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$XRP Ripple took the crypto world by storm when it launched RLUSD in 2024. CryptoSensei (@Crypt0Senseii), a well-known crypto commentator, has weighed in on this major move for the company over a year later.
He explained in a recent video that the stablecoin addresses a critical need for institutions seeking clarity and reliability in digital transactions. His analysis highlights why this step complements XRP’s broader role in the financial ecosystem.

💥Meeting Institutional Requirements
According to CryptoSensei, “some institutions are going to want a stablecoin over a crypto asset.” RLUSD provides a regulated, transparent option for banks and other financial players.
While XRP continues to face approval processes in certain jurisdictions, stablecoins like RLUSD allow Ripple to engage directly with banks. This ensures that digital dollars can move efficiently within the financial system now, without waiting for broader crypto regulations to settle.
The introduction of RLUSD demonstrates Ripple’s capacity to adapt. Over a decade ago, stablecoins were largely experimental. CryptoSensei notes that Tether (USDT), the largest stablecoin today, was launched in 2015.
Ripple recognized the potential for stablecoins early and created RLUSD to meet both current and future demands. This positions the company to scale alongside institutional needs while maintaining its commitment to XRP.
💥Expanding Ripple’s Reach
Ripple’s strategy with RLUSD does not replace XRP. Instead, it enhances the asset’s versatility. CryptoSensei emphasized that Ripple “is always going to expand and grow their business as the market changes and grows.” By providing multiple options, Ripple ensures that banks and other financial institutions have the tools they need to integrate digital assets into their operations efficiently.
Stablecoins like RLUSD offer clarity that some crypto assets do not yet provide. This allows Ripple to solidify partnerships and expand its operational footprint, preparing the ground for XRP to play a more central role once regulatory approvals advance. RLUSD acts as a bridge, enabling immediate adoption while XRP remains the underlying asset poised for future integration.
💥Reinforcing XRP’s Importance
RLUSD also strengthens XRP’s positioning as a foundational asset within Ripple’s ecosystem. CryptoSensei highlighted that the stablecoin is not intended to outpace XRP. The stablecoin complements XRP by providing a practical solution for transactions that require immediate regulatory clarity while keeping XRP at the center of strategic growth.
Ripple’s dual approach shows foresight. RLUSD addresses short-term operational requirements, while XRP remains ready to capture long-term value. This combination ensures Ripple can meet institutional demand today and maintain XRP’s relevance as a primary digital asset in the evolving financial landscape.

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$BTC Wells Fargo estimates up to $150 billion in U.S. tax refunds could add fresh liquidity and lift retail buying. Analysts say the setup has historically supported BTC and broader crypto activity.
💥 Bitcoin (BTC) is back in focus as Wells Fargo puts a number on seasonal liquidity that could hit markets soon. As Coin Bureau reported, up to $150 billion in U.S. tax refunds could land in consumers' hands, adding fuel to retail buying across risk assets. Analysts flagged the potential return of a "YOLO" market environment, one they say has historically been a tailwind for BTC and crypto.
💥 The refund figure is framed as a potential catalyst, not a guarantee. Scale and timing both matter here. The broader context also matters: the discussion around bitcoin price lagging global liquidity growth shows how liquidity narratives can shape crypto expectations even when price action stays flat.

💥 The "YOLO" narrative doesn't exist in isolation. It connects to a wider picture of risk appetite shaped by monetary and cash-flow signals. Markets that are sensitive to liquidity conditions tend to respond quickly when those conditions turn supportive. The same logic applies when risk appetite is supported by falling yields, as capital naturally looks for higher-volatility assets to rotate into.
💥 If the $150 billion refund projection holds and translates into real buying, short-term market tone could shift quickly, lifting participation and volatility across speculative assets. What makes the Wells Fargo estimate significant is not just the size of the potential liquidity pool but the timing. It could coincide with broader sentiment shifts, keeping BTC positioned as the clearest barometer for whether retail risk appetite is actually coming back.

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$ETH Ethereum stablecoin transfer volume reached an all-time high as transaction fees dropped to historic lows. The data highlights a growing gap between ETH price performance and network activity.
💥 Ethereum (ETH) network metrics strengthened significantly as usage surged while costs declined. Quarterly stablecoin transfer volume exceeded $7.5 trillion at the same time average transaction fees fell below $1. The development marks one of the clearest divergences between price performance and network fundamentals in the current crypto cycle.

💥 The chart shows a persistent rise in value transferred across Ethereum, accelerating into the latest period where activity hit record territory. At the same time, transaction fees kept trending downward after earlier peaks, meaning more value is moving through the network at lower cost. This dynamic reflects record stablecoin growth on Ethereum occurring simultaneously with declining transaction expenses.
More value is moving through the network at a lower cost than ever before.
💥 The contrast becomes more visible when comparing usage to market behavior. While ETH price performance has stayed relatively muted, blockchain utilization keeps expanding, supported by Ethereum attracting stablecoin inflows and persistently falling Ethereum network fees. The data points to increasing settlement activity rather than speculative spikes.
💥 The coexistence of rising adoption and decreasing transaction costs underscores a phase where valuation and underlying activity move in different directions. If network usage keeps expanding while costs stay low, market dynamics around Ethereum may increasingly be shaped by fundamental adoption metrics rather than short-term price swings.

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$XRP Arizona’s proposed Senate Bill SB1649 has advanced after clearing the Senate Finance Committee, moving the state closer to establishing a digital asset reserve fund that includes XRP.
Earlier this week, Arizona’s Senate Finance Committee cleared the bill, pushing forward legislation that would create a Digital Assets Strategic Reserve Fund.
Notably, the bill explicitly names XRP among the qualifying digital assets eligible for inclusion in the reserve. Although SB1649 has not yet been enacted, its progress signals rising institutional recognition of XRP at the U.S. state government level.
💥Key Points
Arizona moved closer to launching a digital asset reserve fund featuring XRP after a bill advanced in the Senate Finance Committee.
Lawmakers approved the measure this week in a 4–2 vote.
The proposed reserve would include digital assets seized or surrendered to the state.
The bill must still pass additional legislative stages before it can become law.
💥XRP-Inclusive Digital Asset Reserve Bill Advances in Arizona
On February 16, SB1649 passed the Arizona Senate Finance Committee by a 4–2 vote, advancing the proposal to create the reserve fund.

The bill authorizes the state treasurer to hold, invest, and securely custody digital assets, including assets seized or surrendered to the state. In addition, it permits the use of advanced custody solutions and regulated exchange-traded products to manage and safeguard these holdings.
Notably, the legislation explicitly includes XRP, alongside other digital assets, on the list of eligible assets. The direct mention of XRP signals Arizona lawmakers’ recognition of the token’s utility, network strength, and long-term viability.
💥Next Steps
Although the Senate Committee advanced the bill, lawmakers must still complete several steps before it becomes law. Next, SB1649 will move to the formal floor process in its chamber of origin. The bill will undergo review by the Rules Committee, proceed through party caucus discussions, and then face debate and votes before the full Arizona Senate.
While the bill still faces additional legislative hurdles, its committee approval already positions Arizona as a major U.S. state exploring strategic digital asset reserves, with XRP firmly included in that conversation.
The initiative aligns with the U.S. federal government’s effort to establish a national digital asset reserve that could hold XRP and other altcoins.
💥Its Significance
Meanwhile, the development has drawn praise from the XRP community, as the bill’s language highlights increasing institutional validation. Moreover, it represents a meaningful step toward mainstream governmental acceptance of digital assets, particularly XRP.
As a result, XRP’s potential role within institutional-grade financial infrastructure continues to expand, potentially paving the way for broader public-sector adoption.
In the meantime, market participants are closely monitoring the bill’s progress, as its passage could make Arizona the first U.S. state to establish a digital asset reserve featuring XRP.

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$XRP Crypto analyst XRP Captain has shared a bold outlook on the XRP/BTC trading pair, stating that the chart “suggests 10X incoming sooner than you think.”
The comment accompanied a monthly chart from Binance showing XRP priced against Bitcoin, highlighting what the analyst appears to interpret as the early stages of a major breakout.
The chart spans more than a decade of price action, from 2014 through early 2026. It captures multiple historical cycles in which XRP significantly outperformed Bitcoin, particularly during the 2017–2018 period. XRP Captain’s focus appears to center on the current structure forming after a prolonged consolidation phase that followed the previous cycle highs.

In the chart he posted, XRP/BTC is shown trading around 0.00002181 BTC, reflecting a monthly gain of approximately 1.73% at the time of capture. The most recent candles display a sharp upward move, with a large vertical expansion to the upside, suggesting a breakout from a long-standing range. Highlighted zones on the chart mark prior accumulation phases before earlier rallies, drawing a visual comparison to the present structure.
The implication in XRP Captain’s statement is that XRP may be preparing for another period of strong relative performance against Bitcoin. By referencing a potential “10X incoming,” the analyst is suggesting that XRP could appreciate tenfold relative to BTC if historical patterns repeat.
💥Historical Cycles and Accumulation Zones
A central element of the chart is the comparison between past consolidation phases and the current setup. The highlighted regions in 2016 and again in the mid-2020s indicate extended periods of sideways movement before substantial upward expansions. In the earlier cycle, XRP moved sharply higher against Bitcoin after months of compression, ultimately reaching significantly higher relative valuations.
By drawing attention to a similar structure forming now, XRP Captain appears to suggest that the market may be repeating a familiar pattern. The monthly timeframe reinforces the long-term nature of the analysis, implying that any projected move would unfold over an extended period rather than through short-term volatility.
💥Community Reactions Emphasize Confirmation and Strength
Several responses to the post added further perspective. HASH 256 commented that “a base is forming, but 10x requires sustained relative strength,” emphasizing the need for continued momentum before projecting large targets.
HASH 256’s remark suggests that while the structural setup may be constructive, confirmation through consistent outperformance against Bitcoin would be necessary.
X Finance Bull Academy noted that “XRP/BTC finally woke up” and added that if the breakout holds, “the chart gets fun.” This reaction aligns with the view that the recent move marks a shift after a prolonged period of underperformance. The key condition mentioned is whether the breakout level can be maintained on higher time frames.
XRP Captain’s post primarily highlights the technical structure visible on the monthly timeframe. The chart shows extended consolidation following prior peaks, followed by a sharp upward expansion in the latest candles. Whether the projected magnitude of XRP Captain’s post materializes will depend on sustained follow-through in the XRP/BTC pair.
For now, the chart shared by XRP Captain underscores a renewed focus on XRP’s performance relative to Bitcoin, with market participants closely monitoring whether the breakout develops into a broader trend.

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$XRP Crypto enthusiast and developer Bird has published a tweet suggesting that Bitcoin dominance may be on the verge of a significant decline, a development he believes could trigger a broader altcoin rally, including a major upward move for XRP.
Accompanying his statement was a chart illustrating Bitcoin dominance on the four-hour timeframe, showing what he identifies as a wedge formation that has now broken to the downside.
In his post, Bird wrote, “GUYS, I THINK IT’S GONNA’ HAPPEN?” He stated that Bitcoin dominance “has broken below this wedge and back tested,” indicating that the technical structure he had been monitoring appears to have confirmed a breakdown.

According to the chart he shared, Bitcoin dominance had been compressing within converging trendlines for several months before recently moving beneath the lower boundary of the formation. The visual also highlights a projected downward path, with a marked target area significantly below current levels.
Bird argued that this development could precede what he described as “a huge collapse,” referring specifically to Bitcoin’s share of the total cryptocurrency market capitalization. He suggested that such a decline in dominance would create favorable conditions for altcoins to outperform. In his words, “The next move could be a huge collapse, starting Alt Season & XRP’s leg to $27.” He concluded the tweet by stating, “I AM BULLISH.”
💥Market Sentiment and Community Reactions
Bird’s analysis places considerable emphasis on current market sentiment. By stating that he sees this setup forming “whilst the sentiment is on the floor,” he implied that widespread pessimism may be aligning with a technical inflection point.
Historically, periods of low confidence have sometimes preceded strong recoveries in risk assets, and Bird appears to interpret the present condition in that context.
The tweet generated immediate reactions from members of the XRP community. A user identified as SlimandBuddy responded by calling for XRP to decouple from Bitcoin’s influence.
“WE MUST DECOUPLE FROM BITCOIN, BECAUSE IT’S THE SEA AND XRP IS JUST A BOAT RIGHT NOW,” the commenter wrote, adding that Bitcoin should not control the entire market. The user further stated that a move above $2 for XRP would restore bullish momentum.
Another user, Crypto Prachit, strongly agreed with Bird’s outlook. In response, he wrote that a break in Bitcoin dominance “could be HUGE for alts,” adding that XRP reaching $27 “sounds like a party.” He also suggested that low sentiment and shaken-out positions could create conditions for a substantial altcoin rally.
Bird’s projection centers on the idea that a confirmed breakdown in Bitcoin dominance would redirect capital into alternative digital assets. While the outcome remains uncertain, his analysis underscores the close attention many traders are paying to dominance metrics as a leading indicator for the general market rotation.

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$XRP Jake Claver, CEO of Digital Ascension Group, has explained how wealthy investors use assets like XRP not for sale, but as collateral to unlock liquidity while preserving long-term upside.
In a recent post on X, Claver stated: “The wealthy don’t usually sell their assets; they borrow against them instead.”
He argued that the same strategy commonly used with real estate and equities can also apply to digital assets such as Bitcoin and XRP.
💥Key Points
Wealthy investors use XRP as collateral to unlock cash without selling and losing future upside.
Borrowing against crypto avoids taxes and keeps investors exposed to potential price gains.
Clear exit strategies and planning matter more than market timing for lasting financial freedom.
Proper business and trust structures help XRP wealth grow efficiently across generations.
💥Using XRP Without Selling It
According to Claver, selling crypto often triggers significant tax consequences and removes investors from future upside. Instead, he says XRP holders can use their tokens as collateral for loans, allowing them to access cash while retaining their XRP exposure.
“If you need cash for something, you don’t necessarily need to sell your XRP,” Claver explained. He added that his firm has established partnerships with lenders that offer XRP-backed loans. These arrangements allow investors to maintain their position while securing liquidity.
He describes this as a stage where investors avoid capital gains taxes by borrowing instead of selling, while still benefiting if XRP prices rise.

💥Exit Planning and Emotional Discipline
Claver has also warned that many crypto investors lack a clear exit or wealth-management strategy. He stressed that XRP price appreciation alone won’t be life-changing if decisions are driven by panic rather than planning.
“XRP price action won’t change your life if you sell in a panic,” he said. Accordingly, he urged investors to define limits and strategies before market volatility takes over. Claver stressed that financial freedom depends less on timing the market and more on being prepared when opportunity arrives.
💥Business Structures and Tax Efficiency
Beyond individual investors, Claver highlighted the role of business structure in crypto wealth management. He pointed to Wyoming LLCs as a potentially more flexible alternative to traditional S- or C-Corporations for crypto holders. He cited pass-through taxation, optional S-Corp election, and reduced payroll tax exposure when structured correctly.
💥Generational Wealth and Crypto
Meanwhile, in a recent YouTube video titled “How to Never Pay Taxes on Your Crypto,” Claver expanded the discussion to long-term estate planning. He warned that without proper structures, crypto wealth can be significantly eroded by estate and generation-skipping taxes over time.
He outlined strategies such as dynasty trusts and generation-skipping trusts, which, when properly set up, may allow appreciating assets like XRP to compound across generations while minimizing tax exposure.
Claver stressed that timing matters, especially with high-growth assets, because exemptions must be actively allocated before laws change.
💥XRP as a Tool
Claver’s comments highlight a changing narrative around XRP. Investors now see it not just as a speculative trade, but as a long-term financial tool for liquidity, income, and wealth planning.
Claver believes making money with crypto is only part of the process. How investors structure, protect, and plan around assets like XRP is what determines whether that wealth actually lasts.

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$XRP With Fundstrat’s Tom Lee suggesting that the crypto market has room for more exponential growth, XRP could benefit from such upside if it plays out.
Notably, Fundstrat co-founder Tom Lee presented a confident outlook for the crypto market at Binance Blockchain Week in Dubai, arguing that he sees far more growth ahead than behind.
Lee pushed back against the belief that crypto has already hit its peak, suggesting that the last decade does not tell the full story of where this industry can go.
💥Key Points
Crypto Market Growth Potential According to Tom Lee: Tom Lee of Fundstrat sees significant growth opportunities ahead for the crypto industry, arguing that the industry is still in its early stages and has much more room to expand.
Large Untapped Market for Blockchain Assets: Lee highlights that only a small fraction of global wealth is invested in cryptocurrencies, suggesting a potential 200x increase in adoption if more people and institutions embrace blockchain assets.
Institutional Capital Remains Largely Unexploited: A Bank of America survey shows that 67% of professional fund managers have no exposure to Bitcoin, indicating a significant gap between potential demand and current institutional investment.
Shift Toward Tokenization of Real-World Assets: Major Wall Street firms aim to tokenize assets like real estate, which could total around $1 quadrillion, moving vast pools of traditional assets onto blockchain platforms.
XRP Could Benefit from Blockchain Growth, But Future Price Is Uncertain: If tokenization accelerates and XRP maintains a 4% market share in a $1 quadrillion ecosystem, its value could theoretically reach around $664 per token, though actual price reactions remain uncertain.
💥Tom Lee Says the Crypto Market Still Has More to Grow
He called attention to a major gap between today’s participation and the potential global audience. According to him, only about 4.4 million Bitcoin wallets currently hold more than $10,000. He then compared this to roughly 900 million people worldwide who keep more than $10,000 in their retirement savings.
Lee, who also serves as BitMine’s Chairman, explained that if Bitcoin eventually reaches this kind of global presence, the market would see a 200x jump in adoption. He described this level of expansion as both exponential and firmly in hyper-growth territory.
The industry leader also highlighted a recent Bank of America survey that shows how much institutional capital still sits on the sidelines. According to Lee, 67% of professional fund managers report zero allocation to Bitcoin. He said this number shows the wide gap between potential demand and current exposure.
Lee then called attention to the massive push inside traditional finance to bring real-world assets onto blockchain platforms.
He said major Wall Street institutions want to tokenize nearly every type of financial product. When he included global real estate in that estimate, he placed the value near $1 quadrillion. He argued that these firms want to move this entire pool of assets onto blockchain rails.
💥XRP Price If It Benefits from This Shift
Notably, this sort of environment could also support XRP. The asset holds roughly 4% market share among major cryptocurrencies. If tokenization accelerates and more financial activity shifts to blockchain settlement, XRP could gain from that momentum.
Still, no one can say how XRP’s price will react as it remains unclear how much liquidity XRP could capture if this move takes hold. As a result, we asked Google Gemini to analyze Tom Lee’s projection.
Gemini first explained that Lee’s $1 quadrillion figure represents the total addressable market for tokenized financial assets such as stocks, bonds, commodities, and real estate. The chatbot emphasized that this number refers to the value of assets that could eventually move on-chain, not the future market cap of cryptocurrencies alone.

It then stressed that if the tokenized ecosystem eventually grows to $1 quadrillion and XRP keeps a 4% share within that environment, XRP would account for forty trillion dollars of value.
Gemini used an estimated circulating supply of 60.2 billion tokens to run the calculation. When it divided the $40 trillion figure by the circulating supply, the hypothetical price came out to roughly $664 per XRP.
The chatbot called this a bullish scenario that requires several major developments. Specifically, it would need near-total tokenization of global markets, widespread use of blockchain settlement, and a leading liquidity role for XRP.

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$XRP 市場データは、トレーダーが注視すべき複数の重要なXRP流動性ゾーンと、進行中の下落トレンドの潜在的な底値を明らかにしました。
XRPは2025年第4四半期以来、強い売り圧力の下にあります。現在の価格1.48ドルでは、トークンは2025年10月の水準より48％低い取引を行っています。
下落トレンドが続く中、市場データは注視すべき流動性レベルと、この下落トレンドの底が形成される可能性のある場所を示しています。これは2021年から2023年のXRPの価格構造に基づいており、特に今再び形成されているように見える数年間の下降トレンドラインからのブレイクアウトに依存しています。

$XRP Global brand-intimacy research firm MBLM ranks Ripple as the fourth-strongest crypto brand by emotional connection, ahead of industry giants such as Bitcoin and Ethereum.
In its latest ranking, MBLM highlights Ripple’s strong standing in the sector, emphasizing the depth of users’ emotional connection to the brand compared to other established crypto entities.
💥Key Points
MBLM’s latest crypto brand intimacy ranking places Ripple as the fourth strongest brand in the industry.
Ripple ranks ahead of Bitcoin and Ethereum, which place sixth and tenth, respectively.
Ripple’s strong performance reflects its success in positioning itself as a reliable, enterprise-focused blockchain payments company.
The XRP Ledger (XRPL) also featured in the ranking, outperforming major industry players like Binance and Coinbase.
💥Ripple Ranks Ahead of Bitcoin and Ethereum in MBLM Crypto Ranking
In the overall ranking, Ripple sits in fourth place in MBLM’s crypto category, trailing only Solana, Polkadot, and Tether, with Solana leading the ranking. Notably, Ripple ranks above Bitcoin and Ethereum, which rank sixth and tenth, respectively.
Although those networks dominate in decentralization and market capitalization, Ripple outperforms them in brand trust, emotional loyalty, and perceived utility.
Other projects ranked below Ripple include Dogecoin, Cardano, Coinbase, Binance, and USD Coin. The ranking measures emotional connection rather than market cap, token price, or trading volume.

💥Rationale Behind Ripple’s High Ranking
The results reflect Ripple’s success in positioning itself as a reliable, enterprise-focused blockchain payments company. Ripple prioritizes real-world financial applications, particularly cross-border payments and banking infrastructure.
Moreover, the company has secured multiple licenses across key jurisdictions, including a recently obtained Electronic Money Institution (EMI) license in the U.K., which further strengthens user trust.
As a result, Ripple has built institutional confidence, enhanced its regulatory credibility, and cultivated long-term partnerships, all of which support its high brand intimacy score.
💥XRPL Secures 11th Position
While Ripple ranks as the fourth strongest crypto brand, the XRP Ledger (XRPL) follows closely in 11th place. Notably, the blockchain outperforms major industry players such as Binance, Coinbase, Chainalysis, and USDC, underscoring its growing relevance and emotional appeal.
Moreover, XRPL emerged as one of the strongest brands in an industry with an average Brand Intimacy Quotient of 15. Designed primarily for fast and efficient payments, XRPL, alongside its native token XRP, has cultivated one of the most passionate and emotionally invested communities in crypto.
This deep-rooted loyalty intensified during Ripple’s nearly five-year legal battle, a period that threatened the project’s survival but ultimately strengthened community solidarity and belief in its mission.

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$XRP Market data shows a trend involving one-way trades that sold up to $5 billion worth of XRP in Korean markets.
XRP has been under pressure for months, falling 47% since October 2025. As the price kept sliding, market analyst and order book expert Dom dug into trading data on Upbit and found trends pointing to a steady stream of selling on the XRP/KRW pair that has been running almost nonstop for close to a year.
Dom based his research on 82 million tick-level trades from Upbit and 444 million trades from Binance. After reviewing the numbers, he concluded that a large automated seller has been unloading XRP in a consistent and structured way, separate from what the broader global market shows.
💥Key Points
Amid the ongoing XRP price struggles, an order book expert found a consistent automated selling pattern in the Korean market.
Upbit’s XRP/KRW pair recorded net negative flows every month for 10 consecutive months, totaling 3.3 billion XRP or $5 billion.
One automated bot operated almost nonstop for 17 hours at a time, executing 61% of trades within 10 milliseconds using consistent round-number sizes.
From April to September, Upbit XRP traded 3-6% below Binance prices, with sellers accepting worse fills, likely due to KRW liquidity requirements.
Retail traders bought during strong rallies, while crash days saw sell intensity eight times higher, showing that algorithmic selling and retail behavior complemented each other.
28% of buy trades were tiny fractional KRW-denominated orders, indicating that there could be two different trading profiles involved in the pattern.
💥A Full Year of Heavy XRP Selling
Dom confirmed that he began his analysis after witnessing 57 million XRP in negative cumulative volume delta over just 17 hours. The size of the drop was questionable, so the analyst ran deeper checks, including bot fingerprinting, iceberg detection, and wash trade reviews.
Notably, he found that the selling was real and driven by algorithms. Specifically, around 61% of trades happened within 10 milliseconds, and one bot appeared to run for 17 straight hours with only a single 33-second break.
Meanwhile, on a higher timeframe, Upbit’s XRP/KRW pair showed net negative flows every month for 10 months in a row. April recorded 165 million XRP in net selling, July posted 197 million, October reached 382 million, and January came in at 370 million. In total, net selling hit 3.3 billion XRP, worth about $5 billion.

Only one week out of 46 showed positive net flow. Dom pointed out that this pressure did not match what happened on Binance.
Notably, on the XRP/USDT pair on Binance, sell pressure was 2-5x lighter. In June, Binance even showed a net positive flow while Upbit recorded 218 million XRP in net selling. The hourly correlation between the two exchanges stood at just 0.37, which suggests Upbit followed its own path.
💥Discount Turns Into Premium
Also, from April to September, XRP on Upbit traded at a 3% to 6% discount compared to Binance. This means sellers accepted prices up to 6% worse than global markets for months.
Dom suggested that these sellers seemed focused on getting KRW rather than chasing better prices. They may have needed local currency, faced rules limiting where they could trade, or simply decided to take profits.
Interestingly, on Oct. 10, Korean retail traders pushed the premium from negative 0.07% to positive 2.4% in just one day. Trading activity jumped five times to 832,000 trades. After that, the premium only briefly turned negative again. At the same time, the daily selling pace doubled from 6.3 million XRP per day to 11.2 million XRP per day.

Further, Dom also grouped daily flows based on how XRP performed on Binance. On crash days, when XRP fell more than 5%, Upbit showed average net selling of 46 million XRP with a 1.49 sell-to-buy ratio. On normal down days, average net selling reached 22 million XRP.
Meanwhile, flat days still showed 6 million XRP in net selling. When XRP rose between 2% and 5%, Upbit posted average net buying of 4 million XRP with a 0.94 ratio. On days when XRP gained more than 5%, net buying averaged 8 million XRP with a 0.93 ratio.
This means Korean retail traders bought during strong rallies, while sharp drops brought much heavier selling. Dom noted that crash days showed sell intensity 8x heavier than normal. The steady seller and retail reactions fed into each other, with retail buying rallies and the automated flow selling into the demand.
💥Machine and Retail Behaviors
Notably, the largest sell days show how big this flow became. On Feb. 5, 2026, Upbit recorded 147 million XRP in net selling across 1 million trades.
July 23 saw 87 million XRP in net selling, Oct. 10 recorded 75 million, Jan. 31 logged 53 million, and Aug. 14 posted 51 million. The most extreme reading happened on Oct. 7, when the sell-to-buy ratio reached 2.08, meaning the market sold 2 XRP for every 1 XRP bought.
Dom said the bot behavior barely changed over 10 months. Between 57% and 60% of trades happened within 10 milliseconds. Orders kept appearing in round numbers such as 10, 50, 100, 500, and 1,000 XRP. The system ran 24 hours a day without weekday or weekend breaks, and buying never outweighed selling overall at any hour.
On the other side, the buyers had a different behavior. Notably, about 28% of buy trades came in small fractional sizes like 2.535, 3.679, and 2.681 XRP, which match KRW-based retail orders such as buying 10,000 won worth of XRP. Over 10 months, buyers placed 10 million of these fractional orders.
Essentially, one side of the pattern looked like mechanical trades, while the other looked like it was handled by everyday retail traders.
💥Who is Behind These Flows?
Notably, Dom pointed out that Korean capital controls limit easy access to global exchanges, which often causes Upbit to trade at a premium to Binance.
Sellers can collect a 2% to 3% spread on top of spot prices in that setup. Dom calculated that 3.3 billion XRP equals 5.4% of XRP’s total circulating supply, all net sold through a single trading pair on one exchange in 10 months. He also noted that net sold simply means the tokens changed hands.
Considering all this, he asked: Who can sell 300 million to 400 million XRP every month for nearly a year, ignore discounts of up to 6%, run identical algorithms nonstop, and specifically need KRW? He did not present a firm answer, suggesting it could possibly involve one large entity, dozens of traders, or even thousands.

Meanwhile, some proponents believe the flow could come from On-Demand Liquidity use, where a Ripple partner handles mostly one-way remittances into Korea. If money flows mainly into the country from places like Southeast Asia, Japan, or the United States, the result would involve steady net selling of XRP into KRW on Upbit.

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$XRP Discussions from 2018 confirm that former Ripple CTO, David Schwartz, intended for Codius to bring assets like Bitcoin and Ethereum to the XRP Ledger.
Notably, Schwartz pointed out that the XRPL already featured a built-in decentralized exchange (DEX) that could allow users trade non-native assets like Bitcoin and Ethereum. However, he suggested that holding such assets on the XRPL posed counterparty risks, and Codius could solve that.
💥Key Points
Eight years ago, Schwartz explained in a community discussion that XRPL’s built-in DEX allows users to hold, pay, and trade arbitrary issued assets directly on the ledger.
However, he warned that gateways holding real Bitcoin or Ethereum pose counterparty risk and can split liquidity when multiple issuers offer separate versions of the same asset.
Schwartz proposed Codius as a decentralized smart contract platform that could act as a generic, trustless counterparty instead of a human-managed gateway.
Ripple paused Codius in June 2015 after Stefan Thomas described the market as too small and cited the lack of a universal web payment standard.
In mid-2025, Ripple launched an EVM-compatible sidechain and expanded interoperability through Axelar and Wormhole.
💥XRPL’s Unique DEX
The Ripple CTO Emeritus made his comments during a discussion in 2018. Notably, six years after the XRP Ledger went live, Schwartz, who served as CTO at the time, joined Reddit in February 2018 for an AMA session.
During the discussion, a user asked how Codius would increase XRP usage. In response, Schwartz emphasized that there were multiple ways, but called attention to its potential to eliminate counterparty risk as his favorite.
He explained that from the very beginning, the team embedded a decentralized exchange into the XRP Ledger itself. This allows users to hold, send, and trade different types of assets directly on the network.
While other blockchains relied on separate decentralized apps for trading, XRPL built this feature into the base layer. Schwartz noted that users could trade more than just XRP. Notably, they could trade issued assets such as gold, fiat currencies, or other tokens created on the ledger.
💥The Gateway Problem and Liquidity Split
However, the former Ripple CTO highlighted a major issue around this. Specifically, when users bring assets like Bitcoin onto the XRP Ledger, someone must hold the real Bitcoin on its native chain. A gateway issues a representation of that asset on XRPL.
This creates a counterparty risk because users must trust the gateway to safeguard the underlying asset. If the gateway fails or gets hacked, users lose confidence in the issued token.
He then pointed out another challenge. Notably, when several gateways issue their own versions of the same asset, liquidity spreads across multiple pools. For example, if five companies each issue their own version of Bitcoin on XRPL, traders deal with five separate markets instead of one deep pool.

💥Codius as a Code-Based Counterparty
Schwartz noted that Codius was a solution to this problem. He called Codius a decentralized hosting platform for smart contracts. Users could rely on transparent code instead of trusting a company to manage assets. With this, smart contracts would act as a neutral counterparty and handle the movement of assets without human control.
He said a gateway built on Codius could allow assets like Bitcoin and Ethereum to trade on the XRP Ledger without exposing users to the same counterparty risks. This way, the system could reduce the chance that someone mismanages or misuses funds.
He also mentioned XRP autobridging as a major strength of the ledger. For the uninitiated, autobridging uses XRP as an intermediary asset to complete trades between two assets that lack a direct market.
If traders want to exchange one issued asset for another, the system can automatically route the trade through XRP. As long as XRP maintains strong liquidity, the network can support efficient trading across many assets.
💥Codius Abandoned
At the time Schwartz made these comments, Ripple had already paused Codius in June 2015. Notably, Stefan Thomas, Ripple’s former CTO and co-creator of Codius, said the decentralization market at the time was too small and early to support the project. He called the effort premature.
The team also faced the absence of a universal web payment standard, which later led to the creation of the Interledger Protocol. Ripple then shifted its focus toward strengthening institutional partnerships instead of running a general-purpose hosting platform.
💥EVM Sidechain and Hooks
By 2026, several new technologies had addressed the concerns Schwartz raised in 2018. For instance, Ripple launched an EVM-compatible sidechain on mainnet in mid-2025. This sidechain allows Ethereum-style smart contracts to operate alongside the XRP Ledger.
Meanwhile, Hooks introduced another step forward. Hooks allow developers to build Layer-1 smart contract logic, including smart escrows that release funds automatically when predefined conditions are met. While developers have not activated Hooks on the XRPL mainnet due to security concerns, they have implemented them on the Xahau sidechain.

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$XRP Interest in XRP is extending well beyond retail investors, as a senior executive at Grayscale Investments says financial advisors are frequently fielding client questions about the asset.
Rayhaneh Sharif-Askary, Head of Product and Research at Grayscale, shared this information during XRP Community Day. She described XRP as one of the most widely discussed digital assets among investors, second only to Bitcoin in many conversations.
💥Key Points
Grayscale Investments says advisors are constantly fielding client questions about XRP.
Executives say XRP remains one of the most discussed digital assets across retail and advisory channels.
Firms like BlackRock and Mastercard are exploring XRP Ledger infrastructure.
Growing advisor demand and enterprise pilots strengthen XRP’s case as more than a tradable token.
💥Advisors Seeing Strong XRP Demand
Sharif-Askary pointed to a strong, vibrant XRP community, noting that enthusiasm for the asset remains high across market segments.
According to her, Grayscale’s sales team has observed that advisors are “constantly asked” about XRP by their clients. In some cases, she said, XRP is the second most talked-about crypto asset after Bitcoin within certain investor circles.
She also suggested that, in the broader crypto market, price narratives have often outpaced real-world product-market fit. However, she believes that the dynamic may change over time for blockchains that have been “battle tested” and are positioned to capture market share as more use cases mature.
Her comments reinforce the view that XRP’s visibility among traditional investment channels continues to grow as institutional conversations around digital assets expand.

💥Institutional Interest in the XRP Ledger Expands
Sharif-Askary’s remarks come just a week after fresh confirmation that major financial institutions are exploring the capabilities of the XRP Ledger (XRPL).
Odelia Torteman, Director of Corporate Adoption at XRPL Commons, recently confirmed that companies such as BlackRock, Mastercard, and Franklin Templeton have shown active interest in XRPL infrastructure.
Torteman explained that XRPL was designed from its inception to support cross-asset, transparent payments for financial institutions. Within that ecosystem, XRP serves as a bridge currency, facilitating transactions and settlements across the network.
The ledger includes several native features aimed at enterprise use, such as a built-in automated market maker (AMM), a decentralized exchange (DEX), trust lines, and ongoing development to support compliance and KYC-related requirements.
According to Torteman, these capabilities reduce friction for institutions seeking blockchain solutions that align with regulatory standards.
💥Ripple Partnerships Strengthen XRPL’s Position
In recent months, partnerships involving Ripple have further strengthened the XRP ecosystem’s institutional narrative.
In September 2025, Ripple, Franklin Templeton, and DBS partnered to launch tokenized lending and trading solutions using tokenized money market funds alongside RLUSD. The initiative aimed to improve liquidity and capital efficiency through regulated stablecoin integration.
That same month, Ripple collaborated with Securitize to enable investors in BlackRock’s BUIDL and VanEck’s VBILL funds to swap shares directly for RLUSD. This introduces continuous liquidity through smart contract functionality.
Meanwhile, in November 2025, Ripple, Mastercard, and Gemini teamed up to pilot RLUSD stablecoin settlements for card payments on XRPL. The companies described the move as a first step toward enabling U.S.-regulated banks to settle transactions on a public blockchain.
Together, these developments show two clear trends. On one side, Grayscale Investments reports steady demand from advisors, with clients increasingly asking about XRP. On the other side, institutions are testing the XRP Ledger’s infrastructure for tokenization, payments, and on-chain liquidity.
For XRP holders, this mix of grassroots interest and institutional testing supports the view that XRP is more than just a tradable asset. They see it as also part of a blockchain network for large-scale financial use.

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$XRP Data indicates that Standard Chartered’s latest XRP price predictions align with key Fibonacci extension targets all the way to $27.
XRP may be witnessing steep declines, down nearly 60% from its July 2025 all-time high of $3.6, but the broader market has maintained around its long-term potential despite lowered short-term targets.
Notably, global bank Standard Chartered recently reviewed its long-term XRP targets, lowering the 2026 target to $2.8 but increasing the targets tied to 2028 and beyond. Interestingly, data shows the new targets align with key Fibonacci extension levels.

💥Key Points
XRP has not escaped the broader market bloodbath that began in Q4 2025, currently down nearly 60% from its July 2025 all-time high.
Despite the consistent downtrend, optimism around XRP’s long-term value proposition remains high.
Global bank Standard Chartered recently lowered its short-term XRP targets amid the turbulence, but increased its long-term targets tied to 2028 and beyond.
Interestingly, market data indicates that the recent targets align with key Fibonacci extension levels all the way to $27.
💥Standard Chartered’s Reviewed XRP Targets
Market watcher Chart Nerd spotlighted these targets as he discussed XRP’s long-term prospects following Standard Chartered’s latest review. For context, Standard Chartered recently reduced its XRP price target for 2026 amid the ongoing turbulence that has pushed the token below $2 for nearly two months.
In its earlier projection, Standard Chartered suggested that XRP could soar to a price of $8 in 2026 and then reach $10.4 by next year. Notably, this was a revision of its previous prediction, and at the time of this revision, XRP held strong above $2 despite mounting selling pressure.
Now, the multinational bank has reduced its 2026 target to just $2.8, even lower than XRP’s $3.6 all-time high in July 2025. At the current price of $1.48, XRP would only need to rise 89% to claim the $2.8 target. Meanwhile, Standard Chartered cut its 2027 target from $10.4 to $7, representing a 372% rise from the current price.

💥New Targets Align with Key Fibonacci Levels
Interestingly, while Standard Chartered lowered its 2026 and 2027 targets, the bank actually increased its longer-term targets. Specifically, they hiked their 2028 target from $12.5 to $12.6, increased the 2029 target from $12.25 to $19.6, and then set the 2030 target at $28.
Chart Nerd stressed that these targets align with Fibonacci extension levels he identified in previous analyses. Notably, the market watcher shared that during the November 2024 rally, XRP broke above a symmetrical triangle on the monthly chart that had capped its upside potential since January 2018.
This breakout kept XRP above the triangle throughout 2025, but the current downtrend, which began in Q4 2025, has now pushed prices back to retest the upper trendline. Such a retest is natural after a breakout, and often tests the strength of the breakout.

Chart Nerd expects XRP to soar from the current price region once it completes the retest of the breakout, identifying multiple Fib. targets for this uptrend. The first target sits at Fib. 127.2% ($8.47), aligning with Standard Chartered’s $7 target for 2027, while the second level rests at Fib. 141.40% ($13.7), aligning with the bank’s $12.6 target for 2028. The ultimate price target is $27 at Fib. 161.8%.

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$XRP SBIホールディングスの株主で、同社の株主優待プログラムの一環としてXRPを受け取ることを選んだ人々は、平均取得価格の4倍以上の利益を得ています。
この更新は、XRPコミュニティの人物であるEriによって強調され、2026年2月4日に発表された同社の最新の財務結果プレゼンテーションを指摘しました。
💥重要なポイント
2020年以降にXRPを選んだSBIの株主は、平均取得価格から4倍の利益を得ています。
6回の配分ラウンドを経て、加重平均購入価格はXRP1枚あたりわずかJPY58.8となりました。

$XRP ビットコインの支持者であるサイモン・ディクソンは、Bnk To The Futureの創設者で、リップルとXRPを彼が「心理作戦」と呼ぶものの一部として説明しました。
最近のポッドキャストで、ディクソンは、アルトコイン、特にXRPとリップルの台頭がビットコインコミュニティを分裂させ、人々をビットコインの本来の使命から気をそらせたと主張しました。具体的には、彼は「クソコインとギャンブル」と見なすものが、参加者を金融的インセンティブを通じて分断し、統一ではなく内部対立を生んでいると示唆しました。

$XRP XRPレッジャーは、トークン化された実世界の資産の総額でBNBチェーンを追い越そうとしています。
市場全体で価格が苦戦している中、今年だけで世界の暗号市場の時価総額が6280億ドル失ったにもかかわらず、トークン化の物語は勢いを増しており、XRPレッジャー（XRPL）はその勢いに乗って、実世界の資産価値による最大のネットワークの一つに位置を確保しようとしています。
過去30日間で、XRPLはトークン化された実世界の資産（RWA）として約3億5400万ドルを受け入れ、報道時点での総RWA価値は18.74億ドルに達しました。これにはステーブルコインは含まれていません。このことで、XRPLは先月ソラナを超えた後、RWA価値でBNBチェーンを追い越そうとしています。

$XRP 暗号通貨市場は、ETFの流出、マクロ経済的圧力、および長期的な統合が投資家の行動を形成する中で、再調整の期間に入っています。これらの短期的な変動の中で、XRPは国境を越えた決済やトークン化された金融における役割の拡大により、長期的な成長の可能性についての議論の焦点となっています。
暗号アナリストのザック・レクターは最近、2030年までにXRPの価格目標を28ドルと再確認しました。この予測は、スタンダードチャータードの2030年の予測28ドルを強調しています。この一致は、独立した分析と機関の研究の両方における信頼が高まっていることを強調し、XRPの長期的な軌道が短期的な市場のボラティリティにもかかわらず堅調であるという考えを強化しています。

$XRP ザ・シンプソンズは、政治的結果から技術革新まで、予期しない「予言」で長い間称賛されてきました。この評判は、ファンが潜在的な先見の明を求めてエピソードを scrutinize する文化を生み出し、しばしば遊び心のある瞬間をバイラルな憶測に変えています。
最新のミームの1つは、リップルのXRPに関するもので、2026年にはこの暗号通貨が世界の支配的な通貨になることを描いています。このシナリオは、世界中の暗号愛好者の想像力を捉えています。
暗号アナリストのCryptoBullは最近、ビットコインが$1に崩壊する間にXRPが$100,000に急上昇することを dramatizes するファン編集のモンタージュを強調しました。このクリップでは、ホーマー・シンプソンが貯金を失い、リサがマージにXRPに投資するよう促し、家族が裕福になる様子が描かれています。

$XRP 暗号通貨市場はしばしば激しい投機を引き起こし、空高い予測がファンダメンタル分析よりも早く見出しを飾ります。$1,000や$10,000のような極端な予測が注目を集める一方で、チャートベースの評価はより現実的な現実を示しています。実行可能な洞察を求める投資家にとって、構造的制限と現実的な上昇の理解は不可欠です。
暗号アナリストのCryptoBullは最近、Xでこの視点を強調し、現時点で$1,000や$10,000のXRPを支持する技術的証拠はないと述べました。代わりに、彼の分析は$28と$70の間のより達成可能なターゲットを示しており、これらは歴史的なパターン、市場サイクル、技術的リトレースメントと一致しています。誇大広告ではなく測定可能なデータに焦点を当てることで、CryptoBullは市場メカニクスに根ざしたロードマップを提示しています。