Track market-moving stories before they get noisy

XRP is seeing growing activity in the derivatives market despite recent price weakness. 

The development suggests it could be setting up for a reversal once bearish sentiment reaches an extreme. The token is trading at $1.05, up 2.45% over the past 24 hours. 

However, XRP is still down 8% over the past week and has fallen 43% since the start of the year, reflecting broader weakness across the crypto market.

Open Interest Rises as Price Declines XRP’s open interest has continued to rise even as its price trends lower. Over the past day, XRP open interest rose by 1.13%, reaching $2.37 billion. This figure suggests traders are opening new leveraged positions during the decline. Notably, open interest options dipped 67% to $21.66 million while options volume surged 16% to $5.4 million.

XRP | CoinGlass The accompanying chart shows XRP futures open interest steadily increasing over recent months. Meanwhile, the token has continued to post lower highs and lower lows.

Funding rates have also turned negative. This means short traders are paying long traders to keep their positions open, a sign that bearish sentiment is becoming more dominant in the perpetual futures market.

Negative Funding Could Support a Rebound Rising open interest and negative funding are creating conditions that may support a potential reversal. The market appears to be “charging up for a reversal,” one analyst observed. However, buyers may need to regain momentum before bulls can take control. 

Negative funding rates can sometimes precede sharp rallies. If the price suddenly rebounds, heavily leveraged short positions may be forced to close, triggering a short squeeze that pushes prices even higher.

Possible Sweep to $0.95 Despite the longer-term bullish outlook, XRP could first revisit $0.95. Many market watchers, including Ali Martinez, have forecast a fall to this level and even lower.

The idea is that the market may target liquidity below current prices before reversing. Such liquidity sweeps happen when the price briefly moves into areas with large clusters of stop-loss orders. This can flush out excess leverage before a new trend begins.

If buyers step in after that move and overall sentiment improves, XRP could be positioned for a stronger recovery.

The Case for Deeper Bear Markets Notably, XRP is down about 69% from its July 2025 peak of $3.66. While significant, this decline is milder than past bear markets, which saw drops of 85%–96%, such as in the 2013–2014 and 2018–2020 cycles.

If XRP matched its worst historical drop (96%), the price could fall near $0.15, about 87% below current levels. Ali Martinez recently floated this target as a possibility, which would place XRP at a level last seen in 2017.

Regardless of how low the coin may go, many believe buying XRP under $1 offers significant opportunity for the next bull run.

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.

Jun 27, 2026, 7:58 a.m.

2 min read

Summary

Ripple CEO Brad Garlinghouse said he remains bullish on bitcoin but argued that Michael Saylor’s preferred-share funding model for buying the token has hurt the broader crypto market.Garlinghouse criticized Strategy’s STRC preferred stock, which carries an 11.5% dividend and is designed to trade near $100, as a “damning indictment” of the strategy after it fell about 25% below par to a record low.The pressure on Strategy’s model has intensified as bitcoin slipped below $59,000.Ripple CEO Brad Garlinghouse said he remains bullish on bitcoin but that Michael Saylor's approach to funding bitcoin purchases has damaged the broader crypto market, in a CNBC interview on Friday, as the preferred stock at the center of Strategy's model fell to a record low.

"Financial engineering does not drive long-term value," Garlinghouse said, arguing that the lasting value of any digital asset comes from its usefulness. "Team Michael Saylor wasn't focused on the right stuff and that has hurt the overall market."

He separated that from his view on the asset itself, saying he is still bullish on bitcoin.

Garlinghouse's target was the machine Strategy has used to accumulate bitcoin. For about a year, the company has issued preferred shares, a class of stock that pays a fixed dividend, to raise cash for more bitcoin.

Its STRC share carries an 11.5% annual dividend and is engineered to trade near $100. Garlinghouse pointed to STRC trading about 25% below that level as a "damning indictment" of the strategy.

The stock hit a record low on Thursday, falling as much as 26% below par, while Strategy's common stock dropped to its lowest since February 2024 and closed around $82 on Friday, all as bitcoin fell below $59,000.

The criticism lands on a week of mounting pressure on the model.

CryptoQuant said in a report that Strategy should pause its bitcoin buying and rebuild its cash reserves, noting the cushion behind STRC's dividends has thinned from more than seven years of coverage to about 14 months. When STRC trades below $100, Strategy's engine for issuing shares and buying bitcoin stalls, which is why the company has paused it.

Benchmark-StoneX analyst Mark Palmer argued that Strategy's funding engine has become "less efficient" rather than broken, and rejected comparisons between STRC and assets that have collapsed outright.

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Equities on Crypto Rails: A Platform Comparison

Equities on Crypto Rails: A Platform Comparison

US equities on crypto rails: access is easy, on-chain composability is the real test. Only Binance and Backpack deliver both - and only Binance at scale.

Jun 26, 2026

US equities on crypto rails: access is easy, on-chain composability is the real test. Only Binance and Backpack deliver both - and only Binance at scale.

Why it matters:

US equities on crypto rails: access is easy, on-chain composability is the real test. Only Binance and Backpack deliver both - and only Binance at scale.

The 90-day moving average for the XRP Profit/Loss Ratio has dropped to lows the market last saw during the 2022 bear cycle.

This comes as XRP witnesses deeper declines alongside the rest of the crypto market. Specifically, the price collapsed to a new yearly low of $1.0079, dangerously close to losing the $1 psychological mark. Despite recovering to $1.05 at press time, XRP is still down 8% in the past week.

XRP Realized P/L Ratio Hits 2022 Bear Market Lows According to data provided by market intelligence resource Glassnode, this sustained price decline has now pushed the 90-day moving average (MA) for the XRP Profit/Loss Ratio to 0.33, a low the asset last recorded in August 2022, during one of its most devastating bear markets.

For context, the Realized Profit/Loss Ratio compares the total value of coins sold at a gain with those sold at a loss over a specific period. A reading above 1 shows that profits outweigh losses, while a reading below 1 indicates that losses exceed profits.

The 0.33 reading indicates that, among investors who are actively selling, losses significantly outweigh profits. Specifically, for every $1 in losses that investors realize, only $0.38 in profits is being taken. Notably, this does not refer to total selling volume, but to the balance between profitable and unprofitable transactions.

XRP Realized Profit/Loss Ratio | Glassnode Each new drop in the ratio shows that more investors are exiting their positions at a loss, and profit-takers no longer generate enough gains to balance out those losses.

Historical Data Interestingly, despite the ongoing downtrend triggering severe declines as far back as October 2025, the XRP Profit/Loss Ratio did not slip below the 1 baseline until April 2026, as XRP struggled around the $1.3 to $1.4 price level.

By early June, the ratio had collapsed to 0.38, seeing a steep crash after April. XRP has since given up the $1.3 to $1.4 price range, retracing to retest the $1 psychological level. This downward price action pushed the Profit/Loss Ratio to the current reading of 0.33.

During the 2022 bear market, this metric did not slip below 1 until after the Terra ecosystem collapse in May, which led to losses across the crypto market. After reaching 0.33, the metric continued to decline, hitting a low below 0.2, as XRP’s price dropped to $0.31 by June 2022.

While multiple XRP community members believe the recent reading may point to a potential bottom, it is important to note that XRP remained under pressure for months even after the ratio dropped below 1 in 2022. Notably, it wasn’t until September 2022 that the metric recovered above 1, and a full-blown rally only emerged in November 2024.

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 has regained strength following its recent sharp pullback, with analysts tracking technical indicators noting a notable rebound in the price outlook. Market observers highlight the emergence of a double bottom formation in the asset, which could pave the way for a new bullish trend.

Double bottom pattern stands out in technical outlookAnalyst Crypto With Gopal emphasized that buyers have strongly defended a key support area, suggesting that downward pressure is beginning to weaken. The repeated recovery of the price from lower levels is seen as a sign that accumulation is quietly picking up.

In technical analysis, a double bottom pattern is considered a bullish reversal structure. This formation occurs when an asset tests the same support level twice without falling further, indicating that sellers are losing control and buyers are gaining confidence.

XRP’s repeated bounces from recent lows indicate that the current price range is attracting investor interest. This pattern suggests that some market participants view the latest drop not as the start of a deeper correction, but as a buying opportunity.

During the most recent correction, Crypto With Gopal observed that buyers continued to counteract selling pressure, preventing XRP from setting new lows and raising expectations for a larger price movement.

Why is the $1.10 level under close watch?In the short term, the $1.10 threshold has become the focal point for the market. According to CoinCodex data, XRP is trading at $1.06, positioned just below this strong resistance region. Whether XRP can break above $1.10 is seen as a key indicator for its next move.

Analysts warn that a brief move above resistance may not be sufficient. A convincing breakout above $1.10, bolstered by significant trading volume, is needed to confirm the double bottom formation. Rising volume in technical analysis often signals firm buying interest rather than fleeting attention.

If XRP can overcome the resistance with substantial trading activity, investors may begin to target higher price levels. Conversely, a rejection near $1.10 could see XRP remain in a sideways range for some time, as the market waits for clearer momentum to develop.

Long-term expectations back in focusThe strengthening technical setup has reignited discussions around XRP’s long-term potential. Some analysts believe the current consolidation could lay the groundwork for a larger rally. In this scenario, a confirmed breakout might support projections for XRP to approach the $4 region over time.

However, analysts caution that a sustained rally will require more than just technical patterns. Continued buying appetite, improved market sentiment, supportive macroeconomic conditions, and broader adoption of crypto assets are viewed as key drivers for the strength of any potential uptrend.

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 company highlighted its most significant achievements for 2025.

Blockchain payments company Ripple has released its 2025 Annual Impact Report, detailing support for education, financial inclusion, sustainability, and humanitarian programs. Since 2018, the company has donated more than $250 million, including over $70 million contributed in 2025.

The report also highlighted how Ripple’s blockchain tools, including the XRP Ledger and the RLUSD stablecoin, supported projects focused on economic opportunity and financial access. These efforts included programs in emerging markets, microfinance, and humanitarian aid through partnerships with nonprofit organizations.

Ripple Expands Its Global Impact Ripple committed $25 million in RLUSD to support underserved U.S. small business owners and career programs for military veterans. The company also helped partners deploy $53.6 million and supported nearly 12,000 water and sanitation loans through Water.org.

Several non-profit partners described Ripple’s funding as long-term support rather than one-time donations. The International Rescue Committee also continued exploring stablecoins as a tool for delivering faster cash assistance during humanitarian emergencies.

The report also outlined Ripple’s support for blockchain research and education through its University Blockchain Research Initiative. Now in its seventh year, the program spans 62 universities, has awarded $74 million since 2018, and supported 198 XRPL projects in 2025.

Research funded through the initiative covered stablecoins, tokenized real-world assets, decentralized finance infrastructure, cryptographic security, interoperability, artificial intelligence governance, and blockchain applications. Some projects focused on quantum-resistant improvements for the XRP Ledger, privacy technologies, and tools to detect price manipulation in decentralized finance markets.

Progress Across Climate and Community Initiatives Ripple’s report highlighted its environmental efforts through blockchain-based climate projects. The company said it has invested $31 million in climate initiatives and retired 1,000 tonnes of carbon dioxide equivalent through sustainable aviation fuel credits in 2025. It also plans to retire 93,000 tonnes by 2030.

You may also like: XRP’s Slide to Sub-$1.00 Could Set Up ‘Risk-Reward’ Zone: Analyst XRP Selling Pressure Intensifies as Profit-to-Loss Ratio Reaches Multi-Year Low Major Ripple (XRP) Adoption News for Users in Japan: Details Beyond environmental initiatives, Ripple said employee participation reached its highest level since the program began. About 80% of employees joined volunteering and donation efforts, supporting 544 nonprofit organizations while raising $550,000 for charitable causes.

Alongside these social and environmental efforts, Ripple highlighted broader blockchain adoption through its programs. The firm said active users increased 37% and transactions rose 113% year over year. Tokenized real-world assets on the XRP Ledger expanded from $24.7 million to $568 million during 2025, while total network transactions surpassed 3.8 billion.

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The XRP UTXO Realized Price Distribution metric has identified XRP’s most potent support below $1, where 1.16 billion XRP transacted.

The ongoing crypto market downturn has lingered into its ninth month, and XRP remains one of the biggest victims, having collapsed by more than 71% from its all-time high of $3.66. With XRP now trading for $1.04, investors continue to assess where it could finally find its bottom.

Interestingly, data from the UTXO Realized Price Distribution (URPD) indicator reveals important price levels below $1 traders should watch for possible support, with the strongest support sitting at $0.62, where up to 1.16 billion XRP transacted.

Next XRP Support Level Below $1 For context, this UTXO Realized Price Distribution (URPD) shows how much of XRP’s supply last moved at different price levels, indicating where holders bought their coins. It highlights price zones with heavy accumulation by grouping these “realized prices” into bands.

Areas with large concentrations of coins often act as support, because many holders are in profit or near breakeven there and are less likely to sell, while buyers may step in again. As a result, the URPD metric helps to spot strong historical demand zones where the price is more likely to stabilize or bounce.

Now, with XRP already retesting the $1 psychological mark, some market participants expect a potential breakdown below this mark. Should this play out, the URPD suggests that the next important support area for XRP could sit at the $0.80 price level, where 923 million XRP transacted.

Interestingly, multiple market analysts have long identified the $0.8 area as a potential magnet for XRP, suggesting that the price could gravitate toward this area. However, these analysts believe the $0.8 level could act as XRP’s bottom for the ongoing downtrend.

XRP UTXO Realized Price Distribution Metric Why the $0.62 Area is Important  Meanwhile, below $0.8 lies a massive volume block around $0.62. The last time XRP saw the $0.62 level was in November 2024 during its meteoric upsurge from $0.5 on the back of the Donald Trump-led market rally. 

This explains the large volume block, as most investors entered the market at this time to take advantage of the upsurge. Data shows that XRP features a transaction volume of 1.16 billion tokens at this price level, making it the largest volume block below $1.

This area is important because most of the investors who bought at this level are less likely to sell off their assets, solidifying it as a potent support area. At the same time, buyers could again regard the area as another good entry point, leading to increased buying pressure and a potential rebound push.

Meanwhile, The Crypto Basic confirmed in an earlier report that most of the XRP investor base is witnessing severe losses, as the Realized Profit/Loss Ratio hits lows last seen during the 2022 bear market. Should XRP collapse further to $0.62, this metric will likely slump to the lowest levels from 2022, potentially culminating in the cycle bottom.

Below $0.62, XRP faces another substantial volume block involving 1.06 billion transacted at $0.51. This likely reflects the buying pressure XRP witnessed at the early stages of the November 2024 rally.

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 CEO Brad Garlinghouse criticized Strategy Chairman Michael Saylor’s method of financing Bitcoin purchases. Garlinghouse stated that financial engineering will not create long-term value in digital assets, arguing that the true value of crypto assets should be based on use cases and utility.

Speaking to CNBC, Garlinghouse targeted Strategy, led by Saylor, for resorting to financial instruments like preferred stock to continue its Bitcoin purchases. The Ripple CEO stated, “Financial engineering doesn’t create long-term value. The long-term value of any digital asset is determined by its use case.”

Garlinghouse considered the fact that Strategy’s STRC preferred shares were trading approximately 25 percent below their nominal value of $100 as an indicator of problems in the company’s strategy. STRC shares carry an annual cumulative dividend obligation of 11.5 percent and are used by Strategy to finance additional Bitcoin purchases.

Ripple’s CEO argued that this approach had negative consequences not only for Strategy but also for the overall crypto market. Garlinghouse stated, “Michael Saylor’s team didn’t focus on the right things, and this harmed the overall market.” However, Garlinghouse added that he remains optimistic about Bitcoin in the long term.

*This is not investment advice.

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XRP price rose 4% over the past 24 hours, reaching $1.06 as buyers defended the key $1.00 zone. The transfer came after newfound confidence in Ripple due to regulatory advances in Europe. 

The EU’s MiCA framework gave Ripple the EU stamp of approval, which brings more confidence to institutional market participants

The rebound also followed the price of XRP trading near oversold conditions.  As general sentiment turned more positive for major cryptocurrencies, that level attracted dip buyers. Bitcoin price is up 1.99% to $60,326 in 24h, closely tracking a 2.04% rise in the total crypto market cap.

Ripple CEO Questions Saylor’s Bitcoin Strategy Brad Garlinghouse, the Chief Executive Officer of Ripple, has written a rebuttal to Michael Saylor’s Bitcoin accumulation strategy, arguing that “crypto has to be more than balance-sheet tactics.” 

In the recent CNBC interview, Garlinghouse stated that “financial engineering has no ability to create long-term value for the industry.” He stated that the real needs are products, payments and networks that people can use.

@bgarlinghouse just went on @CNBC and said what nobody in Bitcoin wanted to hear 👀@Strategy ‘s “financial engineering” buying model? He called it unsustainable and said it’s actively hurting the market

Utility wins long-term. Every time. $XRP $BTC pic.twitter.com/R672Em8AGt

— Xaif Crypto (@Xaif_Crypto) June 27, 2026

Garlinghouse was positive about Bitcoin’s future in the market. “Still, Strategy’s funding model could have taken focus away from adoption in practice.” He pointed to STRC shares trading about 25% below par as a sign of stress.

Despite the market pressure, Strategy has been continuing to purchase Bitcoin. However, Bitcoin has been coming close to $58,000 recently, again attracting investor attention to leverage and funding risks. 

Borrowing additional capital to acquire additional bitcoins isn’t creating sustainable crypto value, Garlinghouse said.

XRP ETF Inflows Rise as Total Assets Reach $934.26M XRP spot ETFs recorded $15.63 million in daily net inflows on June 26. Total net assets were valued at $934.26 million, whereas XRP’s price was around $1.05. Bitwise had the largest inflow of $11.66 million. 

Source: Sosovalue data SoSoValue data shows Franklin’s XRPZ next at $3.97 million. Canary, 21Shares, and Grayscale reported no daily inflows. Bitwise also had the biggest net assets of $293.49 million. XRPZ and Canary followed with $235.20 million and $234.97 million, respectively.

XRP Price Holds Above $1.05, Is a Breakout Coming Soon? The XRP price on the four-hour chart remained in a mild recovery mode within a bull market channel, trading at $1.0631.

The token moved higher on the $1.05 level, and buyers were still holding on to the broader $1.00 support area.

That base is still significant as a breakdown there would place XRP on another test near $1.00.  The initial upside resistance level comes in at $1.10, with the latest resistance range clearly marked.

A break above $1.10 would pave the way to $1.15 on the next session. The price of XRP could continue to rally upwards to the $1.20 resistance area.

Source: XRP/USDT 4-hour chart: Tradingview The RSI at 46.71 is a sign of improving momentum, but bulls have yet to dominate the situation. 

The MACD is also recovering, and the bearish pressure has eased off the short term bounce. But losing $1.05 could ruin the scenario and stall the breakout move.

Ripple’s [XRP] decline continued after leveraged buyers lost control, pushing the altcoin down to $1.02, its lowest value since early February. Initially, the price slipped toward $1.07 before triggering nearly $9 million in long liquidations on the 25th of June.

Binance led with about $4.5 million, highlighting the concentration of the leverage that existed within one exchange. As forced selling intensified, derivatives traders rapidly reduced exposure instead of adding fresh positions.

Binance Open Interest dropped to nearly $205 million, marking its lowest level since the 22nd of March. Meanwhile, Bybit Open Interest fell to around $185 million, reinforcing the domino effect of the catastrophe.

Source: CryptoQuant This synchronized decline suggests speculative excess has largely been flushed from the market. Such resets typically take some pressure off the downside because they eliminate the weakly positioned leveraged sellers.

Otherwise, lower leverage alone may stabilize volatility without generating a sustained recovery. The next directional move will likely depend on whether fresh buyers replace liquidated positions or continue waiting on the sidelines.

ETF demand tightens XRP supply XRP ETF demand is tightening available XRP supply despite the market weakness. The net inflow reached 4.82 million XRP during week 26, driving total ETF holdings up by almost 10% to 938.73 million XRP, which accounts for approximately 1% of the currently circulating XRP.

With each new ETF creation requiring the purchase of additional Spot XRP, this gradual reduction in available XRP on the open market can help limit the amount of sellable inventory or reduce potential selling pressure.

Source: XRP Insights On the other hand, despite the fact that institutional buyers are accumulating significant amounts of XRP via the ETFs, no corresponding increase in participation from the broader spot market has been seen.

As such, prices have continued to be pressured downward. In addition to the decrease in price, valuations have also declined from over $1 billion at one time down to $989 million at present.

As such, it appears that institutional buying power has increased more than the valuation of XRP.

If ETF inflows persist alongside stronger spot demand, shrinking liquid supply could increasingly amplify future price recoveries. Otherwise, accumulation may continue without triggering an immediate breakout.

Final Summary Ripple’s leverage reset has reduced speculative pressure, but sustained recovery still depends on fresh spot demand returning. XRP ETF accumulation continues tightening liquid supply, though stronger Spot participation remains essential for a lasting breakout.

Cardano founder Charles Hoskinson has highlighted the success of Midnight’s Glacier Drop as a major driver of new user adoption for the Cardano ecosystem. 

In a recent commentary, Hoskinson described the Midnight project as a success story, pointing to the impact of its Glacier Drop campaign. Beyond distributing tokens to eligible participants across multiple blockchain ecosystems, he emphasized that the initiative introduced thousands of users from rival networks to Cardano’s infrastructure for the first time.

Glacier Drop Attracts Users From Multiple Blockchains: Hoskinson  According to Hoskinson, the airdrop attracted holders from Bitcoin, XRP, and several other blockchain ecosystems. To claim their NIGHT tokens, eligible users had to interact directly with the Cardano network. Notably, many participants used Cardano wallets and decentralized applications for the first time to complete the redemption process.

Midnight is a privacy-focused partner chain designed to deliver programmable privacy features for enterprises and real-world applications while remaining connected to the broader Cardano ecosystem.

Through the Glacier Drop initiative, Midnight distributed NIGHT tokens to users across ecosystems such as the XRP Ledger, Bitcoin, and Solana instead of limiting eligibility to Cardano holders alone.

Users who held at least $100 worth of eligible native assets qualified for the airdrop and became eligible to receive a share of the NIGHT token allocation.

To complete the claim, participants had to:

Visit the Glacier Drop portal. Sign a transaction using their wallet on the originating blockchain. Provide an unused Cardano address as the destination wallet. Receive their NIGHT tokens directly on the Cardano network. Hoskinson Sees the Process as an Onboarding Engine Hoskinson believes this redemption model will serve as a powerful onboarding mechanism for Cardano.

By requiring users from competing ecosystems to interact with Cardano infrastructure, the Glacier Drop encouraged them to explore Cardano wallets, decentralized applications, and transaction processes firsthand.

As users claim their rewards, some might become active participants in the Cardano ecosystem rather than passive recipients of an airdrop.

Midnight’s Popularity Surged After Launch The Glacier Drop also played a major role in Midnight’s early momentum. NIGHT quickly became one of the most trending crypto assets globally for several weeks following its launch. The token also reached a market cap of $1 billion within weeks.

The initiative also generated significant activity on Cardano. Within just 42 days, Midnight-related activity recorded 354,000 transactions on the network.

Today, the ecosystem continues to expand, with Midnight recording 77,311 unique wallets and 929,540 transactions linked to the project. However, the market valuation of NIGHT has plummeted to $504 million at press time, translating to a unit price of $0.03035. 

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 released its 2025 Ripple Impact Report, highlighting how blockchain technology and digital assets are being leveraged for humanitarian aid, education, financial inclusion, and research worldwide. According to the report, the company reached millions of people through various social initiatives across diverse regions and has increased investments directed at underserved communities throughout the year.

Key figures from Ripple’s latest reportThe report reveals Ripple contributed more than $70 million in 2025 alone to social impact projects, bringing its total social benefit funding to over $250 million since 2018. Ripple, known for developing payment infrastructure and digital asset solutions, emphasized the scale and reach of its impact initiatives in recent years.

Ripple President Monica Long emphasized that the company has moved beyond experimentation, bringing blockchain technology into real-world use cases within finance and humanitarian sectors.

Employee engagement was also a focal point, with the report noting 80% of Ripple’s staff participated in volunteering and donation-based activities. Additionally, the company’s University Blockchain Research Initiative program has expanded to 62 universities globally, demonstrating its commitment to fostering education in the industry.

Ripple noted that its products—including RLUSD and XRP Ledger—have been integrated into payment networks. These integrations aim to make money transfers faster and more efficient for a range of users worldwide.

Glossary: RLUSD is described as a stablecoin connected to the Ripple ecosystem. The XRP Ledger stands out as an open-source blockchain infrastructure used for payments and asset transfers.

Support for small businesses and veteransIn the United States, Ripple dedicated $25 million worth of RLUSD to small businesses with limited access to financing, as well as to job-seeking veterans and military spouses. The report also highlights a $53.6 million investment in small businesses via the Accion Opportunity Fund, further demonstrating Ripple’s commitment to financial inclusion.

The company detailed its ongoing five-year partnership with Mercy Corps Ventures, stating that their joint efforts have reached 14.4 million people across Africa and Latin America. Within this partnership, support was provided to 29 startups, 20 technology pilot programs were implemented, and more than $500 million in follow-on funding was enabled for participant companies.

ProgramAmountTotal 2025 contributionOver $70 millionTotal impact funding post-2018Over $250 millionUS small business program$25 million RLUSDAccion Opportunity Fund investment$53.6 millionInitiatives across Africa, Latin America, and educationOne project highlighted in the report is a drought response pilot in Kenya. By utilizing RLUSD in combination with satellite imaging and smart contracts, this initiative reduced transaction times by 95%, cut costs by 64%, and eased financial pressure for 85% of participants.

The report shared that, in the Kenya pilot, combining RLUSD, satellite data, and smart contracts led to a 95% reduction in transaction times and a 64% decrease in costs.

Ripple’s activities also extend to education and entrepreneurship. The University Digital Asset Xcelerator program supported nine startups built on the XRP Ledger, and 30% of these ventures secured further investment from 13 venture capital firms. Meanwhile, through the XRPL Student Builder Residency, 18 university students developed blockchain applications.

Based on the outcomes of its ongoing programs, Ripple announced plans to further expand the use of RLUSD and XRP Ledger in humanitarian aid, donations, research, financial inclusion, and educational initiatives in the coming years.

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.

PANews June 27 news, according to SoSoValue data, yesterday (Eastern Time June 26) XRP spot ETFs saw total daily net inflows of $15.632 million.

The XRP spot ETF with the largest net inflow yesterday was the Bitwise XRP ETF (XRP), with a single-day net inflow of $11.6648 million, bringing its historical total net inflows to $493 million.

It was followed by Franklin XRP ETF (XRPZ), with a single-day net inflow of $3.9673 million, and its historical total net inflows have reached $410 million.

As of press time, the total net asset value of XRP spot ETFs stands at $934 million, with an XRP net asset ratio of 1.44%, and cumulative historical net inflows have reached $1.47 billion.

Analysts are watching former resistance levels from 2023 and 2024 that could now become long-term support zones.

XRP is trading near the $1.00 level, down about 9% in the last seven days and more than 52% over the past year.

But UK-based technical analyst ChartNerd is suggesting that the deeper the Ripple token falls from here, the better the potential risk-reward setup becomes, with a possible demand zone between $0.90 and $0.70 if $1.00 gives way.

What the Charts Are Saying ChartNerd has been tracking this setup since at least June 12, when he published a thread laying out the macro picture. According to him, XRP spent most of 2023 and into late 2024, capped below $0.80/$0.70 resistance that acted as a ceiling up until there was a breakout in Q4 2024.

That breakout, he says, was what eventually pushed XRP to its all-time high of $3.65 in July 2025, and since then, the trend has gone the other way, with key moving averages lost and a weekly 20/50 EMA death cross confirming the structural change, and the asset dropping from its January 2026 peak of $2.40 all the way to where it is now.

Recall that in February, XRP hit a low of $1.12, after which it attempted a recovery, with a bunch of sideways trading eventually taking it near $1.55, where it was rejected. Per ChartNerd’s analysis, that rejection kick-started the current leg down to lows near $1.00 in June, putting it in what the market watcher called his “area of interest,” a zone where he has been keeping an eye out for a potential cycle bottom between now and Q4 2026.

In his view, the reason that zone matters is that the old resistance level from 2023 and 2024 could switch to support. And if XRP holds anywhere in the $0.90 to $0.70 range during any deeper market drop, the previous ceiling will become the floor.

“This is a high-interest support region, but confirmation still matters most, and we do not have it yet,” he wrote at the time.

But now, the analyst believes XRP’s decline is pushing it further into the area of interest, and the more it falls, “the stronger the risk-reward setup becomes.” He said that he’s also watching the 10-year Gaussian Channel, which, according to him, XRP is now entering, and which has not failed as a guardrail for as long as he has tracked it.

You may also like: XRP Selling Pressure Intensifies as Profit-to-Loss Ratio Reaches Multi-Year Low XRP’s Price Could Explode to $8, But This One Zone Is Holding It Back 5 Reasons Why Bitcoin Just Crashed Below $63K as Liquidations Top $500M On the timing question, ChartNerd stated in a different post that there is a “very strong likelihood” that a market bounce could happen in the coming weeks as June ends, something that is consistent with what Bitcoin tends to do in midterm years. However, he added a caveat: it will probably be a relief rally that leads to a final drop in the last quarter of the year.

The On-Chain Picture Elsewhere, analyst Ali Martinez said that XRP is testing a major volume block at $1.06, where on-chain data shows more than 830 million tokens changed hands. Below it, the next important clusters on the UTXO Realized Price Distribution are at $0.80, $0.62, and $0.51.

At the same time, another market watcher, CasiTrades, observed that XRP was at its “most critical moment” in the current cycle, with buy orders placed at $0.93 and a deeper Fibonacci level at $0.87, framing the current fear as part of how bottoms actually form, not as a reason to sell.

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Michael Saylor: Strategy is operational

Michael Saylor issued a statement noting that Bitcoin is operating normally, and so are we (Strategy).

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Two renowned Chinese hedge fund managers have warned that global AI stocks have formed a "super bubble" and are on the verge of bursting. Yang Dong, founder of Ningquan Asset, explicitly warned in the "2026 Semi-Annual Investment Report" released on June 23 that a "super bubble" has formed in global AI stocks, and a crash may be imminent. The report bluntly stated that a large number of hot A-share stocks are very likely to drop by 80% or even over 90% in the future, adding that "if one lacks the ability to pull chestnuts out of the fire and emerge unscathed, taking such risks would be irresponsible to investors." Yang Dong accurately predicted the peak of the 2007 bull market. Separately, Li Bei, founder of Shanghai-based Banxia Investment, noted in her June 21 monthly report "To Banxia Investors" that "the triggering conditions for the AI bubble to burst have emerged." Taking Anthropic's ARR (Annualized Run Rate) as an example, she argued that revenue growth at downstream model companies has slowed significantly, their full-year results are likely to fall well short of market expectations, and a subsequent decline in capital expenditure is highly probable.

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The Israeli military will reduce its forces stationed in southern Lebanon.

According to Israel's Army Radio, the Israeli military will reduce its forces stationed in southern Lebanon and withdraw several combat brigades.

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Serenity's trade calls push CBRS to a short-term sharp rally, with a significant premium over post-market prices on TradFi platforms.

Serenity's bullish calls drive Cerebras' short-term sharp surge. As of press time, the stock contract is trading at $188.26 on trade.xyz, up over 5% in the past hour. Meanwhile, the stock's after-hours price (markets are now closed) stands at just $182.3. Earlier reports noted that Serenity said it first bought Cerebras stock in the $170 range, citing a valuation premium from its OpenAI partnership, though it pointed out the current valuation is slightly higher than profitable firms like JBL, while remaining bullish on Cerebras' potential as an AI inference leader.

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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.

Bears remain in control of the cryptocurrency market, pushing Bitcoin even lower than before. One of the most crucial psychological support areas has come back into focus as Bitcoin has resumed its downward trajectory after failing to maintain its recovery attempt in May. It is currently trading just below the $60,000 level. 

Technically speaking, the future is still uncertain. While the larger trend continues to produce lower highs and lower lows, Bitcoin is trading below its short-term and medium-term moving averages. Aggressive selling pressure has been applied to recent attempts to regain momentum, indicating that buyers are still reluctant to intervene at current levels. 

BTC/USDT Chart by TradingViewThe $60,000 mark is especially important because it was a key support zone and a consolidation area in earlier market phases. Bulls and bears frequently engage in intense market reactions around these levels, which makes them ideal battlegrounds. The current chart suggests that it is possible for Bitcoin to return to $60,000, and it might do so sooner rather than later. 

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There is little indication that a lasting bottom has formed because price action has already dropped into the low-$60,000 range and the bearish structure is still in place. It is impossible to rule out a move towards $60,000 or even a brief breakdown below it if sellers keep control. 

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Reaching $60,000 does not, however, guarantee that the market will keep collapsing. In the past, significant psychological levels have frequently generated new demand, particularly when sentiment turns overly negative. Additionally, the Relative Strength Index is getting close to oversold territory, indicating that the downward momentum may be stretching in the near term. 

Not whether Bitcoin can return to $60,000, but whether buyers will support it, is the crucial question. A robust response from that region could lay the groundwork for a recovery. On the other hand, if the level is not maintained, Bitcoin may experience a more severe correction and market sentiment may become even more pessimistic. 

XRP at the critical thresholdAs XRP continues to decline toward $1, it is getting close to one of the most significant psychological levels in its recent market history. Bulls have less and less room to regain control as selling pressure has increased since the market broke below a multi-month support zone in early June. 

Technically speaking, the situation is still difficult. After several months of developing a descending triangle pattern, XRP recently completed a bearish breakdown. A wave of selling that drove the asset toward new local lows and confirmed the wider bearish trend was sparked by the loss of support around the $1.30 area. As of right now, XRP is trading below all significant moving averages on the chart. 

XRP/USDT Chart by TradingViewThere are several layers of resistance because the 20-day, 50-day, 100-day, and 200-day trend indicators are all above the current price. This alignment usually indicates a market in which sellers are in control over both short-term and long-term periods. As of right now, the next significant support level is the $1 level. 

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Because traders see psychological round numbers as natural valuation zones, they frequently draw significant buying interest. However, every time bearish momentum increases, support levels weaken. Technical and psychological repercussions would probably result from a break below $1. From the standpoint of a chart, it would signify the disappearance of a significant threshold that has traditionally drawn demand. As traders reevaluate their expectations for the asset, such a move might trigger more stop-loss orders and raise volatility. 

Oversold conditions are starting to appear at the same time. The Relative Strength Index has shifted to lower levels, suggesting that short-term selling pressure may be getting stretched. This raises the likelihood of brief relief rallies if buyers choose to defend important support zones, even though it does not ensure a reversal.

Shiba Inu hits resistanceAlthough Shiba Inu is still trapped in a wider decline, recent price movement indicates that the bearish momentum may be waning. Even though SHIB is still trading close to yearly lows and below significant resistance levels, a number of technical indicators suggest that sellers may not have complete control over the market. Momentum indicators are the most obvious source of information. 

A bullish divergence has resulted from SHIB's Relative Strength Index failing to reach corresponding lows despite new local lows being recorded. Even if the asset has not yet begun a significant recovery, this pattern frequently emerges when selling pressure starts to lessen. Additionally, price action provides an intriguing narrative. SHIB formed a small descending wedge pattern throughout June, which is usually linked to slowing downward momentum. 

SHIB/USDT Chart by TradingViewEven though the asset broke lower in the end, the subsequent decline lacked the violent volume spikes that marked earlier selloffs this year. This implies that there may be a shortage of highly motivated sellers in the market. Positioning in relation to moving averages is another crucial element. SHIB is still below its 20-, 50-, 100-, and 200-day moving averages, indicating that the overall trend is still negative. 

The difference between the price and shorter-term moving averages, however, has begun to narrow. In the past, significant trend reversals frequently start with a decline in bearish momentum long before the price actually breaks above resistance. However, waning bearish pressure should not be mistaken for a confirmed bullish reversal. 

No significant resistance zones have been reclaimed by buyers, and the market structure still exhibits lower highs and lower lows. The larger downtrend continues until SHIB is able to break above its declining short-term trendline and create a higher low. Instead, the current configuration suggests a phase of transition. 

Although bears continue to dominate the chart, their impact seems to be less significant than it was during the steep drops observed earlier this year. SHIB may be more susceptible to a relief rally if the overall state of the cryptocurrency market improves and short sellers start taking profits and sidelined buyers return.

The Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) have jointly called for public comment on their approach to harmonizing regulatory frameworks for crypto futures. The proposed public comment on the SEC CFTC framework comes amid the recent approval of crypto perpetual futures in the U.S.

Calls For Public Comment On SEC CFTC Framework In a press release, the SEC and CFTC issued a joint request for public comment on potential approaches to further harmonize regulatory frameworks applicable to portfolio margining across securities, security-based swaps, futures, swaps, and related positions. The public comment period will remain open for 60 days after the publication in the Federal Register. This is significant as the CFTC notably regulates prediction markets, which trade swaps.

Furthermore, this follows the launch of crypto perpetual futures in the U.S., with Kalshi securing CFTC approval to offer BTC, ETH, XRP, and HYPE futures. The request for public comment on the SEC CFTC framework also comes amid the rise in tokenized securities, with platforms such as Hyperliquid offering perpetuals for these securities.

The SEC and CFTC noted that the request for comment will assist them in evaluating whether greater coordination or alignment in portfolio margining requirements may improve risk management efficiency, reduce unnecessary market fragmentation, and enhance consumer protections.

Meanwhile, this marks the latest coordination between the SEC and CFTC towards providing clear frameworks that boost the crypto and financial markets. As CoinGape reported, the SEC and CFTC are pushing to clarify the definitions of derivative products, including definitions of swaps and security-based swaps, and how to treat them.

A Move To Further Promote Innovation SEC Chair Paul Atkins noted that further harmonizing the SEC CFTC framework will ensure that jurisdictional overlap does not stifle innovation and efficiency. “Cross-margining offers a clear opportunity to unlock liquidity that remains frozen in separate accounts, and we encourage market participants to provide feedback on ideas that will help improve coordination between both agencies,” he said.

Commenting on this move, CFTC Chair Michael Selig said that fostering enhanced cooperation between the two agencies on portfolio margining promises to unlock untapped capital while ensuring a more robust risk management framework and market protections. The CFTC is currently facing a lawsuit from the CME over its approval of crypto futures.

The CME argues that crypto perpetuals are swaps, not futures contracts, and that the regulator approved these products the wrong way. These crypto futures are already seeing significant demand, with Kalshi’s products recording over $1 billion in trading volume in under two weeks after they launched.

Bitcoin and altcoins continue to experience sharp declines due to ongoing ETF outflows, a more hawkish Fed, and a stronger dollar.

As Bitcoin fell to levels as low as $58,000 in the recent decline, expectations for June on the forecasting market Polymarket were also reshaped.

At this point, investors are expecting a decline, especially for Bitcoin (BTC), Ethereum, and XRP.

According to Polymarket data, the price expectations for BTC, ETH, and XRP in June were as follows.

1. Bitcoin (BTC): Predictions titled “What Price Will Bitcoin Reach in June?” indicate that a decline in BTC prices is the dominant expectation.

A drop below $57,500 is the most likely scenario, with a 49% probability. This is followed by a 37% probability of Bitcoin rising above $62,500. This is followed by a 19% probability of Bitcoin falling below $55,000. Finally, the possibility of Bitcoin rising above $65,000 only covers about 10% of the target. 2. Ethereum (ETH): In predictions titled “What Will Ethereum’s Price Be in June?”, bearish forecasts for Ethereum are also prominent.

The most dominant scenario is a drop below $1,500, with a 66% probability priced in. A drop below $1,400 is priced in with a 22% probability. The probability of Ethereum surpassing $2,000 is priced at only 1%. 3.XRP: In predictions titled “What will the price of XRP be in June?”, bearish forecasts for XRP are prominent.

The most likely scenario is a drop below $1, with a 70% probability of the price being priced in. Secondly, a drop below $0.8 is priced in with a 2% probability. In contrast, a move above $1.4 is priced in with only a 1% probability. *This is not investment advice.

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XRP (CRYPTO: XRP) fell about 8% over the past week as the broader cryptocurrency market lost key technical support levels.

In an X post on June 26, XRP Ledger validator Vet said the ledger is evolving into payment infrastructure for autonomous AI agents.

According to Vet, t54’s x402 facilitator enables agentic payments on the XRP Ledger, allowing AI agents to pay for APIs and digital services using native XRPL settlement.

"Perhaps most users on XRP will be machines and not human?" Vet said, urging the XRP community to closely monitor AI-related developments on the network.

The comments come as Ripple’s latest Impact Report highlights the company’s growing focus beyond cross-border payments toward broader financial infrastructure built around XRP, the XRP Ledger and its RLUSD (CRYPTO: RLUSD) stablecoin.

XRP Facilitates $1.5 Trillion In TransactionsRipple’s 2025 Impact report said the XRP Ledger has processed more than 3.8 billion transactions since launching in 2012, facilitating over $1.5 trillion in value transferred between counterparties.

The company said blockchain adoption is increasingly shifting away from speculative trading toward institutional settlement, tokenization, decentralized finance and regulated stablecoins.

Tokenized asset value on the network climbed from $24.7 million at the start of 2025 to $568 million by year-end, representing roughly 2,200% growth.

Ripple’s RLUSD stablecoin reached valuation of around $1.26 billion 2025-end and has since expanded to nearly $1.5 billion, driven largely by enterprise adoption.

The Major Volume BlockIn an X post on June 26, crypto analyst Ali Martinez said XRP is testing a major on-chain support zone near $1.06, where more than 830 million XRP previously changed hands, according to UTXO Realized Price Distribution data.

If that level fails, Martinez identified additional high-volume support zones at $0.80, where roughly 923 million XRP transacted, followed by $0.62 with 1.16 billion XRP and $0.51 with 1.06 billion XRP historically changing hands.

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The xrp price prediction shifted again after pro-XRP lawyer Bill Morgan demanded Ripple release more of the monthly 1 billion XRP unlock instead of looping it back into escrow per Benzinga. The note dropped while XRP slid to $1.04. Benzinga still calls $10 a real long-term target, with Standard Chartered projecting $8 by year end.

The xrp price prediction now runs alongside record ETF activity. Seven U.S. spot XRP ETFs hold $1 billion AUM and 938.7 million tokens in custody on June 25, but the early high-multiple window for XRP and Solana closed at $67 billion and $40 billion in market cap.

CoinDesk reported XRP slid 2.8% to $1.04 on June 25, losing the $1.0850 support and parking at the lower end of its June trading range. Bulls need to reclaim $1.10 to flip the shakeout narrative. Solana (SOL) sits at $69.25, down 0.52%, while broader risk turned cautious across the CD20 index.

For the wider tape, the XRP setup confirms both tokens lean on institutional flow for price support, but the early returns are already behind them. The traders hunting 267x are no longer looking at assets where the chart fights over a $1 floor.

Top Cryptocurrencies to Position Before the Next Breakout Table of Contents

Top Cryptocurrencies to Position Before the Next BreakoutPepeto: The Exchange Token Where $0.0000001879 Could Become 267x Before Institutions Find ItXRP Price Prediction: Validated by Institutions but Returns Stay Range LockedSolana (SOL) Price at $69.25 as Risk Sentiment Cools Across Major TokensConclusionFAQsWhat is the xrp price prediction target after Bill Morgan called for faster escrow releases?How does Pepeto’s return math compare to holding XRP or SOL?What does the June 25 XRP breakdown mean for XRP and Solana? Pepeto: The Exchange Token Where $0.0000001879 Could Become 267x Before Institutions Find It XRP traders sit on resistance levels waiting for steady percentage gains, but Pepeto at $0.0000001879 runs on different math. The ticket price is a fraction of a cent, the runway scales for years, and presale wallets stand in front of every public buyer that arrives later.

A live exchange under construction at the presale stage is rare on its own. Add $10,334,426 already inside the raise during a Fear and Greed reading of 12, a SolidProof reviewed contract, the cofounder who walked Pepe to $7 billion, and a former Binance executive shaping the listing.

Pepeto targets a meme coin trading market worth more than $45 billion with zero-fee infrastructure spanning three chains. Hitting 267x only requires the token to trade at a fraction of what Pepe achieved with the same 420 trillion supply.

The xrp price prediction has a ceiling. Pepeto does not, and the Binance listing is the event that wipes this entry off the screen for good.

XRP Price Prediction: Validated by Institutions but Returns Stay Range Locked XRP trades near $1.04 per CoinmarketCap after losing key support under $1.0850. Benzinga still maps $10 as a possible long-term target, with Standard Chartered projecting $8 by year end and Coinpedia mapping $5 to $6 later this cycle.

The xrp price prediction targets $10 if ETF flows and CLARITY clarity keep stacking, roughly 9x over years, but moving averages stack between $1.13 and $1.19 and block every rally attempt.

Solana (SOL) Price at $69.25 as Risk Sentiment Cools Across Major Tokens Solana traded at $69.25 per CoinDesk, down 0.52% across a broader pullback on June 25. SOL ETFs continue to attract incremental flows while support sits at $65 with $89 the key resistance. Losing $65 opens $58.

Conclusion Ripple will still be trading next week no matter what the xrp price prediction lands on. The Pepeto presale will not. The June 25 break under $1.0850 confirms the early high-multiplier window for both XRP and SOL is already closed. A $1,000 XRP position buys 935 tokens and stretches to about $9,000 even at the bullish $10 target.

The same $1,000 in Pepeto secures 5.32 billion units, a position that pays out between $100,000 and $150,000 once the listing hits Pepe’s ATH math, and $10,000 on the same ticket is the million-dollar wallet most readers spent last cycle wishing they had.

One wallet got in before listing and walked out of this cycle with a portfolio between $150,000 and a million on a single position. The other hesitated like buyers who passed on Shiba Inu and carries that regret forever. The window is still open, but at the pace demand is hitting the raise, days are all that is left.

Click To Visit Pepeto Website To Enter The Presale

FAQs What is the xrp price prediction target after Bill Morgan called for faster escrow releases? The xrp price prediction targets $10 long term per Benzinga if ETF demand and CLARITY Act clarity keep stacking. XRP’s $67 billion cap caps near-term upside to percentages, not the multiples a presale entry can deliver.

How does Pepeto’s return math compare to holding XRP or SOL? Pepeto secures 5.32 billion units per $1,000 at $0.0000001879, a position that pays between $100,000 and $150,000 at listing on Pepe’s ATH math. XRP at $67 billion and Solana at $40 billion cannot support a 100x to 150x outcome from their current caps.

What does the June 25 XRP breakdown mean for XRP and Solana? XRP losing $1.0850 confirms both tokens lean on institutional ETF flows for price support. Neither offers the presale upside Pepeto carries ahead of a confirmed Binance listing at $0.0000001879.

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.

Is a major shift building in the market ahead of the Q3 cycle?

The success of this move relies more on stablecoin flows than on short-term price action, as on-chain liquidity feeds directly into stronger DeFi ecosystems that shape a token’s long-term growth structure.

This is where recent RLUSD activity has intensified discussion around where liquidity is concentrating as Q2 comes to an end.

According to DeFiLlama data, RLUSD’s $1.57 billion supply on the XRP Ledger has overtaken Ethereum’s share. The chart below shows that RLUSD on XRPL now totals over $804 million, accounting for roughly 52% of the total supply, while Ethereum has contracted to around $771 million.

This divergence in liquidity distribution is driving increased discussion around XRP price prediction going into Q3. 

Source: DeFiLlama XRPL’s expansion in Japan further supports this trend. 

For context, RLUSD has received regulatory approval in Japan, allowing broader use of USD-backed stablecoins for payments across a market of about 122 million people.

This drives higher RLUSD activity on XRPL, strengthening liquidity concentration and feeding into XRP price prediction dynamics. 

From a technical lens, this comes at a key moment. On the weekly chart, the XRP/ETH ratio has been range-bound since September, despite broader crypto volatility.

Against this backdrop, the RLUSD divergence between XRPL and Ethereum may not be random, but instead an early signal of potential Q3 leadership.

Stablecoin flows reshape XRP price prediction narrative  Expecting Ripple [XRP] to outperform Ethereum [ETH] in Q3 may not be too far-fetched.

At the DeFi level, stablecoin flows are diverging. DeFiLlama data shows XRPL stablecoin supply rising over 8% this week with more than $800 million in inflows, while Ethereum has dropped by 0.3%.

This shows stronger liquidity growth on XRPL and supports the XRP price prediction narrative over ETH for Q3.

Institutional flows also follow the same trend. SoSoValue data shows spot Ripple ETF products recorded $31.32 million in net inflows in June so far, although this remains below May’s $132 million.

Meanwhile, Ethereum products recorded $377 million in net outflows, showing a clear shift in institutional capital flows.

Source: SoSoValue In this context, RLUSD supply strength on XRPL does not look random. 

Instead, with Japan’s regulatory approval, XRP/ETH consolidation, and institutional flows tilting toward XRP, the data points to a broader shift in liquidity direction. In this setup, a breakout in the ratio may be forming. 

As a result, XRP price prediction now factors in a possible recovery from the recent dip, with a move back toward the $1.5-$2 level positioning it as a potential strong Q3 setup.

Final Summary

XRP’s latest sell-off has put the $1 level back at the center of market attention, with traders watching whether the token can hold psychological support while derivatives data shows a sharp flush in long positions. The move comes as XRP continues to trade inside a broader multi-month falling wedge structure, keeping both technical traders and leveraged participants on edge.

TL;DR XRP tested the psychological $1 support level during the June 26 sell-off. Daily charts show XRP trading inside a multi-month falling wedge pattern. Long liquidations reportedly reached $40.73 million on June 25, the highest single-day figure since early February 2026. Analysts are watching the $1.10 to $1.12 area as a potential short-term momentum reclaim zone, while lower monthly support sits near $0.91. The $1 Level Takes Center Stage Round-number levels often matter in crypto because they become easy reference points for both retail traders and automated strategies. For XRP, the $1 area is especially important because it has served as a psychological dividing line between deeper bearish momentum and attempts at stabilization.

The validated pack shows XRP testing that level on June 26 as sell-side pressure accelerated. However, the writing boundaries are important: $1 should not be described as a guaranteed floor. The same validation notes point to longer-term monthly support lower, around $0.91, meaning a break of the psychological level could still leave the market searching for a more durable base.

Liquidations Add Fuel To The Decline The move was not just about spot selling. XRP long liquidations reportedly reached $40.73 million on June 25, marking the highest single-day liquidation volume since early February 2026. More than 97% of XRP long positions were wiped out in the 24-hour period leading into June 26, according to the validated derivatives data.

That matters because liquidation-heavy declines can move faster than ordinary spot corrections. When leveraged longs are forced out, exchanges automatically close losing positions, which can amplify downside moves and push price into key levels faster than discretionary traders expect.

Falling Wedge Keeps Traders Watching For A Reclaim Technically, XRP remains inside a multi-month falling wedge pattern. Traders often watch wedge structures for signs of compression and potential reversal, but the pattern does not guarantee a breakout. In the current setup, the validated pack notes that reclaiming the $1.10 to $1.12 region would be needed to shift short-term momentum more constructively.

Until that happens, the market remains vulnerable to failed bounces. XRP can stabilize near $1, but bulls need to prove that the move is more than a temporary pause after leverage was flushed out. A clean move back above the reclaim zone would likely be watched as a first sign that the sell-off is losing force.

What XRP Bulls Need To Avoid The main danger for bulls is a decisive loss of $1 followed by weak demand on any retest. If that happens, traders may shift focus toward the lower monthly support area near $0.91. That does not mean XRP must trade there, but it gives the market a clear downside reference if psychological support fails.

For now, XRP is caught between two competing signals: a technical structure that some traders may view as a potential reversal setup, and liquidation data showing that leveraged bullish positioning has already been punished heavily. The next test is whether spot demand can replace the leverage that just left the market.

This report is based on information from Crypto.news XRP Wedge and BeInCrypto XRP Support.

This article was written by the News Desk and edited by Samuel Rae.

21h10 ▪ 5 min read ▪ by Luc Jose A.

Summarize this article with:

The crypto market is going through a phase of strong turbulence, once again illustrating the intrinsic volatility that characterizes this asset class. A systemic correction triggered by the main cryptos is leading investors to rebalance competitive power relations and historical valuation levels. This dynamic shows that the apparent resilience of institutional infrastructures does not always guarantee the price stability of the underlying tokens on secondary markets. With XRP, the native currency of the Ripple protocol, we have a perfect example of this contemporary sectoral fracture. The company is multiplying technical initiatives, but the stock is critically underperforming compared to other major capitalizations in the sector.

In brief XRP records a 43 % drop since the beginning of the year and loses ground against several major cryptos. The token’s decline contrasts with Ripple’s institutional advances, fueling investors’ doubts. Analysts are divided on XRP’s future, between risk of a new correction and hope for a lasting rebound. The quantified capitulation and loss of XRP’s strategic ranks This Thursday, June 25, XRP plunged to an annual low of $1.01. This sharp drop is part of a wave of liquidation that shook the crypto market. Indeed, Bitcoin lost ground. The flagship asset even approached $58,000.

However, Ripple’s crypto had indeed recovered some of its losses that Friday morning, trading around $1.03, but it still recorded a 4.5% drop over a 24-hour session. Such a move deepened XRP’s weekly losses to 7.7%.

Since early June 2026, the asset has lost more than 20% relative to its prior level above $1.30, heading for a second consecutive month of monthly declines, bringing its year-to-date (YTD) drop to 43%.

This ongoing erosion has heavily weighed on the asset’s competitiveness, as these market indicators confirm :

A collapse from the peaks: In October 2025, the token flirted with its all-time high at $3.66 for a capitalization exceeding 200 billion dollars, before closing the year at $1.88 (115 billion dollars) and losing its third place to USDT ; Underperformance versus BNB : While BNB resisted better with a 13% drop over 30 days, XRP plunged nearly 22% over the same period. XRP’s capitalization collapsed to 64.7 billion dollars on June 26, compared to over 82 billion dollars on June 1, allowing BNB to pull ahead at 76.4 billion dollars ; Being overtaken by stablecoins : In addition to USDT, XRP is now being surpassed by USDC, whose market capitalization is today over 73 billion dollars. The divide between institutional progress and market expectations This prolonged decline illustrates a clear disconnect between price movement on the markets and the company’s actions. Indeed, this underperformance continues despite Ripple’s ongoing efforts to integrate the XRP Ledger (XRPL) and its underlying protocol into the structures of the international financial system.

This technical and financial gap fuels strong frustrations among the asset’s long-standing investors. On social networks, many retail investors express their exasperation without restraint. They claim that the gains made by the company mainly benefit its proprietary technologies and its own stablecoin projects, while individual token holders must bear the financial losses.

Technical scenarios and confrontation of price forecasts In terms of technical analysis, the possibility of breaking some key levels provokes divergent opinions, drawing opposing scenarios on the asset’s future. Bearish analysts, on one side, warn that a significant liquidity gap will open if the major psychological support at $1.00 were to break definitively. Skeptics are already betting on low technical targets, around $0.87, $0.70, or even extreme forecasts at $0.30, while ridiculing the optimism of investors aiming for a price target of $5.

Conversely, bullish supporters of the so-called “XRP Army” community show firmness. They see this return to the $1.00 level as a top strategic accumulation zone and assert that the current market structure is only meant to eliminate short-term investors before triggering a major macroeconomic breakout.

The evolution of Ripple’s crypto in the coming months will depend on its ability to maintain or not its technical and psychological support threshold at $1.00. If markets follow the most pessimistic analysts’ forecasts, the asset could enter a prolonged and lasting contraction phase, worsening the confidence crisis among small holders.

On the other hand, if the current investor base manages to stabilize the price at these valuation levels, it would offer the necessary respite to observe whether Ripple’s institutional integrations will translate into concrete economic utility for the token or not. How this confrontation between the technical market dynamics and the fundamental objectives of the Ripple ecosystem will be resolved will be a key indicator for the entire crypto sector.

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Luc Jose A.

Diplômé de Sciences Po Toulouse et titulaire d'une certification consultant blockchain délivrée par Alyra, j'ai rejoint l'aventure Cointribune en 2019. Convaincu du potentiel de la blockchain pour transformer de nombreux secteurs de l'économie, j'ai pris l'engagement de sensibiliser et d'informer le grand public sur cet écosystème en constante évolution. Mon objectif est de permettre à chacun de mieux comprendre la blockchain et de saisir les opportunités qu'elle offre. Je m'efforce chaque jour de fournir une analyse objective de l'actualité, de décrypter les tendances du marché, de relayer les dernières innovations technologiques et de mettre en perspective les enjeux économiques et sociétaux de cette révolution en marche.

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The views, thoughts, and opinions expressed in this article belong solely to the author, and should not be taken as investment advice. Do your own research before taking any investment decisions.

THE STREET: World's most intelligent human being makes bold XRP prediction

According to market analyst Bird, XRP could be on the verge of one of its most pivotal technical turning points in recent years. Price action has remained trapped within a broad symmetrical triangle formation for an extended period, but the coming days and weeks may bring a decisive directional move.

All eyes on a breakout as trading range tightensCoinCodex data shows XRP trading at $1.04 at the time of writing. Bird argues that the current calm in the price doesn’t signal reduced interest; rather, it reflects mounting tension between buyers and sellers as the range narrows further.

In technical analysis, a symmetrical triangle describes a gradually narrowing structure where prices form lower highs and higher lows. As the price oscillates within an ever-shrinking band, the chances of a powerful breakout in either direction become more prominent.

Mini glossary: A symmetrical triangle is a chart pattern where price moves within an increasingly tight range. It does not guarantee direction on its own; breakouts to the upside or downside, especially accompanied by high volume, are considered confirmation.

Observers note that XRP’s movement space within this multi-year structure has diminished, bringing the market to a critical inflection point.

$4 target gains traction but confirmation still lackingBird believes that a breakout above the upper resistance line of the triangle, supported by strong buying interest, could signal a bullish move. In such a scenario, the $4 price target would come further into view.

Such a development would mark a key technical milestone and could rekindle interest among both retail and institutional investors. With the long-standing sideways, compressed price action, market participants are monitoring every move closely.

Analysts focus on trading volume and strong supportFrom a technical perspective, prolonged periods of consolidation can often lead to powerful expansions in price once the squeeze ends. The consensus building among analysts is that XRP has been accumulating within this long-term pattern for several months, potentially setting the stage for a significant move.

Yet, there is still no definitive sign of a breakout. Unless XRP clearly moves above its resistance or drops below the triangle’s major support line, the current price action is seen not as a confirmed trend shift but rather as ongoing consolidation.

For now, analysts are emphasizing the need for a clear spike in trading volumes and a definite directional move before making bold calls about the next big shift. Some continue to caution that a short-term dip toward $0.90 remains possible before any strong upside momentum emerges.

For the moment, the prevailing view is that XRP remains tightly squeezed into an ever-narrowing range. Whether the result is a surge towards $4 or a sharp reversal remains one of the most closely watched questions in the near-term crypto market landscape.

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

A wave of cryptocurrencies are marketed as “ISO 20022 compliant,” with the promise that banks will adopt them and send prices soaring. This guide explains what the standard actually is, why it matters for global payments, and why the “compliant coin” label is mostly a myth.

Summary

ISO 20022 is a global standard for the messages financial institutions send one another, defining a common, data-rich language for payments and securities, not a rule about cryptocurrencies. Major systems including SWIFT and the United States Fedwire have adopted it, replacing older, simpler message formats with structured data that carries far more information. A group of tokens, including XRP, XLM, ALGO, HBAR, and others, are widely marketed as “ISO 20022 compliant,” fueling a belief that banks will adopt them and lift their prices. That label is largely a myth: there is no certification or registry for compliant coins, and being aligned with the standard does not mean a token is endorsed, validated, or destined for bank adoption. The standard genuinely matters for connecting traditional finance and blockchain, but the investment thesis built on the compliance label rests on a misunderstanding of what ISO 20022 actually is. Table of Contents

The standard that runs the world’s payment messagesWhy the financial world is switching to itA worked example: what richer data actually buysWhere crypto enters the pictureThe “compliant coin” myth, explainedWhat “aligned” actually means for a tokenThe XRP case specificallyWhat ISO 20022 does and does not mean for pricesRed flags and scams to watchFrequently Asked Questions ISO 20022 is an international standard that defines a common, structured language for the electronic messages financial institutions send one another, covering payments, securities trades, and other financial transactions. That is the whole of it: it is a messaging standard, a shared format that lets banks, payment systems, and market infrastructures exchange information in a consistent, data-rich way. It says nothing, in itself, about cryptocurrencies. And yet ISO 20022 has become one of the most hyped terms in certain corners of the crypto market, attached to a list of tokens, XRP, Stellar’s XLM, Algorand’s ALGO, Hedera’s HBAR, and several others, that are marketed as “ISO 20022 compliant,” with the implication that this compliance makes them special, bank-ready, and poised to soar once financial institutions adopt the standard. 

The reality is more mundane and more important to understand, because the gap between what ISO 20022 is and what the hype claims it means is exactly where investors get misled. This guide explains the standard plainly, why the financial world is adopting it, where crypto genuinely fits, and why the “compliant coin” label is largely a marketing myth rather than a meaningful endorsement.

The reason this matters is that ISO 20022 sits at the intersection of a real, significant trend and a layer of misleading marketing, and telling the two apart is essential. The real trend is that the global financial system is upgrading the language it uses to move money, a genuine modernization with real consequences for how payments work and how easily traditional finance can connect to blockchains. The misleading layer is the claim that certain tokens are validated or endorsed by the standard, a claim that has fueled speculative buying based on a misunderstanding. 

This guide covers what ISO 20022 actually is, why institutions are switching to it, what richer messaging buys them, where the crypto angle comes from, why the compliance label is a myth, what alignment truly means, the specific case of XRP, and how to read the whole phenomenon honestly. The goal is to leave you understanding both the substance and the spin.

The standard that runs the world’s payment messages Start with what ISO 20022 fundamentally is, because its name makes it sound more mysterious than it is. When a bank sends money to another bank, no physical cash travels; instead, the banks exchange messages instructing each other to debit one account and credit another. For decades, those messages used older, rigid formats that packed limited information into terse codes, formats designed in an era of expensive bandwidth and simple transactions. ISO 20022 is the modern replacement: a standardized, structured language for these financial messages that can carry far more information in a consistent, machine-readable form. Think of it as a shared grammar that every institution agrees to speak, so that a message sent by a bank in one country can be understood automatically by a system in another without translation or guesswork.

The power of ISO 20022 lies in two qualities: it is standardized, meaning everyone uses the same format, and it is rich, meaning each message can carry detailed, well-organized data rather than cramped codes. A useful way to picture it is the difference between a tightly abbreviated telegram and a properly structured digital form. The old formats were like telegrams, squeezing essential facts into minimal space and leaving much to interpretation. ISO 20022 is like a structured form with clearly labeled fields for every relevant detail: who is paying, who is receiving, the purpose of the payment, the parties involved, and the regulatory information attached. This is not a small upgrade. It changes what financial systems can do with a payment message, because a message that carries clean, structured, comprehensive data can be processed, screened, and reconciled automatically in ways that the old cramped formats never allowed.

Why the financial world is switching to it The migration to ISO 20022 is one of the largest coordinated upgrades in the history of financial infrastructure, and it is happening because the old messaging formats had become a serious bottleneck. The legacy formats carried so little structured data that banks constantly had to deal with incomplete information, manual intervention, and errors, all of which slow payments down and raise costs. When a payment message lacks clear, structured fields, a human often has to step in to interpret it, check it against sanctions lists, or chase missing details, and every such intervention is friction. As global payments grew in volume and as regulatory demands for transparency and screening intensified, the limitations of the old formats became untenable. ISO 20022 solves this by carrying the rich, structured data that lets far more of the process happen automatically and accurately.

The adoption has been sweeping. The global messaging network that connects most of the world’s banks has been migrating its cross-border payments to ISO 20022, phasing out the legacy formats. Major domestic payment systems have moved as well, including the United States’ main real-time settlement system, which adopted ISO 20022 for its operations, joining systems in Europe and elsewhere that had already transitioned. The direction is unmistakable: the world’s core payment rails are converging on this single standard, because the benefits, richer data, better automation, improved compliance, and smoother interoperability between systems, are compelling enough to justify an enormous, multi-year coordinated effort. For the financial industry, ISO 20022 is simply the new common language of money movement, and the migration to it is a genuine, consequential modernization. None of this, it is worth stressing again, has anything inherent to do with cryptocurrencies. It is about how banks and payment systems talk to each other.

A worked example: what richer data actually buys To make the value concrete, picture a single cross-border payment under the old system and under ISO 20022, because the difference shows why institutions care.

Under a legacy format, a bank sending a payment abroad might transmit a message with a sender, a receiver, an amount, and a short, cramped reference field, with much of the contextual detail abbreviated, omitted, or jammed into free-text notes that no automated system can reliably read. When that message arrives, the receiving bank may not have enough structured information to automatically confirm the purpose of the payment, verify the parties against regulatory lists, or match it to the right account, so a staff member has to intervene, slowing the payment and introducing the possibility of error. Multiply that friction across millions of payments and the cost in time, money, and risk is enormous.

Now picture the same payment under ISO 20022. The message arrives with clearly labeled, structured fields: the full identities of the sender and receiver, the precise purpose of the payment, the regulatory and compliance information, and the references needed to match it automatically to the correct account. Because the data is structured and comprehensive, the receiving bank’s systems can process it without human intervention, screen it against sanctions and fraud checks automatically, and reconcile it instantly. The payment moves faster, costs less to handle, and carries less risk of error or of slipping past compliance controls. This is the real, unglamorous value of ISO 20022: it turns payment messages from cramped telegrams that often need human interpretation into structured data that machines can handle end to end. That improvement in automation, compliance, and interoperability is why the entire financial world is undertaking the switch, and it is a truly significant upgrade to the plumbing of global finance. It is also, notably, an upgrade about messages, not about money itself, and certainly not about any particular token.

Where crypto enters the picture So how did a banking messaging standard become a crypto buzzword? The connection runs through the idea of interoperability between traditional finance and blockchain. As ISO 20022 became the language banks use, some blockchain projects, particularly those focused on payments and settlement, positioned themselves as able to work with that language, to structure their own messaging or data in ways compatible with the standard that banks were adopting. The thinking was reasonable on its surface: if banks are standardizing on ISO 20022, then a blockchain that can speak the same data language might integrate more easily into bank workflows, which could be an advantage for a payments-focused crypto network.

From that reasonable starting point grew a much larger and much shakier narrative. A list of tokens came to be labeled “ISO 20022 compliant” across crypto media and social channels, typically including XRP, Stellar’s XLM, Cardano’s ADA, Algorand’s ALGO, Hedera’s HBAR, and a handful of others associated with payments or enterprise use. Around this list formed a popular investment thesis: that because these tokens are ISO 20022 compliant, banks adopting the standard will naturally adopt these tokens, driving massive demand and sending prices soaring. The thesis is seductive because it connects a real, sweeping trend, the global migration to ISO 20022, to a specific set of assets, implying that those assets are uniquely positioned to benefit from the trend. Entire communities and marketing campaigns have been built around the “ISO 20022 coin” label, treating it as a mark of quality and a catalyst for price appreciation. The trouble is that the label means far less than the hype suggests, and in important respects it is simply false.

The “compliant coin” myth, explained Here is the core fact that punctures the hype: there is no such thing as official ISO 20022 certification for a cryptocurrency, because no certification process or registry for compliant coins exists. The standard is a messaging format used by financial institutions, and it has no mechanism for validating, endorsing, or registering tokens. When you see a coin described as “ISO 20022 certified” or “endorsed by ISO,” that language is marketing, and it is misleading or outright false. No authority hands out a compliance badge to cryptocurrencies, no list of approved tokens is maintained by the standards body, and being included on a community-circulated “ISO 20022 coin” list confers no official status whatsoever. The label that has driven so much speculative interest does not correspond to any real certification.

This matters because the entire investment thesis rests on a misreading of what the standard is. ISO 20022 governs how financial institutions format the messages they send each other; it does not validate the assets those messages might reference, and it does not bless particular blockchains as bank-ready. A bank using ISO 20022 messaging to interact with a crypto-related service is using the standard to communicate, which says nothing about whether the underlying token is approved, valuable, or destined for adoption. The conflation of “this token’s project works with ISO 20022 data formats” and “this token is officially compliant and therefore bank-endorsed” is the heart of the myth. The first may be true in a narrow technical sense for some projects; the second is not a real category. An investor buying a token because it appears on an “ISO 20022 compliant” list is buying based on a designation that does not officially exist, which is precisely the kind of misunderstanding that marketing language is designed to exploit.

What “aligned” actually means for a token To be fair and precise, there is a real kernel beneath the myth, and understanding it keeps this guide honest. A blockchain project truly can do engineering work to make its systems compatible with ISO 20022 data, structuring the information its network handles so that it maps cleanly onto the standard’s fields, or building tools that let institutions using ISO 20022 messaging interact with the blockchain more easily. This is real work, and for a project aiming to serve banks and payment providers, being able to speak the same data language as the institutions it wants as customers is a sensible and potentially useful capability. So when a project says it is “aligned with” or “built for” ISO 20022, it may be describing genuine technical compatibility, which is not nothing.

But notice how far that real kernel is from what the hype claims. Technical compatibility with a messaging standard is a feature a project chooses to build, not a certification it receives, and it does not make the project’s token special, validated, or guaranteed adoption. Plenty of capability can be ISO 20022 compatible without any of it translating into demand for a token, because, as with so much in crypto infrastructure, the usefulness of a network to institutions is a separate question from demand for its native asset. A project can do excellent work making its systems speak the standard’s language and still see no particular benefit flow to its token, because banks using that compatibility are using the technology, not buying the coin. So “aligned with ISO 20022” should be read as a modest, real technical claim about a project’s engineering, never as an official stamp of approval or a reason to expect price appreciation. The distance between the honest version of the claim and the hyped version is enormous.

The XRP case specifically Because XRP sits at the center of the ISO 20022 hype, it is worth examining its actual relationship to the standard, which illustrates the whole confusion neatly. Ripple, the company associated with XRP, has genuine ties to the world of financial messaging standards; as a company building payment infrastructure for institutions, Ripple participates in the relevant standards bodies and works with the messaging formats that banks use. That corporate level engagement is real and is part of why XRP appears at the top of most “ISO 20022 coin” lists. But here the crucial distinction between Ripple the company and XRP the token reasserts itself, the same distinction that runs through so much of the XRP story.

Ripple’s involvement with financial messaging standards as a company does not mean that XRP the token is “ISO 20022 compliant” in any meaningful sense. Ripple’s own chief technology officer has stated plainly that XRP has nothing to do with ISO 20022, clarifying that while Ripple as a company may engage with the standards world, that engagement does not translate into the token itself being compliant or endorsed. The standard is about how institutions message each other; XRP is a digital asset that can serve as a bridge in settlement. Those are different things, and a company working with messaging standards does not make its associated token a certified ISO 20022 instrument. The persistence of the XRP ISO 20022 conflation, despite direct clarification from the people who would know, shows how powerful the marketing narrative has become and how readily a real corporate fact, Ripple engages with standards bodies, gets transformed into a false token level claim, XRP is officially ISO 20022 compliant and therefore bank bound. The honest position is that Ripple’s standards work is real and XRP’s “compliance” is a myth, and both can be true at once.

What ISO 20022 does and does not mean for prices Pulling it together, the right way to think about ISO 20022 is to separate its genuine significance from its mythologized one, because both exist and they point in very different directions. Truly, ISO 20022 is a meaningful, long-term tailwind for the convergence of traditional finance and blockchain. 

As the entire financial system standardizes on a rich, structured data language, it becomes technically easier for blockchain networks that can speak that language to integrate with bank workflows, and over a long horizon that interoperability supports the broader adoption of blockchain-based settlement and tokenization. For payments-focused crypto projects, being able to work with the standard banks use is a real and sensible capability that may help them win institutional business over time. That is a slow, structural benefit to the ecosystem, and it is worth understanding.

What ISO 20022 is not is a catalyst that validates specific tokens or that should be expected to pump particular coins. There is no certification, no registry, no official “compliant coin” status, and no mechanism by which the standard endorses or guarantees adoption of any asset. The investment thesis that says “this token is ISO 20022 compliant, so banks will adopt it and the price will soar” rests on a designation that does not officially exist and a causal chain that does not hold, because banks adopting a messaging standard does not mean banks buying tokens. 

The disciplined reading is to treat ISO 20022 as what it is, an important modernization of financial messaging that gently supports long-term blockchain interoperability, and to treat the “compliant coin” label as what it is, a marketing narrative untethered from any official meaning. A project’s genuine technical work with the standard can be a small point in its favor. The compliance badge that crypto marketing waves around is not a reason to buy anything.

Red flags and scams to watch Because the ISO 20022 narrative is so heavily marketed and so widely misunderstood, it has become fertile ground for misleading promotion and outright scams, and knowing the warning signs protects you. The danger is not the standard itself, which is a legitimate piece of financial infrastructure, but the way its name is used to lend false authority to speculative pitches. Treat the following as red flags whenever you encounter ISO 20022 in a crypto context:

• Any claim that a token is “ISO 20022 certified,” “approved by ISO,” or “officially compliant.” No such certification or registry exists for cryptocurrencies, so this language is always misleading, and a project or promoter using it is either confused or deliberately exploiting the confusion.

• Price predictions that treat the standard as a guaranteed catalyst, such as promises that a coin will surge “once ISO 20022 goes live” or “when banks switch.” Banks adopting a messaging standard is not the same as banks buying tokens, and anyone presenting it as a sure path to gains is selling a misunderstanding.

• “ISO 20022 coin list” promotions that bundle a group of tokens as uniquely positioned to benefit, often used to pump lower-quality assets by association with the more credible names on the list. The list has no official status, and inclusion confers nothing.

• Urgency and exclusivity, such as claims that you must buy before a specific adoption date or miss a once-in-a-lifetime window. Genuine infrastructure modernization unfolds over years and does not create the kind of dated price triggers these pitches invent.

• Sources that conflate Ripple’s corporate standards work, or any company’s, with token-level compliance. A company engaging with standards bodies is real; the leap to “therefore the token is endorsed” is the exact sleight of hand to distrust.

The broader risk is financial. People have bought tokens primarily because of the ISO 20022 label, expecting bank adoption to drive prices, and that thesis rests on a designation that does not officially exist. If you are considering an asset associated with the standard, evaluate it on its actual fundamentals, its technology, adoption, team, and tokenomics, exactly as you would any other, and disregard the compliance badge entirely, because it carries no real weight. As with anything in crypto, never invest money you cannot afford to lose, be skeptical of any pitch that promises certainty, and remember that the louder a narrative is marketed, the more carefully it deserves to be checked.

Frequently Asked Questions What is ISO 20022 in simple terms? ISO 20022 is an international standard that defines a common, structured language for the electronic messages financial institutions send one another, covering payments, securities, and other transactions. It replaces older, rigid message formats with richer, machine-readable data, so that a payment message can carry detailed, clearly labeled information that systems can process automatically. It is a messaging standard for banks and payment systems, not a rule about cryptocurrencies, and it has nothing inherent to do with any token.

Why are banks adopting ISO 20022? Because the older message formats carried so little structured data that they created constant friction: incomplete information, manual intervention, errors, and difficulty with automated compliance screening. ISO 20022 carries rich, structured data that lets far more of the payment process happen automatically and accurately, improving speed, cost, fraud and sanctions screening, and reconciliation. The world’s core payment rails, including the main global bank messaging network and major domestic settlement systems like the United States Fedwire, have migrated to it because the benefits justify the enormous coordinated effort.

What are “ISO 20022 coins”? It is a label, circulated across crypto media and social channels, applied to a list of tokens, commonly XRP, XLM, ADA, ALGO, HBAR, and a few others, that are marketed as being compatible with or “compliant” with the standard. Around this label grew an investment thesis claiming that because banks are adopting ISO 20022, they will adopt these tokens, driving prices up. The label has fueled significant speculative interest, but it does not correspond to any official certification or status, which is the central problem with it.

Is the “ISO 20022 compliant” label real? Largely no. There is no certification process or registry for compliant cryptocurrencies, because the standard is a messaging format for institutions and has no mechanism for validating or endorsing tokens. Language like “ISO 20022 certified” or “endorsed by ISO” is marketing and is misleading or false. A project can do genuine engineering to make its systems compatible with ISO 20022 data, which is a real but modest technical capability, but that is very different from an official compliance badge. No authority approves or registers tokens under the standard.

Is XRP actually ISO 20022 compliant? Not in the way the hype implies. Ripple, the company, truly engages with financial messaging standards bodies as part of building institutional payment infrastructure, which is why XRP tops most “ISO 20022 coin” lists. But Ripple’s own chief technology officer has stated plainly that XRP, the token, has nothing to do with ISO 20022. The standard concerns how institutions message each other; XRP is a separate digital asset. A company working with messaging standards does not make its associated token a certified ISO 20022 instrument, so the token level compliance claim is a myth, even though Ripple’s standards work is real.

Should ISO 20022 affect which tokens I buy? Not on the basis of the compliance label, which does not officially exist. ISO 20022 is a genuine, long-term tailwind for connecting traditional finance and blockchain, and a payments project’s real technical compatibility with the standard can be a small point in its favor. But the standard does not validate, endorse, or guarantee adoption of any token, and banks adopting a messaging standard does not mean banks buying coins. Treating an “ISO 20022 compliant” label as a reason to expect price appreciation means relying on a designation that does not exist and a causal chain that does not hold.

This article is educational information, not investment advice. It aims to clarify a widely misunderstood topic, and details reflect reporting available as of June 26, 2026. Verify current information from primary sources, and be especially cautious of marketing language that implies official certification where none exists.