XRP Utility Debate Returns As Ripple Stablecoin Migration Plans Draw Attention is a useful reminder that crypto coverage is not only about token prices. Sometimes the more important story is the infrastructure, regulatio
Demand for XRP is weakening across several key market indicators, testing whether the XRP Ledger’s (XRPL) growing institutional pipeline can translate into sustained investor and network activity. US spot XRP exchange-traded funds recorded about $7.2 million in net outflows in the week ended July 10, according to SoSoValue. The withdrawals ended a nine-week inflow streak […]
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Ripple is trying to move the XRP Ledger (XRPL) deeper into institutional credit, a push that could expand the network’s role beyond cross-border payments and give XRP a broader claim on the next phase of onchain finance. The company is backing a proposed lending upgrade that would allow institutions to borrow against assets they hold […]
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Ripple is pursuing a coordinated expansion of its stablecoin infrastructure across Europe and Africa, combining a strategic investment in payments company Flutterwave with preliminary regulatory approval in the European Union to widen the reach of its digital-asset services. The dual-track strategy targets high-volume cross-border payment and remittance corridors in sub-Saharan Africa while giving Ripple a […]
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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 […]
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Stablecoin liquidity on the XRP Ledger (XRPL) has nearly doubled over the past month, putting the network within reach of a $1 billion supply milestone as Ripple tries to position its blockchain for automated payments. The surge gives Ripple a stronger base for one of its most ambitious pitches yet: that artificial intelligence agents will […]
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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
Testing found something conventional methods missed. Ripple software engineer Vito Tumas disclosed that the formal verification process being applied to the XRP Ledger’s upcoming lending protocol has already uncovered complex edge cases that standard testing procedures failed to detect. Related Reading: A 400 Billion Shiba Inu Surprise: Whale Wallet Springs Back To Life Ripple is working alongside blockchain security firm Common Prefix on the effort. Together, the teams construct an abstract model of the protocol and continuously compare it against the C++ implementation of xrpld — the XRP Ledger’s server software — using a verification framework built to catch discrepancies and potential vulnerabilities before they reach users. Why Traditional Testing Falls Short Tumas explained that conventional testing only covers scenarios developers think to anticipate. Formal verification, by contrast, uses mathematical proofs to confirm that code behaves correctly across a much wider set of conditions — including edge cases that human testers may never consider. The technique is used in fields where failure is not an option, among them aircraft systems, nuclear power plants, and military-grade software. Upcoming Lending Protocol is getting Formal Verification ????!! The tech used to safeguard nuclear power plants, airplanes, military systems is being applied to the $XRP Ledger. Call it Fortress XRP. XRP’s native DeFi (no smart contracts) meets best in class security standards… https://t.co/KSAm0UuJC1 pic.twitter.com/D3aSFOUePS — Vet (@Vet_X0) June 8, 2026 The verification work covers two features central to XRPL’s native DeFi push: the Lending Protocol and Single Asset Vaults. Both are designed to bring borrowing and lending directly to XRPL’s Layer-1 architecture, bypassing the need for traditional smart contracts entirely. Because DeFi functionality is embedded at the protocol level rather than in separate application layers, a flaw would carry consequences for the entire network — not just a single app. AI And Formal Verification XRPL dUNL validator Vet, who brought wider attention to the initiative through a post on X, said artificial intelligence is playing a growing role in making formal verification more practical and accessible at scale. He suggested that combining AI with formal verification could strengthen institutional confidence in the XRP Ledger ecosystem going forward. The XRPL community has seen what AI-assisted security analysis can do. Earlier this year, an AI tool identified a flaw in the proposed Batch amendment that could have exposed user funds to risk. Related Reading: XRP Monthly RSI Drops To All-Time Low As Market Watches For Confirmation Native Lending Inches Toward Activation The lending protocol was introduced under the XLS-66 amendment and entered the validator voting phase earlier this year following the release of XRPL version 3.1.0. According to Vet, developers are still in the testing phase while the necessary security safeguards are put in place before the feature goes live. Both institutional and retail users are expected to be able to access credit using assets such as XRP and RLUSD once the protocol is activated. Featured image from Biotech Healthcare, chart from TradingView
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
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
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
A user lost 6,000 XRP after falling for a scheme that promised to double their funds. That case is one of several being reported as scammers step up their efforts against XRP Ledger users, prompting a public warning from Ripple’s former chief technology officer. Related Reading: Bitcoin Faces Major Test As 37% Recovery Collides With Bear Resistance Fake Offers Hiding In Plain Sight David Schwartz, known online as JoelKatz, posted the alert on X after what he described as a sharp rise in fake airdrop and giveaway activity. He warned that nearly all such offers seen across social platforms are fraudulent, and that anyone claiming to be him on Instagram, Telegram, or similar apps is almost certainly running a scam. The warning came alongside reports from others in the XRP space. XRPL blockchain explorer Bithomp flagged a specific trick where scammers send unsolicited NFTs to user wallets. SCAM ALERT: There has been a huge escalation lately in airdrop and giveaway scams targetting XRPL users lately. Any such posts you see are likely scams. Anyone claiming to be me on Instagram, Telegram, or almost anywhere else is likely a scammer. Stay safe XRP fam. — David ‘JoelKatz’ Schwartz (@JoelKatz) May 14, 2026 The NFTs carry misleading messages — one example read “Verification: Safe XRPL verify message” — and are paired with hidden Buy Offers. When a user signs or accepts the offer, their XRP or other assets can be drained immediately. Wietse Wind from the Xaman wallet team has also urged users to cancel any unknown offers without delay. What Scammers Are Actually Doing The methods are not complex but they are effective. Scammers build fake social media profiles impersonating Schwartz, Ripple CEO Brad Garlinghouse, and projects tied to the XRPL. One fake Schwartz profile on Instagram was flagged by a community member last month and reported to the platform. Phishing plays a large role too. Fraudulent websites prompt users to connect their wallets or approve transactions under the guise of claiming rewards. Once done, the wallet is emptied. Some operations still use the oldest trick in the book — asking users to send XRP first with the promise of receiving more back. The scams are not exploiting flaws in the XRP Ledger itself. They rely entirely on deceiving people. Be aware of new scams on the #XRPL. Scammers are tricking users into signing NFT Buy Offers with misleading memos like: “Verification: Safe XRPL verify message.” Those offers can get accepted and drain huge amounts of $XRP. Always double-check: – what transaction type you are… pic.twitter.com/nNl6Mj4Ryl — Bithomp (@bithomp) May 11, 2026 Related Reading: XRP Bulls Gain Momentum As ETF Inflows Reach Multi-Month High Protect Your Wallet Before It’s Too Late Schwartz made clear that no legitimate organization runs surprise giveaways or asks users to send funds, share private keys, or reveal seed phrases. His verified X account is the only place users should look for communication from him. For protection, users are advised to avoid unknown links, refuse to connect wallets to unverified websites, and report suspicious accounts. Tools from Bithomp and Xaman can help users review and cancel pending offers before any damage is done. Acting fast after a scam occurs may limit losses, but full recovery is rarely possible. Featured image from Unsplash, chart from TradingView
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 […]
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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
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