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A crypto analyst has shared the reason he believes many people will miss the XRP bull run. Despite the recent poor performance in XRP’s price action, the analyst has shown strong confidence in the cryptocurrency’s ability not only to bounce back to the upside but also to reach significantly higher price levels that could match its global settlement goals.  In an X post on May 31, crypto market expert BarriC boldly stated that a significant number of investors are likely to miss the highly anticipated XRP bull rally once it eventually unfolds. Currently, several analysts in the XRP community share the view that the cryptocurrency’s current price does not reflect its true value. They believe that XRP’s value should not be measured by normal price action but by its utility and long-term potential to serve as a global settlement layer. The Reason Many People Will Miss XRP’s Rally BarriC noted that a significant percentage of investors may miss XRP’s run, not because they have never heard of the cryptocurrency, but because they get distracted by market noise. These distractions could cause investors to overlook or underestimate the scale of XRP’s move when it occurs.  Related Reading: Pundit Says The Clock Is Ticking For XRP, Here’s What To Know Notably, BarriC said that the market is now plagued by fear, impatience, and short-term price movements. He noted that many participants still do not understand the bigger picture, remaining primarily focused on near-term volatility and recent price declines rather than the cryptocurrency’s long-term prospects.  According to the analyst, XRP was created for purposes that extend far beyond retail market sentiment. He explained that the cryptocurrency was designed for liquidity, settlement, utility, and the seamless movement of value across global borders. With all of these real-world payment and remittance use cases supporting XRP’s underlying value proposition, BarriC’s view suggests that the cryptocurrency’s long-term price target could be significantly higher than current market expectations.  Given this outlook on XRP’s long-term utility and market positioning, the analyst has urged investors and holders to stay focused on the bigger picture. He noted that the future tends to reward only those who can identify emerging trends early, before broader market sentiment catches up and validates them.  Analyst Says XRP Price Below $2 Is A Trap  In a separate X post, BarriC also shared insights on where he believes XRP’s true value could lie. He noted that many people have grown comfortable with XRP trading below $2 because they have never seen it become widely required in global financial systems. He described this low valuation as “a trap,” arguing that once XRP becomes a necessity for moving value across global financial infrastructure, its price would no longer be limited by what retail investors consider expensive.  Related Reading: XRP Whale Vs. Retail Spread Just Hit A 2-Year Low, What This Means At that stage, BarriC believes that XRP could potentially trade anywhere between $10,000 and $50,000. He clarified that this ambitious projection is not hype, but a belief that most people may still underestimate how valuable XRP could become if it is ever needed on a global scale. Featured image from Getty Images, chart from Tradingview.com

A directory in Ripple’s Payments documentation has drawn attention from XRP supporters after a user highlighted that it contains more than 500 financial institution identifiers across multiple regions. While these IDs are mainly used for routing payments and operational processes, the size of the directory has renewed interest in Ripple’s global payments network and the potential role XRP could play within it. Ripple’s Expanding Banking Network At the center of the discussion is Ripple’s Payments documentation, which contains extensive bank-ID directories used within its payment ecosystem. The directory includes financial institutions from multiple countries and regions, with entries ranging from major banks such as ANZ, Commonwealth Bank, HSBC Australia, ING, Macquarie Bank, Westpac, and National Australia Bank to smaller regional institutions and many others. Each organization is assigned a unique identifier that helps facilitate payment routing within Ripple’s network. Related Reading: Bitcoin Has Hit A Ceiling, Analyst Says No Buying Until Price Hits This Level It is important to understand what these identifiers actually represent: a bank appearing in Ripple’s directory does not automatically indicate that it is using XRP. These IDs function primarily as routing references that allow payment participants to identify financial institutions and process transactions correctly across Ripple’s payment network. What makes this interesting for XRP investors is not the existence of the IDs themselves, but what they reveal about Ripple’s long-term strategy. Think of Ripple Payments as a global payment rail connecting banks, payment providers, exchanges, and financial institutions. Once institutions are connected to the network, they can move money across borders more efficiently than through traditional correspondent banking systems. XRP’s Place In The Network Traditionally, banks often need to hold large amounts of foreign currency in pre-funded accounts around the world to facilitate international transfers. Ripple’s On-Demand Liquidity (ODL) solution can eliminate much of this requirement by using XRP as a bridge asset.  For example, if a bank in Australia wants to send funds to a recipient in another country, XRP can act as the temporary settlement layer. The payment can be converted into XRP, transferred within seconds, and converted into the destination currency almost instantly. The transaction settles quickly without requiring multiple intermediaries or pre-funded accounts. Related Reading: Can The Ripple Banking License Serve To Push The XRP Price To $25? The practical implication is straightforward: the more payment volume that flows through XRP-based liquidity solutions, the greater the potential demand for XRP. Increased utility can support adoption because institutions are using the asset. That does not mean every institution in Ripple’s directory will adopt XRP, nor does it guarantee higher prices. Many organizations currently use Ripple’s payment technology without utilizing XRP for settlement. Nevertheless, the presence of more than 500 identifiable institutions within Ripple’s payment framework demonstrates that the company has already built substantial financial infrastructure. If a growing portion of these connections eventually migrates toward XRP-powered liquidity, the result could be increased transaction volume, stronger network effects, broader institutional adoption, and potentially greater long-term demand for XRP. Featured image created with Dall.E, 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 price started a downside correction below the $1.3420 zone. The price is now showing bearish signs and might decline further below $1.3150. XRP price started a downside correction after it failed to stay above the $1.3450 zone. The price is now trading above $1.3150 and the 100-hourly Simple Moving Average. There is a declining channel forming with resistance at $1.3380 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could continue to move down if it stays below $1.3420. XRP Price Dips Below Support XRP price struggled to stay above $1.3520 and started a fresh decline, like Bitcoin and Ethereum. The price dipped below the $1.350 and $1.3450 levels. The price declined below $1.3420. There was a clear move below the 38.2% Fib retracement level of the upward move from the $1.2658 swing low to the $1.3642 high. Besides, there is a declining channel forming with resistance at $1.3380 on the hourly chart of the XRP/USD pair. The price is now trading above $1.3150 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.3380 level. The first major resistance is near the $1.3420 level, above which the price could rise and test $1.350. A clear move above the $1.350 resistance might send the price toward the $1.3580 resistance and the trend line. Any more gains might send the price toward the $1.3650 resistance. The next major hurdle for the bulls might be near $1.3740. More Downside? If XRP fails to clear the $1.3380 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.320 level. The next major support is near the $1.3150 level and the 50% Fib retracement level of the upward move from the $1.2658 swing low to the $1.3642 high. If there is a downside break and a close below the $1.3150 level, the price might continue to decline toward $1.3120. The next major support sits near the $1.3050 zone, below which the price could continue lower toward $1.2920. Any more losses might call for a test of $1.2880. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bearish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now below the 50 level. Major Support Levels – $1.3200 and $1.3150. Major Resistance Levels – $1.3380 and $1.3500.

XRP investment products pulled in close to $12 million in a single day on May 29, pushing total net inflows to roughly $1.42 billion — the token’s strongest ETF month of 2026 so far. Yet despite that institutional interest, XRP is still trading near $1.34, far below where some of its loudest supporters say it should be. Related Reading: Unknown Wallet Destroys $8.5 Million In Bitcoin In Shocking Burn A Fresh Target From A Familiar Voice YoungHoon Kim, who claims the title of world’s highest-IQ holder, posted a pointed statement on X this week: XRP will reach between $5 and $10 this cycle. A day earlier, he had teased that the token was about to explode — and the price target followed shortly after, drawing immediate attention across crypto social media. MY ANALYSIS IS FINAL: XRP WILL REACH BETWEEN $5 AND $10 THIS CYCLE. https://t.co/nFvSGhGp2W pic.twitter.com/HHg93FvHdV — YoungHoon Kim (@yhbryankimiq) May 29, 2026 The math behind those numbers is steep. Reaching $5 would require XRP to climb nearly 2.7 times from its current price. A run to $10 would mean a gain of over 600% from where the token sits today. A Credibility Debate Breaks Out Not everyone welcomed the forecast. Several traders on X pushed back, pointing to prior XRP calls by Kim that never panned out. Others went further, questioning whether his claim of holding the world’s highest IQ record is even legitimate. The skepticism is not without context. XRP hit an all-time high of $3.66 in July 2025 and has since fallen about 67% from that peak. Getting to $10 would mean eclipsing that record by nearly three times — a tall order under any market conditions. Related Reading: Bitcoin Faces Prolonged Downtrend Through 2027, Analyst Warns What The Data Actually Shows Reports indicate that institutional money has been moving steadily into XRP-backed products this year. The $1.42 billion in cumulative ETF inflows signals growing interest from larger investors, even as the spot price has failed to reflect that momentum. Regulatory clarity and sustained ETF demand are widely seen as the conditions most likely to drive any major price move. For now, XRP continues to trade sideways near $1.34, and whether it can push toward Kim’s target will depend far more on those fundamentals than on social media posts. Featured image from Pexels, chart from TradingView

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

XRP is sending out an interesting on-chain signal at a time when its price is still struggling to build a convincing recovery above $1.3. A closely monitored on-chain metric tracking the behavioral gap between XRP’s largest holders and its retail base has collapsed to its lowest reading in more than two years.  The data, sourced from blockchain analytics platform CryptoQuant, points to a structural shift in how XRP is flowing out of Binance, with the Binance Whale vs. Retail Spread for XRP falling to 88.3%, its lowest level in more than two years. XRP Whale Vs. Retail Spread Hits A 2-Year Low The spread between whale and retail outflows on Binance has dropped to 88.3%, its lowest point since May 2024, and notably, it is the second time this level has been tested within the same month.  Related Reading: Pundit Says The Clock Is Ticking For XRP, Here’s What To Know The Binance Whale vs. Retail Spread tracks the gap between large XRP outflows and smaller retail-sized outflows on Binance. Based on CryptoQuant’s model, whale activity refers to XRP outflow bands above 10,000 XRP, and retail activity refers to smaller outflow bands below 10,000 XRP.  A high spread means whales are dominating exchange withdrawals by a wide margin, while a falling spread shows that the difference between large holders and smaller traders is becoming less extreme. The current reading sits near the bottom of the chart’s two-year range, which makes it a notable change in XRP’s market structure. As it stands, the reading is at 88.3%. Notably, this reading means that the spread is still positive, so whales are the larger force in Binance XRP outflows. However, the chart shows a clear decline from the 92% to 94% region that appeared during several points in late 2025 and early 2026.  Why The Drop Could Be A Signal A falling whale-retail spread can be interpreted in two ways. The first interpretation is that whale dominance is cooling down. In that case, large holders may no longer be removing XRP from Binance with force. That would make the signal less immediately bullish, especially because the XRP price has continued to fall lower since its peak price of $3.65 in July 2025. Related Reading: Key Volume Signals Are Driving XRP Momentum Amid Market Uncertainty The second interpretation is that retail participation is rising at the same time that whale activity is becoming less aggressive. As noted by an XRP commentator account known as BankXRP on the social media platform X, this low reading is historically a precursor to major price moves. This trend can be seen in the chart above, where similar downtrends in the whale-retail spread on Binance coincided with the beginning of rallies in January and July 2025. Exchange reserve data shows XRP supply on major trading platforms has been shrinking through the first half of 2026, and the 30-day moving average of whale XRP transfers to Binance fell to levels not seen since 2021.  Fewer tokens on exchanges means less immediately available sell-side pressure, which could contribute to a stronger bullish momentum when demand starts to creep back in. Featured image from Freepik, chart from Tradingview.com

A popular XRP community figure is making a case that the XRP Ledger is on the cusp of a transformation that would change how institutional capital works with decentralized infrastructure. The comment was based on the newly proposed AMM Swappable Curves standard, which seeks to improve XRPL’s native automated market maker beyond the existing XLS-30 design. The proposal is still at the community review and amendment stage, but it is already a major talking point among XRP supporters. XRPL’s Native AMM Could Be Set For A Major Amendment The current XRPL native AMM is based on XLS-30, which brought automated market maker functionality to the XRP Ledger and connected it directly to the network’s decentralized exchange. This allows XRPL trades to tap into AMM pools, the order book, or a mix of both, depending on where liquidity is best available. Related Reading: Dogecoin Monthly Triangle Pattern That Triggered 30,000% Parabolic Rally In 2021 Has Returned The proposed AMM Swappable Curves standard would build on that foundation by introducing a pluggable curve architecture. According to the draft posted under XRPL Standards discussion #547 on GitHub, pool creators would be able to choose the invariant function at pool creation. The initial set includes ConstantProduct, ConcentratedLiquidity, and StableSwap curves, with Smart AMM pools reserved for a later companion specification. Furthermore, the current XLS-30 model uses a single constant-product structure. Constant-product pools are useful for volatile pairs, but they spread liquidity across the full price range. The new proposal is because this is inefficient for correlated assets, especially stablecoin pairs, FX pairs, and tokenized assets that usually trade close to a narrow value range. Biggest Institutional Unlock XRP Has Ever Seen X Finance Bull described the proposed AMM Swappable Curves updates on the XRP Ledger as possibly the biggest institutional unlock XRP has ever seen, and XRPL’s native DEX is about to receive a major liquidity infrastructure upgrade.  According to him, the upgrade is comparable to the kind of innovation that helped turn Uniswap V3 into a dominant DeFi trading venue on Ethereum, but with the XRP Ledger’s advantages of burned fees, fast transaction settlement, and very low transaction cost. Related Reading: Bitcoin Price Got Rejected At The 200-MA, Why Breaking $76,000 Could Be A Problem He explained that the main reason institutions may care is execution quality. Large stablecoin swaps between RLUSD and USDC could be carried out with almost zero price impact, which is the kind of standard that banks require before moving serious volume through any venue. From here, tighter FX pair settlement and more practical RWA trading at an institutional scale could follow if liquidity becomes more efficient. X Finance Bull also pointed to the benefits for capital providers, noting that they could earn stronger returns by focusing liquidity where it matters most instead of spreading it thinly across the entire market. This will create a flywheel effect, where better pools attract more volume, higher volume attracts more liquidity providers, and better liquidity attracts larger institutions. XRPL is becoming competitive with every major DeFi venue on earth.  Featured image created with Dall.E, chart from Tradingview.com

XRP has spent the better part of 2026 grinding sideways in what looks like a coiling spring, except the spring may not be loading for an upward surge.  XRP’s four-month consolidation has trapped its price below a major resistance zone at $1.65, and according to crypto pundit CasiTrades, the clock is ticking because XRP is now exposed to one more move into lower macro support before any stronger recovery attempt begins. Four Months Of Failure At $1.65 CasiTrades’ analysis is based on XRP’s inability to break back above the upper boundary of its consolidation structure on the 4-hour candlestick chart. As shown on the chart below, XRP has spent several months moving inside a range with lower highs. That has created a compression pattern where the next decisive move could be important for the broader trend. Related Reading: Hedging With XRP: The Trillion-Dollar Push That Could Send Price Above $300 The most important level in the analysis is $1.65, because this price level has acted as the ceiling of the current structure since February, and each rejection from that area has weakened the immediate bullish case.  According to CasiTrades, the longer the XRP price fails to reclaim $1.65, the more likely it becomes that it needs one final flush into the lower macro supports. The analyst laid out the entire XRP price action since early 2026 within an Elliott Wave triangle structure with sub-impulse waves. Lower Macro Supports For XRP CasiTrades was explicit about the downside levels she is watching: $1.10 and $0.87 on Coinbase. The $1.10 area corresponds with the 0.786 Fibonacci retracement at approximately $1.0854, while the $0.87 price target aligns with the 0.854 retracement near $0.8621.  Related Reading: Key Volume Signals Are Driving XRP Momentum Amid Market Uncertainty The next confirmed support is between $1.26 and $1.30, and a break below that range could push XRP to the year-to-date low around $1.11, which will bring those deeper targets closer. Interestingly, both price targets come from the broader macro downtrend that has shaped XRP’s structure over the past several months. The projected move would also complete the corrective sub-impulse wave 5 that began in February 2026, as well as the larger corrective wave 2 that started in late 2025. This does not mean the bullish structure is fully invalidated. In fact, the pundit’s prediction appears to be that a move into macro support could become the final flush before a stronger recovery. The chart shows a large projected rebound from the lower support zone, with the XRP price eventually pushing back through $1.65 and breaking back above $2 if there’s enough bullish momentum. At the time of writing, XRP is trading at $1.32 and is currently open to any path. The first real sign of a bullish shift will be XRP reclaiming $1.65 and turning it into support. Featured image from Getty Images, chart from Tradingview.com

XRP price started a recovery wave above $1.290 and $1.2950. The price is now consolidating and might aim for a fresh move if it clears $1.3350. XRP price started a recovery wave above the $1.30 zone. The price is now trading below $1.320 and the 100-hourly Simple Moving Average. There is a bearish trend line forming with resistance at $1.3420 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could continue to move up if it settles above $1.3350. XRP Price Faces Hurdles XRP price remained supported above $1.2650 and started a recovery wave, like Bitcoin and Ethereum. The price was able to climb above $1.2880 and $1.290 to enter a short-term positive zone. The bulls pushed the price above the 50% Fib retracement level of the downward move from the $1.3638 swing high to the $1.2677 swing low. However, the bears are active near $1.3350. There is also a bearish trend line forming with resistance at $1.3420 on the hourly chart of the XRP/USD pair. The price is now trading below $1.320 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.320 level. The first major resistance is near the $1.3280 level and the 61.8% Fib retracement level of the downward move from the $1.3638 swing high to the $1.2677 swing low. A close above $1.3280 could send the price to $1.3350. The next hurdle sits at $1.3420. A clear move above the $1.3420 resistance might send the price toward the $1.3650 resistance. Any more gains might send the price toward the $1.380 resistance. Another Decline? If XRP fails to clear the $1.3350 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.30 level. The next major support is near the $1.290 level. If there is a downside break and a close below the $1.2720 level, the price might continue to decline toward $1.2650. The next major support sits near the $1.2550 zone, below which the price could continue lower toward $1.2250. Technical Indicators Hourly MACD – The MACD for XRP/USD is now losing pace in the bullish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now near the 50 level. Major Support Levels – $1.3000 and $1.2900. Major Resistance Levels – $1.3350 and $1.3420.

Ripple’s march to full banking status is one of the biggest talking points among members of the XRP community, with some analysts and enthusiasts asking whether the regulatory milestone could serve as the factor that pushes XRP into price territory it has never previously reached. The company’s balance sheet, its growing institutional presence, and XRPL-native infrastructure developments are combining to project bold predictions, including a target of $25 per coin. Ripple’s Banking Approval Is Important In December 2025, Ripple received conditional approval from the Office of the Comptroller of the Currency (OCC) for a national bank charter, which is a milestone no other crypto-native company had achieved. The charter is designed to clear the way for Ripple National Trust Bank, which will custody and manage reserves for Ripple’s RLUSD stablecoin. Related Reading: Dogecoin Monthly Triangle Pattern That Triggered 30,000% Parabolic Rally In 2021 Has Returned A viral claim on the social media platform X from XRP enthusiast account KingXRP describes Ripple as having “officially obtained a banking license,” with its valuation pushed above $120 billion. That sentencing captures the excitement around the development, but it leaves out important context. The OCC conditionally approved Ripple’s application to establish Ripple National Trust Bank. However, Ripple has also applied for a Federal Reserve master account, which would allow the trust bank to plug directly into FedWire and FedNow systems and hold dollar reserves at the central bank. That access, if granted, would place Ripple inside the core infrastructure of the US payments system. What XRP Would Need To Reach $25 Ripple’s last widely reported private valuation was around $40 billion following a $500 million strategic investment round. However, Ripple does own an estimated 42 billion XRP on its balance sheet. Around 4.5 billion to 6.4 billion XRP are held directly in company wallets, while roughly 33 billion XRP are locked in cryptographic escrow accounts. If Ripple is in possession of 40 billion XRP and the price returns to trading at $3, those holdings alone would be worth about $120 billion on paper. Related Reading: Bitcoin Price Got Rejected At The 200-MA, Why Breaking $76,000 Could Be A Problem A move to $25 would require XRP to become far more than an asset responding to headlines, and its banking approval would need to feed into a much broader adoption cycle. At a current circulating supply of about 61.9 billion XRP, a $25 price would place its market value above $1.5 trillion. According to KingXRP, if XRP moves beyond $25, Ripple’s balance sheet alone could surpass $240 billion, potentially placing the company among the top 10 banks globally. Speaking of the banking approval feeding into a broader adoption cycle, infrastructure is being built on top of the XRP Ledger. One of the more concrete developments involves RealFi Payment Solutions, which recently announced that it has officially partnered with Shopify to develop the first XRP Ledger-powered payment rewards application for global e-commerce. Featured image created with Dall.E, chart from Tradingview.com

XRP price extended losses and traded below $1.30. The price is now consolidating losses and faces hurdles near $1.30 and $1.340. XRP price started another decline and traded below the $1.30 zone. The price is now trading below $1.30 and the 100-hourly Simple Moving Average. There is a bearish trend line forming with resistance at $1.340 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could continue to move down if it stays below $1.340. XRP Price Dips Below $1.30 XRP price failed to stay above $1.340 and extended its decline, like Bitcoin and Ethereum. The price declined below $1.3250 and $1.3120 to enter a short-term bearish zone. The price even extended losses below $1.30. A low was formed at $1.2677, and the price is now consolidating losses well below the 23.6% Fib retracement level of the downward move from the $1.3638 swing high to the $1.2677 low. The price is now trading below $1.30 and the 100-hourly Simple Moving Average. If there is a fresh recovery move, the price might face resistance near the $1.290 level. The first major resistance is near the $1.30 level. The main resistance could be $1.3150 or the 50% Fib retracement level of the downward move from the $1.3638 swing high to the $1.2677 low. A close above $1.3150 could send the price to $1.3275. The next hurdle sits at $1.340. There is also a bearish trend line forming with resistance at $1.340 on the hourly chart of the XRP/USD pair. A clear move above the $1.340 resistance might send the price toward the $1.3550 resistance. Any more gains might send the price toward the $1.3750 resistance. More Losses? If XRP fails to clear the $1.3150 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.2675 level. The next major support is near the $1.2550 level. If there is a downside break and a close below the $1.2550 level, the price might continue to decline toward $1.2320. The next major support sits near the $1.220 zone, below which the price could continue lower toward $1.20. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bearish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now below the 50 level. Major Support Levels – $1.2675 and $1.2550. Major Resistance Levels – $1.3150 and $1.3400.

XRP is currently at the center of a growing debate as analysts discuss a potential move toward $100 and whether traditional market capitalization valuation models still apply. The expert argues that if XRP becomes widely used for payments and settlements, its role may shift toward financial infrastructure. In that case, the cryptocurrency’s value would depend more on network usage and transaction flow, rather than on market capitalization alone. XRP At $100 Could Happen Without A High Market Cap In an X post on May 24, crypto market expert Gina argued that XRP’s value should not be judged using traditional market capitalization models because the token is designed to serve as global financial infrastructure, not a passive store of value. According to her, XRP’s real strength does not come from its price action or total valuation, but from how frequently it can be used to move money across its network. Related Reading: Bitcoin Price Got Rejected At The 200-MA, Why Breaking $76,000 Could Be A Problem To illustrate her point, Gina used a hypothetical scenario in which XRP trades at $100 and has a circulating supply of 50 billion tokens. In that case, XRP would have a market capitalization of roughly $5 trillion, surpassing that of Bitcoin and Ethereum. While that figure may seem extremely large, Gina argued that market cap alone does not capture the total value the XRP Ledger (XRPL) processes daily. She also focused on XRP’s liquidity velocity. Gina suggested that if each XRP token were reused about 1,000 times daily for cross-border settlements, the network could theoretically support up to $5 quadrillion in transaction flows every day, all without needing a higher market cap. Based on this concept, XRP’s value as a payment and settlement tool could far exceed what market capitalization alone suggests. Put simply, a $5 trillion market cap reflects only the total paper value of XRP at a given price. It says nothing about how much money a network can actually process or move through repeated transactions, which, according to Gina, is how XRP’s real value can truly be measured. Comparing XRP Market Cap Argument With SWIFT In her post, Gina compared XRP to the global banking messaging network, SWIFT (Society for Worldwide Interbank Financial Telecommunication). She noted that, unlike cryptocurrencies, SWIFT does not have a market capitalization because it is not an investment asset. Despite that, trillions of dollars still move through its system daily.  Related Reading: American Mega Bank Is Dumping Its Ethereum Holdings, Here’s What It’s Buying Gina suggested XRP could function in a similar way by serving as a bridge asset that helps institutions settle transactions quickly across different currencies and tokenized financial products. She stressed that XRP should not be viewed in the same category as assets like gold or Bitcoin, which are often treated as long-term stores of value. Instead, she described XRP as infrastructure for a future tokenized economy. Under this framework, Gina argued that traditional market cap calculations become even less important because utility-driven networks are measured by usage and throughput. She also claimed that if XRP were ever used to power even a small portion of the global derivatives markets or institutional settlement systems, the market cap valuation model would automatically “go out the window.” Featured image created with Dall.E, chart from Tradingview.com

Crypto pundit CharuSan has again commented on his prediction that XRP could rally above $300. He addressed concerns that the token’s potential market cap makes it impossible to reach this target, highlighting why the market cap metric doesn’t affect XRP. Pundit Points To Trillion-Dollar Market That Could Push XRP Above $300 In an X post, CharuSan alluded to the $27 trillion sitting idle in global Nostro/Vostro accounts, the massive volumes in FX markets, major banks, DTCC clearing, and institutional corporations as the reason why XRP could rally above $300. He noted that, based on this, it is a necessity to prevent the system from locking up for a bridge asset carrying this volume to reach a value of $10 trillion.   Related Reading: Market Analyst Accuses XRP Of Being The Biggest Crypto Scam, What’s Going On? The pundit noted that XRP is an institutional bridge asset and a liquidity tool specifically engineered to settle large cross-border value transfers without slippage. He also mentioned that market cap is a metric for stocks, not for institutional bridge assets or liquidity tools like XRP. Charusan further explained how the market is getting it wrong by focusing on the market cap metric.  He said that traditional financiers make a mistake when they say an $8 to $10 trillion market cap is too big. CharuSan noted that market cap doesn’t mean all circulating coins will be cashed out at that current price. Instead, it is simply the unit price of the last executed transaction multiplied by the supply.  CharuSan had earlier predicted that XRP would rally to $300 as it gains adoption by banks for settling cross-border transactions. He explained that the token needs to have a high price to avoid bottlenecks or massive slippage when banks are using it for settlements. The analyst also mentioned that the CLARITY Act will boost banks’ adoption of XRP.  Why XRP Could Be Undervalued On-chain analytics platform Santiment has explained why XRP could soon see a rebound. In an X post, they noted that the average XRP trader that has been active in the past 30 days is down around 47%, with many selling at the bottom. Santiment stated that, historically, the market value-to-realized value ratio (MVRV) will always average out to 0%, making the current period an “extreme” zone for XRP.  Related Reading: XRP Primary Elliot Wave Remains Intact And It’s Pointing Above $8 Santiment noted that XRP’s 30-day MVRV has fallen to its lowest level since December 2020, suggesting that fear and frustration among traders have reached rare extremes. This has historically preceded strong rebounds, indicating that a rebound for XRP may be on the horizon. The platform added that this deeply negative MVRV zone creates conditions where even small positive catalysts can trigger strong recoveries.   At the time of writing, the XRP price is trading at around $1.32, down in the last 24 hours, according to data from CoinMarketCap. Featured image from Adobe Stock, chart from Tradingview.com

XRP price started a downside correction below the $1.350 zone. The price is now showing bearish signs and might decline further below $1.3120. XRP price started a downside correction after it failed to stay above the $1.350 zone. The price is now trading below $1.340 and the 100-hourly Simple Moving Average. There is a bearish trend line forming with resistance at $1.3580 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could continue to move down if it stays below $1.3550. XRP Price Dips Below Support XRP price struggled to stay above $1.3650 and started a fresh decline, like Bitcoin and Ethereum. The price dipped below the $1.3550 and $1.3500 levels. The price declined below $1.340. There was a clear move below the 61.8% Fib retracement level of the upward move from the $1.30 swing low to the $1.3740 high. Besides, there is a bearish trend line forming with resistance at $1.3580 on the hourly chart of the XRP/USD pair. The price is now trading below $1.340 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.3340 level. The first major resistance is near the $1.340 level, above which the price could rise and test $1.350. A clear move above the $1.350 resistance might send the price toward the $1.3580 resistance and the trend line. Any more gains might send the price toward the $1.3650 resistance. The next major hurdle for the bulls might be near $1.3740. More Downside? If XRP fails to clear the $1.340 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.3175 level. The next major support is near the $1.3125 level and the 83.2% Fib retracement level of the upward move from the $1.30 swing low to the $1.3740 high. If there is a downside break and a close below the $1.3125 level, the price might continue to decline toward $1.3020. The next major support sits near the $1.30 zone, below which the price could continue lower toward $1.2920. Any more losses might call for a test of $1.2880. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bearish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now below the 50 level. Major Support Levels – $1.3175 and $1.3125. Major Resistance Levels – $1.3400 and $1.3580.

XRP is gradually redefining how value is assessed in the crypto market, as its utility-focused narrative continues to expand beyond simple market cap comparisons. While some assets are judged primarily on speculative valuation, XRP’s role within the global payments infrastructure introduces a different framework centered on efficiency, liquidity, and real-world usage. How Institutional Payment Flows Could Shape XRP Demand XRP should be viewed less as a traditional cryptocurrency and more as a digital commodity designed to facilitate liquidity across global financial networks. According to CharuSan, market capitalization is a stock metric that fails to capture the true role of XRP as an institutional bridge asset powering global value transfer and liquidity pool. Related Reading: XRP Whales Accused Of Manipulating Liquidity In Major Market Move As adoption expands across banks, foreign exchange (FX) markets, and clearing institutions such as the Depository Trust and Clearing Corporation (DTCC), Nostro and Vostro accounts, and others, are beginning to use XRP at scale. Thus, the price will be calculated based on the supply within Ripple payments (ODL). Currently, it is being calculated through the available effective liquidity, not just the circulating supply alone. CharuSan explains that transaction velocity alone cannot replace liquidity depth, particularly when multiple institutions are processing larger simultaneous volumes of global transactions. Furthermore, velocity has limits.  Even in an optimized system, 1 XRP can realistically circulate a maximum of 10 times per day. XRP is designed for deep liquidity pools and enables high-value unit capacity, which is required to eliminate slippage and neutralize volatility risk for banks during high-value transfers. Trump’s Fintech Order Sparks New Optimism For XRP Adoption A recent fintech-focused executive order from President Donald Trump could represent a significant development for the broader digital asset industry and potentially for XRP’s long-term utility. A crypto analyst known as BankXRP on X stated that by instructing the Federal Reserve (Fed) to evaluate granting crypto firms direct access to US payment infrastructure, the policy introduces a pathway for blockchain companies like Ripple to integrate directly with the traditional financial system. Related Reading: XRP’s Recent Strategic Setup Could Mark The End For Bears – Crypto Analyst Says Thus, this administration could be transformational for Ripple, allowing it to access Fed payment rails to bypass legacy banking intermediaries entirely. For the XRP ecosystem, the result would likely be faster settlement speeds, lower institutional transaction costs, and direct access to Fed master accounts. BankXRP argues that if this review is successful, such a shift could elevate XRP’s role from a largely speculative asset to a regulated financial instrument embedded within global payment networks and a foundational pillar of international commerce. Analyst Skipper has updated that Ripple has reportedly reached a significant milestone by securing a banking license. The report suggests that the move has helped elevate Ripple’s valuation above $120 billion, reaffirming its position as a major financial infrastructure company tied to the XRP ecosystem. 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 crypto analyst has identified a mistake in XRP’s current pricing, highlighting how its low price does not reflect its true value. According to the expert, XRP at $2 suggests the market still views the third-largest cryptocurrency as a speculative asset without real growth drivers. He noted that once XRP starts being used to move value globally, its price would appreciate to reflect its real valuation, potentially pushing the cryptocurrency into the four- to five-digit range.  Analyst Calls XRP at Single-Digit Valuations A Mistake According to BarriC, a crypto market analyst on X, many investors are still treating XRP as a short-term trade instead of viewing it based on its intended purpose. The analyst called this perspective a major “mistake,” especially as XRP continues to trade around $2. BarriC explained that most retail traders remain focused on price speculation, often debating whether XRP can eventually reach targets like $3, $5, or even $10. However, the analyst believes this mindset overlooks the bigger role that it was originally designed to play within the global financial system. Related Reading: Bitcoin Price Got Rejected At The 200-MA, Why Breaking $76,000 Could Be A Problem According to him, XRP was not created to simply sit quietly on crypto exchanges while investors wait for its price to appreciate. Instead, it was built to move value quickly and efficiently across international borders. He noted that the altcoin was also designed to transfer money between institutions and within the global financial system. The asset was developed as part of a broad payment network, Ripple, aimed at improving global money transfers and liquidity movement. With its use cases and core value drivers now clearly laid out, BarriC argued that the real question is no longer whether XRP can climb from $2 to $5, calling such price targets “retail thinking.” Instead, he said that investors should focus on what could happen once XRP stops being treated mainly as a speculative trade and begins operating as part of the global financial infrastructure. According to BarriC, that shift is what could completely transform the conversation and narrative around XRP’s valuation and long-term pricing.  $10,000 Linked To Role As Global Financial Rail In his X post, BarriC noted that once XRP becomes a globally recognized and widely adopted financial rail, a $100 price target automatically “stops sounding crazy.” He added that even discussions about a possible move toward $1,000 could begin to spread across the market, largely due to the demand, liquidity, and transaction volume that could follow broader institutional and global adoption. Related Reading: American Mega Bank Is Dumping Its Ethereum Holdings, Here’s What It’s Buying Taking the projection even further, the analyst believes that XRP could eventually enter the five-figure territory, forecasting a potential rally to $10,000. He said that such an ambitious move would be driven less by market hype and more by XRP’s role in liquidity provision, cross-border settlement, and its global scale.  BarriC concluded his analysis by noting that many people in the crypto market are still debating the wrong valuation range for XRP. He said that they still view cryptocurrency through the speculative lens of today’s market. However, he said his outlook is different and is based on the idea that XRP was built for a future financial system.  Featured image created with Dall.E, chart from Tradingview.com

XRP price started a downside correction from the $1.3740 zone. The price is now consolidating and might aim for another increase if it stays above the $1.320 zone. XRP price started a downside correction after it failed to stay above the $1.3620 zone. The price is now trading below $1.3580 and the 100-hourly Simple Moving Average. There is a bearish trend line forming with resistance at $1.360 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could start a fresh increase if it settles above $1.3620. XRP Price Holds Support XRP price struggled to stay above $1.3720 and started a fresh decline, like Bitcoin and Ethereum. The price dipped below the $1.3620 and $1.3600 levels. The price declined below $1.3550 and even spiked below the 50% Fib retracement level of the upward move from the $1.30 swing low to the $1.3740 high. Besides, there is a bearish trend line forming with resistance at $1.360 on the hourly chart of the XRP/USD pair. The price is now trading below $1.3520 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.350 level. The first major resistance is near the $1.3560 level, above which the price could rise and test $1.360. A clear move above the $1.360 resistance might send the price toward the $1.3720 resistance. Any more gains might send the price toward the $1.3750 resistance. The next major hurdle for the bulls might be near $1.380. Downside Extension? If XRP fails to clear the $1.360 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.330 level. The next major support is near the $1.3280 level and the 61.8% Fib retracement level of the upward move from the $1.30 swing low to the $1.3740 high. If there is a downside break and a close below the $1.3280 level, the price might continue to decline toward $1.3175. The next major support sits near the $1.3120 zone, below which the price could continue lower toward $1.3050. Any more losses might call for a test of $1.30. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bearish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now below the 50 level. Major Support Levels – $1.3280 and $1.3120. Major Resistance Levels – $1.3550 and $1.3750.

XRP could climb as high as $20 if a breakout pattern from 2018 repeats itself, according to pseudonymous Korean financial analyst Ninedex. That scenario, while not his main call, hinges on the token breaking out of the upper edge of a channel structure that has shaped its price movement for over a decade. Related Reading: History Shows Bitcoin ETF Outflows Favor Accumulation, Says Santiment The Long Road From $1.34 XRP is currently trading around $1.34, down nearly 13% from its May 14 high of $1.54. Despite the pullback, Ninedex argues the token is still holding a key support zone within what he describes as a multi-year ascending channel — one that has guided XRP since it began trading in 2013. Based on his analysis, that support sits just above the lower boundary of the channel’s middle layer and aligns with the Fibonacci 0.382 level, which corresponds to the $1.40 price area. The zone was built over an extended period between 2022 and 2024, which is why he considers it one of the strongest long-term support levels in XRP’s history. XRP spent its early years in the lower section of that channel before a broad crypto rally in early 2017 pushed it into the middle range. It briefly entered the upper channel in January 2018 when prices surged above $3, but a sharp correction followed and pulled it back into the middle layer. Ninedex says the token has stayed there for the past eight years, and its ability to hold that zone is what keeps it among the major assets in the market rather than slipping back to minor status. 26.05.25 리플 코인 분석. 리플 주봉을 분석해보겠습니다. 리플의 경우 철저히 자본팽창을 추종하며, 연성장 32%의 기울기를 가지고 있으며, 14년~16년이후 소형알트에서 메이저 알트가 되며, 채널이 한 계단 상승하였습니다. (옥석이 가려진 몇몇 소형 알트들의 미래라고 생각함.) 이후 메이저… pic.twitter.com/ODn6aHmI8d — 줄쟁이 (@ninedex23) May 24, 2026 The transition from a small altcoin to a top-tier asset happened precisely because XRP moved up a layer in the channel during that 2017 cycle, he argues. Technicals Back The Bullish Read Ninedex pointed to two technical signals that support his outlook. The weekly stochastic indicator has bounced from 15 points to 20 points — a level he says has historically marked one of XRP’s rare oversold conditions. Related Reading: Bitcoin Bull Thesis Goes Big: 39 Trillion Reasons To Buy, Says Gemini Founder The MACD, meanwhile, has formed a golden cross on its EMA lines, with the oscillator moving back into positive territory, which he reads as a sign that market momentum is turning upward. His primary target is $5, reachable if XRP climbs toward the upper boundary of the middle channel. But he also noted that XRP’s history of sharp rallies and its large community base could push prices well beyond typical expectations — and if it breaks into the upper channel again, $20 becomes the figure he has in mind. Featured image from Unsplash, chart from TradingView

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

XRP price started a downside correction from the $1.3750 zone. The price is now consolidating and might aim for another increase if it stays above the $1.3280 zone. XRP price started a downside correction after it failed to stay above the $1.3720 zone. The price is now trading above $1.350 and the 100-hourly Simple Moving Average. There is a bearish trend line forming with resistance at $1.3650 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could start a fresh increase if it settles above $1.3750. XRP Price Holds Support XRP price started a decent upward move above $1.3250 and $1.3280, outperforming Bitcoin and Ethereum. The price gained pace for a clear move above the $1.370 resistance. A high was formed at $1.3741, and the price started a downside correction. There was a move below $1.3450 and $1.3420. The price dipped below the 50% Fib retracement level of the upward move from the $1.3001 swing low to the $1.3741 high. The price is now trading above $1.350 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.3650 level. There is also a bearish trend line forming with resistance at $1.3650 on the hourly chart of the XRP/USD pair. The first major resistance is near the $1.3740 level, above which the price could rise and test $1.3880. A clear move above the $1.3880 resistance might send the price toward the $1.40 resistance. Any more gains might send the price toward the $1.420 resistance. The next major hurdle for the bulls might be near $1.450. Downside Extension? If XRP fails to clear the $1.3740 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.3370 level. The next major support is near the $1.3280 level and the 61.8% Fib retracement level of the upward move from the $1.3001 swing low to the $1.3741 high. If there is a downside break and a close below the $1.3280 level, the price might continue to decline toward $1.3175. The next major support sits near the $1.3120 zone, below which the price could continue lower toward $1.3050. Any more losses might call for a test of $1.30. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bullish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now above the 50 level. Major Support Levels – $1.3370 and $1.3280. Major Resistance Levels – $1.3650 and $1.3740.

XRP is trading through another rough stretch alongside the wider crypto market, but the story beneath the price chart is not as quiet as the red candles show.  The entire crypto market has been down by over 5% in the past seven days, and the XRP price has also struggled to hold momentum, but the latest volume updates show that traders, large holders, ETF investors, and XRP Ledger users are still active. Related Reading: New Bitcoin Lows? Analysts Say Chances Are ‘Extremely Slim’ Major XRP Volume Updates The first major volume update is tied to XRP’s largest holders. Data shared by crypto analyst Ali Martinez shows that large wallet holders accumulated 71 million XRP over seven days, even as the token remained under pressure. XRP was down nearly 5% over the week and traded around $1.36 at the time the analyst shared the data, showing that the buying came during a weak and volatile stretch for the asset. This is important because whale accumulation changes the tone of the selloff. It shows that the market crash is not only producing fear-based selling, but it is also creating a trend where larger wallets are increasing exposure while weaker hands are selling. The price has not yet reflected that buying in a major way, but the behavior is still worth watching. XRP Ledger payment activity has also strengthened notably during the latest stretch of the market downturn. The number of payments from one account to another climbed from below the 1 million count earlier in the week to 1.22 million payments by May 22. Number Of XRP Payments. Source: XRPScan The rise was not limited to transaction count alone. XRP payment volume also increased from levels near 200 million XRP around May 16 and May 17 to more than 400 million XRP by May 18. The figure stayed elevated through the following days and was still above the 400 million XRP region by May 22. That means more payments were being processed, and a larger amount of XRP was also moving between accounts. XRP Payments Volume. Source: XRPScan ETF Inflows Add A Different Kind Of Volume Another important volume signal is coming from the ETF market. Data from SoSoValue shows that XRP-linked ETF products recorded more than $65 million in weekly inflows last week. This week’s flow also came up to a positive $22.04 million with net inflows everyday, even as the broader crypto market was under pressure. The inflows into Spot XRP ETFs have significance because ETF inflows are a different kind of demand from regular exchange trading. Spot and futures volume can be based on short-term trades and leverage trading, but ETF inflows are investors taking exposure through more structured investment vehicles. Related Reading: XRP May Be Headed For A Stunning Year-End Surge, This CEO Says The timing also matters. XRP ETF flows are coming in while the price is under pressure, meaning ETF buyers are not waiting for a price breakout. This creates a quiet support layer in the background, even if it has not been strong enough to overpower the wider market downtrend yet. Featured image from Pixabay, chart from TradingView

XRP is trading in one of its most important technical zones of the year, with a new two-week chart analysis arguing that the larger Elliott Wave structure has not broken down.  The setup, which was shared by crypto analyst Dark Defender, places XRP near the end of a narrowing resistance and support apex, where the next major move could decide whether the cryptocurrency will still be trapped below short-term resistance or beg a stronger upward rally to defined resistance levels. XRP’s Elliott Wave Count Still Points To A Larger Bullish Structure Dark Defender’s analysis is built around the view that XRP’s primary Elliott Wave structure is still intact on the two-week candlestick timeframe chart. The chart shows XRP moving through a larger five-wave sequence, with the current price action around the end of Wave 4.  Related Reading: Analyst Says Solana And XRP Investors Are In Trouble, What’s Going On? According to Elliott Wave theory, Wave 4 is the second corrective phase in a five-wave impulse that comes before the final Wave 5 expansion, provided the entire impulse structure is not invalidated by a breakdown. As shown in the chart below, XRP is being squeezed between a descending orange resistance line and a rising blue support line. The XRP price touched the blue support line in March and has created a few bullish 2-week candlesticks since then. The current candlestick touched the descending orange resistance line again, and this shows that XRP is running out of space to continue consolidating. The analyst highlighted support between $1.36 and $1.31. That range is important because XRP is already trading around $1.36, meaning the price action is testing the lower part of the setup in real time.  A clean hold above this zone would keep the bullish wave count alive, while a loss of the area would discredit the possibility that the current structure is still preparing for a Wave 5 move. Fibonacci Price Levels To $8 The most important short-term battle is around the orange resistance line. Dark Defender said XRP will break that orange resistance and deliver a strong, strong run through the end of May. Since the rejection at $3.65 in July 2025, XRP has formed lower highs under that descending trendline, which is now around $1.47. Related Reading: Here’s How XRP Is Making Its Next Major Push Into The Trillion-Dollar Wall Street The projected path on the chart shows XRP breaking above $1.47 and then extending into the higher Fibonacci extensions. The first notable extension is a 161.80% extension at $1.8818. The 361.80% extension, a Fibonacci level associated with extended Wave 3 and Wave 5 completions in strong impulsive structures, maps to $3.5632. It is the 644.40% extension, however, that anchors the full bullish prediction of $8.7822, which is labeled as the Wave 5 target. Featured image from Sketchfab, chart from Tradingview.com

Goldman Sachs has quietly stepped out of its XRP ETF exposure, bringing a position once valued around $154 million down to zero in the first quarter of 2026. The move has quickly become a talking point across the XRP community because Goldman Sachs was previously one of the largest disclosed institutional holders of XRP-linked ETF products. However, the more interesting part of the story may not be the exit itself. The more interesting part is what happened around the market while that exit was being absorbed. Goldman Sachs Cuts XRP ETF Exposure To Zero Goldman Sachs entered the XRP ETF market in late 2025 with more conviction than any other institution on Wall Street. By the end of Q4 2025, the bank had accumulated about $154 million in XRP ETF exposure spread across products from Bitwise, Grayscale, Franklin Templeton, and 21Shares, making it the holder of nearly 73% of all known institutional XRP ETF investments at the time. Related Reading: The Last Time Bitcoin Printed This Ugly Candle, It Tanked; Now It Has Returned However, Goldman Sachs’ latest Form 13F filing showed no XRP-linked ETF holdings at the end of the first quarter of 2026. The filing, which was submitted to the SEC in the middle of May, shows that the XRP liquidation was one piece of an entire portfolio reset. Goldman also closed out its Solana ETF exposure, reduced its Ethereum ETF holdings by about 70%, and trimmed part of its Bitcoin ETF exposure, although it still maintained a much larger Bitcoin ETF position near $700 million. The Market Absorbed The Sale Without Breaking An XRP commentator known as X Finance Bull on the social media platform X pointed out that the real signal was not Goldman’s exit, but the ETF market’s reaction to it. The point was that if Goldman sold its entire $154 million XRP ETF position and XRP ETFs still recorded $60.5 million in weekly net inflows the week the news came out, then demand from other buyers had to be strong enough to absorb the sale and still leave the market positive. Related Reading: Analyst Says Roadmap For Bitcoin To Reach $500,000 Is Complete, Here’s Why A large institution exited, but the product did not suffer a visible collapse in flow momentum. Instead, Spot XRP ETFs recorded their strongest weekly inflow since January, with cumulative inflows reaching about $1.39 billion. Assuming the full selloff happened in the same week XRP ETFs still posted net inflows, total buying demand would have had to exceed $214 million to absorb Goldman’s $154 million exit and still leave the market positive. This is why the sale may be more complicated than a bearish headline shows. A big exit only becomes damaging if there is not enough demand on the other side. However, in this case, the Goldman’s selling pressure was not only absorbed but also overtaken by new buying. This points to sustained demand for XRP and gives holders a stronger reason to remain confident in their positions despite Goldman’s exit. Featured image created with Dall.E, chart from Tradingview.com

XRP price started a recovery wave above $1.3620 and $1.3650. The price is now consolidating and might aim for a fresh move if it clears $1.3840. XRP price started a recovery wave above the $1.3640 zone. The price is now trading below $1.3820 and the 100-hourly Simple Moving Average. There is a contracting triangle forming with resistance at $1.380 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could continue to move up if it settles above $1.3840. XRP Price Eyes Fresh Gains XRP price remained supported above $1.350 and started a recovery wave, like Bitcoin and Ethereum. The price was able to climb above $1.3580 and $1.3620 to enter a short-term positive zone. However, the price is still below $1.3850 and the 23.6% Fib retracement level of the downward move from the $1.5495 swing high to the $1.3465 swing low. There is also a contracting triangle forming with resistance at $1.380 on the hourly chart of the XRP/USD pair. The price is now trading below $1.3750 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.3780 level. The first major resistance is near the $1.380 level. A close above $1.380 could send the price to $1.3840. The next hurdle sits at $1.3940. A clear move above the $1.3940 resistance might send the price toward the $1.420 resistance. Any more gains might send the price toward the $1.4480 resistance or the 50% Fib retracement level of the downward move from the $1.5495 swing high to the $1.3465 swing low. Another Decline? If XRP fails to clear the $1.3840 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.360 level. The next major support is near the $1.3580 level. If there is a downside break and a close below the $1.3580 level, the price might continue to decline toward $1.340. The next major support sits near the $1.3380 zone, below which the price could continue lower toward $1.3250. Technical Indicators Hourly MACD – The MACD for XRP/USD is now losing pace in the bullish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now above the 50 level. Major Support Levels – $1.3600 and $1.3580. Major Resistance Levels – $1.3840 and $1.3940.

XRP needs to push past $1.51 before any real breakout becomes possible, according to market commentator Matt Hughes — and one analyst thinks that moment could arrive this week, but not before the market knocks out the weakest holders first. A Pattern Years In The Making MichaelXBT, a widely followed crypto analyst, says XRP has spent months forming a falling wedge on its weekly chart — a structure that typically points toward an upside move once price breaks above the upper boundary. Related Reading: Zcash Soars 88% In 30 Days: Is ZEC The Stealth Winner Of This Crypto Cycle? The coin has been trapped in this pattern since July 2025, when it peaked at $3.66. Since then it has shed about 60%, landing near $1.37 amid a broader market selloff that took hold in October of that year. The upper boundary of the wedge stopped XRP cold multiple times. Attempts near $3 in late 2025 failed. A January 2026 push stalled at $2.41. Now, with price pressing into the narrowest part of the structure, MichaelXBT believes the next move – the “shakeout” – is close. XRP will shake you out this week. Then the breakout will begin. This is by design. They want the masses out. pic.twitter.com/wjtT3JRxDL — Crypto Michael (@MichaelXBT) May 20, 2026 What A Falling Wedge Signals A falling wedge forms when price slides between two downward-sloping lines that gradually narrow. Selling pressure tends to weaken as the pattern develops. When price finally breaks above the upper line, it often triggers a sharp move to the upside. That upper line currently sits around the $1.50 to $1.51 price range for XRP — a level Hughes described as the threshold the asset must clear before a breakout can be confirmed. XRP has not managed a clean close above that area. The pattern, by itself, does not guarantee a rally. But analysts who track this structure say the position of price at the apex — the tip of the wedge — tends to force a decision in one direction or the other. The Shakeout Before The Move MichaelXBT’s warning is less about the breakout itself and more about what happens right before it. He says the market is likely to push XRP lower first, flushing out holders who lack conviction. That kind of move, in his view, is deliberate — designed to clear retail investors before the main move begins. Other analysts raised a similar concern in March, arguing that the next major price action could break the resolve of most ordinary XRP buyers. Related Reading: Crypto Access To Banks In Focus After Trump’s New Executive Order Whether that shakeout plays out as predicted this week is anyone’s guess. For now, XRP sits at a crossroads, pressed against a structure that has been building for nearly a year. Featured image from Unsplash, chart from TradingView

XRP price started a recovery wave above $1.360 and $1.3620. The price is now consolidating and might aim for a fresh move if it clears $1.3940. XRP price started a recovery wave above the $1.3620 zone. The price is now trading below $1.3850 and the 100-hourly Simple Moving Average. There was a break above a declining channel with resistance at $1.380 on the hourly chart of the XRP/USD pair (data source from Kraken). The pair could continue to move up if it settles above $1.3940. XRP Price Eyes Recovery XRP price remained supported above $1.3450 and started a recovery wave, like Bitcoin and Ethereum. The price was able to climb above $1.3550 and $1.360 to enter a short-term positive zone. More importantly, there was a break above a declining channel with resistance at $1.380 on the hourly chart of the XRP/USD pair. However, the bears could be active near the $1.3820 zone and the 23.6% Fib retracement level of the downward move from the $1.5495 swing high to the $1.3465 swing low. The price is now trading below $1.3850 and the 100-hourly Simple Moving Average. If there is a fresh upward move, the price might face resistance near the $1.3850 level. The first major resistance is near the $1.3940 level. A close above $1.3940 could send the price to $1.420. The next hurdle sits at $1.4720 or the 61.8% Fib retracement level of the downward move from the $1.5495 swing high to the $1.3465 swing low. A clear move above the $1.4720 resistance might send the price toward the $1.50 resistance. Any more gains might send the price toward the $1.520 resistance. Another Drop? If XRP fails to clear the $1.3940 resistance zone, it could start a fresh decline. Initial support on the downside is near the $1.3620 level. The next major support is near the $1.3550 level. If there is a downside break and a close below the $1.3550 level, the price might continue to decline toward $1.3450. The next major support sits near the $1.3350 zone, below which the price could continue lower toward $1.320. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bullish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now above the 50 level. Major Support Levels – $1.3620 and $1.3450. Major Resistance Levels – $1.3850 and $1.3940.

XRP’s supply mechanism is one of the most controversial talking points in the crypto market. XRP exchange reserves have been falling for months, and the on-chain numbers are glaring. Now, a crypto pundit on X is connecting that structural shift to a chain of events that could send the XRP price into territory the market has never seen. XRP Supply Shock Could Push Exchanges Into A Liquidity Crisis A crypto pundit known as DelCrxpto has added an interesting angle to a scenario where XRP demand overwhelms available exchange supply and forces a new liquidity structure around Ripple’s XRP reserves. Whenever demand rises faster than available supply, price must adjust. XRP could eventually reach a point where exchanges struggle to source enough spot supply to meet demand from buyers, institutions, and liquidity providers. Related Reading: Trillion-Dollar Italian Bank Moves To XRP, But How Much Have They Bought? The pundit predicted that exchanges will eventually run out of XRP supply, demand will explode, and the entire XRP supply ecosystem could even face the risk of freezing. However, he believes such a squeeze would not only affect price but also force the market to create new liquidity channels from derivative contracts. Interestingly, the pundit also predicted that Ripple will step in by deploying portions of its XRP reserve as a liquidity pool and issuing XRP derivative contracts to exchanges. These exchanges would then sell the contracts at market price, allowing Ripple to earn yield from the structure. What’s Going On With The Supply? The current XRP circulating supply shows why the idea of exchanges completely running out of XRP should be treated carefully. At the time of writing, CoinMarketCap puts XRP’s circulating supply at about 61.82 billion XRP. However, the most important question is not how much XRP exists in circulation, but how much of that supply is actually liquid and available for immediate sale on exchanges. Recent on-chain data has started to strengthen the argument that XRP’s liquid supply may be tightening. For instance, the amount of XRP held on Binance has reportedly fallen from about 3.05 billion tokens to below 2.75 billion in less than a year, putting the exchange’s XRP reserves near multi-year lows.  Related Reading: What’s Going On With Ethereum And Why Is Price Moving This Way? The drop in wallet balance of XRP has also coincided with a rise in XRP holders. Wallet addresses holding at least 10,000 XRP have reached a new all-time high of 332,000 wallets, showing that larger holders are still building positions despite XRP’s volatile price action.  Another important signal is coming from whale exchange activity. Data has shown that XRP’s biggest holders have slowed the rate at which they send tokens to crypto exchanges. The 30-day cumulative whale inflow indicator has fallen below 736 million XRP, its lowest level since November 2021.  Featured image created with Dall.E, 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