPL x402 payment facilitator from the t54 team, created with Ripple's support. The protocol uses the native internet code 402 Payment Required, allowing AI bots to directly pay each other for computing power or data, fully removing manual wallet management and the purchase of complex API keys from the chain.
The surge in activity from machines using XRP Ledger's native token and stablecoins for settlements has given the asset a strong informational backdrop exactly at the moment of the market reversal.
Recently, nearly a million agent transactions have settled through our XRPL x402 facilitator.
More agents, more merchants, and more volume are coming to the XRP Ledger. pic.twitter.com/xqwt8MAPUF
— t54.ai (@t54ai) July 3, 2026 The automation of payments between robots launches a long-term deflationary mechanism, since every on-chain operation burns part of the network fee, reducing the available supply of coins.
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The current practice clearly illustrates the well-known 10-year forecast from Ripple's leadership. According to it, over the next decade, autonomous artificial intelligence will become one of the main consumers of network liquidity, turning blockchain into the base settlement infrastructure for robots.
Now, as broader July trends have given XRP its initial push, consolidation above the daily indicators is preparing the ground for a test of the main barrier, which is the weekly middle Bollinger Band at $1.3147.
A breakout of this zone against the backdrop of record AI-agent activity will become the final confirmation that the multi-month downtrend has been definitively broken, while the $1.30 target is fully open for buyers.
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.
XRP has spent the last several weeks fighting to stabilize after a painful breakdown below its multi-month trading range. Recent events indicate that expectations for a move toward $1.50 are not wholly unrealistic, even though the asset is still stuck in a larger bearish structure. The resumption of trading activity is one of the most promising indicators.
XRP's volume recently increased by over 20%, suggesting that market players are once again paying attention. Though significant rallies seldom occur without it, rising volume by itself does not ensure a breakout. When traders start positioning for a bigger move, there is often an increase in participation.
XRP/USDT Chart by TradingViewFrom a technical standpoint, XRP is beginning to improve. The asset has recovered its short-term moving average and is moving toward the $1.12 resistance zone after finding support close to the psychologically significant $1 level. Additionally, the RSI has recovered from oversold conditions and is steadily rising, indicating strengthening momentum.
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The cluster of resistance levels between $1.12 and $1.29 continues to be the bulls' immediate obstacle. The 50-day and 100-day moving averages, which have served as dynamic resistance during the current decline, are located in this region. The technical outlook for XRP would be greatly improved by a successful breakout above these levels. If buyers are able to recover $1.29, the route to $1.50 becomes much more feasible.
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The long-term 200-day moving average, which is presently above the market and serves as one of the most significant resistance levels on the chart, is located in the $1.50 area. The seeming exhaustion of selling pressure is another element bolstering the bullish case. XRP has already completed a major breakdown and subsequent capitulation phase, meaning many weak hands have likely exited the market. The fact that the price has recently stabilized above $1 indicates that demand is starting to absorb the remaining supply.
Shiba Inu trying to stabilizeAfter one of its most trying periods this year, Shiba Inu is making an effort to stabilize, but returning to $0.000005 will still be difficult. Although the meme coin has somewhat recovered from recent lows, price action is still being influenced by a larger bearish structure. After bouncing from the $0.0000041–$0.0000042 support zone, SHIB has shown signs of life and is currently trading around $0.00000436.
SHIB/USDT Chart by TradingViewFollowing weeks of unrelenting pressure, sellers may be losing some momentum as the RSI rises from oversold territory, which coincides with the recovery. Whether that rebound is strong enough to push SHIB back above the psychologically significant $0.000005 level is the crucial question. The short-term moving average is currently at $0.00000459, which is technically the first barrier.
SHIB has struggled to maintain momentum above this level during previous recovery attempts. If bulls manage to clear it, the next major target becomes the 100-day moving average near $0.0000050. Because it serves as both a technical resistance zone and a psychological threshold, that level is especially significant. Reclaiming it would signal that buyers are finally regaining some control after months of decline.
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All three indicators are still in a bearish alignment, and SHIB is still trading below its 50-, 100-, and 200-day moving averages. The longer-term resistance around $0.00000544 and $0.00000649 remains far above current prices, showing just how much ground bulls still need to recover.
Volume has also failed to show the kind of explosive accumulation that typically accompanies major trend reversals. While recent sessions have seen increased activity, the market has not yet produced a convincing breakout signal.
Solana approaches recovery thresholdOne of Solana's most significant technical moments in recent weeks is quickly approaching. The asset is currently testing a significant resistance cluster that may indicate whether a more significant recovery is about to begin after being stuck in a protracted downtrend for months. SOL has made a remarkable comeback from the June lows near $65, and it is currently trading around the $81 level.
More significantly, the asset has returned above its short-term and medium-term moving averages as a result of the recovery, something that has not happened for the majority of the recent correction. The most significant battleground now sits directly ahead. Solana is testing the area around $82-$85, where the 100-day moving average and previous support levels converge. This zone acted as a floor for months before the market breakdown earlier this year.
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As often happens in technical analysis, former support has now become resistance. What makes the current setup particularly interesting is the improvement in momentum. The RSI has climbed toward 65, showing strong buying interest without yet entering extreme overbought territory. This leaves room for additional upside if buyers can maintain control. Volume has also expanded during the recovery phase.
Unlike many recent rallies that occurred on declining participation, Solana's move higher has attracted increasing market activity. That is generally considered a healthier signal and suggests that investors are becoming more confident in the asset's recovery prospects.
That area coincides with the descending 200-day moving average, which remains the most important long-term resistance on the chart. The broader market environment is also becoming more supportive.
Bitcoin and Ethereum have stabilized, reducing pressure on major altcoins and allowing assets such as Solana to focus on their own technical recoveries rather than reacting exclusively to market-wide selling.
But traders should not declare victory too soon. For now, Solana is showing one of the strongest recovery structures among major cryptocurrencies. The chart suggests a breakthrough is within reach, but bulls still need to prove they can convert resistance into support before a larger rally can truly begin. Rejection at current levels could send SOL back toward support around $75, where the 50-day moving average is currently positioned.
As technical signals take the spotlight once more in the cryptocurrency market, XRP, Shiba Inu, and Solana have emerged as the most closely-watched assets in recent days for their attempts at recovery. While all three tokens are showing early signs of improvement on short-term indicators, analysts caution that a sustained upward trend will require a decisive break above their key resistance zones.
XRP approaches the critical $1.12–$1.29 resistance regionXRP, which recently dropped below its multi-month trading range, has spent the past few weeks seeking stability. An increase in trading volume by more than 20% reveals that market participants are once again showing interest. While this uptick in volume alone does not signal a breakout, it does suggest that investors may be positioning ahead of a larger move.
On the technical front, XRP found support near the psychologically significant $1 level before climbing back above its short-term moving average to approach resistance at $1.12. The relative strength index (RSI) also rebounded from oversold territory and is now trending higher.
The immediate test for XRP, according to technical analysis, lies in whether it can overcome the dense resistance cluster between $1.12 and $1.29. Should buyers reclaim $1.29, the path to a $1.50 target may become much more attainable.
This resistance region also encompasses the 50-day and 100-day moving averages, both of which acted as dynamic resistance during the recent downtrend. A breakout above these levels could sharply strengthen the broader technical outlook. Further up, the 200-day moving average, located around $1.50, remains a key long-term barrier for XRP bulls.
Shiba Inu sees a bounce but faces steep hurdlesAfter enduring one of the toughest periods of the year, Shiba Inu is now attempting to stabilize. The meme token rebounded from key support between $0.0000041 and $0.0000042, and was recently changing hands around $0.00000436. Despite this recovery, the broader technical structure continues to skew to the downside.
The RSI’s climb out of oversold territory hints at declining selling pressure. However, the first technical barrier sits at $0.00000459, a level where SHIB has failed to hold during previous attempts at recovery.
If buyers can clear this hurdle, the next target would be the 100-day moving average near $0.0000050, a level carrying both technical and psychological significance. For now, though, SHIB continues to trade below its 50, 100, and 200-day averages, with no clear signs of sustained accumulation or reversal in trading volume to confirm a strong trend reversal.
Solana’s rebound hinges on the $82–$85 rangeFollowing a prolonged decline over recent months, Solana is now facing one of its most significant technical tests. SOL rebounded from its June lows around $65 and surged toward $81, climbing above both short- and medium-term moving averages as momentum picked up.
The main battle for Solana currently centers around the $82 to $85 zone, where the 100-day moving average aligns with previously established support levels—now acting as resistance. This behavior, where prior support becomes new resistance, is a common theme in technical analysis.
Momentum indicators continue to favor Solana. The RSI rising toward 65 is a sign of robust buying interest, though still below overbought levels. Increased trading volume has also supported the recent gains. Meanwhile, relative stability in Bitcoin and Ethereum is helping ease overall selling pressure on major altcoins.
Nevertheless, the downward-sloping 200-day moving average remains the dominant resistance over the longer term. Should SOL face rejection at current levels, price action could return to the 50-day moving average near the $75 support region.
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 holders are nursing losses that have no precedent in the token’s twelve-year trading history. Both short-term speculators and long-term believers are deeply underwater at the same time, a condition that on-chain analysts say could be setting up a sharp relief rally. According to the Santiment update, XRP’s 30-day MVRV has collapsed to -45% while its 365-day MVRV sits at -47%, the lowest combined average return reading the XRP Ledger has ever registered.
Pain Across Every Timeframe MVRV, or market value to realized value, measures the average profit or loss of all tokens that moved within a given period. A deeply negative reading signals that the overwhelming majority of traders who acquired XRP over the past month and year are holding at a loss. It is unusual for both the 30-day and 365-day windows to print such extreme negative numbers together. The metric strips out short-term noise and shows that even those who bought a year ago, typically considered a patient cohort, are now trapped. In dollar terms, the average price at which XRP last moved is far above current spot, meaning the market has been repricing risk aggressively. That simultaneous distress creates a rare setup—one where selling pressure tends to exhaust itself because few participants have unrealized gains left to protect.
What The On-Chain Signal Means For Traders Santiment’s intelligence suggests that historically, the best risk-reward opportunities emerge when fear and frustration peak, not when confidence runs high. When the crowd is feeling maximum pain, both on-chain and in sentiment data, the probability of a mean reversion trade rises. That does not guarantee an immediate price floor. The crypto market remains sensitive to macro headwinds, and XRP could still drift lower if broader selling intensifies. But the data argues that a significant portion of the downside has already been absorbed by those who are now deep in the red. For traders considering a position, the note points out that the risk of further heavy distribution is lower than usual. When the average holder is sitting on losses of this magnitude, the pool of motivated sellers shrinks, often paving the way for a relief bounce. Still, timing remains uncertain, and the signal alone is not a trading trigger; it is a condition worth monitoring alongside volume trends and exchange flow data. Historically, XRP has staged multi-week rallies after hitting such depressed MVRV levels, but each instance depends on broader market support.
Broader Market Risks Remain The XRP Ledger does not trade in isolation. Any fresh regulatory shock or a continuation of weak sentiment across major digital assets could delay the recovery. The signal is a statistical outlier, but outliers can persist longer than traders expect. What makes this instance notable is not just the depth of the drawdown but the fact that it spans both short-term traders and long-term holders simultaneously—a condition that has historically aligned with meaningful local bottoms. Sustained low MVRV can also mark the beginning of an accumulation zone, where patient buyers step in, but a genuine trend reversal still requires a catalyst. Whether the market rewards that setup now depends on whether liquidity and narrative shift in XRP’s favor in the coming weeks.
AUTHOR
Jide Idowu is a skilled freelance writer with expertise in blockchain technology, cryptocurrency, and digital finance. Known for his ability to break down complex topics into clear, engaging content, Jide crafts articles, blog posts, and analyses that resonate with both beginners and seasoned professionals. His work spans a wide range of subjects, from emerging crypto trends to in-depth explorations of blockchain innovations. With a keen eye for detail and a passion for educating readers, Jide is a reliable voice in the rapidly evolving world of digital assets.
XRP entered July 2026 below its 50-month Simple Moving Average (SMA), a development that analyst EGRAG believes could shape the rest of this market cycle.
He said the $1.65 price level remains XRP’s key macro resistance. A decisive breakout above it could mark the start of the asset’s next major expansion phase. Notably, XRP is trading at $1.07, up 3.71% over the past day.
XRP Starts July Below the 50-Month SMA EGRAG noted that XRP opened July trading below its 50-month SMA. Historically, this has often preceded one final correction before a major rally.
Based on previous market cycles, XRP typically formed its final bottom around the 88-month SMA before beginning its strongest advances. If history repeats, the asset could revisit that level before its next macro breakout.
However, EGRAG said this cycle could unfold differently. If buyers quickly reclaim the 50-month SMA, XRP may avoid a deeper pullback altogether.
EGRAG Outlines Three Possible Scenarios To assess XRP’s outlook, EGRAG assigned probabilities to three possible outcomes. The analyst sees a 55% chance that XRP will retest or briefly wick below the 88-month SMA before beginning its next expansion.
He also assigns a 30% probability that XRP quickly reclaims the 50-month SMA. In that scenario, the asset would skip a return to the 88-month SMA and break from its historical pattern.
The least likely outcome carries a 15% probability. In this case, XRP’s price would lose support around the 88-month SMA and require more time to build a new bullish structure.
Despite these different possibilities, EGRAG said one resistance level remains the most important.
$1.65 Is the Key Level to Watch EGRAG identified $1.65 as XRP’s defining macro resistance.
According to his chart, XRP remains in what he calls “macro compression” until that level is decisively broken. Trading below the 50-month SMA continues to warrant caution. A successful reclaim of the moving average, however, would signal renewed strength.
The chart also suggests that a confirmed breakout above $1.65 could open the door to much higher long-term price targets.
Breakout Could Trigger Move to $7.50 and Beyond If XRP breaks above $1.65, EGRAG believes it could begin a macro expansion similar to previous market cycles.
His first major upside target is $7.50, representing the initial expansion phase. Beyond that, the analyst continues to project a long-term measured-move target of $42 based on historical cycle analysis.
Although he acknowledged that history may not repeat exactly, EGRAG said his highest-probability scenario is still a final test of the 88-month SMA before XRP begins its next major rally.
At the same time, he noted that a quick reclaim of the 50-month SMA would suggest this cycle is developing differently from previous ones. For now, EGRAG maintains that $1.65 is the decisive level to watch.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
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TL;DR
XRP ETFs took in $6.55M in net inflows on July 2, all from Bitwise. That marks an eighth consecutive positive week, pushing assets under management to $987.91M across seven funds — about 1.5% of XRP's market cap. The coin is trading at $1.09 against $1.10 resistance heading into a low-liquidity holiday weekend.Blockstream CEO Adam Back called the BIP-110 transaction-filtering proposal effectively dead, with mining-pool support at just 0.31% of hashrate.Shiba Inu coin slipped to 32nd place with a $2.55B market cap, overtaken by NEAR Protocol and Tether Gold. Exchange reserves are climbing back toward 87 trillion tokens after whales returned 493B coins in early July, following a 781B withdrawal in June. About $50M separates SHIB from re-entering the top 30.Bitcoin is holding its $59,000–$62,000 accumulation zone after whales added 270,000 BTC and spot ETFs flipped back to $221.7M in net inflows, but the prolonged Independence Day weekend leaves the market exposed to thinner order books, miner selling pressure, and exaggerated moves if BTC fails to hold above $61,000.American XRP ETFs closed their eighth positive week before the weekendFresh capital entered American spot XRP ETFs right before trading closed for the U.S. Independence Day holiday. The final pre-holiday session brought the funds a net inflow of $6.55 million, closing an eighth consecutive week of institutional buying firmly in positive territory, as per SoSoValue.
Bitwise's fund accounted for the entire day's haul, taking all of the week-ending volume while competitors such as Canary and Grayscale stood at zero. Total assets under management across the seven approved XRP funds have now moved close to the $1 billion mark, reaching $987.91 million. For a young sector, that is a meaningful 1.5% of the asset's total market capitalization.
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Total XRP Spot ETF Net Inflow Over the Last 30 Days, Source: SoSoValueTraders calmly absorbed even the freezing of the CLARITY Act crypto bill, whose vote on Capitol Hill was postponed until the end of the summer because of the recess. Accumulation was also not disrupted by the scheduled release of 1 billion tokens from escrow contracts on July 1. The network absorbed the entire volume without a drawdown, against the backdrop of a three-month record in new wallet creation on the XRPL blockchain.
The coin is now trading at $1.09, pressing against key resistance at $1.10. Thin trading over the holiday weekend could easily tip the balance: if buyers lock in a breakout, the asset will have an open road toward the psychological $1.15 mark, justifying July's historically strong status for XRP.
Adam Back declares collapse of Bitcoin's censoring BIP-110 soft forkBlockstream CEO Adam Back entered the ongoing debate around the BIP-110 proposal, calling the attempt to introduce transaction filtering into Bitcoin commercially stillborn. The well-known cypherpunk reacted harshly to the current disputes in the ecosystem, stating that the initiative had failed because of a lack of interest from investors and traders.
At the center of the conflict is a proposal to limit the network's capacity for non-monetary data such as Ordinals and Runes. According to Back, the desire to artificially clean blocks in the name of imaginary security directly contradicts Bitcoin's p2p nature.
i'm a cypherpunk, and have been running nodes since 1990s. exit remailers, tor, file sharing, bitcoin nodes. p2p networks don't exist unless people with mettle run nodes. filter bippers are weak leeches, scared to p2p, demanding to censor to make nodes "safe" for the weak to run.
— Adam Back (@adam3us) July 3, 2026 He stressed that this filtering fork is already dead on arrival, as the market has completely rejected it and exchanges currently have no long positions in fork futures. Back's words are also confirmed by current on-chain metrics: support for BIP-110 from mining pools has stalled at 0.31% of the total hashrate, making soft-fork activation through the UASF mechanism unrealistic.
Back compared the proposal's authors to people who unsuccessfully tried to burn down a rented house, only to end up outside and now "living in a tent" of their own filtering coin. At the same time, BIP-110 supporters continue to strengthen the defenses around their "granite castle."
The industry veteran concluded that the network's antifragility had once again rejected poorly thought-out ideas, and urged censorship supporters either to adapt or finally split off into their own altcoin.
87 trillion trap: Why Shiba Inu fell out of the top 30Shiba Inu (SHIB) has fallen out of the world's top 30 cryptocurrencies, settling at 32nd place with a market capitalization of $2.55 billion. The meme token failed to withstand direct pressure from NEAR Protocol at $2.6 billion and the tokenized gold asset Tether Gold (XAUt) pushing from behind.
While retail traders remain passive, keeping SHIB's daily trading volume at a modest $70.2 million, major players have started a tough positional battle as exchange reserves return to the critical level of 87 trillion coins, as per CryptoQuant.
This trillion-coin barrier has become a liquidity trap for the token. In late June, whales temporarily eased the pressure by moving 781 billion SHIB to cold wallets, but by early July they had replayed the scenario and returned a fresh batch of 493 billion tokens to exchanges.
Netflow of Shiba Inu (SHIB) coin on centralized exchanges month-to-month, Source: CryptoQuantThe rise in supply to 87 trillion is weighing on price action: investors see it as a sign that large wallets are ready to lock in profit on any local rebound, which firmly blocks growth in market capitalization.
Still, it is too early to write SHIB off. The gap from the coveted top 30 is a symbolic $50 million. Against the backdrop of Japanese competition between Mercari and Rakuten Wallet and expectations for a U.S. ETF from T. Rowe Price, the current drop looks more like a prolonged consolidation.
Whether the token returns to the top league depends on only one thing: whether July demand can absorb those trillions of coins hanging in exchange order books.
Crypto market outlook: Bitcoin accumulation and stablecoin pressure define July openingThe crypto market enters the prolonged Independence Day weekend with Bitcoin recovering above $61,000 after ETF outflows stopped, whales rebuilt exposure near $59,000–$62,000, and stablecoin competition intensified against Circle’s USDC dominance.
Bitcoin price action in Summer 2026, Source: TradingViewKey checkpoints:
Bitcoin accumulation phase confirmed: Whales added 270,000 BTC around $59,000 over two weeks, equal to roughly $16.7 billion in fresh accumulation. Long-term holders also shifted from distribution back to accumulation. The $59,000–$62,000 range is now the main investor positioning zone. Whale behavior and sentiment capitulation show larger holders are treating this area as a buy zone.ETF pressure eased before the holiday weekend: Bitcoin cleared $61,000 after a 10-day spot ETF outflow streak ended. U.S. spot Bitcoin ETFs recorded $221.7 million in net inflows on July 3 after the jobs report reduced fears of a fresh rate-hike shock.July 4 liquidity risk: U.S. markets are entering a prolonged Independence Day weekend. That leaves crypto exposed to thinner liquidity, weaker institutional participation and exaggerated weekend moves.Stablecoin competition is escalating: OUSD launch pressure hit Circle, USDG scaled to $100 million on Robinhood Chain, and non-USD stablecoins reached $1.1 billion in supply, with transfer volume up 16x since 2023.Open USD targets USDC dominance: A new Open USD consortium backed by more than 140 firms, including Visa, Mastercard, BlackRock, Coinbase and Stripe, went live with free minting/redemption and shared reserve yield for partners. Circle stock dropped 14–17% as investors priced in direct competition.What matters next week: BTC needs to hold the $59,000–$62,000 accumulation base and keep ETF flows positive. The upside trigger is continued ETF demand plus progress on U.S. crypto market-structure legislation; the downside risk is renewed miner selling, failed ETF follow-through or thin-liquidity weekend pressure. You Might Also Like
Ripple co-founder and cryptocurrency billionaire Chris Larsen is among a roster of elite investors who have thrown their support behind American Perpetuals Exchange (APEC), which is a new financial startup launched by Theo Gillibrand, the 22-year-old son of well-known New York Democratic Senator Kirsten Gillibrand.
Gillibrand, a recent Stanford University graduate, has managed to attract a "who's who" of angel investors for his new platform.
APEC's backers include Larsen, hedge fund manager John Griffin, Washington-based investor Mark Ein, and Anduril Industries founder Palmer Luckey.
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A pro-crypto senator The impressive roster of supporters has been described as long-time friends and mentors to Theo. The majority of these angel investors contributed between $5,000 and $10,000 each.
APEC has reportedly secured a massive $30 million funding round led by Lux Capital. Its valuation has now surged to a staggering $300 million.
The business plan involves perpetual futures products pegged to U.S. equities.
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A representative for Larsen has confirmed that he is "proud to support the organization."
There is growing scrutiny surrounding APEC due to Senator Gillibrand’s role in shaping U.S. cryptocurrency regulations. Many crypto-cautious Democrats view the industry with pronounced skepticism, but Gillibrand has positioned herself as a bipartisan cheerleader for the sector that frequently attracts jeers from the industry.
Gillibrand has been a vocal supporter of ethics reform within the crypto space. She has backed specific provisions that would ban lawmakers from using the newfangled asset for personal profit.
Larsen's political influence On top of the recent investment, the Ripple executive and Democratic megadonor has been deploying his crypto fortune to influence tight political races.
As reported by U.Today, Larsen's crypto-affiliated Super PAC recently injected a massive $1 million into Colorado’s hyper-competitive 8th congressional district. The financial boost helped Larsen's preferred candidate comfortably defeat his opponent.
Market data confirms that each year XRP recorded consistent declines in Q1 and Q2, a recovery ensued during the third quarter of the year.
XRP has not escaped the ongoing downtrend that began in October 2025, down 40.17% this year alone despite the recent rebound effort in July. However, market data points to an encouraging pattern that could provide some relief in the short term.
Notably, XRP has often alternated between gains and losses in the first and second quarters of each year since it started trading in the public market in 2013. However, in rare cases where it saw consistent losses in Q1 and Q2 within a particular year, the market always delivered gains during the third quarter.
XRP Quarterly Performance in 2014 This pattern has played out three times since 2013. The first instance was in 2014 after XRP saw a strong pullback following the impressive gains recorded the previous year. Specifically, XRP first collapsed nearly 68% in Q1 2014 and then by another 57% in the second quarter of that year.
Notably, during this period, XRP saw consistent losses across multiple consecutive months, including -24.9% in January 2014, -33.62% in February 2014, -35.73% in March 2014, -38.95% in April 2014, -22.53% in May 2014, and then -8.61% in June 2014.
However, a recovery campaign ensued in July 2014, as the market introduced a relief bounce amid the downtrend. Specifically, XRP gained 36.73% in July 2014, rising from $0.00379 to $0.00519. Despite seeing mild losses in August and September 2014, Q3 closed with a 22.9% upsurge.
XRP Quarterly Performances in 2018 and 2022 The other two times this pattern played out were during the bear markets of 2018 and 2022. After reaching the $3.31 peak in January 2018, XRP recorded its most devastating crash in recorded history over a 3-month period, leading to a massive 77.7% loss in Q1 2018.
The downtrend persisted into the next quarter. Despite an impressive 67% recovery in April 2018, the declines in subsequent months brought Q2 2018 performance to -9.1% for XRP.
While the downtrend slipped into the start of the third quarter, XRP saw a 73.6% increase in September 2018, and this was enough to offset the losses from July and August, leading to a 24.4% rebound in Q3 2018.
XRP Quarterly Performances For the 2022 bear market, XRP first saw a mild 2.14% loss in Q1 despite gains in February and March. However, the Terra implosion resulted in steeper declines in Q2, with XRP dropping 59.4% during that quarter. Interestingly, Q3 introduced a 44.5% recovery while the bear market remained intact.
XRP Already Following the Pattern This year, XRP has already recorded losses in the first and second quarters, with a 27.1% decline in Q1 and a 22.4% drop in Q2. This follows a 35.4% crash during Q4 2025, as the bear market drags on.
Interestingly, the asset already seems to be following the recorded pattern, as it embarks on an early recovery push in July 2026, which has put Q3 at a gain of 6.05% as of the time of reporting.
Market data suggests that XRP has seen an average gain of 17.3% in Q3 since it started trading in 2013. While Q3 has not delivered the highest average gain, this quarter appears to have seen the most consistent recoveries in history, with only three instances seeing declines in 13 years.
If XRP maintains the pattern and records at least the average 17.3% gain for this quarter, it could close the quarter with a recovery above the $1.20 level. While this may provide a glimmer of hope, there is no guarantee that Q4 will extend the rebound push.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
Ripple has unveiled plans to integrate agentic AI payments into the XRP blockchain, marking a significant technological advancement. The integration will occur through the new XRPL AI Starter Kit, enabling autonomous AI agents to utilize XRP and the RLUSD stablecoin for various digital transactions. This development positions XRP to play a pivotal role in machine-to-machine commerce, with RLUSD offering a stable settlement option. Ripple’s initiative aligns with its broader strategy to enhance agentic systems and strengthen security controls, evidenced by its recent strategic hires and the launch of an AI-driven operations platform.
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Key Takeaways Recent developments suggest Ripple’s integration of agentic AI payments could enhance XRP’s utility in machine-to-machine commerce. Market pricing indicates a modest increase in optimism, with the probability of XRP reaching $1.60 in July rising from 4% to 6%. Current activity levels in XRP markets suggest participants are closely monitoring potential impacts on adoption and price movement. What to Watch Market participants will be watching for further announcements from Ripple and its partners that could influence XRP’s adoption. Key indicators to monitor include regulatory developments such as the CLARITY Act and potential market catalysts like an XRP ETF announcement. Continued shifts in market odds may indicate how participants are interpreting the impact of these developments on XRP’s price trajectory.
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Term Structure
Contract Odds Δ since publish Volume 24h August 1 2026 0.6% — — View market → August 1 2026 6% — — View market →
While the market argues about XRP price levels, the ledger underneath it is assembling something more ambitious: a full stack of compliance-native DeFi rails aimed at banks, funds, and treasury desks. Here is what is already live, what is in validator voting right now, and why the whole bet could still fail.
Summary
XRP Ledger is expanding its institutional DeFi infrastructure with compliance focused features including a permissioned DEX, native lending, and tokenized asset support. XRPL contributors are advancing XLS 65 and XLS 66 through validator voting to introduce fixed term lending designed for regulated financial institutions. Ripple’s RLUSD and more than $3 billion in tokenized real world assets are strengthening XRPL’s push to become a compliance ready blockchain for institutional finance. The XRP Ledger has spent most of its fourteen-year life being described as a payments chain. Fast, cheap, boring. The description was accurate for a long time, and it also missed what has been happening on the ledger over the past eighteen months. Piece by piece, amendment by amendment, XRPL contributors and Ripple have been laying down infrastructure for something the rest of the industry mostly talks about in conference keynotes: DeFi that regulated institutions can actually use.
The phrase itself, institutional DeFi, tends to produce eye rolls among crypto natives. It sounds like a contradiction, a way of saying decentralized finance with the decentralization filed off. But the buildout on XRPL is concrete enough, and far enough along, that it deserves a serious look. As of this week, the two amendments that would bring native fixed-term lending to the ledger, XLS-65 and XLS-66, are in active validator voting following the Rippled v3.1.0 release in late January. Tokenized real-world assets on XRPL have passed $3 billion. Ripple’s stablecoin RLUSD crossed $1 billion in supply and ranks among the fastest-growing stablecoins in the market. A permissioned exchange layer with protocol-level compliance controls has gone live. None of this made much noise. That is partly the point.
The core bet: compliance at the protocol layer Every major smart contract chain has tried to court institutions, and almost all of them have run into the same wall. Banks and asset managers cannot deploy client capital into open pools where the counterparty might be a sanctioned entity, a mixer, or a teenager with a hardware wallet. The standard industry answer has been to bolt compliance on afterward: whitelisted front ends, wrapped permissioned versions of open protocols, off-chain legal agreements draped over on-chain positions.
XRPL made the opposite bet. Instead of adding compliance on top, its contributors embedded identity and access controls into the protocol itself. Three primitives do most of the work.
Credentials, linked to decentralized identifiers, let trusted issuers attest on-chain that a wallet belongs to a KYC-verified entity, an accredited investor, or a firm with a specific regulatory permission. The attestation lives on the ledger. The underlying documents do not.
Permissioned Domains, which went live under the XLS-80 amendment with 91% validator support, use those credentials to gate access to specific markets. A domain can require that every participant holds a valid credential from an approved issuer. Anyone outside the domain simply cannot trade inside it.
The Permissioned DEX extends the ledger’s native order book exchange, which has existed since 2012, into these controlled environments. Regulated firms can run foreign exchange or tokenized asset markets with full AML and KYC enforcement while settlement still happens on a public blockchain. Activation followed within weeks of validator consensus earlier this year.
Alongside those three sit the supporting pieces: Multi-Purpose Tokens, a standard that embeds metadata and transfer rules at the asset layer so structured financial instruments do not need custom smart contracts; Batch Transactions for atomic delivery-versus-payment, the settlement pattern institutions use for cross-asset swaps; and Token Escrow support extended to IOUs and MPTs.
The design philosophy separates XRPL from nearly everything else in the market. On Ethereum or Solana, an institution wanting a compliant venue has to build one out of general-purpose parts and hope the auditors sign off. On XRPL, the compliance tooling is the venue.
The lending protocol is the real test Infrastructure is necessary but not sufficient. The feature that will decide whether institutional DeFi on XRPL is a real business or a well-documented ghost town is the lending protocol, defined in the XLS-65 and XLS-66 specifications.
The two amendments work as a pair. XLS-65 introduces Single Asset Vaults, which aggregate liquidity from depositors and issue vault shares that can be transferable or locked depending on configuration. XLS-66 builds the actual credit machinery on top: fixed-term, fixed-rate loans with preset amortization schedules, issued through on-ledger contracts between lenders and borrowers.
The design choices are telling. Where open DeFi lending runs on overcollateralization and instant liquidations, the XRPL protocol supports uncollateralized loans with off-chain underwriting. Borrower evaluation, credit scoring, and risk management stay where institutions already have mature models, while issuance, repayment, and default records live on the ledger. First-loss capital structures add a protection layer familiar to anyone who has looked at securitization. Vault operators can restrict participation to KYC and AML compliant entities at the protocol level, which is precisely the feature that separates this from open DeFi.
Doppler Finance, a tokenized capital markets infrastructure firm, put the honest caveat on record this week: a protocol can define how lending activity is recorded and executed on-chain, but it cannot, by itself, create an institutional credit market. Underwriting, treasury management, portfolio monitoring, and regulatory oversight all need operational layers that no amendment can ship. XLS-66 provides the rails. Someone still has to run trains on them.
There is at least one committed passenger. Evernorth, one of the largest XRP treasury firms, has said it will make the lending protocol a core pillar of its digital asset strategy, describing it as a potential fundamental shift in how institutional liquidity moves on-chain and pointing to what it called a multi-billion-dollar annual yield opportunity for the XRP community. Treasury firms holding large XRP positions have an obvious incentive here: idle tokens earn nothing, and a native, compliance-gated lending market is the most direct way to change that.
The amendments are testable on devnet now, and developers can integrate against the lending stack ahead of mainnet activation. The open question is the validator vote. XRPL amendments require sustained support above the 80% threshold for two weeks before activation, and that process can stretch for months with no guarantee of passage. The framework is credible. The activation path is not automatic.
How amendments actually pass, and why it takes forever Because so much of the XRPL story now hangs on validator votes, it is worth understanding the machinery, which differs from every other major chain’s governance.
XRPL has no token voting and no foundation decree. Protocol changes ship as amendments inside validator software releases, and each amendment activates only after more than 80% of trusted validators signal support continuously for two full weeks. Dip below the threshold for an hour and the clock resets. The validator set doing the voting is defined by Unique Node Lists, the curated rosters of validators that operators choose to trust, populated by exchanges, universities, infrastructure firms, and long-time community operators across jurisdictions.
The design makes XRPL upgrades slow, conservative, and hard to capture, three adjectives that read as insults on crypto Twitter and as compliments in a bank’s vendor-risk review. It also means every roadmap date in this article carries an implicit asterisk. Permissioned Domains cleared activation with 91% support, a comfortable margin. The lending amendments face a more complicated vote because they change the ledger’s risk surface in ways some conservative operators have historically resisted; earlier programmability proposals spent long stretches stuck below threshold while operators debated attack surface. The voting is live now following the v3.1.0 release, testable code is on devnet, and the realistic activation window stretches from weeks to quarters depending on how fast the holdouts move.
For traders, this creates a strange information asymmetry. Amendment support percentages are public, on-chain, and updated continuously, yet almost nobody prices them. Watching XLS-66 support climb toward 80% is about as close to a scheduled, verifiable catalyst as this market offers, and it sits in plain sight.
The competition is building the same thing with different parts XRPL is not the only chain that noticed institutions want compliant rails, and an honest assessment has to place the ledger against the two ecosystems actually holding the money.
Ethereum remains the default venue for tokenized institutional product, full stop. BlackRock’s tokenized fund complex, Franklin Templeton’s on-chain money market operation, and the JPMorgan digital asset stack all touched Ethereum first, and the chain holds roughly 68% of global DeFi deposits along with about 70% of stablecoin supply. Its institutional DeFi answer is assembled from general-purpose parts: permissioned pool deployments of Aave, KYC-gated hooks on Uniswap V4, wrapper tokens with transfer restrictions, and off-chain agreements binding it together. The approach works, and its weakness is exactly what XRPL is betting on: every assembled solution is bespoke, every audit is novel, and the compliance burden lands on the builder instead of the protocol.
Solana has moved fastest recently. Token-2022 extensions gave issuers protocol-adjacent controls, transfer hooks, confidential amounts, and interest-bearing logic, and the Solana Developer Platform launched in March with Mastercard, Worldpay, and Western Union attached. Solana’s pitch is throughput plus tooling; its gap is that compliance remains a token-level option instead of a market-level guarantee, and its validator economics and outage history still appear in institutional risk memos even after the Firedancer-era reliability turnaround.
XRPL’s differentiation survives the comparison in one specific sense: it is the only major venue where identity, market access, and settlement controls are native ledger objects that no application can misconfigure. The cost of that purity is a smaller developer surface, a shallower liquidity base, and no general-purpose composability on mainnet. Institutions choosing between the three are effectively choosing which risk they prefer: Ethereum’s complexity, Solana’s history, or XRPL’s emptiness.
Three billion dollars of quiet traction Skeptics can reasonably ask whether any of this is being used. The answer, increasingly, is yes, though the numbers remain small next to the giants.
Over $3 billion in tokenized real-world assets currently sit on XRPL, which places the ledger inside the top ten chains for RWA value. The most striking single data point came from a pilot earlier this year in which Ripple and JPMorgan processed a tokenized U.S. Treasury redemption in under five seconds, settling on XRPL what normally crawls through legacy market plumbing. The ledger also recorded its first month with more than $1 billion in stablecoin volume, and RLUSD passed the $1 billion supply mark while expanding into consortium settlement arrangements.
On the payments and FX side, XRP itself does structural work that most native assets do not. The ledger routes trades through XRP automatically whenever doing so improves pricing, a mechanism called autobridging. If there is no direct liquidity between two stablecoins or two tokenized currencies, the trade hops through XRP. The mechanism works inside the new permissioned environments as well as on the public DEX, though trades cannot bridge between the two. Every account reserve, every transaction fee, and a growing share of FX routing runs through the native asset, which ties institutional adoption of the ledger back to demand for the token in a way that is mechanical instead of narrative.
That linkage matters for anyone holding XRP, which trades near $1.08 at the time of writing after spending weeks pinned around the psychologically loaded $1.00 level. The token is still down more than 50% over twelve months, and the gap between infrastructure progress and price performance has become one of the more uncomfortable facts in the ecosystem. Readers who want the market-structure side of that story can find it in our coverage of why the broader market has been trading risk-off since the spring.
The gap XRPL still has to close For all the compliance tooling, XRPL remains a shallow DeFi venue by the numbers that crypto natives actually check. Chain TVL sits far below rivals: Solana holds roughly $9 billion in DeFi deposits and BNB Chain about $6.5 billion, while XRPL’s locked value is a fraction of either. Deep liquidity attracts deep liquidity, and the ledger has not had it.
Part of the problem is technical, and it is being addressed with unusual candor. XRPL’s native automated market maker, live since 2024, launched with only a constant product curve at a time when roughly 60% of AMM volume across major ecosystems runs through concentrated liquidity designs. In late May, a draft amendment titled AMM Swappable Curves was filed on the XRPL standards repository, proposing three pluggable curve types: constant product, concentrated liquidity, and StableSwap, with a fully programmable Smart AMM reserved for a follow-up specification. Existing pools would stay untouched. If it passes, the ledger’s biggest capital-efficiency gap starts to close. If it stalls in the amendment process, XRPL keeps asking institutions to trade on 2024 infrastructure.
The other gap is programmability. XRPL mainnet deliberately avoids general-purpose smart contracts, which keeps the attack surface small and the behavior predictable, qualities institutions like, but it also means builders who need full flexibility have to go elsewhere. The ecosystem’s answer is a dual track: measured programmability on mainnet through Smart Escrows, which let developers write custom release conditions into the existing escrow primitive, and a live EVM sidechain bridged via Axelar for teams that want Solidity and full composability. Whether liquidity follows that split or gets fragmented by it remains an open question.
Privacy is the next frontier, and the strangest one The roadmap item that best captures XRPL’s institutional positioning is also the one that sounds least like crypto: confidential transfers. Multi-Purpose Tokens are getting zero-knowledge-proof-based encryption of transaction amounts and balances, letting institutions move tokenized assets and manage positions without broadcasting their book to every competitor running a block explorer, while preserving selective disclosure for regulators and auditors.
Full transparency, it turns out, is a bug for professional money, not a feature. No trading desk wants its inventory legible in real time. The XRPL community has moved past exploration into prototyping ZKP integrations with research and compliance teams, with confidential MPT transfers slated as the first milestone. Privacy with accountability is the stated frame: encrypted by default, provable on demand.
Put the pieces in sequence and the shape of the strategy becomes clear. Identity first, through credentials. Access control second, through domains and the permissioned DEX. Assets third, through MPTs and tokenization. Credit fourth, through the lending protocol. Confidentiality fifth, through ZKPs. It reads less like a crypto roadmap and more like someone rebuilding the back office of a mid-sized bank, one amendment at a time.
The sidechain wildcard One more piece complicates the tidy mainnet story: the XRPL EVM sidechain, live and bridged through Axelar, running on eXRP as gas. Its job is to catch the builders mainnet’s minimalism turns away, Solidity teams who want full composability with a route into XRPL liquidity and identity features. The dual-track design is defensible, mainnet stays lean while experimentation happens next door, but it imports the exact problem Ethereum has spent years managing: liquidity and users split across environments with a bridge in between, and bridges remain the industry’s most reliably exploited component. If institutional flows land on mainnet while DeFi innovation concentrates on the sidechain, XRPL ends up running two half-ecosystems instead of one whole one. The optimists’ version is that the sidechain functions as a proving ground, with successful patterns graduating into mainnet amendments the way ZKP research moved from prototype toward the confidential transfer roadmap alongside partners such as Hidden Road, the prime broker Ripple acquired to give institutional clients a familiar front door. Which version plays out is a 2027 question; the split exists today.
RLUSD is the demand engine hiding in plain sight If the lending protocol is the supply side of XRPL’s institutional buildout, the stablecoin is the demand side, and it deserves more attention than it usually gets.
RLUSD launched under a New York trust charter, which put it in the small club of stablecoins that compliance departments can approve without a fight, and its growth since has outpaced nearly every peer on a percentage basis: past $1 billion in supply, expanding into multi-issuer consortium arrangements, and increasingly the settlement leg in XRPL’s FX corridors. The strategic logic is circular by design. Stablecoin corridors generate ledger volume, ledger volume generates XRP fee burn and autobridge demand, and a trusted on-ledger dollar makes every other institutional product viable, because tokenized Treasuries need something to trade against and vaults need a funding currency.
The lending protocol makes the loop explicit. The first wave of XLS-66 vaults is widely expected to be RLUSD-funded, with institutional borrowers taking fixed-term dollar credit against off-chain underwriting. If that market reaches even single-digit billions, XRPL hosts a native short-term credit curve denominated in a regulated stablecoin, which is the kind of boring financial primitive that payments desks, market makers, and treasury managers actually budget for. Whether regulated entities deploy capital into RLUSD-funded vaults at scale is, in one sentence, the whole question the next two quarters will answer.
The watchlist for the next two quarters For readers who want to track the buildout instead of the discourse, the roadmap compresses to a short list of verifiable checkpoints.
• XLS-65 and XLS-66 validator support crossing and holding the 80% threshold, the single highest-signal event on the board.
• Confidential MPT transfers shipping in the stated first-quarter window, XRPL’s first production zero-knowledge feature.
• Permissioned DEX volume and domain creation after activation, the difference between compliance theater and used infrastructure.
• MPT integration with the native DEX, scheduled alongside Smart Escrows, which lets tokenized instruments trade against XRP and IOUs directly.
• The AMM Swappable Curves amendment advancing from draft to vote, closing the concentrated liquidity gap.
• Follow-through from Evernorth and any second public institutional commitment to the lending protocol, because one anchor tenant is a pilot and two is a market.
Each item is public, dated, and falsifiable, which is more than can be said for most crypto roadmaps.
What could still go wrong The bear case does not require much imagination, because pieces of it are already visible.
• Validator activation risk is real and immediate. XLS-65 and XLS-66 need sustained supermajority support, and amendment votes have stalled before. Every month of delay is a month rival chains spend courting the same institutions.
• Infrastructure is not demand. XRPL has built the rails ahead of proven appetite, and outside Evernorth’s stated intent, no regulated lender has committed capital publicly. The chain could end up with the best-documented empty credit market in crypto.
• The competition is not standing still. Ethereum remains the default for tokenized funds from BlackRock and Franklin Templeton, and Solana launched a developer platform this spring with Mastercard, Worldpay, and Western Union as early adopters. XRPL’s compliance-native design is a differentiator, not a moat.
• Regulatory frameworks cut both ways. The same clarity that lets institutions touch permissioned DeFi also lets them demand terms, and there is no assurance the economics of on-ledger credit will beat what prime brokers already offer off-chain.
There is also a subtler risk: that permissioned DeFi succeeds and simply fails to matter for XRP. If activity concentrates in gated domains trading tokenized Treasuries against RLUSD, the native asset’s role could shrink to fees and reserves, a payments-era footprint under an institutional-era ledger. Autobridging and escrow denominated in XRP push against that outcome, but the tension is real and worth watching in the data rather than the marketing.
A ledger playing a long game Step back far enough and the XRPL story inverts the usual crypto sequence. Most chains launch permissionless, attract speculation, and then spend years retrofitting the controls institutions require. XRPL is running the film backward: build the controls first, accept years of looking sleepy next to memecoin casinos, and wait for the moment when regulated capital decides it finally wants on-chain settlement, credit, and FX.
That moment may be closer than the price chart suggests. Tokenization has become the fastest-growing corner of the industry, stablecoin legislation has unlocked bank participation across several jurisdictions, and the first generation of tokenized funds is now large enough to need somewhere to borrow, lend, and hedge. The chains that win that flow will be the ones where a compliance officer can sign off without a novel-length risk memo.
Whether XRPL becomes one of them comes down to two things it does not fully control: an 80% validator threshold, and the willingness of institutions to move from pilots to production. The infrastructure argument has been made, and made well. The adoption argument is still being written, one vault and one loan at a time. For a network that has been declared irrelevant more times than any other top-ten asset, quietly shipping the plumbing while nobody watches might be the most on-brand strategy available.
For readers newer to the mechanics referenced here, our explainers on Ripple Prime and institutional brokerage, consortium stablecoins, and the earlier lending and escrow roadmap cover the building blocks in more depth.
Disclaimer: This article is for informational purposes only and does not constitute investment advice. Digital asset markets are volatile and you can lose your entire investment. Always do your own research. Information current as of July 3, 2026.
XRP (CRYPTO: XRP) peaked at $3.65 in July 2025 buty now trades 70% off its highs.
The collapse happened all the while Ripple kept signing institutional deals, winning regulatory battles, and attracting ETF inflows.
The Trump Rally Was Always Going To End This WayXRP surged from $0.49 to $3.39 in weeks after Trump’s election as investors priced in a regulatory reversal.
Every subsequent positive event followed the same script: buyers positioned early, price pumped, sellers cashed out the moment confirmation arrived.
On January 20, 2025, XRP briefly spiked as Trump took office then fell the same day, starting a three-month decline to $1.60.
The people who bought XRP at $0.30 to $0.80 and held through years of SEC litigation finally had their exit.
Three Macro Shocks Hit In SequenceOctober 2025’s China tariff announcement wiped $19 billion in leveraged crypto positions in a single day, destroying the derivatives foundation that had amplified every previous XRP rally.
February’s Black Sunday II then produced $2.2 billion in futures liquidations, wiping out 335,000 traders and breaking XRP below $1.60, the support level that had held since April 2025, opening a clear drop toward $1.
US-Israel strikes on Iran later liquidated $100 million in crypto longs within 15 minutes, with XRP absorbing a disproportionate share given its elevated sensitivity to risk sentiment.
Deutsche Bank had integrated Ripple’s payment rails that same month. Aviva Investors had partnered with Ripple to tokenize funds on XRPL.
Société Générale launched its euro stablecoin on XRPL the same week. None of it mattered. XRP was trading on macro fear, not Ripple fundamentals.
ETF Inflows Were Real But Couldn’t Absorb What Whales Were DumpingStill, institutional buying through ETFs couldn’t match what early holders were offloading into every spike.
However, Ripple’s name on a deal doesn’t automatically create demand for XRP.
Where XRP Stands NowXRP is challenging the year-long descending trendline from July 2025’s peak, the same line that rejected every rally for eleven months.
The token prints its third RSI bull divergence signal at these lows. The prior two, in November 2025 and February 2026, each produced rallies of 40% to 80%.
The SEC and CFTC have classified XRP as a commodity, ETFs hold over $1 billion in assets, and Mastercard, Deutsche Bank, and Société Générale now actively use XRPL infrastructure.
Ripple’s fundamentals never broke down — the price drop was driven entirely by macro forces, early holder distribution, and Bitcoin’s (CRYPTO: BTC) gravitational pull on the entire altcoin market.
Image: Shutterstock
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XRP, after several weeks of subdued performance, saw its trading volume climb sharply by 21 percent in the past 24 hours. While price movement remained tightly clustered around the $1.10 mark, the increase in volume signals a revived level of interest among market participants. In the crypto space, rising volumes against a backdrop of sideways price action are often interpreted as the first sign of a potential directional breakout.
The broader market’s recovery plays a key roleOne crucial factor behind this uptick has been the renewed risk appetite across the cryptocurrency market. After the steep selloff in June, major cryptocurrencies like Bitcoin and Ethereum, as well as many leading altcoins, have been searching for stability. Thanks to its high liquidity and robust retail investor following, XRP routinely stands out as a preferred alternative during periods when investors return to large-scale, non-mainstream assets.
The surge in XRP’s volume, coming even as its price holds steady around $1.10, indicates that interest in the token is once again on the rise within the market.
Historically, XRP has often seen a boost in trading volume concurrent with heightened activity across the wider crypto market. Consequently, analysts view the current increase as not unique to XRP but rather a reflection of a broader recovery sentiment.
The $1.12 to $1.21 range draws close attentionAttention has now shifted to a significant resistance zone from a technical viewpoint. After rebounding from the psychologically important $1.00 level, XRP is edging toward the $1.12 to $1.21 price range. This band is marked by the convergence of both 50 day and 100 day moving averages, along with former support areas that became resistance following the June breakdown.
IndicatorLevelSignificanceCurrent price area$1.10Zone where sideways action persistsFirst support$1.00Psychological thresholdResistance region$1.12 to $1.21Short term technical hurdleVolume change21 percent increaseSignals stronger participationThe approach toward this closely watched area is engaging both buyers and sellers, contributing to the overall increase in trading volume. A decisive break above resistance could bolster hopes for a sustained recovery, whereas a pullback from this area might ramp up volatility once more.
Bargain hunters emerge at local lowsAnother, perhaps less visible but significant, catalyst has been the return of speculative investors looking to buy at perceived bottoms. Following a prolonged correction, XRP had lost much of its value relative to recent local highs. With the token holding above $1.00 and the RSI indicator rebounding from oversold territory, some investors now find the current levels more attractive for possible accumulation.
The ability to remain above $1.00 and a pickup in the RSI have apparently encouraged more investors to seek bottom entry opportunities in XRP.
Although certain technical indicators are hinting at a local bottom formation on the charts, XRP has yet to fully shed its bearish overtones. The asset still sits below major long-term resistance levels. Nevertheless, the spike in volume, improved market sentiment, repeated tests of critical resistance, and a renewed push by bargain hunters are all coming together as notable drivers.
Should buying pressure persist, analysts believe XRP could face a more pronounced technical test in the coming weeks.
Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.
Ripple (XRP) exhibits strong recovery prospects, trading above $1.10 on Friday. This rebound aligns with the broader crypto market and can be attributed to easing geopolitical tensions in the Middle East and growing appetite for risk assets.
Improving sentiment lifts XRP demandAppetite for XRP digital investment products has strengthened, supported by improvement in sentiment across the cryptocurrency market, as evidenced by the Fear and Greed Index. Current data shows the index embedded in the Extreme Fear territory at 21 on Friday, up only slightly from 19 the day before and significantly higher than June’s average of 11.
Crypto Fear & Greed Index | Source: AlternativeRenewed interest in XRP spot Exchange-Traded Funds (ETFs) reinforces the broader market sentiment. After two consecutive days of outflows, inflows resumed on Thursday at nearly $7 million. Overall, demand for ETFs has remained relatively steady, given cumulative inflows now stand at $1.49 billion, up from $1.43 billion on June 1. Total assets under management average $988 million.
XRP ETF flows | Source: SoSoValueRetail demand also shows marginal improvement, as perpetual futures Open Interest (OI) expands to 2.2 billion XRP on Friday, up from 2.18 billion XRP the previous day.
Despite the mild increase, CoinGlass data shows that the OI holds below the June peak of 2.28 billion XRP. This implies that steady retail demand is critical to stabilizing XRP’s short- to medium-term outlook.
XRP Futures OI | Source: CoinGlassPrice analysis: XRP reinforces short-term recoveryXRP extends its recovery above $1.10, reflecting growing interest in the token that swept liquidity at the $1.03 support earlier in the week. The short-term technical outlook upholds a constructive bullish bias as the spot price stands above the 50-day and 100-day Exponential Moving Averages (EMAs) at $1.07 and $1.09, while also remaining well supported by the Bollinger Bands middle layer near $1.06.
The upper Bollinger Band at $1.11 sits just above spot as immediate resistance, hinting at a market pressing against the upper volatility envelope.
Meanwhile, the Moving Average Convergence Divergence (MACD) histogram stays positive and gently expanding on the daily chart, with the MACD line above the signal line, reinforcing steady upside momentum. At the same time, the Relative Strength Index (RSI) hovers in the mid-60s on the same chart, suggesting firm bullish pressure without yet entering overbought territory.
XRP/USDT 4-hour chartInitial resistance is aligned at the upper Bollinger Band around $1.11. A break of which would expose the more significant 200-day EMA near $1.14 as the next upside barrier. On the flip side, the first area of demand emerges at the 100-day EMA around $1.09, followed by layered support from the 50-day EMA and the Bollinger midline band clustered between roughly $1.07 and $1.06, with the lower Bollinger Band far below at $1.02 acting as a deeper downside cushion if a sharper correction unfolds.
(The technical analysis of this story was written with the help of an AI tool.)
Bitcoin, altcoins, stablecoins FAQs Bitcoin is the largest cryptocurrency by market capitalization, a virtual currency designed to serve as money. This form of payment cannot be controlled by any one person, group, or entity, which eliminates the need for third-party participation during financial transactions.
Altcoins are any cryptocurrency apart from Bitcoin, but some also regard Ethereum as a non-altcoin because it is from these two cryptocurrencies that forking happens. If this is true, then Litecoin is the first altcoin, forked from the Bitcoin protocol and, therefore, an “improved” version of it.
Stablecoins are cryptocurrencies designed to have a stable price, with their value backed by a reserve of the asset it represents. To achieve this, the value of any one stablecoin is pegged to a commodity or financial instrument, such as the US Dollar (USD), with its supply regulated by an algorithm or demand. The main goal of stablecoins is to provide an on/off-ramp for investors willing to trade and invest in cryptocurrencies. Stablecoins also allow investors to store value since cryptocurrencies, in general, are subject to volatility.
Bitcoin dominance is the ratio of Bitcoin's market capitalization to the total market capitalization of all cryptocurrencies combined. It provides a clear picture of Bitcoin’s interest among investors. A high BTC dominance typically happens before and during a bull run, in which investors resort to investing in relatively stable and high market capitalization cryptocurrency like Bitcoin. A drop in BTC dominance usually means that investors are moving their capital and/or profits to altcoins in a quest for higher returns, which usually triggers an explosion of altcoin rallies.
The XRP Ledger is carving out a more prominent role within Brazil’s rapidly expanding stablecoin ecosystem. According to crypto researcher SMQKE, the blockchain network has become a key platform, especially for issuing and transferring digital assets pegged to the Brazilian real (BRL). The number of BRL-backed stablecoins in circulation across Brazil has now surpassed 10, with these assets serving both retail users and institutional players in the country’s dynamic fintech sector.
BRL stablecoin adoption rises in BrazilProjects such as BRZ, BRLA, and BRLM are driving the growth of digital payment channels, enabling faster and cheaper cross-border money transfers and fueling the rise of tokenized finance applications. This trend underscores Brazil’s emergence as one of Latin America’s most vibrant fintech markets and highlights the growing appetite for digital assets among consumers and businesses.
SMQKE notes that several of these BRL-pegged stablecoins are leveraging the XRP Ledger infrastructure. The network’s ability to process transactions within seconds and at low cost stands out as a major draw for high-volume stablecoin issuers operating in the Brazilian market.
SMQKE emphasizes that with a portion of Brazil’s BRL-based stablecoins operating on the XRP Ledger, the network is increasingly proving itself as a robust foundation for tokenized financial assets.
Institutional use cases expandThe XRP Ledger is being recognized not just as a theoretical blockchain platform but as a reliable system that powers real-world financial applications. Its native tokenization features, scalable architecture, and solid track record of technical stability make it particularly appealing to institutions developing blockchain-based payment systems and digital asset issuance projects.
Within Ripple’s broader strategy, the XRP Ledger is seen as a foundational infrastructure for stablecoins, tokenized assets, and potentially in the future, central bank digital currencies (CBDCs). Ripple—which operates in the payments technology sphere—has long played a crucial role in supporting the growth and evolution of the XRP Ledger ecosystem.
IMF interest and technical upgrades in focusThis approach recently received additional validation when the International Monetary Fund (IMF) included the XRP Ledger among blockchain networks used by banks for stablecoin issuance. The move reflects not only the network’s relevance in crypto markets but also its growing profile in connecting crypto with traditional finance infrastructure.
Technical innovation is also underway on the network. The reintroduced Batch amendment now enables users to combine payments, token swaps, NFT purchases, and similar operations into a single secure transaction. This feature is designed to streamline operations and lower costs associated with complex transactions.
Mini glossary: The Batch amendment is a technical update on the XRP Ledger aimed at executing multiple operations in one connected action. It is intended to boost efficiency and lower transaction costs, particularly for payment and asset transfer uses.
The fact that the International Monetary Fund lists XRP Ledger among networks used by banks for stablecoin issuance is considered a sign of growing institutional interest.
With Brazil seeing more real-world stablecoin applications, increasing institutional engagement, and ongoing network enhancements, the XRP Ledger is steadily advancing beyond its origins as a speculative blockchain to become a critical piece of financial infrastructure in the region.
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 flashed its first SuperTrend buy signal since mid-June, reviving optimism after several weeks of persistent downside pressure.
The latest signal followed an extended corrective phase and mirrored a setup that previously preceded a 14% price rally.
According to Ali Charts, the same indicator had identified the last two major declines of 19% and 16%, highlighting its recent reliability during key market turning points. However, technical indicators rarely guarantee identical outcomes across different market environments.
Instead, the latest signal suggested that selling pressure had eased while buyers regained short-term control.
Holder losses reached historic extremes Santiment’s on-chain data showed that XRP’s average returns had fallen to their weakest levels in the asset’s history.
The 30-day Market Value to Realized Value (MVRV) ratio dropped to -45%, while the 365-day MVRV ratio declined even further to -47%, leaving both short-term and long-term holders deeply underwater.
Historically, such extreme readings appeared after prolonged periods of capitulation rather than widespread optimism.
Instead of reflecting fresh buying demand, these figures suggested that most sellers had already absorbed significant losses before exiting the market.
Nevertheless, deeply negative MVRV values have often improved the long-term risk-reward profile because fewer investors remain willing to sell at depressed prices.
The metric therefore strengthened the case for a relief rally, although broader market conditions would still determine whether buyers could sustain any recovery.
Source: Santiment /X NVT spike raised questions about network strength Ripple’s [XRP] Network Value to Transactions (NVT) Ratio climbed sharply to 194.71 after posting a remarkable 470.92% increase over the previous 24 hours.
The indicator compared the network’s market valuation against the value transferred across the blockchain.
Such a sharp increase usually reflect market value rising much faster than underlying transaction activity.
Rather than confirming stronger network usage, the latest reading suggested that valuation had begun outpacing utility.
This divergence often appears during periods when price recover faster than on-chain demand.
However, the metric alone did not invalidate XRP’s improving technical outlook because transaction activity frequently lagged behind price during the early stages of recoveries.
Even so, sustained upside would likely require stronger network participation to support higher valuations over time.
Source: CryptoQuant XRP defended support as MACD turned higher At the time of press, XRP traded around $1.1014 after reclaiming the $1.0385 support zone, where buyers repeatedly prevented additional losses.
The daily chart also showed the MACD line crossing above the signal line while the histogram shifted back into positive territory.
That crossover indicated that bearish pressure had weakened after weeks of decline.
Price still remained below the major resistance at $1.2352, making that level the next important barrier for any sustained recovery.
A successful move above it would expose the $1.3653 resistance, while another rejection could return attention to the $1.0385 support.
Source: TradingView The chart therefore showed improving technical conditions, although XRP still needed confirmation through a decisive breakout above nearby resistance before establishing a broader bullish trend.
Final Summary XRP reclaimed key support while technical indicators pointed toward improving short-term market structure. Record-low MVRV favored recovery, but elevated NVT showed network activity still lagged price.
The amount of XRP tokens locked in Ripple’s escrow accounts continues to drop, according to XRP advocate and legal expert Bill Morgan. Morgan revealed that the portion of XRP held in escrow has now slipped below 32.5% of the total supply. This figure marks a significant shift, sparking renewed debate over longstanding claims that escrow accounts hold between 35% and 40% of all XRP—a range now proven outdated.
Morgan noted that nearly a year ago, escrow accounts constituted close to 36% of all XRP in circulation, but this share has been gradually decreasing over time. While Ripple unlocks 1 billion XRP from escrow every month, only a fraction is returned to escrow accounts. Naturally, this means the locked balance gets smaller as months pass.
Bill Morgan pointed out that the share of XRP held in escrow has now dipped under 32.5%, yet some market watchers continue to cite outdated figures of 35% or even 40%.
Morgan explained that, on average, around 300 million XRP released each month are not relocked in escrow. These tokens, instead, are deployed in institutional partnerships, liquidity services, and ecosystem development. This use case has steadily reduced the share Ripple holds in escrow accounts over time.
Mini glossary: An escrow account refers to token balances locked under a predetermined schedule and released over time. Ripple uses this system to plan the future supply of XRP entering the market.
Challenge to outdated supply dataDespite blockchain data being publicly available, Morgan expressed concern that outdated supply statistics continue to circulate. He especially called out some Bitcoin supporters who still claim Ripple controls more than half of all XRP, dismissing these assertions as inaccurate in light of current numbers.
Should current trends persist, Morgan estimates that by July next year, the share of XRP in escrow accounts could fall below 29% of total supply. This would mean Ripple’s locked token holdings will exert even less influence on overall XRP liquidity.
The fact that Ripple relocks most of the 1 billion XRP released each month into escrow restricts the net amount entering the market, which helps allay concerns over potential sell pressure.
Market sees limited price impactMorgan’s latest remarks came just after Ripple completed its planned release of 1 billion XRP for July. While such monthly unlocks often raise concerns about possible sell pressure, Ripple’s history shows that most released tokens are relocked rather than sold, mitigating market anxiety.
The most recent event did not trigger a significant negative market reaction. XRP’s price climbed between 3% and 4% to break past $1.10, ultimately reaching $1.12. Persistent demand at higher price levels increased confidence that the $1.10 region may now act as a key support, rather than resistance.
IndicatorLevelCurrent escrow account shareBelow 32.5%Share roughly one year agoClose to 36%Monthly unlock from escrow1 billion XRPAverage not relocked300 million XRPCurrent price$1.12These disclosures have reignited debate around XRP’s tokenomics. Supporters see the dwindling escrow balance as a sign of a more market-oriented and dispersed supply structure, which they argue leads to healthier asset distribution over time.
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 just recorded higher trading volume than Bitcoin on Upbit. The altcoin now trades above a recently reclaimed resistance level.
As a result, analysts are watching whether XRP holds enough momentum to challenge the next major zone. The surge in activity places the $1.15 level squarely at the center of trader attention.
XRP Trading Volume Tops Bitcoin on Upbit. Source: CoinGeckoRenewed Interest in XRP?Trading volume measures the amount of an asset exchanged over a specific period. Rising volume is often seen as a sign of increasing market participation. It typically reflects stronger investor interest across both retail and institutional trading channels.
The altcoin generated roughly 113.18 million XRP in trading volume on Upbit over the past 24 hours. As a result, the token surpassed Bitcoin and became one of the exchange’s most actively traded digital assets.
The move drew immediate attention across South Korean crypto markets.
JUST IN: XRP trades at $1.09 on South Korea's largest exchange Upbit, with 24H volume of 113,178M outpacing Bitcoin's turnover on the platform. pic.twitter.com/caYIjKv9cz
— 𝗕𝗮𝗻𝗸XRP (@BankXRP) July 3, 2026 The timing is notable for the token. XRP recently moved above $1.10. That area had repeatedly capped previous recovery attempts.
Moreover, holding above the zone has improved the short-term technical structure and reinforced expectations of continued buying interest.
Analysts note that the latest move built a more constructive market setup. XRP is now attempting to form a sequence of higher lows and higher highs. That pattern is commonly associated with strengthening bullish momentum across major crypto assets.
The breakout has clearly attracted attention. However, traders remain focused on whether the token can maintain support above former resistance levels. As a result, sustained demand will likely be necessary to maintain the current upward trend.
XRP Price Performance – 7D. Source: BeInCryptoWhy the $1.15 Level Is Drawing AttentionThe next major area under observation sits between $1.14 and $1.15. This range combines short-term selling pressure with a widely monitored long-term moving average. It now represents a potentially significant obstacle for the token.
A successful move above $1.15 could strengthen confidence among market participants. Furthermore, it would likely shift attention toward higher price levels. Conversely, failure to break through the area may lead to additional consolidation before another attempt.
Analysts also note the importance of XRP holding above $1.09 during any short-term pullback. In technical analysis, a former resistance level that becomes support often confirms a more sustainable breakout. That flip strengthens the broader bullish case.
$XRP did the one job: reclaim $1.10.
Swept the downside liquidity at $1.0369, now holding $1.09 support as fresh ground.
Hold above $1.09 and $1.15 is the next test…
Lose it and the flush to $1.07 comes fast.
Do you agree? pic.twitter.com/UWmPZZLOBW
— Alex Marzell (@MarzellCrypto) July 3, 2026 Beyond $1.15, the next notable target remains the $1.20 to $1.30 zone. That area has repeatedly rejected previous rallies. Furthermore, it remains one of the most important resistance regions on the entire XRP chart.
Supporting the bullish narrative, XRP remains above its breakout level as market activity continues to expand. The token is currently trading around $1.11 after surging 2.25% over the last 24 hours, according to BeInCrypto data.
Buyers appear to have maintained control since the move above the resistance level.
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The latest recovery also follows a period of prolonged weakness. XRP’s monthly RSI recently reached its most oversold reading on record. That extreme prompted some observers to consider the possibility of a broader trend reversal across the coming sessions.
The wallets of XRP users are currently being drained with the help of a new sophisticated phishing campaign that is based on the distribution of fake non-fungible tokens (NFTs).
A recent alert from XRP blockchain explorer Bithomp states that scammers are using fake "reward" and "payout" tokens to trick investors into authorizing malicious transactions.
A single user lost a staggering $15,000 to the exploit in such a way.
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The screenshots shared by Bithomp show that the transaction type was logged as an NFTokenAcceptOffer.
The victim believed they were claiming a digital asset called "Ripple Payout Token #7357".
The code executed a massive withdrawal valued at roughly $15,000 from the victim's balance and transferred it to the scammer's wallet. Obviously, the user ended up with a worthless bogus NFT.
The anatomy of a scam Bad actors exploit the low transaction fees on the XRP Ledger to mint hundreds of such fraudulent NFTs every single day.
The scammers use highly official-sounding terminology to give the scam some sort of urgency and legitimacy.
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There is a massive stream of new tokens with the names of the likes of "Securing XRPL Proof", "XRP Earning Permit", "XRP Cashback Card", "Ripple Benefit Badge", "Boosting Ripple Card" and "Ripple Grant Voucher."
The scammers distribute these tokens to active XRPL wallets or promote them on social media platforms,
The site prompts them to sign a transaction once they connect their wallets.
Crypto scam epidemic The scale of cryptocurrency fraud has reached unprecedented levels, with a recent FBI report showing that cryptocurrency-related fraud accounted for the most reported losses among all scam categories last year. Americans lost over $11.3 billion to crypto-related scams in 2025.
A 2026 report by blockchain analytics firm Chainalysis estimates that a record $17 billion was stolen globally through crypto scams. Impersonation scams continue to reign supreme, and the rise of generative AI makes it more challenging to fight the scammers.
Brinc and Ripple have jointly announced a new accelerator program in Hong Kong aimed at supporting early stage cryptocurrency and financial technology startups. Unveiled on July 3, the Hong Kong Financial Innovation Programme will run for 12 weeks, with a particular focus on blockchain-based financial services built on the XRP Ledger platform.
Program scope and objectivesThe accelerator is open to companies ranging from the pre-seed stage up to Series A, targeting teams working on practical digital finance solutions for the broader Asian market. Applications have officially opened via Brinc’s dedicated submission platform.
The program is designed especially for founders developing products in cross-border payments, foreign exchange operations, trade finance, lending solutions, stablecoins, tokenization, settlement networks, and AI-powered payment systems. Selected startups will receive mentorship over the 12-week program from experts in finance, blockchain technology, and business development.
Brinc emphasizes that the program is not only about advancing technology, but also about fostering commercial partnerships and creating real market use cases.
Participants will have opportunities to connect with potential investors, corporate partners, and financial institutions. Eligible projects can also apply for grant funding that does not require any equity transfer, allowing startups to develop products without diluting their ownership structure.
XRPL infrastructure at the forefrontAll participating startups will build their products on the XRP Ledger. Known as Ripple’s native blockchain, XRPL stands out for its rapid transaction speeds, relatively low fees, and suitability for payment and settlement applications. The program is oriented toward developing solutions that can fulfill real financial needs—especially in Hong Kong and across Asian markets.
Mini glossary: Tokenization refers to creating a digital representation of a real world or financial asset on the blockchain. A settlement network is the infrastructure that finalizes and records financial transactions between parties.
Regulatory landscape evolves in Hong KongHong Kong is moving forward with its regulated stablecoin market, having recently introduced a new licensing regime for fiat-referenced stablecoin issuers. Following two license approvals earlier this year, authorities expect to see the first Hong Kong dollar backed stablecoins roll out by mid-2026.
These regulatory developments make the timing of the accelerator especially significant. A clearer regulatory framework could enhance the prospects for startups building payment infrastructure and digital finance solutions to achieve commercial success in the region.
New technical proposal for XRPLMeanwhile, Ripple’s Chief Technology Officer David Schwartz has put forward a new transaction ordering system for the XRPL decentralized exchange (DEX) and automated market maker (AMM). The aim is to reduce risks of front running and sandwich attacks—both of which can harm the integrity of decentralized trading—and to enhance the predictability of transaction execution on the network.
David Schwartz’s proposed transaction ordering system is designed to limit front running risks for DEX and AMM transactions on XRPL.
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 crypto market is moving through a pivotal period of evolution. Long-term trends surrounding the XRP price prediction and the Ethereum price forecast 2030 continue to guide investor expectations. These projections rely heavily on Ripple’s utility in cross-border financial networks and Ethereum’s reigning dominance over smart contracts and Web3 systems. While both established assets serve as reliable benchmarks for digital currency growth, market participants are intentionally shifting their focus toward early-stage networks that offer significantly higher upside potential.
BlockDAG (BDAG) is rapidly dominating these discussions. It has solidly positioned itself in the best crypto to buy debate by launching a massive 100% World Cup Bonus. This strategic move allows participants to enter at just $0.00000066 per coin while securing up to 100% in extra tokens to maximize their accumulation power. This market momentum is growing even stronger following the launch of BlockDAG’s AI Large Language Model (LLM), an expansion that marks a giant leap forward for ecosystem intelligence, scalability, and network adoption.
Adoption Trends Drive Long-Term XRP Price Predictions Table of Contents
Adoption Trends Drive Long-Term XRP Price PredictionsEthereum Price Forecast 2030 Reflects Network EvolutionBlockDAG’s World Cup Bonus Boosts Token Accumulation PowerKey Insights Ripple’s expanding role in cross-border payments and international financial systems heavily dictates the current XRP price prediction narrative. Engineers designed XRP specifically to settle fast, low-cost international transactions in just a few seconds. This high-speed utility makes it an incredibly relevant asset for global remittance and institutional payment corridors.
Because of these variables, long-term market projections for XRP vary significantly. Conservative analysts suggest that moderate real-world adoption will likely place the asset’s long-term valuation somewhere between $1 and $5.
On the other hand, more optimistic outlooks push the XRP price prediction up to $10 or even higher. Achieving these higher price levels depends heavily on clearer global regulatory frameworks and deeper integration into institutional banking systems. Ultimately, the long-term future of XRP remains tied to liquidity demands and practical banking adoption.
Ethereum Price Forecast 2030 Reflects Network Evolution The Ethereum price forecast 2030 depends entirely on the network’s established role as the world’s leading smart contract platform. It serves as the primary backbone for decentralized finance (DeFi), NFTs, and decentralized applications (dApps). Because its ecosystem hosts the majority of decentralized protocols, Ethereum benefits from continuous network activity and high developer engagement.
Long-term valuation models show that the Ethereum price forecast 2030 sits comfortably between $8,000 and $20,000. Reaching these targets requires steady institutional participation, rising global adoption, and successful network upgrades.
These ongoing technical upgrades are designed to increase transaction throughput and lower gas fees during peak congestion periods. As blockchain technology integrates into mainstream industries, Ethereum’s capability to maintain a reliable, scalable infrastructure will dictate its long-term financial position.
BlockDAG’s World Cup Bonus Boosts Token Accumulation Power BlockDAG is capturing widespread attention as it rolls out advanced features and expanding utility. This rapid growth strengthens its reputation as the best crypto to buy for individuals targeting early network momentum. The primary catalyst driving this market interest is the limited-time 100% World Cup Bonus. This promotional structure dramatically boosts coin accumulation by granting buyers an extra 50% to 100% in BDAG tokens, successfully doubling their initial positions at activation.
With a current entry price of $0.00000066 and an anticipated buyback benchmark set at $0.03, BlockDAG presents a wide valuation gap. This difference underscores the substantial upside potential available as the ecosystem matures and market demand scales upward.
Activating this time-sensitive World Cup Bonus provides an immediate advantage by increasing a user’s total token holdings from the very beginning. This allows participants to gain deeper exposure to the network’s growth early on, rather than relying solely on future market price action.
Furthermore, the introduction of BlockDAG’s AI LLM represents a major technological milestone. This AI integration will improve overall ecosystem intelligence, optimize user interactions, and boost application scalability. It will also maximize operational efficiency and foster highly adaptive network use cases. Backed by a reported $500 million valuation increase, this technological leap reflects strong market confidence in BlockDAG’s long-term scaling capacity.
Key Insights The crypto landscape continues to adjust around the utility-driven XRP price prediction and the institutional Ethereum price forecast 2030. XRP maintains its focus on cross-border payment efficiency, while Ethereum relies on its massive smart contract ecosystem. Both legacy assets move within long-term adoption cycles that depend heavily on regulatory progress and institutional capital.
However, market capital is flowing toward newer ecosystems that offer faster development cycles and powerful near-term catalysts. BlockDAG is leading this shift with its 100% World Cup Bonus, offering an entry reference of $0.00000066 paired with a $0.03 buyback framework. Supported by an expanding AI LLM and rapid ecosystem development, BlockDAG is solidifying its place as the best crypto to buy for those seeking maximum upside.
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Disclaimer: This is a Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.
The race between Solana and XRP has been going on for a long time. Today, XRP ranks sixth with a market cap of $69.12 billion, while Solana follows in seventh with $47.42 billion.
This trail has left investors wondering whether Solana can flip the XRP market, and if yes, when?
So, based on on-chain activity, DeFi, TVL, revenue generation, and institutional adoption, we have concluded this analysis.
Solana Vs XRP In Network ActivityStarting with network activity, data from Token Terminal shows that Solana currently records around 3.3 million daily active addresses, making it the second most-used Layer-1 blockchain with nearly 23% market share.
On the other hand, the XRP Ledger currently records around 15,000 to 16,000 daily active addresses. Although that number recently increased to between 23,000 and 39,500 during periods of higher network activity, it is still far behind Solana.
This shows that Solana already has a much larger user base, which could support long-term ecosystem growth.
Transactions, Fees, And Revenue GrowthIt is not just active users where Solana leads, it sees a larger gap when looking at transaction activity.
Token Terminal data shows that Solana handles roughly 299 million daily transactions, giving it nearly 42% market share, while also generating around $617,300 in daily network fees.
In comparison, the XRP Ledger only handles 1.7 million daily transactions and generates only around $1,900 in daily transaction fees.
The same trend appears in protocol revenue.
Since the beginning of 2026, Solana has generated around $36.7 million, making it the third-highest revenue-generating blockchain behind Ethereum and Tron. During the same period, the XRP Ledger generated about $766,900.
Solana Also Leads in DeFi GrowthAnother area where Solana holds a clear advantage is decentralized finance.
According to DefiLlama, Solana currently has more than $5 billion locked across DeFi protocols, compared with just $38.6 million on the XRP Ledger.
Although Solana’s TVL has dropped from nearly $9 billion earlier this year, it remains far ahead of XRP.
XRP Still Has One Big AdvantageWhile Solana dominates most on-chain metrics, XRP continues to lead in institutional adoption.
Ripple now holds nearly 75 regulatory licenses worldwide and works with major financial institutions like SBI Holdings, Santander, PNC Bank, CIBC, and Aviva Investors. These companies use Ripple’s network for cross-border payments and tokenization, giving XRPL strong institutional backing.
XRP is also leading the ETF race. Spot XRP ETFs have attracted around $1.49 billion in cumulative net inflows, compared with $1.14 billion for Solana ETFs.
Now the big question how much does Solana need to flip XRP?
How Much Does Solana Need To Rally?Looking at the current numbers, Solana needs to climb to around $119, nearly a 46% jump from its current price of $81, if XRP remains trading around its current level of $1.10.
However, a price rally alone may not be enough. To flip XRP’s market cap, Solana also needs stronger network growth, higher user activity, and continued institutional demand.
Story Ends Here
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The XRP market is preparing to exit a prolonged tailspin after, according to observations by well-known crypto analyst Ali Martinez, the popular SuperTrend technical indicator triggered a buy signal on the token's 4-hour chart overnight for the first time since mid-June.
Against this backdrop, the price of the token began to show signs of recovery, forming a stable rising base around $1.08–$1.10 after last week's wave of sell-offs.
According to historical statistics cited by Martinez, the current switch of the indicator into the "green zone" opens a direct path toward the $1.25 price level, which implies potential market growth of 14%.
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XRP price outlook in context of SuperTrend indicator, Source: Analyst Ali MartinezIn his analysis, Ali Martinez pays special attention to the high accuracy of this algorithm in the past — the last time it issued a similar buy recommendation, it was followed by a rapid rally that sent the price of XRP up by 14%.
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The effectiveness of the model is also confirmed in a falling market. According to historical data, SuperTrend previously identified the start of two of XRP's largest local declines — of 19% and 16% — without error, warning investors in time about the need to lock in profits. The switch of the indicator into bullish mode right now indicates that selling pressure in exchange order books has been exhausted.
Roadmap to $1.25: Three steps for XRP buyersRight now, a key confrontation is unfolding on exchanges. In order for the 14% impulse outlined in Martinez's analysis to fully play out and take the price toward the $1.25 target and above, buyers need to solve three tasks in sequence:
Breakout above $1.10: XRP has moved very close to this level. Bulls need a clean impulse breakout above this mark to confirm a real inflow of buying liquidity.Overcoming the $1.13–$1.15 zone: This range is an intermediate resistance area, where a temporary pause is possible due to profit-taking by speculators.Move toward the $1.25 target: This is the final point of the roadmap, and consolidation above it would mean the final breakdown of the downtrend.At the same time, the key safety zone for the entire bullish scenario remains the support block around $1.00–$1.04. As long as XRP holds above these values, the mathematical expectation of growth remains in force. A cancellation of the scenario and a drop below $1.04 would return the asset to the critical psychological level of $1.00.
The XRP Ledger is flashing one of the most extreme on-chain readings in its 12-year history. Short-term and long-term traders are sitting on losses that have never been deeper on a combined basis, according to the Santiment update. The 30-day Market Value to Realized Value (MVRV) ratio hit -45%, while the 365-day MVRV slumped to -47%. Both cohorts are deeply underwater at the same time, a setup that historically preceded at least a temporary bounce.
The MVRV metric measures the average profit or loss of all coins currently in circulation. A reading far below zero means most XRP holders are holding positions that are worth less than when they were acquired. When both short-term speculators and long-term believers are this red, panic selling usually exhausts itself. Santiment’s data suggests XRP has never posted lower average returns across these two timeframes simultaneously. Yet even with this signal, the on-chain platform notes that prices can still dip further if the broader crypto market continues to struggle.
Risk-Reward Shifts at Extremes Extreme MVRV compression doesn’t guarantee an immediate reversal, but it does alter the risk calculus. When most of the selling has already been absorbed, incremental downside tends to be shallower. The -45% and -47% readings mean that a large chunk of the potential losses have already been realized by those who exited earlier. New buyers entering at these levels are effectively stepping in after the damage, not before.
This is the kind of setup that contrarian traders watch closely. In previous XRP cycles, multi-month lows in the combined MVRV preceded aggressive relief rallies, often when on-chain sentiment hit its worst point. The logic is straightforward: with so many holders underwater, the urge to sell fades, and any positive catalyst can trigger a squeeze. Still, the signal is not a standalone buy trigger. It works better as a contextual filter for assessing whether a position has become overly crowded on the downside.
Regulatory Overhang and Altcoin Divergence One reason the pain has persisted this long is the lingering regulatory uncertainty hanging over XRP and the wider altcoin market. Even as some tokens see sharp moves—recent weekly gainers like TON and SIREN for instance—XRP remains stuck in a downtrend, partly because the legal playbook for US-based crypto projects is still being rewritten. Banks are actively trying to derail the biggest crypto bill in US history just days before a critical Senate vote, adding to the climate of uncertainty. For an asset like XRP that has historically been tied to regulatory headlines, the floor may not be found solely by on-chain metrics.
The divergence among altcoins is also notable. While XRP prints historic MVRV lows, a handful of niche tokens are posting outsized weekly gains, suggesting capital is flowing toward momentum plays rather than value-oriented entries. That rotation could change quickly if XRP’s extreme undervaluation signal begins to align with a shift in risk appetite. For now, the on-chain pain point is laid bare, and the market will decide whether this is the bottom or just one more stop on the way lower.
AUTHOR
Jide Idowu is a skilled freelance writer with expertise in blockchain technology, cryptocurrency, and digital finance. Known for his ability to break down complex topics into clear, engaging content, Jide crafts articles, blog posts, and analyses that resonate with both beginners and seasoned professionals. His work spans a wide range of subjects, from emerging crypto trends to in-depth explorations of blockchain innovations. With a keen eye for detail and a passion for educating readers, Jide is a reliable voice in the rapidly evolving world of digital assets.
XRP has gradually erased its bull run gains over the past eleven months and now trades at a crucial Fibonacci level that holds significance to its bull structure.
XRP enters July 2026 at what many see as its most important technical point since the start of the bull run. The asset had earlier climbed from about $1.05 in the second week of November 2024 into an all-time high of $3.66 in July 2025.
However, since then, it has spent eleven months gradually losing these gains. Now, XRP trades at $1.1, sitting just above the 1.0 Fibonacci retracement level at $1.00795.
This level is important because it marks a full return to the starting point of the entire rally. Although the first weekly candle of July shows a 5.07% gain, the broader chart structure suggests that the situation is still fragile.
The Final Fibonacci Support for XRP Toward the end of June, XRP fell to $1.009, its strongest test of the $1 level since November 2024. Slightly below this, the 1.0 Fibonacci level at $1.00795 reflects a complete retracement from the cycle low to the July 2025 peak.
Throughout the eleven-month decline since August 2025, XRP lost key Fibonacci levels one after another. The 0.382 level at $2.65117, the 0.618 at $2.02366, the 0.786 at $1.57696, and the 0.888 at $1.30575 all broke down and flipped to resistance.
XRP Fibonacci Resistance and Support Levels If XRP manages to hold above $1.00795 on a weekly closing basis, it could give buyers a base to build from. However, if it drops below this level, bears will have an opportunity to start targeting sub-$1 levels.
Specifically, the $0.8 to $0.9 range could act as the immediate defense. Below this, the 1.13 extension at $0.66229 becomes the next support, followed by the 1.272 extension at $0.28472. These levels suggest possible declines of 82% and 92% from the July 2025 peak.
Downtrend Still in Control Meanwhile, a descending trendline that started from the July 2025 peak continues to limit every recovery attempt and confirms that the downtrend remains in control despite the mild July rebound.
XRP Weekly Descending Trendline XRP recently reached a weekly high of $1.11, as buyers started testing the resistance at the trendline. However, the price pulled back slightly to $1.09969, leaving the breakout uncertain. A confirmed weekly close above this trendline would be the first sign of a shift in structure since the peak.
So far, this trendline has held firm. Every bounce since August 2025 has failed at or before reaching it. Until XRP breaks above it, the overall trend remains bearish.
XRP Faces Resistance from the Ichimoku Cloud Also, the weekly Ichimoku Cloud presents further resistance above the current price. The Tenkan-sen stands at $1.27885, while the Kijun-sen is at $1.71205. Both are well above current levels, showing that momentum has not yet turned positive.
For any recovery to continue, XRP must first move above the Tenkan-sen at $1.27885 and then push toward the Kijun-sen at $1.71205. Only after that can it begin to challenge the cloud itself.
XRP Ichimoku Cloud The projected cloud spans from Senkou Span A at $1.49545 to Senkou Span B at $2.33696, covering a wide range of $0.84. This wide zone shows strong resistance ahead.
For XRP to break above the cloud at $2.33696, it would need to overcome all remaining Fibonacci levels, move above four major moving averages, and clear the entire cloud structure. This makes a near-term move toward the 0.382 level at $2.65117 a very ambitious scenario.
Early July Signals and What Comes Next The first July weekly candle shows some positive signs. XRP opened at $1.04646, reached a high of $1.11, and now trades at $1.1.
On-chain data also shows the market boasts some strength. Specifically, XRP spot ETF inflows have stayed positive for eight straight weeks. In the week of June 26, inflows reached $22.99 million, bringing total net inflows to $1.47 billion.
Meanwhile, exchange outflows rose from 40.7 million XRP on June 22 to around 123 million XRP in later sessions. This nearly 200% increase suggests that larger players may be accumulating. Still, the market faces substantial risks.
For XRP to recover, it must move through key resistance levels step by step. The first target is the 0.888 Fibonacci level at $1.30575, which sits close to the Tenkan-sen at $1.27885. After that, the next level to watch is the 0.786 at $1.57696.
However, XRP still trades below its 20-day EMA at $1.11, 50-day EMA at $1.20, 100-day EMA at $1.31, and 200-day EMA at $1.52. These levels form a strong barrier that the asset must overcome to confirm any lasting recovery.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
Catherine Austin Fitts, former Assistant Secretary of Housing and Urban Development and one of the most outspoken critics of central financial control systems, has made her position on Ripple and XRP unusually clear: she believes they are central to the financial infrastructure being built right now, while Bitcoin is not.
“XRP and Ripple will be exceptionally important to whatever the train tracks they’re building,” Fitts said in a recent interview. “I don’t see Bitcoin as being an important part of that.”
Why Ripple and Not Bitcoin
Fitts drew a sharp distinction between Bitcoin’s role as a digital asset and XRP’s role as functional payment infrastructure. Her argument is not ideological but practical. Bitcoin, in her view, is not an efficient payment system and lacks the fundamental utility required for the cross-border settlement rails that financial institutions are rapidly building out.
She pointed to institutions actively integrating networks through Ripple and Stellar, using XRP and XLM for cross-border payments, as evidence that the choice of infrastructure has already been made at the institutional level. The question is not which asset wins the debate. The question is which asset gets embedded into the system that moves money globally.
The Prototype Theory
Fitts also offered a broader framework for understanding how financial infrastructure gets built, one shaped by decades of watching how powerful institutions develop and deploy new systems.
Her observation is that the people who run financial systems always prototype. They test, iterate and build incrementally, often persuading talented developers to contribute by framing the project as something liberating rather than controlling. By the time the full picture becomes clear, the infrastructure is already embedded.
In that context, her view of Bitcoin is particularly pointed. She suggested the more likely scenario for Bitcoin going forward is that it gets sold to sovereign governments as the institutional whales who got in early look for an exit, rather than becoming foundational infrastructure for the next financial system.
XRP, by contrast, is already doing the work that the next financial system requires: moving value across borders quickly, cheaply and at institutional scale.
Story Ends Here
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Like Bitcoin, altcoins have been experiencing intense selling pressure for weeks. One of these altcoins is undoubtedly XRP.
However, XRP has shown a significant recovery in the last 24 hours, rising to $1.10. This has attracted attention in the market, and popular cryptocurrency analyst Ali Martinez said that a key technical indicator has given the first buy signal since mid-June.
According to the analyst, XRP has given its first buy signal since June according to the SuperTrend indicator, suggesting a potential 14% increase in XRP price towards $1.24.
“The SuperTrend indicator has given a buy signal for XRP for the first time since mid-June.”
The last buy signal followed a 14% increase in XRP.
XRP Investors Suffer Huge Losses! Martinez predicts a significant rise for XRP, and Santiment’s data also paints a bullish picture.
Santiment’s MVRV data shows that XRP holders are facing the largest unrealized losses in XRP history. According to the data, the 30-day MVRV for XRP is -45%, while the 365-day MVRV has dropped to -47%.
Santiment’s MVRV data is historically interpreted as a signal of bullish accumulation.
“XRP’s average trading returns are at historically painful levels. Its 30-day MVRV is at -45% and its 365-day MVRV is at -47%, meaning both short-term and long-term traders are swimming in deep profits. These levels indicate that fear and disappointment are currently extremely high.”
Historically, the best opportunities arise when the crowd feels the maximum amount of pain, not in an environment of maximum trust.
*This is not investment advice.
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XRP investors are enduring one of the most severe periods of unrealized losses in the token’s history. Despite this challenging backdrop, on-chain data suggests that the current wave of selling might be nearing exhaustion—a scenario that could lay the foundation for a market rebound.
Historic lows for MVRV ratios signal extreme painAccording to Santiment data, XRP’s average trading returns have dropped to their lowest level in 12 years. The token’s 30-day Market Value to Realized Value (MVRV) ratio has fallen to negative 45%, while the 365-day MVRV stands at negative 47%. This indicates that both short-term and long-term holders are, on average, sitting on significant paper losses.
Mini glossary: MVRV, or Market Value to Realized Value, compares a crypto asset’s current market capitalization to the average acquisition cost of tokens held by investors. Negative levels indicate that the current market price is below the average cost basis, meaning most investors are underwater on their holdings.
Santiment pointed out that this is a first in XRP’s history, with both short and long-term MVRV ratios plummeting simultaneously to such depressed levels. The firm notes that this extreme scenario reflects rare pessimism among investors and pronounced market fatigue. Adding to the bearish picture, the monthly RSI indicator has also reached record lows in oversold territory.
According to Santiment’s findings, both the 30-day and 365-day MVRV ratios in XRP have hit all-time lows simultaneously, exposing investors to widespread unrealized losses.
If selling pressure eases, relief rally could gain groundHistorically, periods marked by fear and capitulation of this magnitude have often preceded major turning points in the market. Should selling pressure subside and weak hands exit, even modest buying interest can trigger a robust relief rally.
For this reason, Santiment highlights that extreme MVRV readings in crypto often correspond to prime accumulation zones. However, the firm also cautions that if broader market weakness persists, XRP could face renewed downward pressure.
IndicatorLevelSignificance30 day MVRVNegative 45%Short-term holders on average at a loss365 day MVRVNegative 47%Long-term holders deeply underwaterXRP price$1.10Range historically viewed as oversoldTechnical outlook and exchange outflows in focusCoinCodex data shows XRP was trading at $1.10 at the time of reporting—a level many analysts consider indicative of historic overselling in the market.
On the technical front, XRP continues to trade within a triangle pattern, forming progressively higher lows. Analysts associate this setup with periods when market momentum gradually builds, potentially setting the stage for a reversal.
Another positive sign has been the withdrawal of hundreds of millions of XRP from major crypto exchanges in recent weeks. This outflow, as investors move tokens from exchange wallets to private custody, often signals accumulation rather than imminent selling.
If overall market sentiment improves, the combination of record low MVRV ratios, sustained exchange outflows, and strengthening technical posture could pave the way for a meaningful recovery in XRP.
While volatility risks remain elevated in the short term, recent on-chain metrics point to one of the most robust accumulation zones ever recorded for XRP. Still, if broader market conditions fail to recover, downward risks for the token are not entirely off the table.
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.
According to a five-year projection by analysts, three distinct price scenarios for XRP are emerging for the period extending to the end of 2031, with estimates ranging from $1 to $25. The probability-weighted average price target is calculated at approximately $7.90, while the most likely range is expected to fall between $5 and $8.
Baseline scenario centers on $5 to $8 rangeThe report assigns a 50% probability to the mid-range scenario and allocates 25% each to both the pessimistic and optimistic forecasts. Within this framework, the baseline expectation points to a market capitalization for XRP between $325 billion and $520 billion, suggesting a price range within these levels.
Analysts highlight that XRP stands out from Bitcoin and Ethereum due to its emphasis on institutional applications. The asset’s value proposition is shaped more by needs such as cross-border payments, corporate financial services, and compliance-focused products, rather than retail investor demand.
Analysts assess that, in the most probable scenario, XRP could trade within the $5 to $8 band by 2031, with the probability-weighted target standing close to $7.90.
ETF inflows bolster institutional interestThe launch of regulated spot XRP ETFs in the United States has significantly shifted the token’s market dynamics. As of March 2026, net inflows to these investment products have surpassed $1.5 billion.
Asset management firms such as Franklin Templeton, Bitwise, Grayscale, Canary Capital, and 21Shares currently offer investors access to XRP ETFs. Goldman Sachs has also disclosed positions in these products, underscoring growing institutional interest from major traditional financial players worldwide.
Over $1.5 billion in net inflows moved into spot XRP ETFs in the US as of March 2026.
Analysts believe that ongoing demand through regulated investment vehicles will be a key factor influencing XRP’s valuation in the years ahead. The mid-range projection of $5 to $8 is closely tied to the gradual expansion of cross-border payment networks, tokenized securities, and institutional adoption.
Downside risks and upside potential closely watchedThe optimistic scenario envisions XRP reaching the $15 to $25 zone, contingent on more widespread adoption of XRP infrastructure for settlement and liquidity management by banks, asset managers, and payment companies. Continued capital inflows from ETFs and tighter supply on exchanges through increased institutional custody are also seen as important contributors in this scenario.
Conversely, the pessimistic scenario sees XRP remaining in the $1 to $2 range. The primary risk here is that even if Ripple—the fintech firm known for its payment networks and corporate blockchain solutions—grows its business, this expansion may not translate into proportional demand for the XRP token itself.
Analysts also draw attention to competitive pressures from Ethereum, Solana, fiat-backed stablecoins, and proprietary settlement systems used by financial institutions. While the regulatory landscape has improved recently, they note that uncertainty has not entirely disappeared.
On the other hand, the growth of tokenization applications on the XRP Ledger, the development of Ripple’s payments network, and the expansion of the RLUSD stablecoin ecosystem are highlighted as major positive drivers. Combined with increased institutional participation and the launch of regulated ETFs, these factors could play a defining role in shaping XRP’s five-year 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.
