Track market-moving stories before they get noisy

The XRP Ledger ecosystem is preparing for the activation of the highly anticipated fixCleanup3_2_0 amendment, which is scheduled to go live in less than two days. Latest data from XRPScan indicates the current countdown stands at approximately 1 day and 23 hours, with implementation expected on July 29.

Consensus and amendment activationThe fixCleanup3_2_0 amendment successfully achieved majority consensus among validators after an 85.71% approval in recent voting rounds. According to the XRP Ledger’s amendment system, an 80% supermajority is required to trigger the two-week activation timer for any change impacting transaction processing. Once this threshold is reached and maintained continuously for the specified period, the amendment is enabled on the mainnet.

Validators, who play a crucial role in overseeing network upgrades, are responsible for reviewing proposed changes and signaling their approval through the consensus process. This rigorous voting mechanism is designed to safeguard the integrity of the ledger and prevent contentious or untested changes from being adopted prematurely.

Mini dictionary: XRP Ledger amendment system – A governance mechanism allowing validators to vote on proposed protocol updates, requiring 80% approval over two weeks for activation.

Improvements and past upgradesBarring any unforeseen circumstances, the fixCleanup3_2_0 upgrade will integrate several important fixes and enhancements. The update addresses issues related to Single Asset Vaults, the Lending Protocol, permissioned decentralized exchanges (DEX), Multi-Purpose Tokens, and permissioned domains within the XRP Ledger.

This latest amendment follows Ripple’s recent efforts to prioritize security and reliability across the Ledger. Earlier this year, Ripple introduced a dedicated AI-assisted red team tasked with proactively hunting for vulnerabilities in the XRP Ledger ecosystem. Ripple, a San Francisco-based enterprise blockchain company, is the primary driving force behind the XRP Ledger’s development and ongoing upgrades.

The current upgrade comes shortly after fixCleanup3_1_3 was activated on May 27, delivering critical fixes for NFTs, Permissioned Domains, Vaults, and the Lending Protocol. That amendment was seen as a direct response to discovered issues affecting the smooth functioning of these features.

XRPL version 3.2.0, launched in June, focused mainly on system cleanup and maintenance. It closed out multiple fixes from Ripple’s backlog, retired amendments that had been activated for over two years, and introduced the fixCleanup3_2_0 amendment.

Ripple’s escalation in security efforts began in March, when the company announced its commitment to continuous security audits by deploying an AI-powered red team. This initiative aims to detect and mitigate vulnerabilities before they impact users or applications built on the XRP Ledger.

The 3.1.3 release, which included the previous fixCleanup3_1_3 change, marked the first security-focused update emerging from these intensified monitoring efforts.

Looking aheadOnce live, the fixCleanup3_2_0 amendment is expected to enhance protocol reliability and user experience for projects and applications relying on the XRP Ledger. If no last-minute challenges arise, the mainnet upgrade will proceed according to the planned schedule.

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.

Altcoins

27 July 2026 | 16:17 XRP traded near $1.10 at the time of writing, once again testing the rising trendline connecting its higher lows since late June.

Key Takeaways XRP defended rising support on July 25. Price returned after a weak rebound. Binance funding is modestly positive. Repeated tests leave the trendline vulnerable. Price first reached this boundary during the July 25 session, when buyers absorbed enough selling to prevent a confirmed breakdown. The rebound stalled around $1.11, leaving XRP back at the same support only two sessions later.

The triangle remains intact, but the limited response weakens the defence. Buyers have absorbed repeated selling without pushing price decisively away from the boundary, increasing the importance of the next daily close.

Binance Funding Shows a Modest Shift Positioning on Binance’s perpetual futures market has turned slightly more constructive. According to CryptoQuant’s latest analysis, XRP funding rose to approximately 0.00138 after briefly falling below zero, while its 30-day Z-score reached 0.21.

Binance XRP funding rate and 30-day z-score metrics tracking market leverage. The Z-score places funding only slightly above its recent average. Binance traders are leaning towards longs again, but positioning remains far from an overheated bullish extreme.

This signal is specific to Binance derivatives, while the technical chart reflects Coinbase spot trading. The improvement is consistent with reduced bearish pressure on a major leveraged venue, but it cannot establish that spot demand has strengthened across the wider market.

So far, the shift has coincided with price stabilising at support rather than breaking higher. Broader confirmation would require stronger spot volume and a move through the resistance immediately above XRP.

The Weak Rebound Keeps Buyers Under Pressure XRP remains below its 50-day simple moving average near $1.11. A daily close above it would create distance from the rising boundary and bring the horizontal resistance around $1.15 back into focus.

Daily XRP/USD technical price chart highlighting key support levels and indicators. That level has rejected several rallies since late June and forms the upper side of the triangle. A breakout supported by stronger volume would show that demand has moved beyond simply defending the lower trendline.

The broader structure would remain under pressure even then. XRP’s 100-day SMA stands near $1.23, while the 200-day SMA sits around $1.38. Both continue to slope downward and remain well above price.

A Daily Close Below Support Would Expose $1 An intraday move beneath the rising line would carry less weight than a daily close below it. A confirmed loss would interrupt the sequence of higher lows and expose the July low around $1.01, followed by the psychological $1 level.

Binance funding would then help show how leveraged traders respond. A return below zero would indicate renewed demand for short positions. Funding remaining positive during a breakdown could leave recent longs vulnerable if selling accelerates.

The next signals are clear: watch whether XRP reclaims its short-term moving average and whether volume expands during another test of $1.15. Another weak bounce from the trendline would leave support increasingly exposed, while a close below it would shift the immediate focus back to $1.

Disclaimer: This article is for informational and analytical purposes only and does not constitute financial or investment advice. Technical patterns and derivatives indicators do not guarantee future price movements. Methodology: Technical levels are based on the supplied daily XRP/USD Coinbase chart dated July 27, 2026. Funding and Z-score data are specific to Binance perpetual futures and come from the linked CryptoQuant analysis. Author

Kosta has reported on cryptocurrency markets and blockchain infrastructure since 2020, bringing over six years of hands-on experience in the crypto industry built through daily tracking of markets, trends, and emerging blockchain developments. Specializing in Bitcoin on-chain analysis, institutional ETF flows, and digital asset price action, his work at Coindoo has been cited by other news agencies and consistently covers market developments with a focus on data-driven reporting across Bitcoin, Ethereum, Solana, and XRP. Over the years, Kosta has contributed to multiple crypto media outlets in different regions, authoring over 6,000 articles across the sector. His reporting spans cryptocurrency markets and the broader fintech industry, tracking not only price action but also the technological and regulatory forces shaping the ecosystem. To support his analysis, Kosta actively leverages on-chain data and metrics from leading platforms such as Santiment, Glassnode, and CryptoQuant, enabling deeper, evidence-based market insights. He believes in the power of transparency and the data that underpins the blockchain ecosystem. His academic background in Marketing Management from Denmark further complements his analytical approach, adding a strong understanding of communication strategy and content positioning to his work.

While the market watched the token and the trade press counted the acquisitions, Ripple became the second-largest corporate political donor in America. The crypto industry now supplies more than a third of all corporate election money, its flagship super PAC holds a $193 million war chest, and the bill it was all built to pass is on the Senate floor this month. Here is the audit of the spend.

Summary

Fairshake and its two affiliated super PACs entered the 2026 midterm cycle with roughly $193 million in cash, a figure disclosed ahead of the January Federal Election Commission deadline and larger than the entire crypto industry deployed across all of 2024. Ripple has contributed about $48 million this cycle, second only to Andreessen Horowitz among corporate donors by one accounting, alongside Coinbase at roughly $56 million, with a further $1 million sent directly to a single Senate candidate. Public Citizen’s tally puts total crypto election spending near $189 million, roughly 37% of all corporate money in the cycle, more than artificial intelligence, Big Tech, and online gambling combined. The structure is three PACs, not one: Fairshake for bipartisan candidate spending, Protect Progress for Democratic races, and Defend American Jobs for Republican ones, a design that lets the same money work both sides without appearing in the same place. The investment gets marked this month: the market-structure bill the spending exists to pass faces its decisive Senate window before the August recess, and roughly $110 million of the war chest remains unspent with the November midterms four months out. Ripple spent about $4 billion buying companies over three years, and this publication audited that empire last week. The company also spent roughly $48 million buying something else, and almost nobody has audited that at all. The second purchase does not appear on any acquisition list, produces no revenue line, and cannot be valued by any multiple, but it is aimed at the same outcome as the first: a legal environment in which the assembled business is permitted to operate. Ripple is now, by one national tally, the second-largest corporate political donor in the United States this cycle, behind only Andreessen Horowitz and ahead of every bank, airline, pharmaceutical company, and defense contractor in the country. It sits alongside Coinbase inside Fairshake, the crypto industry’s flagship super PAC network, which entered the 2026 midterm cycle with roughly $193 million in cash, more than the entire industry deployed across the whole of the 2024 elections, and which has already spent more than $82 million with four months of campaign still to run. The industry as a whole now supplies more than a third of all corporate election money in America. This piece is the ledger: what was given, how the machine is built, what the last cycle’s version of it actually bought, where it demonstrably failed, and why the next few weeks are when the position gets marked.

The ledger, itemized Start with the numbers, because their scale is the part most coverage understates.

Fairshake and its affiliates disclosed roughly $193 million on hand in January, ahead of the Federal Election Commission’s reporting deadline, a figure about 37% higher than its July 2025 disclosure. The second half of 2025 supplied the jump: Ripple contributed $25 million in a single commitment, Andreessen Horowitz added $24 million, and Coinbase had already put in $25 million earlier in the year, roughly $74 million from three companies in six months. Cycle-to-date totals run higher than those individual checks. Public Citizen’s accounting puts Coinbase at about $56 million and Ripple at about $48 million across the cycle’s channels, with a separate tally ranking Ripple second among all corporate donors nationally behind Andreessen Horowitz at $51.65 million. The figures differ because the counting differs, some tallies aggregate only Fairshake contributions while others include direct candidate giving and other committees, and any honest citation has to say which. What no accounting disputes is the order of magnitude: three crypto companies have put roughly $150 million into a single election cycle.

The industry total is the number that reframes everything. Public Citizen puts crypto’s 2026 election spending near $189 million, approximately 37% of all corporate political money in the cycle, against $517 million in total corporate spending that is itself up 12% from all of 2024. Artificial intelligence and Big Tech combined contributed about $60 million; online gambling about $45.6 million. One industry, younger than the iPhone, now outspends every other corporate sector in American politics, and roughly $56 million of crypto money went to MAGA Inc alongside the $82 million flowing through Fairshake.

Beyond the flagship network sits additional capacity: a newer vehicle called Fellowship PAC claimed a $100 million commitment for pro-crypto candidates, meaning the sector’s declared electoral firepower exceeds a quarter of a billion dollars before a single general-election ballot has been counted.

And then there is the retail-scale detail that shows the strategy has a second gear. Ripple sent $1 million directly to John Deaton, the pro-crypto attorney who lost Massachusetts’s 2024 Senate race to Elizabeth Warren by nearly twenty points and is running again in 2026 for the state’s other seat. Direct candidate contributions of that size are unusual, visible, and personal in a way super PAC money is not, which makes the Deaton line the clearest statement of intent in the entire ledger.

The machine: three PACs, one checkbook The structure deserves explanation, because its design is the reason the money works harder than its size suggests.

Fairshake operates as three entities. Fairshake itself directs funds to candidates across both parties. Protect Progress spends in Democratic races. Defend American Jobs spends in Republican ones. The architecture solves a specific problem in American electoral finance: money that visibly funds both parties is politically awkward in primaries, where partisan credibility is the currency, so the network splits itself into partisan-facing vehicles that draw from the same donor base and coordinate the same strategy. A Democratic primary voter sees Protect Progress; a Republican primary voter sees Defend American Jobs; both are the same industry, and neither ad mentions cryptocurrency at all, because Fairshake’s signature tactic has always been to spend on issues unrelated to its own, funding advertisements about housing, healthcare, or a candidate’s record while the crypto position remains the invisible criterion.

The targeting is equally deliberate. Fairshake concentrates in primaries, where money moves outcomes furthest per dollar, and in a small number of races selected for signaling value. Protect Progress backed Adrian Boafo in a Maryland Democratic primary this cycle, and he won. That pattern, early money in low-turnout contests, is how a nine-figure war chest contests dozens of races without ever needing to win a national argument about digital assets.

The strategic effect is the one Fairshake’s own spokespeople describe most plainly: the network is standing infrastructure now, not a one-cycle experiment. The 2024 build converted heavy experimental spending into permanent capability, with money left over, $64 million carried into this cycle before a dollar of new fundraising. An industry that can credibly promise to spend against a legislator in the next primary does not need to spend in most of them, which is the quiet dividend of the whole enterprise and the reason the unspent balance matters as much as the deployed one.

What the money bought last time The 2024 record is the only evidence base for what this spending achieves, and it points in one direction while carrying an important asterisk.

Fairshake and its affiliates raised approximately $93 million across the 2023-2024 build and spent more than $130 million on media buys supporting candidates they classified as pro-crypto and opposing those classified as anti-crypto. Two results defined the cycle’s reputation: Jamaal Bowman and Cori Bush, both incumbent House members regarded as industry critics, lost primaries in which Fairshake-funded advertising was widely credited as a decisive factor. Neither race was fought on crypto policy. Both outcomes were read across Capitol Hill as proof that the industry could end a career in a primary, and that reading, more than any individual seat, is what the money actually purchased. Legislative behavior since has been consistent with the lesson having landed: the House passed the market-structure bill 294 to 134, the stablecoin statute cleared with bipartisan support, and the number of members willing to be publicly identified as anti-crypto has thinned considerably.

The asterisk is Massachusetts. The industry’s most direct 2024 investment, backing John Deaton against Elizabeth Warren, its most prominent legislative opponent, failed by nearly twenty points, and it failed in the way that matters analytically: money could not make a general-electorate race about crypto when the electorate cared about something else. That result maps the strategy’s boundary precisely. Fairshake money is extremely effective in low-turnout primaries where a modest advertising advantage decides a small electorate, and largely ineffective in high-salience general elections where partisan identity dominates. Deaton is running again in 2026, with another $1 million from Ripple already committed, which will test whether the boundary moved or whether the industry is buying the same lesson twice.

The countervailing case, made properly An audit owes the other side its strongest form, and there are two of them, pointing in opposite directions.

The critics’ case is structural rather than moral. Public Citizen’s objection is not that crypto participates in politics but that the concentration distorts: when a single industry supplies more than a third of all corporate election money, the ordinary pluralism that keeps any one sector from dominating a legislature stops functioning, and legislators facing a nine-figure adversary in their next primary make different choices than legislators facing ordinary lobbying. The insider-adjacent critique is sharper still. The industry is spending to shape the rules governing its own regulation, and the rules in question, market structure, agency jurisdiction, and enforcement authority, determine whether the same companies face securities liability. That is not corruption in any legal sense, and it is exactly the arrangement campaign-finance reformers have described as legalized capture for fifty years.

The industry’s case is that this is what every regulated sector does, and it is not a weak argument. Banking, pharmaceuticals, energy, and telecommunications have all spent decades funding candidates and shaping the statutes that govern them, and crypto arrived to a legal environment in which its participants faced enforcement actions predicated on rules nobody had written for them. Political spending, on this reading, is the industry’s only proportionate response to an existential regulatory posture, and its bipartisan structure, funding Democrats and Republicans by design, is evidence of issue-based rather than partisan intent. Both cases are true simultaneously: this is normal American interest-group politics, and it is happening at a scale and concentration that has few peers in the modern record.

NEW: More than 100 crypto companies, including Coinbase, Ripple, and a16z, are pressing the Senate Banking Committee to move forward with the CLARITY Act, citing risks of jobs moving overseas without US regulatory clarity https://t.co/NFsjGXWGUB pic.twitter.com/OObAR7EP8j

— crypto.news (@cryptodotnews) April 24, 2026 The week the position gets marked Which brings the ledger to the present, where several clocks converge at once.

The market-structure legislation that the entire apparatus exists to pass faces its decisive Senate window before the August recess, with the outcome resting on a small number of Democratic crossover votes and a negotiation whose remaining disputes this publication has covered in detail. Fairshake’s money did not buy those votes and cannot, super PAC spending is prospective leverage over future primaries, not a transaction over a pending bill, but it is unquestionably part of the environment in which those senators are calculating. If the bill passes, the industry’s electoral investment will be credited with having built the conditions for it, and the remaining balance rolls into November with a validated theory. If it fails, roughly $110 million of unspent capacity meets a midterm election in which the industry has both the resources and the stated motive to remove specific legislators from office, and the 2027 Congress becomes the target instead.

Either way, the more interesting question for Ripple specifically is the one the ledger poses and cannot answer: the company has now spent about $4 billion assembling an institutional financial business and about $48 million assembling the political conditions for it, and only one of those investments has a disclosed return. The empire, as this publication’s audit found, is designed to succeed with or without the token. The political spend is designed to make the empire legal. Neither line item is about XRP, which is perhaps the most honest summary available of where Ripple’s actual priorities sit, and the market that still prices the company through its token’s chart is, once again, reading the wrong ledger.

What to watch The FEC filings after the Senate acts. Contribution and expenditure reports covering the coming weeks will show whether the industry accelerates into November or banks the balance. Sharp increases immediately after a legislative outcome, in either direction, would confirm the spending is tightly coupled to the bill rather than to a general political posture.

Deaton’s Massachusetts numbers. The rematch is the strategy’s clearest controlled experiment: the same candidate, the same state, a different seat, and a second round of industry money. A materially closer result would suggest the 2024 ceiling has lifted; a repeat would confirm that Fairshake money buys primaries and not general elections.

Which incumbents draw funded challengers. Watch whether the senators who blocked or slowed the market-structure bill face Fairshake-affiliated primary spending in their next cycles. That is the mechanism by which the 2024 lesson gets re-taught, and it is the most direct measure of whether the industry treats this vote as a scorecard.

The disclosure gap. Independent tallies of crypto political money differ by tens of millions depending on which vehicles are counted, and some contributions surface only in later filings. Any figure quoted before the FEC’s next full disclosure cycle, including the ones in this piece, is provisional, and the revisions are usually upward.

A closing observation about what this spending is not, because the distinction gets lost in the headline numbers. Campaign money is the smaller and more visible half of the industry’s influence apparatus; the larger half is conventional lobbying, trade associations, regulatory comment letters, personnel flowing between agencies and firms, and the technical assistance that shapes statutory language line by line long before any floor vote. Fairshake’s $193 million buys electoral leverage, which is a blunt instrument aimed at composition: who sits in the chamber. The quieter machinery aims at text: what the bill says once the chamber has been settled. Ripple’s participation in both is the reason the acquisition audit and this one belong on the same shelf, since a chartered bank application, a prime brokerage, and a stablecoin all depend on statutory definitions that are drafted in rooms no super PAC advertisement can reach. Judged only by the electoral ledger, the industry’s investment looks enormous and its returns ambiguous. Judged across both channels, the returns are already visible in the shape of the legislation itself, an asset taxonomy the industry helped define, a developer shield it asked for, a grandfather clause that resolves its most valuable assets’ status by statute. The $48 million is the part that files with the Federal Election Commission. It is not the part that writes the law, and the two should never be confused, least of all by anyone trying to estimate what the money actually bought.

Disclaimer: This article is for information and educational purposes only and does not constitute financial, investment, legal, or political advice. Campaign finance figures are drawn from third-party tallies and disclosures that vary by methodology and are revised as filings are published. Nothing here is a recommendation regarding any company, asset, candidate, or political position. Always do your own research. Information is accurate as of July 26, 2026.

Frequently Asked Questions How much has Ripple spent on US politics this cycle? Approximately $48 million across the 2026 cycle by Public Citizen’s accounting, including a $25 million contribution to the Fairshake network disclosed in late 2025, plus about $1 million given directly to Senate candidate John Deaton in Massachusetts. One national tally ranks Ripple second among all corporate political donors this cycle, behind Andreessen Horowitz at roughly $51.65 million.

What is Fairshake? The cryptocurrency industry’s flagship super PAC network, structured as three affiliated entities: Fairshake, which spends across both parties; Protect Progress, focused on Democratic races; and Defend American Jobs, focused on Republican ones. The network entered the 2026 midterm cycle with roughly $193 million in cash, funded primarily by Coinbase, Ripple, and Andreessen Horowitz, and had spent more than $82 million by mid-year.

How does crypto’s spending compare to other industries? It leads all of them. Public Citizen puts crypto election spending near $189 million, about 37% of all corporate political money in the 2026 cycle, against roughly $60 million from artificial intelligence and Big Tech combined and $45.6 million from online gambling. Total corporate election spending reached about $517 million, up 12% from the entire 2024 cycle.

Did this spending work in 2024? In primaries, apparently yes. Fairshake and affiliates spent more than $130 million on media in 2024, and industry-funded advertising was widely credited with defeating incumbent House members Jamaal Bowman and Cori Bush in primaries, outcomes read across Congress as proof the sector could end a career. In general elections the record is worse: the industry’s backing of John Deaton against Elizabeth Warren failed by nearly twenty points.

Why do the ads rarely mention crypto? Because Fairshake’s tactic is to spend on locally salient issues while the crypto position operates as the invisible selection criterion. Advertising in these races typically addresses housing, healthcare, or a candidate’s record, which is more persuasive to primary electorates than digital-asset policy and avoids making the industry itself the subject of the campaign.

Does this money buy votes on pending legislation? Not directly, and the distinction matters legally and analytically. Super PAC spending is independent expenditure aimed at future elections, not payment for legislative action, and coordination with campaigns is prohibited. Its influence is prospective: legislators weigh the possibility of a well-funded primary challenge, which shapes the environment around votes without constituting a transaction over any particular one.

What is the criticism of this level of spending? Public Citizen and similar groups argue the concentration distorts representation: when one industry supplies more than a third of corporate election money, the pluralism that prevents any single sector from dominating legislative outcomes weakens, particularly when the industry is funding the rules governing its own regulation. The industry’s response is that banking, pharmaceuticals, and energy have done the same for decades, and that political participation is a proportionate answer to enforcement-driven regulation.

What happens to the unspent money? Roughly $110 million of the war chest remained unspent at mid-year with the November midterms approaching, and the industry has additional declared capacity, including a newer vehicle claiming a $100 million commitment. If the pending market-structure legislation passes, that balance rolls into November behind a validated strategy; if it fails, the same money meets an election in which the industry has stated its intent to change the composition of Congress. This is educational analysis, not investment or political advice.

Japan advances crypto rules, XRP gains ground with financial sector partnerships

Coach Chad predicts major XRP move as CLARITY Act nears approval

XRP is showing renewed signs of strength as market data points to improving buyer confidence and sustainable momentum. Technical analysts have highlighted several factors suggesting that the asset, associated with the Ripple payment protocol, may be preparing for a more robust upward movement.

Technical data points to healthy demandAnalyst Crypto Patel noted that perpetual futures markets are registering positive funding rates, indicating that traders are willing to pay a premium to maintain long positions in XRP. Such funding rates typically reflect bullish sentiment, as investors expect further price appreciation.

Unlike previous speculative phases, Patel observed that current funding levels remain moderate. This suggests that renewed demand is emerging in a more stable manner, supported by actual capital rather than excessive leverage.

XRP’s 30-day Z-Score has also climbed above zero, signaling a shift in momentum after a period of consolidation. A Z-Score in this range indicates that the asset’s price is trading above its recent average and may be entering the early stages of a trend reversal.

Analysts view these signals as evidence that XRP is moving from an accumulation phase to the beginnings of a bullish trend. Another positive sign has been the growth of spot buying activity, reducing reliance on leveraged positions and indicating more genuine market participation.

Mini dictionary: Z-Score, a statistical metric that shows how far a data point is from the mean; in crypto, it can identify when an asset is trading significantly above or below its historical average, helping analysts spot early trend changes.

Support and resistance levels guide outlookMarket analyst Diana highlighted that XRP recently defended the $1.08 support mark, bouncing back within a consolidation range that stretches up to $1.145. According to CoinCodex figures, XRP was trading at $1.11 as buying interest persisted.

The four-hour chart reveals improving structure, with XRP establishing higher lows after recent pullbacks. This pattern often signals that buyers are gradually gaining control at higher price points.

Additionally, the Relative Strength Index (RSI) has climbed to about 48 and crossed its signal line, an indication that bearish momentum is receding. The price has also reclaimed key moving averages, strengthening short-term prospects for buyers.

A series of resistance levels remain in focus. Initial resistance appears from $1.103 to $1.107, with more significant opposition near $1.117. However, market participants are watching the $1.145 barrier, the upper boundary of the current range. Should XRP break past this mark, analysts cite $1.20 and then the $1.29 to $1.30 range as the next targets.

LevelSupport / Resistance$1.08Support$1.103-$1.107First resistance$1.117Dynamic resistance$1.145Major resistance$1.20Target on breakout$1.29-$1.30Next technical targetSpotlight on fundamentals and institutional growthDespite technical optimism, XRP continues to trade below levels some investors regard as fair value given recent advances by Ripple, the company behind XRP. Ripple has made significant regulatory progress, including major wins with authorities, attracted approximately $1 billion in spot ETF inflows, and grown its global payments infrastructure.

At the same time, XRP’s price remains well below its highs from earlier in 2025. This has led some market participants to suggest that positive developments have not yet been fully reflected in the market.

XRP’s transition from leveraged speculation to spot-driven demand is viewed as a more sustainable foundation by analysts, while a successful move above the $1.145 level would reinforce the emerging bullish trend.

Japan’s rapid progress in digital asset regulation and growing partnerships—especially through SBI Ripple Asia—are further supporting XRP’s use in cross-border payment solutions, enhancing its global footprint.

As a result, increasing institutional adoption and broader utility for XRP are expected to eventually influence the asset’s performance, provided current technical trends continue.

For now, traders are closely watching the $1.145 resistance level as the key obstacle for the next phase of upward momentum. Continued support at $1.08 is seen as confirmation that buyers remain in control during this consolidation phase.

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 recent analysis by wealth-focused YouTube host Kamilah Stevenson indicates that XRP’s largest token holders have been steadily increasing their positions amid a prolonged decline in the token’s price since its July peak. Stevenson highlighted that these major holders accumulated roughly 4.63 billion XRP, valued at about $4.9 billion, during the extended downturn.

Major accumulators increase balances during price weaknessStevenson’s review of on-chain wallet and exchange data suggests that XRP’s large holders, often referred to as “whales,” steadily added to their reserves while smaller investors reduced exposure. Initially, these whales reportedly sold into XRP’s rally, causing their combined balance to drop to around 7.5 billion XRP by mid-August.

As the market continued to retrace, these major holders reversed course, with their cumulative balances climbing to 11.8 billion XRP by December. After stabilizing for three months, accumulation resumed in March.

According to Stevenson, current balances have reached approximately 12.13 billion XRP. She described this activity as a series of purchases throughout the downturn, rather than a single major buy near market highs.

They did not buy the top and hold, but rather accumulated positions as the price weakened, Stevenson said.

She further interprets these inflows as large wallets absorbing supply from mid-sized holders. Wallets controlling between 10 million and 100 million XRP have shown steady accumulation patterns, while those managing between 100,000 and 10 million XRP have predominantly been distributing tokens.

Exchange flow and wallet trends signal reduced selling pressureStevenson also pointed to elevated levels of outflows from Binance, the world’s largest cryptocurrency exchange by trading volume, where the outflow dominance reportedly reached 91.4%. Meanwhile, retail activity across major exchanges slipped roughly 8.4% in the same period.

She stated that around 90.5% of these exchange flows were attributed to large holders withdrawing their coins to self-custody, rather than moving assets onto platforms for sale. This trend suggests a tightening supply available for trading on exchanges.

Currently, more than 332,000 wallets hold at least 10,000 XRP, reflecting broad, established ownership. However, new wallet creation declined to its lowest rate since November 2024, pointing to subdued demand from new market entrants even as existing holders restructured their positions.

Stevenson drew parallels to earlier periods, comparing recent exchange flows and wallet behaviors to episodes ahead of XRP rallies in October 2024 and June 2023. At the same time, she cautioned that historical signals have not always led to immediate price rebounds.

Large holders can be early, so their accumulation does not always guarantee an instant market move, Stevenson noted.

YouTube personality Kamilah Stevenson is known for her in-depth analysis of cryptocurrency wealth trends and frequently shares insights on on-chain activity within the digital asset market.

Mini dictionary: Kamilah Stevenson is a prominent content creator focusing on cryptocurrency trends and wealth strategies, with a large audience on YouTube.

PeriodLarge Holder XRP BalanceKey TrendMid-August 20247.5 billionSold into rallyDecember 202411.8 billionAccumulated during declineMarch 2025Resumed accumulationContinued growth in balanceCurrent12.13 billionStill accumulatingDisclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

XRP approaches third retest of 8-year resistance, eyes $8 to $13 targets

Bitcoin slipped below $65,000 on Monday as traders positioned ahead of Federal Reserve policy decision Wednesday.

Notable Statistics:

Coinglass data shows 118,449 traders were liquidated in the past 24 hours for $437.94 million.        SoSoValue data shows net outflows of $240.08 million from spot Bitcoin ETFs on Wednesday. Spot Ethereum ETFs saw net outflows of $70.6 million. In the past 24 hours, top gainers include Pump.fun, LayerZero and Aerodrome Finance. Notable Developments:

Trader Notes:

Technical analyst Lennaert Snyder says Bitcoin’s weekend rally is retracing as expected after rejecting the $65,800 level, leaving liquidity above those highs as a likely future upside target.

He is watching three potential long-entry zones, with the first around $63,500.

The preferred accumulation area remains around $60,000, while $59,000 is viewed as the extreme range low potentially offering the best risk-reward if buyers step in.

Snyder also cautioned traders to account for potential volatility ahead of this week’s FOMC meeting.

Trader KillaXBT argues that today’s calls for $50,000–$40,000 Bitcoin mirror the 2022 market, when many investors waited for $10,000–$12,000 after Bitcoin had already bottomed near $16,000.

He contends that buying at $16,000, $20,000, or even $25,000 all proved profitable, with those willing to enter early ultimately rewarded.

Applying the same logic now, being early may look wrong for a few months. However, he remains confident Bitcoin will exceed $160,000 this cycle and long-term gains will outweigh the timing of the entry.

Image: Shutterstock

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Flare Networks is preparing for its biggest XRPFi expansion, with the first upgrades expected within weeks. CEO Hugo Philion says the next six months could change how XRP is used in DeFi, potentially bringing up to 5 billion XRP into the ecosystem.

The move comes as the XRP price has been struggling to gain strong price momentum after dropping 72% from its peak.

Flare Plans Major XRPFi ExpansionFlare CEO Hugo Philion announced that the network is starting a six-month integration phase focused on bringing more XRP into programmable finance. He said, 

“Starting in the next couple of weeks, the next 6 months are going to be transformative for XRPFi through Flare.

The plan targets a key weakness of the XRP Ledger (XRPL). While the XRP Ledger is already widely used for payments, it was not built for native smart contracts. 

Flare aims to add that missing DeFi layer without changing the core XRP Ledger itself.

Starting in the next couple of weeks the next 6 months are going to be transformative for XRPFi through Flare.

— Hugo Philion (@HugoPhilion) July 26, 2026 Flare’s FAssets system is central to this plan. It allows XRP holders to mint FXRP at a 1:1 ratio and use it across DeFi applications such as lending, staking, liquidity pools, and yield products.

5 Billion XRP Could Enter DeFiThe biggest target is the amount of XRP Flare wants to bring into the ecosystem. Philion expects the protocol to eventually attract up to 5 billion XRP, equal to roughly 5% of XRP’s total supply. 

If reached, such a large amount moving into DeFi could reduce the amount of XRP sitting on exchanges and give the token more use beyond payments.

Flare’s first phase has already shown strong demand. The company said XRPFi had about $200 million in XRP TVL, more than 3.4 million FXRP DeFi transactions and around 16,500 users.

The Flare dashboard also shows 143.85 million FXRP locked in DeFi, representing about 95.56% of its tracked FXRP supply.

Flare Targets Easier and Private DeFiThe next phase is not only about bringing more XRP into DeFi. Flare is also working on making the process easier for users and institutions.

Through Flare Smart Accounts, XRP holders can access DeFi products from wallets such as Xaman without manually handling cross-chain steps.

Flare is also adding Confidential Compute, which could allow institutions to make large trades or take loans while keeping sensitive details private but still verifiable on-chain.

That makes the 5 billion XRP goal more than a simple supply-locking target. Flare is trying to turn XRP from a payment focused asset into a usable part of the wider DeFi market.

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In major XRP news today, $3.6 billion AUM EverSource Wealth Advisors has disclosed significant holdings in XRP ETFs along with investments in Bitcoin ETFs. The financial advisor also reported stock holdings in Evernorth Holdings’ SPAC, Strategy (MSTR), and other crypto stocks.

EverSource Wealth Advisors Reveals Exposure in XRP ETFs EverSource Wealth Advisors has disclosed exposure in multiple XRP ETFs, according to the latest 13F filing with the US SEC. The firm has joined other tradFi companies exploring crypto ETFs due to rising confidence amid growing regulatory clarity.

EverSource Wealth Advisors holds 1,777 shares of ProShares Ultra XRP ETF. In addition, the firm revealed small holdings in Franklin XRP ETF. The small position likely followed after Wall Street giants such as Bank of America’s XRP ETF exposure.

The financial advisor also disclosed 250 shares held in Ripple-backed Evernorth Holdings’ SPAC Armada Acquisition Corp II (XRPN) stock. The buy comes as Evernorth Holdings moved closer to a merger with Armada Acquisition Corp II, as CoinGape reported earlier.

Moreover, institutional interest in XRP is rising amid RWA tokenization, XRP Ledger (XRPL), and Ripple’s partnerships with Wall Street and global companies. Recently, Ripple launched Ripple Mint to enable institutions to mint, redeem, and manage RLUSD through APIs and web access.

Meanwhile, spot XRP ETFs saw net inflows of $8.15 million last week, according to SoSoValue data. As a result, the cumulative inflows to date have increased to $1.49 billion. Also, total assets under management across five XRP ETFs have reached $1 billion.

Holdings in Bitcoin ETFs, MSTR, Other Crypto Stocks Holding EverSource Wealth Advisors also revealed holdings in multiple spot Bitcoin ETFs including BlackRock Bitcoin ETF (IBIT), Fidelity’s FBTC, Ark 21Shares’ ARKB, Grayscale’s GBTC, and Bitwise’s BITB.

The firm holds 100,108 shares worth over $3.3 million in BlackRock Bitcoin ETF and 88,591 shares in ARKB. These two mark the firm’s largest holdings in spot Bitcoin ETFs.

In addition, EverSource has holdings in Strategy (MSTR), Trump family-backed American Bitcoin Corp (ABTC), Robinhood (HOOD), and other crypto stocks. Notably, the firm has 43,674 shares of MSTR and 16,355 STRK perpetual shares.

As CoinGape reported recently, Farmers & Merchants Investments disclosed XRP ETF, Bitcoin ETFs, and Robinhood holdings. ETF holdings 261 shares of BlackRock Bitcoin ETF and 475 shares of Robinhood Markets, according to the SEC filing.

While institutions purchase traditional shares, on-chain traders can access fractionalized equities directly through the best platforms to trade tokenized stocks.

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.

If a movie were made about the crypto industry, David Schwartz of Ripple would be played by Ian McKellen, best known for his role as Gandalf. At least, that was the verdict delivered by Grok after Ripple's CTO Emeritus jokingly asked the AI which actor would be suitable to portray him in a biographical film about his life.

In the AI-generated concept, the hypothetical biopic received the working title "The Ripple Wizard." Grok said the bearded developer gives off the "energy of a wise wizard," while the creation of the XRP Ledger was described as "decentralized financial magic." The AI even reworked the character's iconic quote: "You shall not pass… without fast and cheap cross-border payments!"

Schwartz replied in the comments that he would have preferred Jeff Daniels, although he admitted that the actor was "already too old."

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The exchange directly echoes the current design of Schwartz's profile page. As the cover image for his account, the developer uses an AI-generated, dramatic synopsis styled as the opening of a Hollywood thriller.

David Schwartz'z header on X with a hypothetical scenario about Ripple movie, Source: XThe text is a direct and ironic reference to Ripple's years-long legal battle with the U.S. Securities and Exchange Commission. Grok's joke about a fantasy version of the creation of XRPL effectively fits the same background.

The parallels with the "wise old man" also match Schwartz's actual position within Ripple. One of the main architects of the XRP Ledger previously stepped down from his operational role as the company's chief technology officer and moved into the strategic position of CTO Emeritus.

The move allowed Schwartz to completely free himself from administrative routines, management responsibilities, and corporate meetings. The developer returned to writing fundamental code and optimizing the network, effectively taking on the role of the ecosystem's chief technical elder.

Just a joke or a subtle teaser?First there was the custom AI-generated screenplay in his profile header, and now there is a discussion with Grok about the potential cast. Recently, Schwartz has made several public references to a possible movie about Ripple.

Most likely, this remains part of the executive's usual geek humor. But could Schwartz be hinting at real negotiations over a documentary or a screen adaptation of Ripple's story?

XRP is once again drawing close attention from traders as prominent cryptocurrency analyst Gina highlighted that the digital asset has returned to a critical level within its trading range. Based on her recent post on X, Gina believes that current price action mirrors a key midpoint that defined major market moves in previous years.

Comparison to Previous CyclesGina presented a side-by-side comparison of XRP’s market structures for two different periods: the cycle from 2021 to 2023 and the emerging 2024 to 2026 timeframe. Her analysis focused on the statistical midpoint of XRP’s trading range, where she observed that the price had previously established a significant bottom just before a notable recovery.

The accompanying chart in her X post mapped out this midpoint, showing that both cycles reached 50% of their respective ranges before displaying trend reversals. Gina stated that XRP has now touched this proportional level once more, suggesting a possible repeat of historical price dynamics if the market responds similarly.

Over the 2021–2023 stretch, XRP formed a bottom at 50% of its range, and in the 2024–2026 period, this same level has just been reached again, sparking renewed interest in tracking the asset’s next move.

The chart also outlined a hypothetical scenario in which XRP forms a fresh bottom, stabilizes, and then rallies toward previous highs. While this projection is based on technical patterns rather than definite signals, Gina argued that this midpoint warrants close monitoring as a potential trigger for new market momentum.

Market Attention Versus UtilityGina placed special focus on the role of investor sentiment and market attention, rather than utility-driven use cases, as the main factor driving XRP’s performance. She explained that, in her view, XRP does not need to serve as the backbone for global banking transactions in order to attract positive price movements.

Instead, she emphasized that shifts in market sentiment and increased monitoring of technical levels could lead to renewed activity and upward moves for the asset. Gina concluded that reaching this proportional price level may signal an opportunity for participants if prior patterns hold true.

Gina asserted that XRP does not require mass banking adoption to perform competitively; she sees increased attention and focus from the crypto market as sufficient to influence its price movement at pivotal levels.

The analysis received positive responses from several X users, who expressed hope for a rebound in XRP’s price. One user shared a desire for the asset to recover and surpass the level at which they bought in last year, reflecting ongoing optimism among holders looking to break even.

Another participant responded with strong enthusiasm, suggesting that a new bull run for XRP may be on the horizon. Such comments capture rising confidence within sections of the XRP community, despite ongoing uncertainty about the asset’s immediate trajectory.

With attention fixed on technical midpoints and historical cycles, some traders are looking to platforms that streamline access to diversified assets. In this context, solutions like 1stepSwap have gained traction, as they transfer real-world assets directly onto the blockchain. By offering users the ability to access shares of major US companies or commodities such as gold and silver straight from their crypto wallets—always at the best market price and without intermediaries—these platforms enable fast and efficient diversification, aligning with market participants’ desire to react quickly to evolving trading setups.

Whether XRP will repeat past recovery patterns at the 50% range midpoint remains uncertain. Market observers appear poised to watch closely as the current trading structure continues to unfold over the coming weeks.

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

XRP has once again reached the midpoint of its trading range, a level that previously marked a significant turning point for the cryptocurrency, according to market watcher Gina. The analyst, known for her presence in the XRP community, shared a detailed chart on X comparing the digital asset’s current and past price cycles, suggesting that this zone could play a decisive role in XRP’s next move.

Historical comparison: 2021–2023 versus 2024–2026In her recent post, Gina drew parallels between the market structure from 2021 to 2023 and the ongoing period of 2024 to 2026. She presented side-by-side charts highlighting how XRP previously bottomed out after reaching 50% of its trading range in the earlier cycle. Her analysis proposes that XRP has now arrived at this key midpoint again, indicating a potentially similar scenario to the last significant price recovery.

The chart identifies the 50% range as the point where the previous correction ended and the price rebound began. This area is labeled as the “most important level,” suggesting its relevance for investors tracking historical patterns in XRP’s price action.

XRP’s last market bottom occurred at 50% of the range during 2021–2023. Now, in the current cycle, the asset has returned to the same level, which is seen as a potential inflection point if history repeats.

The visualization projects a potential recovery phase similar to the past, in which XRP finds support at this midpoint and advances toward former highs. However, Gina clarified that this interpretation is a technical perspective rather than a definitive forecast for future performance.

Focus shifts: Utility versus price actionBeyond technical patterns, Gina stressed that XRP’s market value does not solely depend on widespread adoption as a financial rails solution. She argued that strong price performance can emerge regardless of whether XRP becomes a primary platform for global bank transactions.

Instead, she pointed to increased market attention as a key driver, emphasizing that even without large-scale banking integration, sufficient interest and focus on XRP could lead to significant movement within the current cycle.

XRP does not need to become the next bank transaction layer to deliver strong returns. Market attention at important levels can be enough to drive substantial activity.

Her remarks indicate a belief that the present level demands close observation from traders and investors, especially if previous market behavior is repeated.

Mini dictionary: “Bank transaction layer” refers to a blockchain platform or asset used by banks for moving money between institutions, aiming to serve as foundational financial infrastructure for interbank or cross-border settlements.

Community sentiment and expectationsResponses from the XRP community on X were generally optimistic following Gina’s analysis. Some participants expressed hope that reaching the key 50% level could spark a rally strong enough to bring prices back to or above their entry points, underlining investor anticipation for a trend reversal.

Other community members voiced even greater confidence, suggesting they believe a major upward swing may be on the horizon. The overall sentiment among XRP holders appeared to lean positive, though the ultimate direction of the market remains open and subject to further developments.

Gina’s multiple-cycle comparison reinforces the view that XRP’s price is tracking a historical pattern, with the 50% range once again in the spotlight. Whether this technical setup results in a significant move in the weeks and months ahead will depend on subsequent market dynamics.

Market CycleKey LevelObserved Outcome2021–202350% of trading rangeMarking of the bottom, followed by a recovery2024–202650% of trading range (current)Under observation for repeat of past patternDisclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

Leading cryptocurrencies lifted late on Sunday alongside stock futures as investors weighed the pause in hostilities between the U.S. and Iran.

Overnight Rally For CryptoBitcoin lifted to $65,500 late in the day, only to face sharp resistance from the bears. Trading volume rose nearly 9% over the last 24 hours.

Ethereum followed a similar path, spiking to an intraday high of $1,960 only to reverse sharply and retreat lower.

Over $200 million was liquidated from the cryptocurrency market in the last 24 hours, with $160 million in bearish short positions erased, according to Coinglass data.

Bitcoin’s open interest fell 1.75% over the last 24 hours. A decrease in open interest alongside an increase in spot price typically indicates short covering, signaling that short sellers are buying back contracts to exit positions.

That said, "Fear" sentiment prevailed in the market, according to the Crypto Fear & Greed Index.

Top Gainers (24 Hours) 

The global cryptocurrency market capitalization stood at $2.22 trillion, following a contraction of 0.54% over the last 24 hours.

Stock Futures Surge Amid Pause in FightingStock futures rallied overnight on Sunday. The Dow Jones Industrial Average Futures jumped 253 points, or 0.49%, as of 8:50 p.m. EDT.  Futures tied to the S&P 500 gained 0.66%, while Nasdaq 100 Futures climbed 1.21%.

The U.S. has held off attacking Iran since Friday night after striking for 13 days. Iran has also stopped its retaliatory attacks since then. However, Washington continued its naval blockade of Iranian ports.

Is Bottom Finally in?Michaël van de Poppe, a widely followed cryptocurrency analyst and trader, declares the cryptocurrency market bottom is “very likely” in, with a strong bet on the Ethereum ecosystem and altcoins outperforming Bitcoin.

“Big week upon us,” the analyst projected.

Jesse Olson, a technical analyst focused on cryptocurrency charts, also identified a bullish bottom signal for Bitcoin where the orange line crossed above the purple line on his custom Rainbow Moving Average indicator.

The indicator uses multiple-layered moving averages plotted in different colors to spot market trends and find reversal points.

“Price was at $16,900 when the cross happened. Weeks later, bull run had begun,” Olson stated. “Few months to go, buy the right dip.”

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Crypto researcher SMQKE has drawn attention to what he describes as the largest untapped opportunity for XRP and XLM, focusing on their roles in the global market for institutional cross-border transactions.

Institutional payments offer larger growth opportunitiesSMQKE asserted that the true value proposition for both XRP and XLM lies well beyond consumer remittances. He emphasized that banks and financial institutions move significant sums internationally each day, presenting a much larger market for blockchain platforms designed for business-to-business settlements.

He expressed confidence in the platforms by stating,

XRP and XLM will target the big money. The big money is in cross-border payments; that’s why Ripple and Stellar exist. XRP plus XLM equals big money. Watch.

To further illustrate his point, SMQKE shared a video elaborating on the distinct market focus for Ripple and Stellar. Rather than replacing established retail money transfer firms, both networks are designed to facilitate high-value business payments between major financial institutions.

Ripple is the company behind the XRP ledger, specializing in solutions for rapid, low-cost cross-border transactions. Stellar develops the XLM network, aiming to connect financial institutions and enable fast, affordable transfers worldwide.

Mini dictionary: SMQKE – A social media-based cryptocurrency researcher known for sharing market insights and analysis with a focus on blockchain payment technologies.

Video highlights backend focus of Ripple and StellarIn the video shared by SMQKE, the speaker distinguishes between consumer remittance businesses such as Western Union and blockchain-based networks like Ripple and Stellar. The explanation emphasizes that retail money transfer services are unlikely to disappear; instead, these firms are expected to gradually upgrade their back-end infrastructure with blockchain solutions.

The video states that business-to-business payments across borders represent a substantially greater financial opportunity compared to consumer remittances. High-volume payments between institutions currently incur significant costs and inefficiencies, which blockchain tech could address.

Ripple and Stellar are portrayed as backend networks designed for institutional participants. The video notes that these platforms enable banks and major firms to settle international transactions more efficiently, reducing fees and settlement times compared to traditional systems. The ability to move transaction data quickly, even ahead of funds themselves, was highlighted as a key advantage of distributed ledger technology.

Rather than focusing on people sending small amounts to family members, the true opportunity for blockchain networks lies in enabling banks to transfer large sums across borders in a faster and more cost-effective manner.

Ripple’s permissioned network vs. Bitcoin’s open ledgerThe video also compares the architectures of Ripple and Bitcoin, noting that Bitcoin operates as an open, permissionless ledger where anyone can participate without approval. Ripple, however, is described as a permissioned network, allowing only approved institutions to join and transact.

In practical terms, an international payment over the Ripple network typically involves both sending and receiving banks that have agreed to use XRP as a settlement medium via trusted validator nodes within the network. This institutional approach is aimed at meeting compliance, privacy, and regulatory requirements.

FeatureRipple (XRP)Stellar (XLM)Bitcoin (BTC)Network typePermissionedPermissionlessPermissionlessMain usersBanks, financial institutionsBanks, institutions, remittance providersGeneral public, individualsPrimary use caseInstitutional cross-border paymentsCross-border payments, connectivityPeer-to-peer value transferSMQKE maintains that XRP and XLM are well-positioned to capitalize on the trend toward swifter, more dependable global payments, particularly within institutional corridors.

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

Crypto analyst SMQKE has stated that XRP and XLM are positioned to capture major opportunities in the institutional cross-border payments sector. Instead of targeting consumer remittances, the focus, according to SMQKE, lies in facilitating large-scale transactions for banks and financial companies across different countries.

Analyst highlights shift to institutional paymentsOn X (formerly Twitter), SMQKE wrote, “XRP and XLM will target the BIG money,” underscoring that the most significant market lies within cross-border payments handled by institutions. He further emphasized, “The BIG MONEY is in cross-border payments… that’s why we have Ripple and Stellar. XRP + XLM = Big Money. Watch.”

“XRP and XLM will target the BIG money. The BIG MONEY is in cross-border payments… that’s why we have Ripple and Stellar. XRP + XLM = Big Money. Watch.”

Alongside his statements, SMQKE included a video detailing why Ripple and Stellar were designed to meet the needs of business payments, instead of focusing on consumer money transfers provided by traditional remittance firms.

Ripple and Stellar built for financial institutionsIn the video, the presenter explains that companies such as Western Union will likely continue operating while adapting to emerging blockchain solutions. The discussion points out that retail remittances represent only a fraction of the larger transaction volumes moved by organizations in the global financial system.

The presenter clarifies that high-value, business-to-business payments remain expensive due to outdated infrastructure. This inefficiency creates an opportunity for networks like Ripple and Stellar, which focus on institutional clients seeking to settle cross-border transactions efficiently.

Ripple, known for its digital payment protocol and native asset XRP, and Stellar, the network behind XLM, both aim to provide backend solutions for financial entities rather than targeting individual retail users.

Mini dictionary: Ripple and Stellar, payment networks that use blockchain-based distributed ledger technology to settle cross-border payments with their native assets, XRP and XLM, targeting institutional financial markets.

The video suggests legacy correspondence banking still matters, but distributed ledger systems can allow both transaction data and funds to move faster, supporting greater efficiency throughout the banking sector.

Comparison with Bitcoin network structureThe presenter distinguishes Ripple’s blockchain architecture from Bitcoin’s open protocol. Bitcoin functions as a public, permissionless distributed ledger, allowing anyone to participate without authorization.

Ripple, on the other hand, operates as a permissioned system tailored for authorized financial institutions. Within this network, only recognized members can interact and settle transactions through verified nodes.

Rather than enabling individuals to transfer money directly over an open network, Ripple’s design ensures cross-border payments occur between regulated banks within a secure and transparent environment.

According to SMQKE, the approach taken by XRP and XLM places both assets in a strong position to fulfill rising institutional demands for streamlined cross-border payments, potentially giving them an advantage in this expanding market segment.

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

Crypto market analyst SMQKE has identified what he considers a pivotal opportunity for XRP and XLM, emphasizing the potential of these digital assets to play a significant role in the global institutional cross-border payments sector.

Emphasis on institutional payment flowsRather than focusing on consumer remittance payments, SMQKE highlighted the much larger market of institutional transactions, where banks and financial organizations transfer substantial sums internationally every day.

Through a social media post, he asserted that XRP and XLM are strategically positioned to address this sector, saying they will “target the BIG money.” He further mentioned that the presence of Ripple and Stellar illustrates the focus on institutional-scale solutions for cross-border financial operations.

“XRP and XLM will target the big money. The big money is in cross-border payments — that’s why we have Ripple and Stellar. XRP + XLM = Big Money. Watch.”

To explain his stance, SMQKE shared a video outlining how both Ripple and Stellar were created to meet the needs of large-scale business payments, rather than just replacing existing retail-focused money transfer services.

Distinguishing consumer from business transactionsThe speaker in the attached video began by addressing the role of established remittance companies such as Western Union. He suggested that these services are unlikely to disappear with the emergence of blockchain technology, but may adapt to new developments while maintaining their position in the market.

According to the video, major financial gains are found not in small-scale remittances, but in business-to-business transactions that operate across borders. These high-volume payments are described as costly and inefficient under present systems, which has opened the door for blockchain networks like Ripple and Stellar to offer alternative settlement solutions for financial institutions.

Ripple and Stellar are characterized as platforms tailored for back-end transactions between banks, rather than direct peer-to-peer transfers for consumers. The emphasis rests on enabling interbank fund movements through new digital rails, instead of focusing solely on personal money transfers overseas.

Distributed ledger technology allows transaction data and settlements to move more rapidly, helping institutions manage cross-border payments with increased speed and reduced friction compared to legacy systems.

One technical point raised notes that as payment services evolve, the speed of transaction data has become as important as the movement of funds themselves. The application of distributed ledger solutions is projected to deliver faster settlements and improved efficiency within institutional financial networks.

To address the need for comprehensive real-time market monitoring and efficient portfolio management among institutions and individual investors, tools like CryptoAppsy have gained traction. This platform combines live pricing, advanced charting, multi-currency overviews, and timely macroeconomic updates such as Fed interest rates. It allows users to filter crypto news by coin, track newly listed assets, and set price alerts, helping them stay alert to major market shifts.

Ripple’s network model set apart from BitcoinThe video also compared the network structures of Ripple and Bitcoin. While Bitcoin offers a permissionless architecture open to all participants, Ripple’s system requires institutions to join as members, creating a permissioned environment where known banks interact through validated nodes.

For international payments, the process sees banks on the Ripple network facilitating transactions on behalf of customers, enabling more controlled and secure settlement via distributed ledger technology. The approach is designed to streamline business transactions on a global scale, targeting the market sector identified by SMQKE as both lucrative and under-served by current frameworks.

Through these discussions, SMQKE reinforced his view that XRP and XLM remain poised to benefit from increasing demand among institutions for smoother cross-border transactions and settlement efficiency.

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

Crypto researcher SMQKE has drawn attention to what he considers the largest opportunity for XRP and XLM, emphasizing their focus on institutional cross-border payments rather than consumer remittance services.

Focus on Institutional Cross-Border TransfersSMQKE argued that Ripple and Stellar, the companies behind XRP and XLM respectively, were developed to facilitate high-value transactions between banks and financial institutions worldwide. He underscored that the true growth potential lies in large-scale transfers handled by these organizations, which move trillions of dollars internationally each day.

In a social media post, SMQKE stated, “XRP and XLM will target the BIG money,” and further remarked, “The BIG MONEY is in cross-border payments — that’s why we have Ripple and Stellar.” He concluded with the message, “XRP + XLM = Big Money. Watch.”

“XRP and XLM will target the BIG money. The BIG MONEY is in cross-border payments — that’s why we have Ripple and Stellar. XRP + XLM = Big Money. Watch.”

To support his views, SMQKE shared a video explaining that Ripple and Stellar were designed to modernize business-to-business fund transfers, rather than compete directly with traditional money transfer services aimed at individual consumers.

Mini dictionary: Ripple and Stellar, both founded by Jed McCaleb, are blockchain-based payment networks designed for fast, low-cost international transactions. Ripple focuses on institutional bank settlements, while Stellar targets a broader range of financial entities, including remittance firms and NGOs.

The video’s speaker pointed out that although traditional remittance providers like Western Union are likely to continue operating, these firms may integrate new technologies to maintain competitiveness. According to the discussion, the overwhelming majority of payment volume occurs at the institutional level, where inefficiencies and high costs persist under the current global banking system.

Technology Designed for Financial InstitutionsThe video further described how Ripple and Stellar separate themselves from retail solutions by focusing on backend systems that connect financial institutions. Unlike consumer-oriented services, these networks are built to transfer large sums between banks, facilitating improved settlement times and reduced costs.

Ripple and Stellar are positioned as networks enabling banks to settle cross-border payments faster and more efficiently than legacy correspondent banking systems.

The speaker emphasized the growing importance of transaction data speed, explaining that new blockchain-based systems allow information and funds to move quickly and securely. Distributed ledger technology was highlighted as playing a central role in enhancing transparency and accelerating settlement between accredited participants.

Comparison With Bitcoin’s StructureThe video contrasted Ripple’s network with Bitcoin’s, noting that Bitcoin operates as a fully decentralized, permissionless ledger. Anyone can join Bitcoin’s network, making it open to all participants without a central authority.

In contrast, Ripple employs a permissioned architecture. Only approved financial institutions and partners are able to participate as validators, which enables banks to transact reliably and securely within a controlled environment.

RippleBitcoinNetwork typePermissionedPermissionlessMain usersBanks, financial institutionsGeneral publicTransaction focusCross-border settlementsPeer-to-peer paymentsValidator nodesSelected and approved participantsOpen to allThe discussion concluded that high-volume, business-driven cross-border transfers are likely to rely on networks like Ripple and Stellar, giving XRP and XLM a strategic position in the future of global payments.

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

Cryptocurrency researcher SMQKE has emphasized what he considers the most significant opportunity for Ripple’s XRP and Stellar’s XLM, pointing to the booming institutional cross-border payments sector as their prime target—rather than the traditional market of consumer remittances.

Focus shifts to institutional transactionsSMQKE stated that the real potential for both XRP and XLM lies in handling large-scale international transactions conducted by banks and financial institutions, not in facilitating everyday money transfers for individual users.

He summarized this view through a social media post, noting, “XRP and XLM will target the BIG money,” and added, “The BIG MONEY is in cross-border payments—that’s why we have Ripple and Stellar.”

XRP and XLM will target the BIG money. The BIG MONEY is in cross-border payments—that’s why we have Ripple and Stellar. XRP + XLM = Big Money. Watch.

To underline his point, SMQKE linked to a video that examines the design of Ripple and Stellar. The video asserts that these platforms address the needs of large-scale business payment flows, rather than seeking to replace companies specializing in retail-facing remittances.

Ripple is the fintech company behind XRP, focused on providing payment solutions to the banking sector. Stellar, created by the Stellar Development Foundation, aims to connect global financial infrastructure through its native asset XLM.

Mini dictionary: SMQKE, an active cryptocurrency researcher and commentator known for sharing market analyses and insights on X (formerly Twitter).

Video contrasts consumer and business paymentsIn the video, the presenter argues that the rise of blockchain technology will not eliminate companies such as Western Union, which remain relevant for serving individual consumers. Instead, these firms are likely to adopt new technologies while continuing to operate in their established markets.

The presenter identifies business-to-business cross-border transactions as a far greater opportunity in terms of transaction volume and value. According to the video, existing financial infrastructure leaves these high-value transfers burdened by excessive costs and latency, suggesting that blockchain-powered payment networks could make these processes more efficient for institutions.

Ripple and Stellar, according to the explanation, are designed specifically to facilitate backend transactions between banks and financial companies—rather than focusing directly on end users sending money to family members abroad. The discussion notes that these networks support interbank transfers, streamlining settlements and adding transparency for participants.

The biggest opportunity for Ripple and Stellar lies in transforming institutional cross-border transactions, offering faster and cheaper alternatives to legacy systems like correspondent banking.

In the same context, the presenter highlights the ongoing relevance of correspondent banking. While this system remains integral for moving money internationally, modern payment technologies now allow transaction data to move faster than capital flows. Distributed ledger technology is described as a breakthrough enabling much quicker settlements between institutions.

Ripple’s permissioned model versus BitcoinThe video further differentiates Ripple’s approach from Bitcoin’s architecture. As explained, Bitcoin operates through an entirely open, permissionless ledger, allowing anyone to participate without external approval.

In contrast, Ripple’s network is described as permissioned, admitting only approved institutions as participants. These financial organizations recognize one another through established validator nodes and interact within a controlled environment.

The speaker uses the example of an international funds transfer, where both the sending and receiving entities are banks operating within the Ripple ecosystem, with transactions verified and executed on its distributed ledger. The goal is to facilitate institutional transactions with increased speed, efficiency, and transparency.

By sharing these insights, SMQKE reiterates his stance that XRP and XLM are strategically positioned to benefit from the growing demand among banks and businesses for modernized cross-border payment solutions.

NetworkTypeMain Use CaseParticipantsRipplePermissionedInstitutional paymentsBanks, financial firmsBitcoinPermissionlessOpen value transferAnyoneStellarOpen network with regulated anchoringInstitutional and individual transfersFinancial entities, individualsDisclaimer: 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.

Spot ETFs tied to Bitcoin, Ethereum, Solana, and XRP collectively attracted more than $152 million in net inflows during the week of mid-July 2026. Bitcoin did the heavy lifting, as usual, but the quieter story is the steady capital trickling into newer products like Solana and XRP funds.

On July 21 alone, Bitcoin spot ETFs pulled in $203.2 million. Ethereum followed with $37.5 million, while Solana and XRP added $5.8 million and $5.66 million respectively, according to data tracked by SoSoValue.

Bitcoin still dominates, but the field is widening Bitcoin has had a spot ETF since 2024, giving it a massive head start in accumulating assets under management. Ethereum launched its own spot product the same year. Together, they account for the overwhelming majority of crypto ETF capital.

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Solana spot ETFs have now amassed over $1.14 billion in total inflows as of late July 2026.

XRP spot ETFs tell a similar story. Since launching in November 2025, these funds crossed $1 billion in cumulative inflows by the end of December 2025. The fact that positive inflows have continued well into 2026 suggests this wasn’t just a launch-day sugar rush.

What this means for investors Solana’s $1.14 billion in cumulative inflows positions it as a legitimate institutional-grade asset.

XRP’s rapid accumulation of over $1 billion in its first two months was notable in its own right. The token has historically carried regulatory baggage, but the existence of an approved spot ETF effectively signals that the regulatory cloud has cleared enough for major asset managers to participate.

The daily numbers fluctuate considerably, as the gap between Bitcoin’s $203.2 million single-day haul and Solana’s $5.8 million illustrates.

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

Bitcoin, küresel piyasalarda risk iştahının yeniden artmasıyla birlikte 65.000 dolar seviyesinin üzerine çıktı. ABD ile İran arasında ikinci gününe giren ateşkesin petrol fiyatlarını aşağı çekmesi, yatırımcıların yeniden riskli varlıklara yönelmesini sağladı. Bu gelişmeyle birlikte Ethereum, Bitcoin’den daha güçlü performans sergilerken, analistler olası bir altcoin hareketinin başlayabileceğine dikkat çekiyor.

Bitcoin ve Ethereum Yükselişini Sürdürüyor Son 24 saatte Bitcoin yaklaşık yüzde 1,2 değer kazanarak yeniden 65.000 dolar seviyesinin üzerine çıktı ve yatırımcı güveninin güçlendiğine işaret etti. Ethereum ise yüzde 3’ün üzerinde yükseliş kaydederek 1.950 dolar seviyesine ulaştı. Bu yükselişe Solana ve XRP gibi önde gelen altcoinler de eşlik ederek yüzde 1 ila 2 arasında değer kazandı. Bu tablo, kripto para piyasasında risk iştahının yeniden artmaya başladığını gösteriyor.

İlginizi Çekebilir: Düşen Coin’e Türk Yatırımcı Akını: DeXe Neden Zirvede?

Solana ve XRP gibi piyasa değeri yüksek altcoinler de yüzde 1 ila 2 arasında yükseliş kaydederek genel piyasa görünümünü destekledi. Özellikle Ethereum’un Bitcoin’e kıyasla daha güçlü performans sergilemesi, yatırımcıların yalnızca Bitcoin’e değil, büyük altcoinlere de ilgi göstermeye başladığı şeklinde değerlendiriliyor. Ancak analistler, Bitcoin’in piyasa hakimiyetinin halen yüksek seviyelerde bulunması nedeniyle geniş çaplı bir altcoin sezonunun başladığını söylemek için henüz erken olduğunu belirtiyor.

ABD ile İran’ın askeri saldırıları durdurması ve diplomatik çözüm umutlarının güçlenmesi, küresel piyasalarda risk algısını olumlu etkiledi. Bu gelişmenin ardından Brent petrolü yaklaşık yüzde 4,7 gerileyerek 92,19 dolara inerken, WTI ham petrolü de 85 dolar seviyelerinde işlem gördü. Petrol fiyatlarındaki düşüşün enflasyon baskısını hafifletmesi, hisse senedi ve kripto para piyasalarında alımların hızlanmasına katkı sağladı.

Uzmandan Ethereum ve Altcoin Yorumu Hindistan merkezli Giottus borsasının CEO’su Vikram Subburaj, piyasalardaki yükselişin makroekonomik gelişmelerle desteklendiğini belirterek şu ifadeleri kullandı:

“Petrol fiyatlarındaki gerileme enflasyon endişelerini azaltırken, Ethereum’un Bitcoin’den daha güçlü yükselmesi yatırımcıların alternatif kripto paralara yönelmeye başladığını gösteriyor. Ancak Bitcoin’in piyasa hakimiyetinin yüzde 58,6 seviyesinde bulunması, henüz geniş çaplı bir altcoin sezonunun başlamadığını ortaya koyuyor.”

Kripto analiz şirketi Alphractal’ın Kurucusu ve CEO’su Joao Wedson ise Bitcoin’in tarihsel döngülerine dikkat çekti. Wedson’a göre her Bitcoin yarılanmasının ardından oluşan ayı piyasalarının dip noktası ortalama 900 gün içerisinde görülüyor. Mevcut döngünün 827. gününde olunduğunu belirten analist, Bitcoin’in taban oluşturma sürecinin büyük ölçüde tamamlanmış olabileceğini ve önümüzdeki iki ay içerisinde nihai dip seviyesinin görülebileceğini ifade etti.

Değerlendirme Bitcoin’in yeniden 65.000 doların üzerine çıkması ve Ethereum’un daha güçlü performans göstermesi, kripto para piyasasında olumlu havanın güçlendiğine işaret ediyor. ABD-İran geriliminin azalması ve petrol fiyatlarındaki düşüş risk iştahını desteklerken, yatırımcıların önümüzdeki günlerde hem Fed toplantısından gelecek mesajları hem de Bitcoin hakimiyetindeki değişimi yakından izlemesi bekleniyor. Bu gelişmeler, olası bir altcoin hareketinin yönü açısından belirleyici olabilir.

Son dakika kripto para haberleri için hemen tıkla

Konu ile ilgili yorumlarınızı bize yazabilirsiniz. Ayrıca, bu tarz bilgilendirici içeriklerin devamının gelmesini isterseniz, bizleri Telegram, Youtube ve Twitter kanallarımızdan takip edebilirsiniz.

XRP has already dipped as low as $1.01 during the ongoing bear market pullback, reviving talk that the token could briefly slip below a dollar before this cycle’s downturn runs its course.

A Familiar Pattern From the Last Cycle

One analyst pointed to XRP’s 2022 bear market as a reference point. XRP bottomed near $0.28 in June 2022, then retested that same support level roughly half a dozen times through January 2023, including a final touch at $0.32 before the market turned. The current setup, the analyst argues, looks similar, just at a higher price range this cycle.

Exchanges Keep Shutting Down

Bitmart just became the second crypto exchange to shut down in less than a week, following BitMEX’s earlier announcement. Bitmart’s native token, BMX, collapsed more than 60% after the shutdown news broke. A former major Bitcoin mining pool also filed for bankruptcy, reportedly holding just $1 million in assets against $500 million in liabilities.

Several digital asset treasury companies and at least one crypto hedge fund have also wound down operations in recent weeks. Analysts tracking the space describe this wave of collapses as a sign the market is clearing out excess leverage and weaker players, a pattern some say has historically preceded major bottoms in past cycles.

Institutions Are Pushing for Regulatory Clarity

Support for the CLARITY Act has grown among major financial institutions ahead of the Senate’s August 7 recess deadline. Both Charles Schwab and Fidelity have pushed the Senate to pass the CLARITY Act, joined by the Fraternal Order of Police and Goldman Sachs CEO David Solomon, who has publicly called for the bill’s passage.

New Upgrades Coming to the XRP Ledger

Away from price action, the XRP Ledger has several technical upgrades moving through its amendment process. The XRP Ledger’s batched fix update has already passed its 80% vote requirement and is expected to go live within days. Additional upgrades under discussion include:

Batch transactions, allowing up to eight transactions to be bundled into a single atomic actionZero-knowledge proof privacy features, enabling confidential transfersSponsored fees and reserves, letting platforms cover the XRP wallet creation cost for new usersPermission delegation, allowing specific account permissions without full custody transferDynamic multi-purpose tokens, which can carry updatable fields after launchTwo additional features are drawing particular attention: a Single Asset Vault that would let users pool XRP, RLUSD, or other tokens together, and a companion lending protocol built on top of it, enabling fixed-term, uncollateralized loans intended for institutional use.

Why the XRP Ledger’s DEX Matters

With centralized exchanges continuing to shut down, some analysts are pointing to the XRP Ledger’s built-in decentralized exchange as a safeguard for token holders. Since the DEX operates independently of any single platform, users can continue trading and earning yield on XRP even if individual exchanges they relied on disappear.

Story Ends Here

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XRP could reach $15,000 if it replaces SWIFT, crypto analyst Mino claims

The XRP Ledger community is progressing work on multiple bug reports related to xrpld v3.2.0 with the goal of implementing the fixCleanup3_2_0 amendment on July 29. The problems, posted on the XRPLF GitHub, span from performance regressions to problems with synchronization, despite node operators’ ongoing migration to the latest release.

A Look At Newly Reported Issues On XRP Ledger v3.2.0 After upgrading from xrpld 3.1.3 to 3.2.0, it is reported that xrpld 3.2.0 is slowly lagging behind the XRP Ledger mainnet consensus. The nodes which were once updating the validated ledgers on the same hardware “now gradually fall behind the validated ledger.”

However, going back to the 3.1.3 version fixes the problem, according to the issue on GitHub. The reporter called it “a performance regression in 3.2.0.”

Another report claims that xrpld 3.2.0 on Windows 10 never progresses beyond the “connected” server state. Despite maintaining around 30 stable peers, loading a valid UNL with 35 trusted validators, and receiving validations and proposals, the node reportedly never reaches syncing or tracking.

But rather than joining the current ledger of the network, it continues to close its own ledgers since the network’s genesis. The reporter reported that this machine was previously able to run rippled without any problem and the problem only occurred after migration to xrpld.

One validator-related problem is that Ripple-backed XRP Ledger v3.2.0 version does not successfully download ledger data from peers on a mainnet validator. Moreover, it cannot move past “server_state: connected” to “syncing,” “tracking,” or “full” stage.

The reporter made the observation that the process of acquiring the ledger on xrpld 3.2.0 was slowed down relative to xrpld 3.1.3-1. It took around 13 minutes to complete from an empty datastore to full, so it is suspected a regression occurred.

Developers are also looking at a validator public keys report on the new XRP Ledger version. The service showed the public key of the new validator, but server_info still showed the public key of the validator that was migrated previously, resulting in a mismatch between the two.

Validator Issues Warning As July 29 Deadline Inches Closer Meanwhile, XRPL validator Vet encouraged users to upgrade their XRP Ledger nodes to 3.2.0. He wrote on X, “Happy Hump Day to everyone, especially those who have upgraded their XRP Ledger nodes to 3.2.0!” He added, “In less than 1 Week all nodes running XRPL versions below 3.2.0 will experience service interruptions. Please update your nodes, remind exchanges and projects to update as well!”

According to XRP Ledger Explorer, 499 of 843 nodes (59.69%) are now running version 3.2.0. Whilst, 303 nodes (36.24%) remain on version 3.1.3. Adoption of validators has surged to 65.77% with 98 validators upgraded. The fixCleanup3_2_0 amendment currently has 30 of 35 trusted validators in support (85.71%), and is set to become active on 29 July 2026 at 09:57 UTC, as long as it stays above the 80% threshold.