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The XRP Ledger (XRPL) drew more new tokenized real-world asset capital than Ethereum, Solana, and other major blockchains over the past three months, giving XRP bulls a fresh network-growth argument as traders rebuild exposure to the token. XRPL recorded $1.9 billion in net real-world asset inflows over the last 90 days, ahead of Ethereum’s $1.6 […]
The post XRP just beat Ethereum, Solana and others in 90-Day RWA flows as traders pile back into the token appeared first on CryptoSlate.

The relationship between traditional banking and digital assets continues to evolve as SBI Shinsei Bank prepares to launch a pilot program to integrate blockchain-based solutions into its payment infrastructure. This initiative represents a unique step toward integrating cryptocurrency incentives into conventional banking products. A New Pathway For Banking Customers To Access XRP Japan SBI Shinsei Bank is preparing to introduce a new way for customers to interact with digital assets by allowing them to convert a portion of their deposit interest into cryptocurrency rewards, including XRP. According to RippleXity’s post, the pilot scheduled to launch on June 10 represents a notable step toward integrating crypto exposure directly into traditional banking products. Related Reading: Ripple Partner Thunes Unveils Development That Could Strengthen XRP’s Global Payment Narrative This will enable customers to access digital assets through their existing savings activities rather than through separate trading platforms. Under the reported framework, customers will continue to earn interest on their yen deposits as normal, but will have the option to convert approximately 20% of the interest into crypto vouchers. These vouchers can then be redeemed for assets such as Bitcoin, Ethereum, or XRP at real-time market rates at the moment of conversion. Furthermore, the pilot is launching on June 10, with a full rollout expected by autumn 2026. This initiative is built in SBI’s existing Hyper Deposit product and aligns with its broader digital asset strategy, including the anticipated launch of RLUSD in Japan. RippleXity argues that this development matters because SBI is one of Japan’s most powerful financial conglomerates and Ripple’s long-standing partner since 2012.  Rather than requiring customers to use a separate crypto application, this model integrates XRP seamlessly into Japanese banking. Millions of users could gain passive exposure to XRP simply by holding funds in their bank accounts. In essence, SBI is not just offering crypto as an add-on service; it is incorporating XRP into the fundamental mechanics of saving money. Regulatory Clarity May Create New Opportunities For XRP Ledger The implementation of the GENIUS Act could mark a pivotal moment for XRP by significantly amplifying its real-world utility. An analyst known as SMQKE on X has revealed that the legislation introduces clear reserve requirements, structured licensing frameworks, and interoperability standards designed to integrate stablecoins. This move will introduce Ripple’s RLUSD into the core of mainstream financial systems while reducing systemic risk. Related Reading: XRP Ledger Targets Flash Loan Attacks With New DeFi Security Proposal SMQKE noted that for XRP, this regulatory clarity could amplify its utility since RLUSD transactions on the XRP Ledger already account for over 95% of stablecoin activity on the Ledger. As RLUSD adoption expands under a regulated framework, each transaction on the XRPL continues to rely on XRP as a fee payment mechanism. These fees contribute to a deflationary dynamic by permanently burning a small amount of XRP with every transaction. Featured image from Getty Images, chart from Tradingview.com

In a new report, market expert Sam Daodu laid out three tentative scenarios for where XRP could be heading in 2027. His projections are built around several moving parts: the CLARITY Act, the XRP Ledger (XRPL), and exchange-traded funds (ETFs).  Conservative XRP Outlook Under Daodu’s most conservative outlook, XRP could trade between $3 and $5 by 2027. This range assumes that the CLARITY Act moves forward and that demand for XRP through ETFs grows at a steady pace rather than in dramatic bursts.  Daodu argues that this “unflashy” kind of progress would be enough to pull XRP back toward its earlier peak levels in under two years, without requiring a major, sudden breakout.  Related Reading: Dogecoin (DOGE) At $0.086–Two Scenarios Ahead, Including A New 32% Crash In this scenario, Standard Chartered’s $7 XRP target for 2027 sits near the optimistic end, but the $3 to $5 outcome is presented as the best fit for current conditions if nothing destabilizes the market. A more bullish case pushes XRP higher, with a forecast range of $7 to $10. For XRP to reach that upper band, the demand question would need to turn decisively in XRP’s favor.  From Infrastructure To Demand Daodu’s report points to a key catalyst: banks may need to start holding and settling in XRP itself, not just relying on stablecoins that use the XRPL network. He also notes that ETF inflows would likely have to accelerate beyond early expectations and reaching a level of “several billion dollars.”  If both usage and buying pressure strengthen at the same time, Daodu suggests that XRP would have the combination of utility and market demand required to clear its prior highs and sustain the momentum afterward. That bullish pathway is also where Bitwise’s more optimistic prediction comes into view. Bitwise’s outlook places XRP in the $9 to $10 area, aligning closely with the idea that 2027 could be the year the altcoin finally catches up to the value implied by its infrastructure.  In Daodu’s framing, this would be the version of events where adoption and capital inflows reinforce each other—turning what is currently more infrastructure-led into a fuller demand-driven cycle. A Real Chance Of Breaking Below $1 Daodu also outlines a downside scenario, where XRP trades below $1.50 by 2027. In his analysis, the negative path depends less on technology and more on whether sentiment stays weak for longer than the market can easily absorb.  A key risk factor is the possibility that the CLARITY Act stalls past August’s recess. At the same time, broader market conditions could keep pressure on risk assets. Finally, Ripple’s monthly supply pattern is described as steady, meaning it may not provide fresh demand catalysts on its own if buyers remain cautious. Related Reading: What’s Going Wrong With XRP? Expert Points To 2 Major Bearish Flips In These Key Metrics In that bearish scenario, Daodu expects XRP to spend most of 2027 somewhere between $1 and $1.50. He also notes that there is a realistic chance XRP could lose the $1 level if selling intensity continues rather than fading.  However, the market may not have to wait until 2027 to see sub-$1 levels for the altcoin, as it is currently trading at around $1.12. This is a recovery from the drop to $1.05 over the weekend, but there are still concerns that this key support level could be broken in the near term.  Featured image created with OpenArt; chart from TradingView.com 

XRP and much of the broader crypto market managed a short-lived bounce on Monday after last week’s sharp drop to around $1.04. The recovery, however, comes with fresh cautions hanging over the token.  Alex Carchidi, expert from The Motley Fool, argues that two important XRP-related metrics have turned notably bearish over the last 30 days. If the situation does not improve soon, he warns, it could undermine the argument that XRP is the “go-to” way to gain exposure to institutional activity in the tokenization market. Two Bearish Signals Emerge  Carchidi points first to the XRP Ledger’s (XRPL) role in tokenized assets. He notes that the chain is holding about $384.5 million in tokenized assets, which is down 11% over the 30 days ending on June 5.  Just as importantly, Carchidi says this breaks a prior stretch in which the value of tokenized assets on the network had been rising more steadily. The decline is not happening in isolation either.  Alongside the drop in tokenized asset value, XRPL’s share of the overall tokenized-asset market has slipped to just over 1%, while tokenization activity on other chains appears to be picking up pace. Related Reading: XRP To $1 Or A Violent Reversal? Analyst Says Liquidity Setup Is Flashing The second metric Carchidi highlights is even more concerning. According to his report, the XRPL’s 30-day tokenized asset transfer volume has fallen 59% to roughly $54.1 million.  In his view, this is the kind of slowdown that matters because inactive or stagnant tokenized assets don’t generate the economic “motion” that a blockchain ecosystem depends on.  Carchidi argues that when tokenized assets stop moving, it suggests asset managers may be holding positions rather than deploying capital to generate yield.  Conditional Warning For XRP Carchidi frames the issue in practical terms. If tokenized assets are not being transferred, he says the network’s economy is not demonstrating its value, which can weaken the bullish case for XRP in the tokenization narrative.  In other words, the problem isn’t simply that tokenized assets are lower in value—it’s that the activity associated with those assets appears to be fading. Still, Carchidi also acknowledges that the picture is not uniformly bleak. He points to growth in other parts of the XRPL ecosystem during the same 30-day window.  Specifically, real-world asset (RWA) holders on the XRPL rose 275%, bringing the total to 105 holders. At the same time, stablecoin transfer volume increased by 118%, reaching $4.5 billion.  That contrast, Carchidi suggests, indicates that capital is still flowing through the network, just not as much through the tokenized asset pipeline that investors watch most closely. Because of that, he does not present the decline in tokenized asset transfer volume as an immediate “fire alarm.”  Related Reading: Ripple Partner Bank of America Unveils Global Payments Expansion Strategy His warning is conditional: if tokenized asset metrics continue to shrink over the next quarter or so—especially if outflows accelerate or volume falls even faster—then the bullish thesis for XRP tied to tokenization institutional positioning could face a serious credibility problem. For now, the recovery after $1.04 to current trading levels around $1.18 may be a step up for sentiment, but the broader tokenization indicators remain the key question for what happens next. Featured image created with OpenArt; chart from TradingView.com 

Bank of America is expanding its global payments strategy with a renewed focus on enhancing cross-border transaction capabilities, highlighting the growing importance of efficient international money movement in modern finance. Being one of the world’s largest financial institutions and a company frequently associated with discussions surrounding Ripple and payment innovation, Bank of America’s latest initiative underscores the continued evolution of global settlement infrastructure. Ripple Gains Institutional Momentum Through Major Banking Alliance Ripple partner Bank of America is preparing to launch a new cross-border payments service that incorporates SWIFT. An analyst known as SMQKE on X noted that rather than replacing legacy systems outright, banks are increasingly adopting hybrid payment models that use both Ripple and SWIFT for global transactions. This dual-framework approach is practical for banks because RippleNet can integrate into existing banking infrastructure just like a traditional payment system. Related Reading: Ripple Partner Thunes Unveils Development That Could Strengthen XRP’s Global Payment Narrative SMQKE argues that this Ripple’s partnership with Bank of America can create a pathway for XRP to access the bank’s extensive global payment network. As a result of that move, banks can maintain SWIFT connectivity for global reach while leveraging XRP through RippleNet as a source of on-demand liquidity. However, Bank of America’s new cross-border real-time payment service in this hybrid model will further strengthen the foundation for XRP integration into the bank’s core payment infrastructure. Institutional Compliance Remains A Key Advantage For XRP Ledger The claim that XRP is unstable for tokenization is technically unfounded. Crypto analyst CharuSan has pointed out that with its institutional-grade compliance features, built-in security architecture, and deep liquidity capabilities, the XRP Ledger stands out as one of the most suitable and secure networks for tokenization in the current market. Related Reading: Ripple’s Eyes $5 Trillion Master Account, What This Would Mean For XRP Unlike the Ethereum network, where external smart contract codes, such as ERC-20, must be written to tokenize an asset. In XRPL, the tokenization process is embedded directly into the core code of the network’s Native Issued Assets. This eliminates the need to custom smart contract code, which is often a major source of vulnerabilities, exploits, and cyberattacks. According to CharuSan, by embedding tokenization at the protocol level, XRPL enables real-world assets like real estate, stocks, and bonds to be issued and transferred securely within seconds, without exposing institutions to smart contract risk. Additionally, regulatory compliance remains a critical requirement for institutional adoption. Wall Street and institutional banks must enforce strict Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations standards, including control over who can hold tokenized assets. XRPL addresses this natively by allowing issuers to restrict access and freeze suspicious accounts when necessary, to ensure that only authorized participants can receive this token at the protocol level. Featured image from Medium, chart from Tradingview.com

Crypto analyst Crypto Patel has revealed when XRP could rally to between $10 and $20. This came as he commented on the token’s history following its 14th anniversary celebration, noting that it is one of the oldest crypto assets.  Analyst Reveals When XRP Will Rally To Between $10 and $20 In an X post, Crypto Patel predicted that XRP would trade between $10 and $20 by its 20th anniversary in 2032. The analyst also touched on the token’s history, noting that the XRP Ledger (XRPL) went live on June 2, 2021. As such, it is one of the oldest coins still standing, older than Ethereum and almost every other altcoin trading.  Related Reading: Why The Extreme FUD And Bearish Pressure Could Be Good News For The XRP Price Crypto Patel also touched on some misconceptions about XRP. First, he stated that there was no mining as all 100 billion tokens were created at the start. Furthermore, there was never an ICO for the token, and the analyst noted that this is the part the crowd gets wrong. Instead of a public token sale, he revealed that XRP was handed out through giveaways, partner deals, and private sales. As such, XRP doesn’t have an ICO price. The analyst also noted that XRP exchange trading began in August 2013, with the token trading at around $0.0058. In its first year, the token ranged between $0.005 and $0.01. XRP then rallied to an all-time high (ATH) near $3.84 in January 2018. It is worth noting that it is around this period that it recorded a parabolic rally of 1,400% in a few weeks.  Analyst Points To The Crash After The SEC Lawsuit Crypto Patel also mentioned that XRP crashed following the SEC’s 2020 allegations that the token was a security. The token fell to $0.11 within two years, representing a 97% crash from its ATH at the time. However, the token rallied to a new ATH of $3.66 in July 2025 as the SEC and Ripple settled the lawsuit that had lasted for almost five years.  Related Reading: If XRP Price Loses This Current Support, This Is How Low It Will Go The analyst remarked that XRP’s survival for this long is in itself an achievement, seeing as it went from half a cent to almost $4 and then through a multi-year SEC battle. Crypto Patel said that this achievement is the part that gets lost in the noise. He added that despite all that the token has been through, it is still trading just above $1, which represents around a 207x increase from its first exchange listing.  XRP also currently stands out as one of the tokens with regulatory clarity, as Judge Analisa Torres ruled in the SEC lawsuit that it is not a security.  At the time of writing, the XRP price is trading at around $1.09, down over 2% in the last 24 hours, according to data from CoinMarketCap. Featured image from Freepik, chart from Tradingview.com

Ripple’s global payments narrative may be gaining fresh momentum as one of its key partners, Thunes, unveils a new development that could further strengthen cross-border settlement infrastructure. As the demand for faster, cheaper, and more efficient international payments continues to rise, strategic partnerships like Thunes play a crucial role in expanding real-world utility across the XRP ecosystem. Thunes Expands Its Role In The Global Payments Ecosystem A recent announcement from Thunes could significantly strengthen XRP’s position in the global payments landscape. Analyst XFinanceBull on X has revealed that the company has officially launched real-time payment capabilities in the United States through a direct connection with a Tier 1 financial institution, enabling access to ACH, Same-Day ACH, and all real-time payment rails. Related Reading: Key Volume Signals Are Driving XRP Momentum Amid Market Uncertainty The development comes as Thunes continues to strengthen its international footprint. Thunes holds 50 Money Transmitter Licenses, allowing it to operate across every US state and territory, mirroring Ripple’s regulatory reach. Both companies now independently have institutional-grade access to US clearing systems. Thunes network already spans 140 countries, supports 90 currencies, and connects to more than 12 billion mobile wallets, stablecoin wallets, and bank account endpoints. Following its expanded partnership with Ripple in September 2025, Thunes integrated blockchain and digital asset technology into its direct global network, leveraging Ripple payments to enhance its SmartX Treasury System. Meanwhile, Thunes has plugged real-time US settlement into the same network that uses the Ripple blockchain payments infrastructure and XRP as a bridge asset. Over 140 countries can now send money to the US through rails connected to Ripple technology. Ripple payments have near-global coverage with over 90 payout markets processing more than $70 billion in volume. This integration gives XRP a direct pathway into Tier 1 US banking through a partner that holds licenses in every state. Institutional Interest Fuels XRP Ledger’s Next Phase Of Growth The XRP Ledger real-world asset (RWA) ecosystem officially surpassed $3 billion in tokenized value in April. According to an analyst known as BankXRP on X, the incredible insights shared by Luke Judges, Partner Director at RippleX, at Istanbul Blockchain Week, break down exactly where the momentum is heading for real-world asset tokenization. Furthermore, the $3 billion milestone is driven by a highly diversified mix of assets, underscoring Ledger’s expanding institutional utility across multiple segments of finance. Related Reading: Ripple’s Early Banking Ally Now Connected To X Money Expansion Looking ahead, the next big wave of growth is expected to center around cash and cash-equivalent assets. Money market funds and US Treasury bills, alongside tokenized equities, are being viewed as prime targets for infrastructure disruption. The broader vision is moving toward a globally distributed financial system where regulated assets can trade seamlessly across asset classes through a unified order book. Featured image from Peakpx, chart from Tradingview.com

The numbers from the XRP Ledger’s real-world asset dashboard tell a story of rapid growth that the price movement has not fully priced in. The latest attention comes from the ledger’s expansion from about $900 million in tokenized assets at the start of the year to almost $4 billion within five months.  This growth is notable because it is happening before the US has delivered a permanent federal market structure for cryptocurrencies and before the full institutional channel into tokenization on the XRP Ledger has opened. XRP Ledger’s RWA Growth Is No Longer A Small Experiment According to data from RWA.xyz, the total represented asset value on the XRP Ledger has grown by 13.79% in the past 30 days, now at $3.68 billion at the time of writing. This growth is especially notable because it is coming at a lull period for the XRP price, meaning the price action is not yet pricing in the growth. Related Reading: Ripple’s Move To Privacy: How A Re-organization Of The XRP Ledger Will Affect The Network Taking to the social media platform X, XRP commentator X Finance Bull pointed to the XRP Ledger’s growth from about $900 million in tokenized assets at the start of the year to around $4 billion within five months. “Tell me another blockchain that attracted $3.1 billion in new tokenized assets in just five months,” he said.  X Finance Bull’s post highlighted several additions behind this growth of the XRP Ledger, including Justoken’s reported $2.2 billion in tokenized energy assets, Ondo’s tokenized government securities, VERT Capital’s contribution, Guggenheim’s Treasury-linked products, and Societe Generale’s stablecoin activity. These companies have evaluated different blockchain networks and each one arrived at XRP Ledger independently. For example, Justoken’s JMWH tokenized electricity product is credited for bringing about $2.2 billion in tokenized electricity to XRPL, with the token tied to electricity contracts from Latin American producers. Regulation Could Decide How Fast The Growth Develops Tokenized assets on the XRP Ledger have grown by 344% since the beginning of the year. According to data from RWA.xyz, among the 14 networks with tokenized assets above $200 million, the XRP Ledger is growing more than twice as fast as Ethereum, which itself is growing at around 35%.  Related Reading: Hedging With XRP: The Trillion-Dollar Push That Could Send Price Above $300 All of this growth is taking place before the United States has enacted the anticipated CLARITY Act, which supporters have noted will bode well for the XRP ecosystem. The outlook now is how fast this growth will continue, with some analysts arguing that the passage of the CLARITY Act could lead to trillions of inflows into the XRP ecosystem. While the US regulatory process works through its final stages, the XRP Ledger is also growing on a global scale. Japan’s SBI Holdings runs 26 banking partnerships on XRP infrastructure, while Rakuten Pay has opened XRP access to 44 million users. Ripple also holds regulatory approval in Dubai’s financial center, and Singapore has also recognized XRP as a payment token. Featured image from Freepik, chart from Tradingview.com

Mastercard said Wednesday it plans to open its global card-settlement network to regulated stablecoins, a move designed to let card issuers and acquirers clear card transactions directly on-chain.  The company says the service will operate across eight different blockchains, extending on what it describes as “real-world utility” for digital assets. Alongside the expanded on-chain settlement approach, Mastercard also plans to introduce intraday, weekend, and holiday settlement cycles. Mastercard Moves Toward On-Chain Settlement In its announcement, Mastercard said the stablecoins include Tether’s rival, Circle, and its USDC stablecoin, which Mastercard noted is already supporting early on-chain settlement activity in select markets.  Mastercard also listed stablecoins issued by Paxos, including PYUSD, USDG, and USDP. In addition, the company cited Ripple’s RLUSD and SoFi’s SoFiUSD as part of the initial stablecoin lineup for the network. Related Reading: Bitcoin Crash Explained: Binance Research Blames Outflows Toward US Equities The stablecoins will be enabled across a broad set of supported blockchain networks, including Arbitrum (ARB), Base, Canton, Ethereum (ETH), Polygon (POL), Solana (SOL), Tempo, and the XRP Ledger (XRPL).  Mastercard did not describe any changes to the type of partners who can benefit from the network, but it said the plan will allow customers to use both traditional payment settlement and digital-asset-based settlement through the same infrastructure they use today.  More Networks And Assets Planned Through 2026 Raj Dhamodharan, executive vice president of Blockchain & Digital Assets at Mastercard, said the company views the next stage of stablecoin adoption as being about practical use in areas where timing and liquidity matter.  The executive pointed specifically to settlement as a key factor, and he described intraday and weekend options as a way for partners to better manage liquidity in an always-on digital economy.  Related Reading: Crypto In 401(k)s: Senators Sanders, Warren Letter Warns $14 Trillion At Risk From DOL Proposal Mastercard added that the expanded capabilities will roll out globally “subject to regulation.” The company said the initial deployment will be limited to “parts of the United States and Latin America.”  The payment giant indicated that additional regions, partners, and regulated stablecoins will be added through 2026, as its stablecoin settlement offering expands beyond the initial rollout areas. Featured image created with OpenArt; chart from TradingView.com 

The growth of Decentralized Finance (DeFi) on the XRP Ledger is bringing increased attention to one of the industry’s most persistent challenges. While new financial applications create opportunities for growth and innovation, they also introduce potential vulnerabilities that can be exploited if adequate safeguards are not in place. A newly proposed XRPL upgrade aimed at mitigating flash loan attacks signals a growing commitment to building a more secure foundation for the network’s expanding DeFi ecosystem. How The Proposed Safeguards Could Protect Liquidity Pools The XRP Ledger is taking steps to address one of decentralized finance’s most persistent security challenges. Crypto analyst CryptoSensei revealed on X that a new XRPL proposal aims to reduce the risk of flash loan attacks, a type of exploit that has already cost DeFi protocols hundreds of millions of dollars across the industry. Related Reading: XRP’s Latest Move To DeFi: What This Upgrade Will Mean For Users And Investors Flash loans allow attackers to borrow large amounts of capital within a single transaction, and are often used to manipulate prices and liquidity pools. The proposal introduces safeguards designed to make such attacks significantly harder to execute.  However, as DeFi activity continues to expand on the Ledger, security improvements are becoming increasingly important. Stronger protections are essential for attracting developers, users, and institutional capital to the ecosystem. As lending, trading, tokenization, and other DeFi applications continue to expand on the XRPL, security will become a much bigger priority. According to CryptoSensei, every new feature creates new opportunities, but the innovation can also introduce new attack vectors if the infrastructure is not well prepared. The challenge is no longer just building DeFi, but building DeFi that institutions, developers, and users can trust to operate securely and reliably at scale is a completely different one. David Schwartz Explains XRP Ledger Defense Against State-Level Threats One of the XRP Ledger’s most overlooked strengths is the ability to remain operational under extreme conditions. Analyst Chloe has noted that the XRPL network was designed for the worst-case scenarios. Former Ripple Chief Technology Officer (CTO), David Schwartz, recently outlined how the XRP Ledger can withstand even state-level attacks targeting its validator network. Related Reading: XRP’s Utility Narrative Extends Beyond Conventional Market Cap Metrics Among the features highlighted are the ability for validators to operate anonymously through privacy-preserving networks such as Tor and 12P, as well as systems that allow reserve operators to replace targeted nodes as necessary. The XRPL Negative Unique Node List (UNL) mechanism is also designed to help maintain consensus running even during periods of disruptions. Chloe argues that while many blockchain networks emphasize decentralization in theory, XRPL is designed to survive censorship, coordinated attacks, and hostile operating environments. This level of resilience is what institutions, banks, and governments need for mission-critical financial infrastructure. Featured image from Adobe Stock, chart from Tradingview.com

XRP and XLM are once again drawing attention as their long-standing price correlation fuels expectations of a potential recovery rally. If history repeats itself, the recent move in XLM could signal that XRP is preparing for a bullish breakout of its own, potentially reigniting confidence across the broader XRP ecosystem.  Could XLM’s Breakout Be The Catalyst For XRP’s Next Rally? Crypto analyst Bird highlighted a compelling structural possibility for XRP, suggesting that if it mirrors the powerful weekly candle recently delivered by XLM, a rapid ascent above the $2 threshold could be imminent. This move would serve as a vital marker, effectively invalidating the recent bearish trend and signaling a new phase of accelerated growth for the asset. Related Reading: XRP Flashes TD Sequential Buy Signal, Analyst Eyes Rebound Such a breakout would do more than just shift the price; it would fundamentally transform market sentiment. By restoring confidence and generating renewed excitement, this surge would likely flood the XRP ecosystem with fresh capital, confirming that the worst of the recent corrective phase is finally behind us.  For long-term XRP holders, this momentum would act as a catalyst for heightened activity across the entire ecosystem, driving increased liquidity and participation in memes, NFTs, and Automated Market Makers (AMMs). This surge in engagement across XRP and the XRP Ledger would underscore the interconnected nature of the ledger’s economy during periods of bullish expansion. Furthermore, the technical validity of this scenario is bolstered by the multi-year standing correlation between XRP and XLM. Time and again, these two assets have provided clues regarding each other’s future path. The question now remains: has XLM effectively fired the starting gun for XRP? XRP/BTC Falling Wedge Signals Potential Breakout Opportunity CryptoVision has identified the XRP/BTC chart as a pivotal focal point for the coming weeks, noting that the asset is currently developing within a well-defined falling wedge pattern. This structure remains perfectly intact, suggesting that significant accumulation is occurring beneath the surface. For market participants, this chart provides a clear technical roadmap, indicating that the current consolidation phase is a critical precursor to a potential shift in market dominance. Related Reading: XRP Traders Face Mounting Pressure As Sideways Price Action Extends – What To Know If XRP can successfully consolidate and harness momentum from these current levels, a retest of the upper resistance boundary is anticipated in the near term. This test will serve as the definitive moment for bulls to assert control and confirm the validity of the wedge.  Once the price decisively clears this wedge formation, the market dynamic is expected to shift rapidly. The analyst suggests that this pattern will signal a strong and rapid upward move, potentially triggering a significant shift in the pair’s trend in the long term. Featured image from Adobe Stock, chart from Tradingview.com

The XRP Ledger is moving through another important update process, and this one is not only about adding new features. Version 3.2.0 is now in development, according to XRPL validator Vet, who said the update is meant to further strengthen the foundation that XRP runs on.  The upcoming XRP Ledger update is less about short-term price hype and more about what it says about the network’s direction, following the recent activation of version 3.1.3 in early May. XRP Ledger Version 3.2.0 Is Coming XRP Ledger version 3.1.3 is now active, and attention has now moved to what comes next for the network. Hussein Zangana, Director of Community at the XRP Ledger Foundation, known on X as Vet, confirmed that version 3.2.0 is currently in development, describing it as an update to further strengthen the foundation on which the XRP Ledger is built.  Related Reading: Why Questions Are Being Raised about The XRP Ledger’s 300,000 Milestone According to Vet, update 3.2.0 is in development to further strengthen the foundation XRP is living on. He specifically mentioned AI-powered red team and blue team work, alongside attackathons and bug bounties, saying these efforts have delivered strong results. Update 3.2.0 may not be the update that introduces the loudest feature, but it appears to be part of the work needed to make the ledger safer for deeper financial activity. Speaking of updates that introduce features, the incoming upgrade follows the May 8 release of XRP Ledger version 3.1.3. According to the official XRPL blog, version 3.1.3 introduced the fixCleanup3_1_3 amendment, which included fixes for NFTs, Permissioned Domains, Vaults, and the Lending Protocol. The release set the default vote to Yes because of the importance of the fixes. That update is important because it came soon after version 3.1.0 introduced Single Asset Vaults and the Lending Protocol in January. The official XRPL release notes described Single Asset Vaults as pools of a single asset for use with the Lending Protocol, which is a system that allows fixed-term, uncollateralized loans using pooled funds from those vaults. How The New Update Affects XRP Holders There’s currently no timeline as to when version 3.2.0 will be released, but the update should be viewed as an infrastructure update that might not really have an effect on the price action. Still, these updates affect the long-term holder case in major ways. For one, an ecosystem with steady major updates shows an active community, which in turn can support confidence around XRP’s price action over time.  Related Reading: Here’s How XRP Is Making Its Next Major Push Into The Trillion-Dollar Wall Street Version 3.1.3 has already shown that XRPL developers are cleaning up the newer parts of the protocol, especially around NFTs, Vaults, Permissioned Domains, and Lending. Version 3.2.0 now appears to push that work further by strengthening the foundation of the XRP Ledger. Featured image from Freepik, chart from Tradingview.com

A recent surge in XRP Ledger (XRPL) payment counts has caught the attention of the broader crypto market, raising questions about what could be driving this massive rally. The latest milestone comes after XRP saw renewed whale accumulation even as prices continued to trend downward amid rising volatility.  XRP Ledger Records Mysterious Surge In Payment Count Data from XRP’s leading blockchain explorer, XRPScan, shows that on May 19, the number of XRP payments from one account to another was sitting around just 766,051. However, over the next few days, the payment count rose sharply, surpassing 1.22 million on May 22, representing a more than 300,000 increase in users.  Related Reading: Market Expert Updates XRP Roadmap To $300 With New Data Before this surge, the payment count from one account to another consistently ranged between 700,000 and 800,000, making the latest rally a bit unnatural. Interestingly, XRP Ledger payment volume during the same period saw only a modest change. On May 19, volume stood at approximately 434.9 million, edging up to 486.2 million on May 22, reflecting a minor rise of just over 51 million, which hardly mirrors the dramatic spike in user accounts.  Given the recent decline in the XRP price and the prolonged sideways movement, the unexpected surge in user count on the ledger is suspicious. It begs the question of where these users came from and, more importantly, why they arrived at a time when market enthusiasm appears muted. Typically, when a cryptocurrency’s user count increases as price declines, it suggests two things: either genuine accumulation by XRP holders or a coordinated wallet activity.  Notably, Nepetia, an XRP supporter who also noticed the unusual surge in payment count, has shared comments on it. In a May 24 X post, she stated that even as the market continues pulling back, XRP’s payment count and volume continue to rise, indicating underlying strength.  Nepetia said that whales have also accumulated over 71 million XRP in just seven days while Spot XRP ETFs continue to post positive inflows. Against this backdrop, she noted that these recent developments are important market signals suggesting the XRP price may be preparing for a sharp move. XRP Whales Step Back From Accumulating XRP Whales had been actively buying tokens over the past few months. However, the latest report from crypto analyst Ali Martinez reveals that in the last nine days, whale activity on the XRP Ledger has dropped from 157 large transactions worth over $1 million to just 67, as of May 23. He noted that this gap represents a decline of more than 57.3% in whale activity. Related Reading: XRP OI Z-Score Just Dropped To Levels Seen Before Its 600% Rally In 2024 Interpreting the movements, Martinez explained that when large-scale transaction volume decreases by this magnitude, it suggests that the market could be entering a major compression phase. He noted that whales appear to have stepped back from accumulating, allowing the current XRP price range, between $1.3 and $1.4, to settle. He stated that this shift naturally reduces immediate volatility and allows order books to mature. Featured image from Getty Images, chart from Tradingview.com

The idea of XRP trading at $589 may sound unrealistic at first, but the rationale behind it is not based on a normal crypto rally. Instead, it is based on a scenario where the XRP Ledger becomes part of high-value delivery-versus-payment settlement at the DTCC/CLS layer, with the altcoin acting as the liquidity asset behind large institutional transactions. Meanwhile, under that model, $589 is the level XRP would need to reach to support about $73 trillion in annual settlement flow with limited slippage. The Transactions That Cannot Be Made Smaller To understand the $589 figure, one must first understand the category of transaction it is designed to accommodate. Also, the $589 XRP calculation starts with the assumption that the XRP Ledger achieves delivery-versus-payment adoption at a layer comparable to the Depository Trust & Clearing Corporation (DTCC) and Continuous Linked Settlement (CLS).  Related Reading: Analyst Says XRP Path To $100 Is Not Straightforward, These Things Will Happen First Under this scenario, the token would be used for large obligations that cannot be easily netted, broken into smaller parts, or settled through multiple layers. These transactions can range from about $500 million to $10 billion per ticket.  There are many corridors that fall under these transactions, and this model breaks it into six corridors. DTCC net settlement is assigned about $15 trillion at 20% capture; SWIFT cross-border settlement is assigned about $21 trillion at 14% capture and FX derivatives net settlement is assigned about $12 trillion at 12% capture. Furthermore, repo and FICC atomic settlement is assigned about $5 trillion at 10% capture, nostro displacement is assigned about $9 trillion at 33% capture, and stablecoin settlement is assigned about $11 trillion at 33% capture. This comes to a total of $73 trillion in annual volume passing through the XRP Ledger. The Square Root Market Impact Model Produces $589 XRP In order for XRP to serve as the bridge asset absorbing these flows, it must be deep enough that something like a $2 billion ticket can settle without moving its price beyond the 5 basis points of slippage that institutional FX desks treat as standard. Related Reading: ‘XRP Was Never Designed To Be Cheap,’ So What Is Its Real Value? The $589 figure comes from an inverted version of the square root market impact law. The model uses a $2 billion ticket size, $73 trillion in annual volume, 0.5% volatility, 5 basis points of slippage tolerance, 1.36% turnover, and a 25 billion XRP liquid float.  Furthermore, the liquid float assumption excludes escrowed XRP, ETF-held XRP, treasury-held XRP, and inactive wallets. Under that setup, the required market cap comes out near $14.7 trillion. Dividing that required market cap by 25 billion liquid XRP gives a required price of about $589. Hence, the calculation is very different from a simple market cap comparison using the full circulating supply. The current circulating supply of XRP is about 61.82 billion XRP, which is much larger than the assumed 25 billion liquid float in the model. This means the $589 outcome depends on only a smaller portion of XRP being truly available for active settlement liquidity. At the time of writing, XRP is trading at $1.37. Featured image from Getty Images, chart from Tradingview.com

A full audit of the XRP Ledger’s validators, custody systems, wallets, and networking layers is now underway, led by quantum security firm Project Eleven in collaboration with Ripple. The review is part of a broader push to prepare the XRP Ledger ecosystem for a future where quantum computers could threaten the cryptographic systems that blockchains currently rely on. Related Reading: XRP Will Go ‘Higher, Much Higher,’ Analyst Says, Betting On Explosive Breakout Project Eleven’s Scope Goes Beyond Research Project Eleven described the collaboration as one of the first major efforts in the industry to move post-quantum blockchain security out of the theoretical stage and into real-world deployment. The firm said the work will produce actual code, real-world performance testing, and a roadmap toward production. Plans also include building hybrid signature systems that combine current cryptographic standards with quantum-resistant protections, along with a prototype quantum-secure custody wallet. Alex Pruden, CEO of Project Eleven, said most conversations around quantum risk in the blockchain space have stayed at the research level. Ripple, he said, is treating it as a practical engineering problem. The $XRP Ledger is built for the Quantum Era. It runs on a native account based architecture with built in key rotation. This allows businesses, projects, and users to seamlessly switch to quantum-resistant signatures while keeping the exact same r-addresses their customers… https://t.co/ydDVSrdFkL pic.twitter.com/cXij19CNq1 — XRP Ledger Foundation (@XRPLF) May 19, 2026 The US government has set a 2035 deadline for federal systems to move away from encryption standards considered vulnerable to quantum attacks. Google and Cloudflare have both targeted 2029 for their own transitions to quantum-safe systems. XRP Ledger’s Built-In Advantages The XRP Ledger Foundation said the network is not starting from scratch. According to the foundation, XRPL already supports key rotation and coordinated validator upgrades, features that give it structural advantages as the broader ecosystem moves toward quantum-resistant cryptography. One detail the foundation highlighted: users and businesses will be able to switch to quantum-resistant signatures without changing their existing XRP wallet addresses. Those addresses, known as r-addresses, are already recognized by customers. Keeping them intact during a migration removes a significant technical and operational hurdle. J. Ayo Akinyele, head of engineering at RippleX, said the goal is to have XRPL production-ready well before quantum threats become a real danger. Related Reading: Zcash Soars 88% In 30 Days: Is ZEC The Stealth Winner Of This Crypto Cycle? According to Project Eleven, the Ripple partnership is its most comprehensive blockchain security engagement to date. The cryptography protecting major blockchains including Bitcoin, Ethereum, XRP, and Solana could eventually be broken by advanced enough quantum computers, the firm said. Featured image from Unsplash, chart from TradingView

With the US Digital Asset CLARITY Act inching closer to becoming law, many investors and supporters are eager to know how it could shake things up for XRP. A crypto analyst has broken down the specific sections of the bill that could directly impact XRP, Ripple, and its stablecoin RLUSD. These key parts touch on XRP’s status as a commodity, its role in banking infrastructure, and potential yield opportunities for investors.  What The CLARITY Act Means For XRP In a recent X post, pseudonymous crypto analyst @Whiplash437 outlined the exact sections of the CLARITY Act that could have the biggest impact on XRP. He started with Section 105, which defines digital assets and supports classifying blockchain-based cryptocurrencies as commodities.  Related Reading: The CLARITY Act Is Not The Only Win For XRP, Here Are Other Wins For Ripple According to the analyst, this section matters because it could pull cryptocurrencies out from under the tight, strict grip of the Securities and Exchange Commission (SEC) and place them firmly under the jurisdiction of the Commodity Futures Trading Commission (CFTC). @Whiplash437 noted that Section 105 could build a legal shield around XRP by turning Judge Analisa Torres’ earlier ruling, that XRP’s secondary market sales are not securities, into permanent federal law. He then moved on to Section 110, which requires digital commodity exchanges, dealers, and brokers to register for Anti-Money Laundering (AML) purposes and comply with the Bank Secrecy Act (BSA). The section also introduces the concept of “mature blockchains,” a classification that would fall under CFTC oversight. @Whiplash437 described this part of the bill as a test, noting that the XRP Ledger (XRPL) has already passed the mature blockchain criteria. He touted the blockchain’s growth, noting that XRPL has had 13 years of zero downtime, executed over 90 million transitions, and boasts globally placed decentralized validators. The analyst also said that this section would officially qualify XRP as a digital commodity under the CFTC.  How The Bill Could Affect Ripple And RLUSD Beyond XRP, @Whiplash437 also highlighted sections of the CLARITY Act that could be a big win for Ripple and RLUSD once the bill is passed. He pointed to Section 401, which focuses on how financial institutions handle digital assets.  Related Reading: Bitcoin And XRP Climb On CLARITY Act News—But Clear Path To Law Isn’t Done Yet Under this section, the analyst said US banks, credit unions, and financial holding companies would be allowed to use digital assets for payments, custody, clearing, and settlement. He also noted that this part of the bill will effectively unlock the entire American banking sector to Ripple’s infrastructure and the XRP Ledger.  Finally, @Whiplash437 also flagged Section 404, which bans yield payments on just holding stablecoins. The analyst stated that despite the restriction, the bill still allows crypto users to earn activity-based rewards through staking, governance, and loyalty programs. He believes this policy will play a key role in shaping how RLUSD is offered across the US markets. Featured image from Freepik, chart from Tradingview.com

Ripple’s early push into banking partnerships may be finding new relevance in an unexpected place. One of its long-time collaborators has resurfaced at the center of X Money, the payments initiative tied to X’s broader ambition to become a global financial super app. What once served as a bridge for Ripple’s cross-border settlement network is now part of infrastructure aimed at scaling digital payments to a massive user base. How A Ripple-Linked Bank Became Part Of Elon Musk’s Payment Push A Ripple-linked banking partner from the company’s earliest expansion days has now surfaced inside Elon Musk’s X Money ecosystem. RippleXity revealed on X that Cross River Bank, one of the first US banks to integrate Ripple’s Payment protocol back in 2014 for real-time cross-border transfers between the US and Europe, is now powering part of X Money’s beta rollout through its regulated banking services. Related Reading: Why Ripple’s XRP Is A Better Transaction Choice Compared To SWIFT The same Cross River Bank that reportedly issues the Visa Debit and Flex Cards appears in X Money’s beta program. With X building its payments layer through regulated banking and card infrastructure, this places a Ripple-linked financial institution inside Musk’s expanding digital payments infrastructure. Furthermore, the development has quickly drawn attention across the XRP community because it creates a direct historical overlap between Ripple’s early settlement technology and X Money’s regulated banking framework. While there is still no official confirmation of the XRP integration within X Money, many see Cross River Bank’s role as a significant connection that is difficult to dismiss. Ripple Prime Revenue Surges Despite XRP Trading Below All-Time High Although XRP continues to trade below 50% its all-time high, Ripple’s broader infrastructure business appears to be gaining momentum behind the scenes. A technical analyst known as ChartNerd has noted that institutional adoption across Ripple’s ecosystem is accelerating, with Ripple Prime emerging as one of the company’s strongest growth drivers. Related Reading: Could Ripple XRP Power Cross-Border Payments? Russia’s Early Tests Suggest Potential The platform reportedly tripled its revenue over the past 12 months, processed more than 60 million transactions, and now clears over $3 trillion annually while operating across the United States. Thus, this is just one of a broad infrastructure stack that Ripples is building out during a bear market, and the projects that are being built now will accelerate the next bull run. Ripple and XRP have been building this infrastructure for over a decade, from surviving regulatory battles and securing a major victory against the SEC to expanding XRP Ledger functionality. XRP rules as a commodity, expanding XRPFI and DeFi capabilities, strategic acquisitions, banking partnerships, and strengthening its global infrastructure through XRPL upgrades. With more than 300 institutional clients and increasing global licensing approvals, these fundamentals have never been stronger, and clarity is on the horizon. Featured image from iStock, chart from Tradingview.com

Tokenized US Treasury bonds sitting on the XRP Ledger have grown from $50 million to $418 million in roughly a year — an eightfold jump that is drawing fresh attention to Ripple’s blockchain network and renewing speculation about where XRP’s price could go next. Related Reading: Warren Zeroes In On Crypto Deal Structure As $75M Loan Draws Attention Institutions Behind The Surge Platforms including OpenEden, Ondo Finance, and Zeconomy are behind the Treasury tokenization push on XRPL. Their activity signals that established financial players are testing the network as a way to move traditional assets onto a blockchain rail. According to data tracking platform RWA.xyz, the XRP Ledger climbed more than 60% over the past 30 days in its RWA rankings, putting it within striking distance of BNB Chain. Total tokenized real-world asset value on XRPL has crossed $3.6 billion in just five months, based on data cited by community commentator X Finance Bull in a post on X. Why are people still hating on ripple:native when XRPL is up 63% in the last 30 days on the RWA League Table????? In just 5 months, the XRP Ledger absorbed over $3.5B in RWA value. IN JUST 5 MONTHS! Imagine what the next few months could look like. XRPL is getting closer to… https://t.co/HOXX33FRP9 pic.twitter.com/YFedTY1a6V — X Finance Bull (@Xfinancebull) May 15, 2026 Real-world assets, for those unfamiliar, are traditional financial products — bonds, funds, real estate, commodities — represented as tokens on a blockchain. Supporters of the technology say moving these assets on-chain makes them easier to trade, settle, and distribute. Ripple and the XRPL Foundation have been actively courting institutions to bring that kind of activity to their network. X Finance Bull, who describes himself as an XRP community educator, pointed to the growth figures as evidence that the broader market is still underpricing the token. He argued that trillions of dollars in assets could eventually be tokenized on XRPL — a scenario that, in his view, would push XRP’s price well above current levels toward $10. “XRP will melt faces,” he wrote. The altcoin, he added, will go “much higher.” A Market Still Far Ahead The overall tokenized asset market is already valued at over $350 billion globally. XRPL’s $3.6 billion share puts it at roughly one percent of that total, leaving significant room — at least on paper — for further growth if adoption continues. Related Reading: Is Zcash The Next Bitcoin? Investors Rush Into The Privacy Coin Narrative Rising issuance and transfer activity on the network suggest institutions are not just exploring the idea but are actively using it, according to data firm Evernorth. To make the case that skeptics will eventually be proven wrong, X Finance Bull drew a comparison to Bitcoin’s early days. Critics once insisted BTC would never clear $100. It went on to reach a record close to $126,000 in October 2025. The analyst used that history to frame current doubts about XRP as a repeat of the same kind of early dismissal. Featured image from Unsplash, chart from TradingView

Failed transactions on the XRP Ledger climbed sharply this week alongside a burst of new user activity, as on-chain data pointed to a wave of participation that accompanied the token’s latest price recovery. Wallets Running Toward 8 Million Total activated accounts on the XRP Ledger reached 7,856,080, putting the network within striking distance of a milestone that has been building for months. Related Reading: Bitcoin Faces Major Test As 37% Recovery Collides With Bear Resistance That figure was pushed higher by a surge in new wallet creation — 3,317 fresh wallets were added in a single day, the strongest reading since March 19. New wallet activity had been relatively quiet for much of May, dipping to around 2,200 on May 10 before climbing back up in the days that followed. Active addresses on the network also jumped. According to Santiment, 48,453 unique addresses were active within a 24-hour window — the highest count since March 30. XRP’s price had climbed above $1.54 during that period, a level it had not reached in roughly two months, before pulling back below $1.50. ???? The $XRP price surge above $1.54 for the first time in 2 months was enough to help the network erupt to its highest level of on-chain activity since March. The XRP Ledger just had its highest 24-hour period of: ???? Active Addresses (48,453: Highest Since March 30) ???? Network… pic.twitter.com/iInHHdei5P — Santiment Intelligence (@SantimentData) May 15, 2026 Santiment attributed much of the activity surge to investor response to the price move. Data shows that wider participation across a blockchain network is generally seen as a positive indicator for medium- and long-term valuation, even when the initial trigger is price-driven excitement. Errors Spike Alongside Activity Separate data from XRPScan added another layer to the picture. The number of active users tracked through source tags and destination tags moved above 184,000 on May 15, the second-highest reading since early April. At the same time, failed transaction errors rose sharply. Attempts returning a “tecNO_PERMISSION” result — which occurs when a sender lacks authorization for an operation — reached 1,332 on May 19, the highest since March 31. Transactions failing due to “tecINSUFFICIENT_FUNDS,” meaning the sender did not hold enough of the required asset, climbed to 656 on the same date, a peak not seen since April 19. Price Recovery Drives The Numbers XRP joined a broader market rebound this week, briefly touching $1.54 before resistance slowed the move. That short-term rally was enough to pull several network metrics to their best levels in weeks. Related Reading: Is Zcash The Next Bitcoin? Investors Rush Into The Privacy Coin Narrative According to Santiment, the daily active address count and new wallet figures had shown no consistent direction for most of the month. The jump recorded this week broke from that pattern. Whether the uptick in usage holds beyond the immediate price action remains to be seen, but for now, the XRP Ledger posted its most active stretch since late March. Featured image from Pexels, chart from TradingView

On-chain data from Santiment shows the number of XRP Ledger wallets holding at least 10,000 XRP tokens has reached a new all-time high. The milestone comes at a time when XRP is still trading 60% below its all-time high, showing how much disconnect there is between price and holder activity. It also raises a major question: are larger holders positioning early before the price catches up? XRP Ledger Hits Record High In 10,000+ XRP Wallets XRP has spent much of 2026 fighting to regain stronger bullish momentum, but its on-chain picture is telling a different story from the price chart. Many large wallets are not leaving the network. They are adding to it. Related Reading: Market Analyst Outlines How The XRP Price Will Reach $300 And What Everyone Is Missing Particularly, data from the on-chain analytics platform Santiment shows that the number of XRP Ledger wallets holding at least 10,000 XRP has climbed to a record 332,230. Santiment noted that this continues a steady growth trend that has been building since June 2024, despite the price volatility that has followed XRP across several phases of the crypto industry. The chart shared by Santiment shows the 10,000+ XRP wallet cohort rising almost consistently from late 2025 into May 2026. However, the most severe test of that trend came in early February.  Between February 6 and 8, 2026, over 4,500 wallets in the 10,000+ XRP bracket disappeared during a broader crypto market selloff. During that time, the Bitcoin price fell 12.6% on February 5 to $63,500, its lowest level since October 2024, as the wider crypto market suffered heavy losses and over $1 billion in liquidations. However, the wallet count subsequently recovered in the second half of February and has been on an uptrend since then. Now, the number of large XRP holders has broken past its January peak and is at a new high of 332,230 addresses. Will The XRP Price Follow The Holder Growth? The question now is whether this wallet growth can translate into price momentum. According to Santiment, the rising numbers of mid-to-large wallets suggest increasing conviction from investors who are less focused on short-term price swings and more interested in long-term positioning. This means that many XRP traders believe in ultra-bullish price targets for the long term.  Related Reading: XRP Is Quietly Taking Over And These Are The Things That Investors Keep Missing Interestingly, there are also other pieces of market data that support the idea that XRP is attracting capital. The five US-listed spot XRP exchange-traded funds reported a combined $25.8 million in net inflows on May 11, the largest single-day haul since January 5, when they drew $46 million in their first week of trading, according to SoSoValue data. On-chain accumulation does not automatically lead to an immediate rally, and XRP’s price chart still has work to do. Buyers need to turn accumulation into visible bullish pressure. The first sign would be a stronger move away from the current $1.40 to $1.50 range. The current most important breakout zones are around $1.52 and $1.54. A successful daily close above $1.54 could validate a bullish breakout on the shorter timeframes, while a close above $1.60 will validate a bullish breakout on larger timeframes. Featured image from Adobe Stock, chart from Tradingview.com

The XRP Ledger (XRPL) is seeing a drastic rise in fraud attempts targeting its users as the network draws more institutional activity, higher transaction volumes, and renewed attention from XRP traders. On May 14, David Schwartz, the former chief technology officer at Ripple, published a public warning regarding the increasing scam efforts targeting the XRPL […]
The post Ripple insider warns XRP holders as fake airdrop scams surge across XRPL appeared first on CryptoSlate.

XRP investment products witnessed a notable spike in inflows last week. CoinShares data shows that XRP products attracted $39.6 million last week, a 1,220% jump from the modest $3 million recorded in the previous week. The move came as digital asset investment products posted their sixth straight week of inflows, bringing in $857.9 million across the market. The broader tone was helped by improving sentiment around the CLARITY Act, especially after lawmakers reached a compromise on stablecoin yield rules. Spot XRP Inflows Jump 1,220% CoinShares’ latest weekly flow data shows XRP-based exchange-traded products received $39.6 million in inflows last week, compared to only about $3 million in the prior week. That is a 1,220% increase in seven days and brings XRP’s year-to-date flow to $191 million. XRP’s assets under management also climbed to about $2.56 billion, placing it among the strongest non-Bitcoin crypto investment products in the latest report. Related Reading: Pundit Says XRP At $1,000 Is Nothing Big, The Real Value Is Much Higher Bitcoin still dominated the market with $706.1 million in weekly inflows, while Ethereum recorded $77.1 million and Solana brought in $47.6 million. However, those numbers mostly reflect the larger size of their markets.  XRP’s move is much more notable because it shows a sudden change in allocation behavior. Investors who had only been adding small amounts to XRP products in previous weeks stepped in with much larger sizes, pushing XRP ahead of most altcoin products outside of Ethereum and Solana. Interestingly, the regional flow data shows that the United States was the main pipeline of last week’s rebound. US-based products recorded $776.6 million in inflows, a 1,530% recovery from the previous week’s $47.5 million inflows. Germany followed with $50.6 million, Switzerland added $21.1 million, and the Netherlands recorded $5 million. XRP’s Growing Institutional Infrastructure The inflows into XRP-based products came during a period of wider inflow into crypto products. However, there were a few significant developments last week that helped contribute to a positive institutional narrative around XRP and Ripple’s entire ecosystem. Related Reading: XRP History Is About To Repeat Itself And Price Could Rally 1,008% To Cross $10 Most notably, Ripple announced the successful completion of a pilot tokenized US Treasury settlement on the XRP Ledger with JPMorgan, Mastercard, and Ondo Finance, processing the redemption in under five seconds. This event, which is part of the rapid growth in tokenized real-world assets, was enough to increase bullish sentiment surrounding the Ripple and XRP ecosystems. The pattern of institutional demand is also becoming more durable. April had already been the strongest monthly inflow period of 2026 for US-listed XRP ETF products, and last week’s surge suggests that momentum has carried into the new month. The CLARITY Act is also one of the biggest reasons behind the sudden improvement in fund flows across the entire market. The United States Senate Banking Committee has unveiled the draft text of the CLARITY Act, and a vote is scheduled to be held on May 14. Featured image from Adobe Stock, chart from Tradingview.com

The XRP Ledger has reached a new high in the number of wallets holding at least 10,000 XRP, according to on-chain analytics firm Santiment, extending a growth trend that has been in place since mid-2024. The firm framed the rise as a long-term accumulation signal among larger holders, even as XRP has spent much of 2026 trading below prior highs. Santiment said its data shows 332,230 XRP Ledger wallets now hold at least 10,000 XRP, marking an all-time high for that cohort. The metric, shown in a chart shared by Santiment Intelligence, tracks wallets in the “10,000 to infinity” XRP balance range alongside the XRP price. “According to our on-chain data, XRP Ledger now has reached an all-time high of 332,230 wallets holding at least 10K XRP,” Santiment wrote. “This extends a consistent growth trend that has been building since June, 2024. The continued rise in XRP Ledger wallets holding at least 10,000 XRP is an important long-term signal because it shows that larger holders have kept accumulating even during periods of volatility and uncertainty.” What This Means For XRP Price The chart shows a steady expansion in the number of 10K-plus XRP wallets over the past year, with the wallet count rising even as the price line has moved through several drawdowns and rebounds. The latest reading places the cohort near 332,000 wallets, above previous levels seen before a sharp early-February decline. Related Reading: Key XRP Metric Skyrockets 65% In Record Time, Why It Could Change Everything For Buyers Santiment described the group as “mid-to-large wallets,” a distinction that matters for interpretation. A 10,000 XRP threshold does not necessarily identify institutional whales or exchange-scale holders, but it does filter out smaller retail balances and captures addresses with a more meaningful exposure to the asset. For market analysts, growth in that cohort can point to broader accumulation, distribution patterns, or changes in holder conviction. The firm argued that the latest move is notable because it has occurred during a period when XRP has remained below earlier highs. In that context, Santiment said the increase may suggest that larger XRP holders have been adding exposure into weakness rather than waiting for momentum to return. “Historically, rising numbers of mid-to-large wallets suggest increasing conviction from investors who are less focused on short-term price swings and more interested in long-term positioning,” Santiment wrote. “This is especially notable because XRP has spent much of 2026 trading below previous highs, meaning many holders appear willing to accumulate during fear rather than chase momentum.” Related Reading: XRP To $10? New Thesis Links CLARITY Act To Bank-Scale XRPL Liquidity The chart also shows a brief but sharp break in the trend in early February. Santiment pointed to a drop of more than 4,500 wallets in the 10K-plus category between February 6 and February 8, but said there was no confirmed XRP-specific catalyst behind the move. “As for the sharp drop of more than 4,500 of these 10K+ wallets between February 6th and 8th that you see, there does not appear to be one confirmed XRP-specific event directly tied to it,” Santiment wrote. “However, the timing strongly suggests it was connected to the crypto-wide crash and liquidations on February 5th, which the growth in wallets since then have now exceeded.” That recovery is the more important element in the data. The number of wallets in the 10K-plus XRP cohort has not only rebounded from the February decline, according to Santiment’s chart, but pushed to a fresh record. That suggests the early-year disruption did not derail the broader accumulation trend tracked since June 2024. Still, wallet-count data requires careful reading. A rising number of addresses above a balance threshold can reflect genuine accumulation by new or existing holders, but it can also be influenced by wallet fragmentation, custody practices, exchange activity, and operational address management. Santiment’s framing focuses on the signal from the cohort’s persistent expansion rather than treating the metric as a direct count of unique investors. At press time, XRP traded at $1.4554. Featured image created with DALL.E, chart from TradingView.com

A major piece of US crypto legislation is now in the spotlight with XRP at the center: the CLARITY Act draft text was released Monday night, totaling 309 pages and arriving ahead of a key Senate markup scheduled for Thursday.  The bill has been delayed since January, but the appearance of the full draft has already triggered intense attention from XRP analysts who believe important parts of the document could meaningfully improve the altcoin’s regulatory outlook. ‘Legally Favorable’ For XRP According to market expert Bull Winkle, several provisions in the draft point to “significant bullish categories” for XRP. In a post shared after the release, Winkle said his reaction was not only excitement, but a sense that the framework is unusually favorable in legal and structural terms.  He began by focusing on the early pages of the draft which creates a new regulatory category for a “network token.” In his reading, the bill defines a network token as a digital asset intrinsically tied to a distributed ledger, where the value comes from the network’s use rather than from any company’s profits.  Related Reading: Top Analyst Confirms The Bearish Target: Bitcoin Could Ease Down To $40,000 He argued that this is the type of model XRP fits into, noting that the altcoin’s value, as he describes it, is tied to activity on the XRP Ledger (XRPL)—specifically payments, settlement, and utility—rather than Ripple’s profitability.  He also emphasized that, in this view, the XRP Ledger continues running whether Ripple exists or not, and that the “network token” definition appears to be written for an asset with that exact structure. From there, Winkle pointed to what he said was the most striking legal detail he found in the draft. He said Section 105, spanning pages 110 to 112, includes language inside the decentralization test that he believes has major implications.  The Best Regulatory Framework For Crypto? The clause he highlighted states that if a court has already determined that a transaction was not a security before the law was enacted, then the asset cannot later be reclassified as a security. In Winkle’s interpretation, this language is directly connected to the Ripple-related court findings that have already been established. He also referenced the legal context he believes matters most: Judge Torres’ ruling that XRP secondary market sales were not securities transactions, which he described as final.  He characterized this as the single most important legal protection XRP has ever received, in part because it would put a firm boundary around how future re-interpretations could be handled. Related Reading: Circle Banks $200M From Giants Like BlackRock In Arc Token Presale, CRCL Jumps 15% Winkle’s post also cited Section 401, located on pages 195 through 204, and described it as a provision that explicitly authorizes banks and credit unions—along with their subsidiaries—to use digital assets for payments, custody, clearing, and settlement.  In his view, this is not just a general permission slip, but an on-ramp for the banking sector to move forward with the same operational capabilities that XRP advocates have associated with payment infrastructure work. Even with his bullish conclusion, Winkle was careful to note that the CLARITY Act is still a Senate draft and has not passed yet. That means the provisions he highlighted remain subject to change as lawmakers negotiate and vote.  Still, he argued that the document already contains the most favorable regulatory framework for XRP that the US government has put on paper to date. Featured image created with OpenArt, chart from TradingView.com 

Fresh accusations of market manipulation are surrounding XRP after a wave of unusual whale activity triggered sharp liquidity shifts across major exchanges. On-chain analysts claim that large XRP holders may be strategically moving billions of tokens to influence price action, target leveraged positions, and exploit weak liquidity zones during critical market sessions. Is XRP Becoming A Whale-Controlled Market? XRP whales have now confirmed strategic manipulation of liquidity, turning what appears to be resistance into a calculated market trap. A crypto trader and investor known as Cheeky Crypto on X noted that as XRP tests the $1.45 resistance level for the fourth time, new data suggests this ceiling is a deliberate liquidity zone engineered by large holders. Related Reading: XRP Market Now Controlled By Whales? Dominance Reaches 91% On Binance At the core of this setup lies a staggering 1.16 billion XRP token supply overhang and a hidden market pipe. While retail investors interpret repeated rejections as weakness at the resistance zone, institutional players are reportedly absorbing sell pressure through ETFs. On-chain data adds weight to this narrative. In a single day, 34.94 million XRP tokens were withdrawn from exchanges, while the XRP native automated market maker is creating a supply-demand imbalance. Furthermore, regulatory developments could act as a major catalyst. The United States Senate Banking Committee’s ongoing work on the Clarity Act could become a major turning point for XRP resistance if lawmakers officially classify the asset as a digital commodity. Cheeky Crypto believes that the Goldman Sachs disclosure of a $153.8 million position in spot XRP ETFs marks the beginning of the institutional era for the ledger. Stablecoin Activity On XRP Ledger Continues Accelerating Rapidly Multiple bullish signals are aligning for XRP and its broader ecosystem. The CTO and founder of House of Cauliman, Mr. Cauliman, has highlighted that one of the strongest indicators came from exchange flow data showing that more than $115 million worth of XRP was withdrawn from exchanges within 24 hours. These large exchange outflows are often interpreted as a sign that big holders are moving assets into private wallets rather than preparing them for immediate sale. Related Reading: This New Move Just Opened XRP To 44 Million New Users At the same time, activity surrounding real-world assets on the XRPL is rapidly accelerating. Tokenized assets on XRPL have surged to approximately $3.03 billion, representing a roughly 45% increase over the past 30 days. At the same time, stablecoin adoption is also expanding across the network, with value nearing $498 million, and transfer volume continues to rise. Furthermore, institutional adoption is also becoming more tangible. In a notable development, Ondo Finance, JPMorgan Kinexys, Mastercard, and Ripple successfully executed a near real-time cross-border redemption of tokenized US Treasuries using XRPL. Despite whales steadily removing XRP from exchanges, institutions testing real settlement with RWA, and stablecoin activity rapidly expanding, the network continues to operate efficiently. This growing appeal is coming from buyers, but the reason people are paying attention is utility. Featured image from Getty Images, chart from Tradingview.com

Crypto pundit Remi has declared that an XRP rally to $1,000 is nothing big, indicating that the altcoin could easily reach this target. The pundit also revealed why he believes that XRP could rally much higher, outlining potential use cases for the token.  Pundit Explains Why XRP Can Rally Well Above $1,000 In an X post, Remi remarked that those who think an XRP rally to $1,000 is something “big” haven’t been out in the real world. First, he alluded to the DTCC, stating that XRP can’t be less than $100 solely because of the DTCC utility, as this could drive in “quadrillions” of dollars. The pundit is alluding to the DTCC working with Ripple on its tokenization goals, which could be bullish for XRP.  Related Reading: These Catalysts Can Trigger The Next XRP Price Run, But Can It Reach $3? Furthermore, Remi noted that the inclusion of SWIFT, tokenization, U.S. debt, the Special Drawing Rights (SDR), and the entire banking system makes it impossible for XRP to support such use cases without slippage unless the token is worth over $1,000. In line with this, he declared that if the bull cycle ends quickly, then XRP is likely to have only a three-digit price tag. However, if the cycle extends, then the altcoin could rally above $1,000.  The pundit also noted that XRP needs volume and adoption percentage, which he believes will only come with time. He declared that it will be a quick adoption. XRP is already seeing significant adoption with increased activity on the XRP Ledger. The total tokenized value on the network has surpassed $3 billion, according to data from RWA.xyz.  The CLARITY Act Factor Remi stated that if the CLARITY Act gets signed into law by July, and the bull cycle ends in September, then XRP won’t have time to mature before the cycle ends. However, he believes the token will keep rising while the economy tanks, and that it could rally above $1,000 at year-end 2027 rather than at the start of the year.  Related Reading: XRP History Is About To Repeat Itself And Price Could Rally 1,008% To Cross $10 Interestingly, the pundit also raised the possibility of XRP rallying to $100,000 in the near future, stating that this could happen when they make XRP an e-SDR. He declared that this would happen as the token becomes the settlement rail for the global financial system. He doubled down on the e-SDR angle, predicting that XRP could reach as high as $5,000 overnight if the  International Monetary Fund (IMF) or the Bank for International Settlements (BIS) labels the token as an e-SDR. Remi also expressed confidence that this will eventually happen.  At the time of writing, the XRP price is trading at around $1.42, up over 3% in the last 24 hours, according to data from CoinMarketCap. Featured image from Peakpx, chart from Tradingview.com

Market analysts are identifying new catalysts that could propel XRP to explosive highs. A leaked footage shared by Crypto analyst Don Digital Finance highlights two catalysts from a theorized pricing model that could trigger a massive price surge for XRP. Meanwhile, other experts are focusing more on XRP’s payment rails and utility, predicting a price rally to $3.  While most XRP price projections in the market are often based on speculation and hype, the leaked model treats the cryptocurrency as a functional tool for banks and institutions. This means that a higher XRP price is required or even mandated for the system to remain efficient. Leaked Model Predicts XRP Price Rally Between $5 and $4,300 In a post on X, Don Digital Finance shared details regarding leaked footage featuring Teucrium CEO Sal Gilbertie. The video captures Gilbertie discussing various legitimate pricing models for XRP that suggest a valuation range starting from $5 to $4,300. Related Reading: XRP History Is About To Repeat Itself And Price Could Rally 1,008% To Cross $10 These pricing models primarily focus on XRP’s institutional adoption and velocity, which measures how many times it is used within a specific period. Explaining the theory governing the model, Don Digital Finance said that if the XRP network settles trillions of dollars in global payments, the speed of these transfers would dictate how many tokens must be available at any given second. Notably, when institutions move large sums of money, they need deep liquidity to prevent the price from swinging wildly during a single trade. This suggests that if XRP’s price remains low, banks would need to move a massive number of tokens to settle a single multi-billion-dollar payment. This strategy would create a huge functional problem because there are not enough tokens in circulation to support that volume of wealth at a low price point. Related Reading: XRP Price Is Replicating The 2017 Trend And The Implications Are Parabolic However, Gilbertie’s mathematical models suggest that for XRP to handle massive institutional flows, the price needs to be high enough for the existing supply to cover all transactions. A higher price means global banks can use fewer coins to transfer very large amounts of money. According to his calculations, the required price for this system to work is between $5 to $4,300.  Analyst Projects XRP Surge To $3 Then Higher In a separate X post, market expert XRP Queen stated that XRP is positioning for a significant breakout. She predicts that the cryptocurrency could first reach its 2018 all-time high of $3.84, then ultimately target an ambitious $227. According to XRP Queen, the catalyst behind this rally is XRP’s growing role as a global payment asset. She noted that the XRP Ledger (XRPL) has recently entered a $2.7 trillion market that encompasses payments, decentralized media, and the broader Web3 ecosystem. She believes that XRP could become a core payment rail within this space, potentially fueling substantial price growth. Featured image from Getty Images, chart from Tradingview.com

XRP’s latest breakout attempt appears to be losing steam as bulls struggle to maintain price action above the key resistance zone near $1.45. The rejection has pushed XRP back toward an important support area despite ongoing bullish developments surrounding Ripple and the XRPL ecosystem.  Failure To Hold Above $1.45 Resistance In a recent analysis, crypto analyst EllaWeb3 noted that XRP struggled to maintain momentum above the $1.45 level and has since started drifting back toward the same breakout zone that traders had been closely monitoring in recent sessions. The rejection near resistance has slowed bullish momentum and placed the market back into a wait-and-see phase. Related Reading: XRP Nears Triangle Apex—Will A Breakout To $1.80 Follow? What makes the situation more notable is that the pullback occurred despite Ripple continuing to expand institutional tokenization use cases on the XRPL network. Major names such as JPMorgan, Mastercard, and Ondo have reportedly been involved in this move. Yet, the market appears to be reacting more to technical structure than to bullish headlines. At the moment, traders are closely watching several key price levels. The $1.40–$1.41 range is currently acting as the primary support zone, while the $1.45–$1.47 area continues to cap upside attempts. Momentum weakened significantly following the rejection near $1.45, and thinner-than-usual liquidity conditions could lead to sharper price swings in either direction. Although the broader setup has not fully broken down, XRP has returned to an area where the market is once again seeking confirmation. A successful reclaim of the upper range could quickly improve sentiment. However, if support levels begin to fail, confidence in the breakout narrative may fade rapidly. XRP Continues To Lag Behind Bitcoin’s Recovery According to More Crypto Online, XRP continues to trade sideways even as Bitcoin has already produced stronger B-wave rallies during the current market phase. From a higher timeframe outlook, the overall structure has not changed significantly. Related Reading: XRP Compression Peaks: Symmetrical Triangle Signals Explosive Move Ahead The current price action continues to appear corrective and may still be unfolding as part of a broader ABC pattern. Rather than displaying impulsive upside behavior, XRP seems to be developing a B-wave range. At the moment, the key local range between $1.22 and $1.55 remains the main support and resistance zone. As long as XRP stays trapped within this region, the market structure continues to favor a corrective outlook over a bullish one. From an Elliott Wave standpoint, there is still no convincing evidence that XRP has begun a direct impulsive advance toward new all-time highs. The broader structure still leaves room for another C-wave decline into the larger support area between roughly $0.98 and $0.48. At the same time, a temporary rally toward the red resistance region between $1.78 and $2.87 remains possible and would still fit within a larger corrective B-wave scenario. For now, momentum remains the key issue for bulls, as XRP continues to struggle for a decisive breakout while Bitcoin trades near major resistance levels. Featured image from Freepik, chart from Tradingview.com

XRP has entered a new chapter in Japan’s payments market after Rakuten Wallet connected the token to Rakuten Pay and Rakuten Cash, giving millions of everyday users a route to interact with the cryptocurrency through an ecosystem they already use. The development is one of the most talked-about XRP adoption stories of the year, among many others. Crypto commentator Dr. Kamilah Stevenson relayed a message for investors fixated on XRP’s price chart: they are watching the wrong screen, while the XRP ecosystem is quietly being opened to 44 million new users. The Market Is Missing The Real XRP Story Stevenson’s comments are based on one idea: XRP adoption may be moving forward beneath the surface even when price action looks quiet. According to the crypto commentator, many investors judge adoption by whether the price jumps immediately after a headline. That is the wrong way to measure developments like the Rakuten Wallet rollout. Related Reading: Is XRP A Scam Or A Trillion-Dollar Coin? Pundit Shares The Answers As noted by Stevenson, 44 million people just got access to XRP. However, that is not a claim that 44 million people have bought the cryptocurrency. Instead, it references Rakuten Wallet, which added XRP to its Rakuten Pay app, allowing its 44 million users to use the cryptocurrency as a payment method across more than 5 million merchant locations in Japan.  Therefore, this implies that a consumer base of 44 million users now has access to XRP anytime they want, particularly to be used as a payment option. That matters for XRP because the cryptocurrency’s long-running investment thesis has always leaned heavily on payment utility. It also plays into the trend of an outlook of adoption by financial institutions. As noted by Stevenson, “this is exactly what institutional adoption looks like, and most people are completely missing it.” Price Is Not The First Signal To Watch Most crypto investors, especially retail traders, are always chasing headlines and expect the XRP price to jump very quickly to moves like this. However, there is a risk in expecting adoption to show up instantly on the price chart. Related Reading: Here’s Why The XRP Price Keeps Crashing Despite Bitcoin Rising On the other hand, real adoption doesn’t move prices immediately. Institutional money doesn’t move on headlines. The more important things are transaction volume, merchant adoption, and proof of concept at scale.  That view fits the Rakuten development more closely than a simple bullish price headline would. Rakuten Wallet’s rollout allows users to convert Rakuten Points into XRP, trade the asset in-app, and charge Rakuten Cash through Rakuten Wallet for spending with Rakuten Pay. Interestingly, the Rakuten development is one of many that are increasing the utility of XRP and the entire XRPL ecosystem on a global scale. While retail traders are watching the price chart, the real money is watching the infrastructure quietly built underneath.  Featured image from Adobe Stock, chart from Tradingview.com

The XRP price action has long been a topic of debate in the crypto community, with analysts and investors discussing the reasons behind its weak performance despite ongoing bullish developments. Given the cryptocurrency’s persistent downtrend, some market participants have labeled XRP a scam, suggesting that it lacks real potential and its price is being deliberately suppressed. However, a crypto pundit has addressed these claims, debunking the scam label while shedding light on XRP’s long-term potential as a trillion-dollar asset.  Why Crypto Users Are Calling XRP A Scam Vincent Van Code, a crypto analyst on X, has outlined several reasons that counter the idea that XRP, the native token of the XRP Ledger (XRPL), could be a scam. In his post, he asked why people believed “XRP is a scam or it’s not being used.” The analyst’s question connects to the broader criticism that XRP’s price has remained low for years despite its active use in cross-border payments, strong community, partnerships with key financial institutions, and expansion into different regions.  Related Reading: Ripple Execs Are Firing Back And XRP Investors Could Be In For A Good Time Before XRP’s rally above $3.5 in 2025, the cryptocurrency was in a steady downward trend for years. The XRP price had been consolidating around the $0.5 level for over four years before it broke past that level in 2024 and jumped above $2.  With the SEC lawsuit officially over and new developments emerging for Ripple and the XRP Ledger, many believed it would be only a matter of time until the price began rallying again to an explosive high. However, XRP has done the opposite. After crashing from above $3.5 last year, the cryptocurrency has been trading at lower levels around $1.3 for months. This weak price action has prompted many in the crypto community to doubt XRP’s potential, with some labeling it a scam token.  Analyst Debunks XRP Scam Labels In his X post, Van Code noted that XRP cannot be a scam if Ripple, a $50 billion company, is actively using the cryptocurrency and working to make it a multi-trillion-dollar asset. He said that there are ongoing plans to use XRP to handle over $1.5 trillion in cross-border payments each year, highlighting its potential role as a bridge currency in global transactions.  Related Reading: XRP Price Set To Rise As It’s Set To Capture A $180 Trillion Market; Analyst Rather than focusing on near-term price action and current performance, the analyst emphasizes XRP’s core utility as a payments solution and how this could drive long-term potential. Van Code suggested that as XRP continues to be used for payments and gains widespread adoption, its price would begin to appreciate in good time. Until then, he urges investors and holders to remain patient as XRP builds real-world use and expands its network. Van Code also referenced a recent statement made by Ripple CEO Brad Garlinghouse, who emphasized the importance of XRP, saying that “all roads lead back to Ripple’s North Star, XRP.” Featured image from Adobe Stock, chart from Tradingview.com