Crypto Action

International equity ETFs recorded $51.6 billion in January inflows, marking the fifth consecutive monthly increase and signaling accelerating global equity participation.
💥 International equity ETFs are seeing a major wave of investor interest, with January bringing in $51.6 billion in fresh capital. According to The Kobeissi Letter, this marks the fifth straight month of rising inflows and extends an impressive seventeen-month streak of positive flows. The trend shows investors are increasingly looking beyond domestic markets and diving into global equities tracked alongside major benchmarks like the SPX.

💥 What makes this especially notable is that international funds represent just 15% of total ETF assets, yet they captured roughly 33% of all global inflows during the month. January's $51.6 billion figure also stands as only the second time on record that monthly inflows topped $30 billion. The data reveals a steady climb in cross-border allocations throughout 2025 and into early 2026, hitting a fresh peak. This kind of momentum mirrors what we've seen elsewhere, like when Global Gold ETF Inflows Reach Record $72 Billion.
International equity ETFs attracted $51.6 billion in January, marking the fifth consecutive monthly rise, highlighting how this isn't just a one-off surge but part of a sustained shift in investor behavior.
💥 The seventeen-month inflow streak tells us investors are seriously committed to diversifying beyond their home markets rather than making short-term bets. Multiple months of sustained participation point to expanding appetite for global exposure and broader market engagement. Similar powerful fund flow momentum has also shown up in Bitcoin ETFs Record $145M Inflows as BTC Holds Near $70K Mark.
💥 Why does this matter? Cross-border capital flows redistribute liquidity across different regions and sectors, affecting everything from currency markets to corporate valuations. The accelerating pace of inflows into international equities demonstrates strengthening demand for global participation and signals that investors are actively broadening their reach beyond domestic-only allocations.

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$BTC Bitcoin marks its fifth straight monthly decline, echoing a rare pattern last witnessed during the brutal 2018 bear market when prices crashed below $ 4,000.
Bitcoin's recent price action has triggered alarm bells among traders as the leading cryptocurrency prints its fifth consecutive red monthly candle—a rare occurrence that last happened during the depths of the 2018 bear market. This extended losing streak raises questions about whether we're witnessing a temporary correction or the beginning of a deeper market reset.
💥Bitcoin Matches Rare 2018 Bear Market Pattern
Bitcoin has now closed five months in a row with losses, matching a historical pattern that crypto veterans remember all too well. The last time Bitcoin produced five or more monthly losses consecutively was back in 2018, when the cryptocurrency eventually crashed below $4,000. The current monthly chart reveals a clear rejection from cycle highs, followed by persistent selling pressure that's pushed prices toward the $69,000 region.

Unlike the dramatic flash crashes we've seen in previous corrections, this downturn features gradual distribution following the prior rally. The chart structure shows a steady downward sequence rather than a single panic-driven capitulation event. This measured decline mirrors what happened in 2018, when Bitcoin slowly bled out across several months before finally finding a bottom and stabilizing.
As one analyst noted: "Extended monthly losing streaks are extremely rare in Bitcoin's history and typically signal structural resets in the broader crypto market cycle."
💥Technical Indicators Signal Weakening Momentum
The technical picture reinforces the bearish narrative. The monthly RSI has cooled into the mid-40 zone, indicating fading bullish momentum without yet reaching deeply oversold territory. Historical data suggests that after such extended monthly losing streaks, Bitcoin tends to transition into prolonged sideways consolidation rather than immediately reversing higher.
Traders looking for context can examine the BTC falling wedge structure at this detailed analysis, which explores the $68,000 rejection zone. Additionally, ETH vs BTC performance dynamics are covered here, showing how Ethereum's $2,000 support test compares to Bitcoin's relative strength.
💥Market Rebalancing or Deeper Reset?
The current pattern suggests the crypto market is undergoing significant rebalancing rather than experiencing a simple short-term pullback. These extended red candle sequences are exceptionally rare in Bitcoin's trading history and usually mark structural shifts that reshape sentiment across all digital assets. Whether this leads to a 2018-style prolonged bear market or serves as a reset before the next leg up remains the critical question facing investors today.

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Japanese financial giant SBI Holdings has announced plans to acquire a majority stake in Coinhako, a Singapore-based crypto platform, as part of its strategy to expand digital asset infrastructure across Asia.
💥 SBI Holdings has revealed its intention to acquire a controlling stake in Coinhako, a regulated digital asset platform based in Singapore. The Japanese financial group is targeting a majority ownership structure that would turn Coinhako into a consolidated subsidiary. SBI is framing this acquisition as a critical step in building what it calls a "global corridor for digital assets" and advancing tokenization-based financial services throughout the region.
💥 The proposed deal involves a combination of fresh capital injection into the Coinhako Group and the purchase of shares from current stakeholders. The transaction still needs regulatory approvals before it can close. Coinhako operates under a strict regulatory framework—it holds a Major Payment Institution license from the Monetary Authority of Singapore and is registered as a virtual asset service provider with the BVI Financial Services Commission.

💥 SBI is positioning this move within what it describes as the "era of tokenization." The company emphasized the growing need for robust global infrastructure to support digital assets, including tokenized securities and stablecoins. Once integrated, Coinhako would become part of the larger SBI Group ecosystem, with the stated goal of scaling institutional-grade digital asset services across Asian markets.
💥 This development highlights how major financial institutions are strategically expanding their footprint in regulated crypto platforms through cross-border acquisitions. As tokenization and stablecoin adoption edge closer to traditional financial systems, deals like this could significantly speed up the development of compliant market infrastructure in key Asian financial centers.
For context, SBI has been deepening its crypto involvement. The firm previously announced a partnership to launch RLUSD stablecoin in Japan, and SBI VC Trade became a validator on the XRP Ledger, reinforcing its commitment to the $XRP ecosystem and broader digital asset infrastructure.

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$SOL Solana continues its sharp correction after reaching cycle highs, with technical analysis suggesting a potential accumulation range between $30 and $50 based on historical fractal patterns.
Solana's current price action has traders watching closely as the asset trades significantly below its recent peak. A fractal-based analysis comparing SOL's current cycle to its previous major run has identified a critical zone where accumulation could potentially develop, though historical patterns don't guarantee future outcomes.
💥Historical Cycle Comparison Shows Familiar Pattern
Solana is drawing attention for what appears to be a repeat of earlier cycle behavior following a dramatic pullback from its top. SOL has dropped roughly 77% from its all-time high after the rally that began in 2022 and peaked in 2025.

The comparison laid out on TradingView charts two distinct Solana cycles. During Cycle 1, which ran from 2020 to 2021, SOL surged from around $1.07 to approximately $260—a massive gain of about 24,234%. That explosive move was followed by a brutal 97% correction down to near $7.78.
Cycle 2 painted a similar but less extreme picture. Starting from roughly $7.78 in 2022, Solana climbed to around $295 by 2025, marking a gain close to 3,700%. The current correction phase has now erased about 77% of those gains.
💥$30 to $50 Zone Emerges as Key Support Area
The fractal chart highlights a potential accumulation zone between $30 and $50, which aligns with Fibonacci retracement levels between 0.5 and 0.618. The analysis notes that if the historical pattern holds, this range could serve as a staging ground before any potential recovery.
"The key level cluster highlighted on the chart is a potential accumulation zone at $30 to $50," according to the technical analysis, with a clear warning that past fractals don't guarantee future results.
Similar technical setups have been tracked in recent analyses, including Solana's drop to $67 as the predicted $50–$70 zone held and Solana's test of critical $90–$95 support levels. More recently, Solana showed signs of fresh buying momentum around the $82 and $88 levels.
💥Long-Term Targets and Market Sentiment
Beyond the immediate support zone, the fractal overlay suggests longer-term upside targets ranging from $500 to $1,000—but only if the historical pattern repeats, which remains speculative at best.
For now, market sentiment hinges on how Solana behaves around the highlighted $30 to $50 retracement band. This zone represents the critical checkpoint in the fractal-based framework, especially given the magnitude of the current drawdown. Whether SOL finds stable footing here or breaks lower will likely shape trader expectations for the months ahead.

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$XRP Technological revolutions in finance often unfold quietly before they accelerate rapidly. What seems like a slow progression can suddenly shift into widespread adoption once institutional readiness and regulatory clarity align. In the digital-asset ecosystem, XRP now appears poised to make that leap, moving from speculative interest to practical utility across banking and enterprise infrastructure.
Insights shared by CryptoSensei emphasize this impending transition. In a recent X post, CryptoSensei stated, “This technology is ready to go once the guardrails are up…once regulation has passed and they know what they can’t do in the industry, it will be going from zero to a hundred miles an hour very quickly.”
He highlighted that banks, CEOs, and executives overseeing digital-asset divisions are already preparing for large-scale deployment of XRP-based solutions, signaling a structural shift in adoption timelines.

💥Institutional Momentum and Acceleration
CryptoSensei referenced Hunter Horsley to illustrate how quickly adoption could scale: “Banks are going from zero to five hundred miles an hour. Banks never do that.” Unlike retail investors, institutions plan for multi-year horizons, focusing on operational efficiency, client satisfaction, and liquidity optimization.
XRP offers clear advantages for these objectives, including faster settlement, enhanced transparency, and lower transaction costs. For banks, these improvements translate into measurable business benefits, not just speculative gains.
💥Retail Sentiment vs. Long-Term Strategy
While institutions prepare for structural integration, retail investors often react to short-term volatility. CryptoSensei observed that “Retail right now is doing a little bit of panic selling, you are choosing the wrong time to look for the exit.”
He highlighted the contrast between retail participants, who frequently focus on daily price swings, and institutional actors, who plan for five, ten, or even fifty years into the future. The message underscores the importance of patience and perspective in navigating XRP’s adoption cycle.
💥XRP’s Role in the Future of Finance
Mass adoption of XRP extends beyond trading or speculative activity. As banks integrate XRP into settlement and liquidity infrastructure, the network could become a cornerstone for cross-border payments, tokenized assets, and regulated digital liquidity.
CryptoSensei emphasized that these developments will support institutions “going well into 2030,” reinforcing XRP’s position as more than a market token—an operational tool with real-world utility.
The broader takeaway is clear: XRP is on the cusp of significant institutional adoption. Regulatory clarity, infrastructure readiness, and strategic deployment by banks position XRP to move quickly from niche usage to mainstream integration.
As CryptoSensei concludes, the technology “will be going from zero to a hundred miles an hour very quickly,” and investors who understand the long-term trajectory may view current volatility not as a risk, but as a rare entry point into the future of finance.

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$XRP Cryptocurrency markets often appear chaotic, but beneath the surface, structural mechanics drive much of the price action. Rapid swings can seem like panic, yet they frequently reflect the interaction between spot holdings, derivative positions, and liquidity flows. Understanding these dynamics can give investors a strategic edge, revealing how ownership choices impact both personal exposure and market behavior.
Insights shared by Pumpius highlighted a key distinction between real XRP and derivative-driven activity. According to Pumpius, most of the recent price decline in XRP stems not from traditional spot selling but from leveraged positions, perpetual contracts, futures, and synthetic exposure that never actually touches XRP on-chain.
He emphasized, “It looks like panic. It is often positioning,” pointing out that high leverage allows relatively small amounts of capital to move markets disproportionately.

💥How Derivatives Influence Market Volatility
Derivatives markets rely on liquidity and an accessible XRP supply. When coins sit in exchange wallets, they form part of the pool that traders use to hedge positions and rotate exposure. Pumpius explains that withdrawing XRP to self-custody or long-term holdings tightens this float, altering the risk profile for short positions.
As liquidity thins, large short positions face greater stress, and forced unwinds can trigger sharp, accelerated price moves. In his words, “Just $1 bought and removed from exchanges wipes out $5 of short derivatives,” illustrating the outsized effect self-custody can have on market dynamics.
💥The Strategic Advantage of Self-Custody
Self-custody offers more than security; it actively influences market mechanics. By removing XRP from exchange wallets, investors limit the capital available for derivative speculation and reduce the pressure from synthetic positions.
Cold storage and long-term holdings tighten the float, strengthen network stability, and create conditions that can disadvantage aggressive short sellers. This strategy allows holders to participate in the network’s growth while mitigating volatility driven by derivatives.
💥Market Depth and Long-Term Perspective
Pumpius also emphasized that retail participants often misinterpret short-term price swings. Price volatility is not always a reflection of sentiment but can result from structural imbalances between available XRP and leveraged exposure.
In contrast, long-term investors who focus on accumulation and self-custody shape the market environment, preserve their capital, and align their strategy with the broader adoption and liquidity evolution of XRP.
In conclusion, XRP demonstrates that true market influence comes from ownership, control, and an understanding of structural mechanics. By buying XRP and self-custodying it, investors reduce derivative pressure, strengthen network integrity, and position themselves strategically for long-term growth as adoption accelerates.

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$XRP Cryptocurrency markets thrive on decentralization, yet most users still rely on centralized platforms for trading and custody. Even brief disruptions at major exchanges can trigger ripple effects across liquidity, pricing, and investor confidence, highlighting the delicate balance between convenience and control.
Recent events involving prominent platforms underscore the importance of proactive risk management for digital-asset holders.
Insights shared by Stellar Rippler emphasize a fresh warning for XRP holders. Stellar Rippler notes that Coinbase has temporarily halted buying, selling, and transferring operations.
While some reports downplayed these incidents as “FUD,” the analyst stresses that even temporary outages reveal the vulnerabilities of leaving significant XRP balances on exchanges. Stellar Rippler urges investors to act before operational disruptions translate into more significant market consequences.

💥Why Self-Custody Matters
The core of Stellar Rippler’s advisory centers on self-custody. By moving XRP into cold wallets or secure self-custody solutions, investors regain control over their assets and reduce dependency on third-party intermediaries.
The XRP Ledger’s decentralized design allows users to manage transactions independently, eliminating the need for banks or exchanges. David Schwartz has reinforced this point, noting that XRPL enables any user to effectively become their own bank, exercising full autonomy over their funds while maintaining security and transparency.
💥Reducing Operational and Liquidity Risks
Centralized exchanges, even those with strong reputations, remain susceptible to technical outages, liquidity constraints, and operational disruptions. Holding XRP solely on these platforms exposes investors to risks that extend beyond price volatility, including frozen withdrawals or temporary service suspensions.
By withdrawing XRP to self-custody, holders remove their funds from the exchange liquidity pool, minimizing exposure to derivative desks and short-term market manipulations, and positioning themselves for greater stability in turbulent periods.
💥Long-Term Security and Strategic Flexibility
Self-custody does more than protect assets—it enhances strategic flexibility. Hardware wallets and cold storage solutions guard against hacking, phishing, and other coordinated attacks.
They also allow investors to hold XRP securely through market volatility, regulatory uncertainty, or broader financial disruptions. By controlling access to their holdings, investors can participate in on-chain activities, staking, or other blockchain operations without relying on third-party platforms.
In conclusion, the recent Coinbase interruption serves as a crucial reminder for XRP holders: security and autonomy begin with self-custody. As Stellar Rippler emphasizes, moving XRP off exchanges not only safeguards assets but also aligns with the XRPL’s core principles of decentralization.
Investors who act decisively can protect their holdings, maintain liquidity control, and embrace the long-term potential of XRP while minimizing exposure to platform-specific risks.

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$XRP Cryptocurrency markets often surprise investors, with sudden surges and steep corrections challenging conventional expectations. Bold price projections can spark conversation, influence sentiment, and encourage deeper market analysis.
When a digital asset combines strong fundamentals with growing adoption, ambitious targets, though seemingly audacious, become part of a larger discussion about potential and market psychology.
Gordon recently shared one such projection for XRP. In a post on X, Gordon illustrated a potential rally to $70 by June 2026 using historical charts and trendlines, suggesting a roughly 50x increase from the current ~$1.37 price.
While speculative, the forecast reflects confidence in XRP’s adoption trajectory, liquidity, and capacity to capture broader institutional and retail participation over the coming months.

💥Historical Patterns and Technical Indicators
Gordon’s analysis draws on XRP’s past price cycles and adoption curves. By examining periods of consolidation, breakout patterns, and network growth, he identifies technical markers that support the possibility of accelerated momentum.
Trendline projections suggest that XRP could experience rapid upward movement once key adoption milestones and market drivers converge, highlighting the interplay between historical performance and future potential.
💥Adoption and Market Drivers
Several developments support a bullish outlook for XRP. Integration of XRP-based assets like RLUSD across major exchanges enhances liquidity and transactional accessibility. Increased self-custody adoption strengthens network security while reducing the XRP available for speculative derivatives.
Institutional interest in XRP as a settlement and cross-border payment solution continues to grow, providing structural support for price appreciation. Collectively, these factors create conditions that could amplify market demand and facilitate substantial upward movement.
💥Understanding Risks and Volatility
Despite the optimism, investors must account for volatility, regulatory uncertainty, and macroeconomic pressures that can affect short-term movements. Derivatives and leveraged positions can magnify price swings, creating temporary dislocations between on-chain usage and market pricing.
Evaluating XRP’s structural growth alongside these factors helps investors maintain a balanced perspective and navigate periods of heightened volatility with prudence.
💥Market Sentiment and Community Momentum
Gordon’s forecast also highlights the psychological dimension of XRP markets. Bold predictions often energize communities, reinforce conviction, and encourage engagement. When retail and institutional participants align expectations with credible adoption metrics, price discovery can accelerate, particularly for assets with deep liquidity and visible real-world use cases.
In conclusion, Gordon’s projection of XRP reaching $70 by June 2026 underscores both the asset’s potential and the structural factors driving adoption. While volatility remains inherent, historical trends, network growth, and market sentiment converge to create a plausible framework for significant price appreciation in the coming months.

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$XRP In the fast-evolving world of blockchain, rival networks often shift from ignoring each other to exploring collaboration once adoption and real-world utility become undeniable. Public endorsements and strategic dialogue between projects can signal deeper changes in market perception and development priorities.
Such recognition suggests that interoperability and cross-chain integration are becoming key drivers of growth in decentralized finance (DeFi).
John Squire recently highlighted remarks from Charles Hoskinson, who discussed the potential for XRP DeFi on the $ADA Cardano network. In a video clip shared by Squire, Hoskinson said, “We have a very strong relationship there, and I’d like to see XRP DeFi onto Cardano, because that’s like over $140 billion of value, and they don’t have smart contracts.”
His comments underscore the potential for meaningful collaboration, combining the liquidity and stability of the XRP Ledger with Cardano’s infrastructure to enable high-value decentralized applications.

💥Unlocking Cross-Chain Opportunities
Hoskinson framed XRP integration as part of a broader vision for blockchain adoption, highlighting transaction volume and real-world asset deployment.
He explained, “When we look at the competitive landscape…it’s going to be Bitcoin DeFi, and it’s going to be real-world assets…because of Taproot, it’s starting to turn on, and you need companion compute layers like stacks or Cardano…to be able to run all those transactions that are secured by Bitcoin.”
By combining Cardano and XRP, developers could create interoperable DeFi solutions that leverage both networks’ strengths, including speed, settlement reliability, and liquidity.
💥Differentiation Through Governance and Network Quality
Hoskinson also emphasized that technological metrics alone do not ensure sustainable growth. “Differentiating features are things that you can’t copy-paste. You can’t copy-paste good governance, you can’t copy-paste stability or reliability, or happy pace of good community or real-world use cases that the network is,” he said.
For Cardano and XRP, this collaboration focuses on leveraging governance, reliability, and community engagement—factors that cannot be easily replicated and that add enduring value to cross-chain initiatives.
💥Implications for the DeFi Ecosystem
Integrating XRP DeFi on Cardano could unlock new liquidity channels, expand the total value locked (TVL), and create novel opportunities for decentralized applications. It signals a shift from competitive posturing to complementary development, showing that networks can combine their strengths to scale adoption and real-world impact.
For developers, investors, and users, such collaborations enhance interoperability and strengthen the infrastructure for next-generation financial applications.
In conclusion, Hoskinson’s remarks, as highlighted by John Squire, indicate a strategic move toward Cardano-XRP collaboration. By emphasizing governance, reliability, and cross-chain functionality, this partnership could shape the future of DeFi adoption, demonstrating how previously competing networks can align to unlock broader market potential.

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$XRP Elon Musk could soon move forward with efforts to transform X into a financial services platform, according to a recent tweet by CryptoSensei. The post claims that “X Money” may enter beta testing within approximately two months, noting that a closed beta version is already active and a public beta phase is expected to follow.
The tweet presents the development as a major shift in the platform’s direction. It emphasizes the possibility of integrating financial services, potentially cryptocurrency settlement options, such as XRP, directly into the social media application.
CryptoSensei described a scenario in which users could send money, invest funds, and pay bills without leaving the X ecosystem. The post outlines these capabilities as part of a broader transformation of the platform into a multifunctional financial environment rather than a traditional social network.
CryptoSensei’s message stresses that the cryptocurrency community should monitor these developments closely, particularly if blockchain-based payment infrastructure becomes part of the system. The tweet suggests that digital asset settlement technology could complement the platform’s financial ambitions if implemented.

💥Potential Role of Cryptocurrency Settlement
In the same post, CryptoSensei stated that if cryptocurrency transaction rails are integrated into X Money, XRP could be a strong candidate for enabling fast and low-cost global settlement. The tweet describes this potential compatibility in the context of cross-border payments and financial transfers within a unified application environment.
The commentary does not claim that any cryptocurrency integration has been confirmed. Instead, it presents the possibility as a logical scenario should X pursue blockchain-based financial infrastructure in the future. CryptoSensei concluded by encouraging members of the crypto community to pay attention to how the platform’s financial strategy develops.
💥Community Responses to the Idea
Responses to the tweet included differing interpretations of what X’s financial expansion could mean. Chris Wise described the reported initiative as more than a standard platform update, characterizing it as an attempt to build a financial “super-app” similar to WeChat.
He referenced the potential for users to send money, invest, and pay bills within a single interface, describing this as an ambitious direction for the platform. Wise added that if cryptocurrency infrastructure is eventually integrated, transaction speed and cost efficiency would be key considerations, noting that XRP could fit those requirements.
Another commenter, Bagitup, offered a different perspective. The response suggested that traditional payment channels, including Visa, would likely handle fiat transactions first, while cryptocurrency integration could come later.
Bagitup also argued that the platform would function more as a financial marketplace than a bank and predicted that any crypto support would likely involve multiple digital assets rather than a single settlement option.
CryptoSensei’s tweet reflects ongoing interest in how X may expand beyond social media into financial services, particularly as beta testing for X Money reportedly progresses.

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$XRP Brazil’s first spot XRP ETF has been highlighted in a recent report by The Rio Times.
The report spotlights the country’s evolving crypto landscape as it rolls out one of the most comprehensive digital asset regulatory frameworks in Latin America.
XRP community figure WrathofKahneman (WoK) drew attention to the mention in a post on X. He noted that Brazil’s spot XRP ETF featured in the publication’s in-depth analysis of the country’s new cryptocurrency regulations.
💥Key Points
Brazil’s first spot XRP ETF was featured by The Rio Times amid new crypto reforms.
Banco Central do Brasil now requires licenses, capital reserves, audits, and fund segregation.
Hashdex launched XRPH11 on B3, Latin America’s first spot XRP ETF.
Brazil saw $318.8B in crypto inflows, with rising XRP Ledger and stablecoin adoption.
💥Brazil’s Regulatory Shift Enters a New Era
According to the February 3 report, Brazil has officially entered a structured phase of crypto oversight under the leadership of the Banco Central do Brasil. The new rules require any company offering crypto services in Brazil to obtain formal authorization from the central bank.
Firms are now categorized as:
Intermediaries (connecting buyers and sellers)
Custodians (holding crypto assets for clients)
Brokers (trading on behalf of clients)
Notably, capital requirements range from around $2 million for basic operations to $6.9 million for full-service providers, far higher than those of many global counterparts. Companies must also segregate customer funds, maintain independent audits, and meet proof-of-reserves standards. This measure was influenced by the collapse of FTX in 2022.
💥Brazil’s Massive Crypto Footprint
The report emphasizes that Brazil is no minor player in the digital asset space. The country ranked 5th globally in the 2025 Chainalysis Global Crypto Adoption Index, up from 10th in 2024.
Between July 2024 and June 2025, Brazil received $318.8 billion in crypto value, accounting for nearly one-third of Latin America’s total crypto activity. Year-on-year growth reached 109.9%, with an estimated 18–19% of Brazilians now owning cryptocurrency.
Crypto ETFs on Brazil’s main stock exchange mobilized roughly $10 billion in 2024 alone, reflecting rising institutional and retail participation.
💥Latin America’s First Spot XRP ETF
The report also notes that Brazil approved Latin America’s first spot XRP ETF in early 2025.
Asset manager Hashdex launched the product on B3 under the ticker XRPH11. The fund tracks XRP’s performance using the Nasdaq XRP Reference Price Index and provides regulated exposure to the XRPL native asset.
The ETF’s approval marked a significant milestone as it positioned Brazil ahead of larger markets in offering a spot XRP investment vehicle. The product joined Hashdex’s growing suite of crypto ETFs already trading on B3, including funds tied to Bitcoin, Ethereum, and Solana.
💥XRP Growing Presence in Brazil
Brazil has also seen expanding XRP Ledger activity beyond ETFs. In 2025, Braza Bank processed over $1 billion in stablecoin payments on the XRP Ledger during a single day in April, according to previous disclosures.
The bank has issued BRL- and USD-backed stablecoins on XRPL, signaling growing institutional usage of blockchain rails in the country.
With a structured regulatory framework now in place and institutional products like a spot XRP ETF already trading, Brazil is building a formal bridge between traditional finance and blockchain infrastructure.

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$XRP Hugo Philion, CEO of Flare Labs, believes Flare can help move XRPL beyond its focus on payments and turn it into a leading platform for tokenization.
Philion suggested that Flare’s technology allows XRP to participate in decentralized finance at an institutional level. He added that Flare can help XRPL expand into tokenization by providing privacy tools and secure computing features.
💥Key Points
Flare Labs CEO Hugo Philion has suggested that Flare may be helping transform the XRP Ledger beyond just a payment network to a tokenization platform.
Philion also believes Flare is providing the platform for XRP to engage in DeFi at an institutional level.
The XRPL’s major ties to Flare lie in the FXRP system, which allows XRP holders to utilize their XRP tokens in a secure DeFi setup.
FXRP launched in September 2025 and has since attracted over 97 million XRP tokens, with $40 million staked on Firelight.
💥Flare Transforming XRPL to Tokenization Platform
Philion shared his recent comments in a post on X. According to him, Flare’s technology already allows XRP to take part in decentralized finance at a level that institutions can use. He also explained that Flare can support XRPL’s growth into tokenization by adding privacy tools and secure computing features.

For context, the XRP Ledger has continued to grow its tokenization footprint, boasting over $1 billion in tokenized commodities. The XRPL also stands as the fourth-largest network in terms of represented RWA, surpassing Ethereum.
Speaking further, Philion implied that the relationship between the XRPL and Flare remains mutually beneficial to both ecosystems. He stressed that XRPL is the layer where assets get issued, while Flare acts as the compute layer that adds smart features and flexibility.
For context, the Flare Labs CEO made these comments after a community member suggested that Flare could help turn Ripple into a trillion-dollar company. The idea followed earlier remarks from Ripple’s CEO Brad Garlinghouse about the company’s potential to become the first trillion-dollar crypto firm.
💥FAssets and FXRP Bringing XRP Into DeFi
For the uninitiated, Flare’s primary link to XRPL comes through its FAssets system and the FXRP token. This setup lets XRP holders use their tokens in decentralized finance through a trust-minimized, over-collateralized bridge.
In this system, users lock their XRP on XRPL and mint FXRP on Flare’s EVM-compatible Layer 1 network. Notably, XRPL maintains its role as the main settlement layer, while Flare provides the smart contract features.
Flare calls itself a utility layer for XRPFi. With this model, users can earn yield, lend, trade, and move assets across chains without selling their XRP or taking it off XRPL.
The project launched FAssets on the mainnet last September, after testing on the Songbird canary network. The team set the first minting limit at 5 million FXRP, and users filled the amount within five hours, leading to an increase in the cap. Today, FXRP hosts 97.1 million XRP tokens.
💥FXRP Growth Targets and Rising Adoption
Meanwhile, Philion set a goal of seeing 5 billion XRP represented as FXRP on Flare by mid-2026. This figure would make up 8.2% of XRP’s current circulating supply of 60.9 billion tokens and would set up Flare as the largest DeFi layer connected to the XRPL.
Interestingly, Flare also launched the Firelight protocol in December 2025. For context, Firelight adds liquid staking for XRP within the network. Users can stake their assets while still using them in Flare’s DeFi ecosystem, which improves flexibility and capital use.
On February 5, 2026, Flare again expanded its reach by announcing a stronger partnership with Hex Trust. The partnership gives institutional clients secure custodial access to FXRP minting and redemption, as well as FLR token staking. This development introduced FXRP to large institutions, not just retail investors.

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$XRP The U.S. Commodity Futures Trading Commission (CFTC) has appointed Ripple CEO Brad Garlinghouse to its newly formed Innovation Advisory Committee (IAC).
For context, the IAC features a 35-member panel that will guide the agency on emerging technologies in financial markets. The committee also includes Frank LaSalla, the president of the Depository Trust & Clearing Corporation (DTCC), along with senior executives from major crypto firms and traditional financial institutions.
The CFTC announced the full list of members on Feb. 12, 2026, as part of an effort to improve on how it oversees fast-moving technologies in derivatives, commodities, and financial services.
💥Key Points
The CFTC amended its advisory committee charter and re-launched the Innovation Advisory Committee last month, before announcing its 35 members on Feb. 12, 2026.
The agency named Ripple CEO Brad Garlinghouse as one of the 35 members of the panel, alongside other financial industry leaders like the DTCC President.
The panel also includes around 20 crypto-related members, including executives from Coinbase, Uniswap Labs, Solana Labs, Gemini, Chainlink Labs, and Robinhood, alongside representatives from Nasdaq and CME.
Garlinghouse has often engaged in regulatory discussions in the U.S., joining the White House Crypto Summit last March and participating in a February 2026 meeting on stablecoin yield and the CLARITY Act.
💥CFTC Renames and Expands Advisory Panel
Notably, the CFTC amended and filed its committee’s charter on Jan. 9, 2026. Three days later, the agency formally launched the Innovation Advisory Committee, replacing the former Technology Advisory Committee. Chairman Michael S. Selig led the restructuring and expanded the group to 35 members.
Specifically, the committee will advise the CFTC on issues that involve technology, law, policy, and finance. Members will also discuss developments surrounding blockchain, digital assets, artificial intelligence, cybersecurity, and other emerging technologies.
Further, they will recommend how the agency should apply technology in its own surveillance and enforcement systems and where it should invest to strengthen oversight.
The CFTC created the updated panel to keep up with growing innovation, especially in blockchain and AI. The agency seeks to prepare U.S. markets for long-term technological change and to draw directly from industry expertise.
💥Representation Across Crypto and Traditional Finance
The 35-member roster involves leaders from crypto-native companies, established financial institutions, exchanges, DeFi platforms, infrastructure providers, and academia. Around 20 of the members represent crypto-focused organizations.
Garlinghouse joins Brian Armstrong of Coinbase, Tyler Winklevoss of Gemini, Anatoly Yakovenko of Solana Labs, Hayden Adams of Uniswap Labs, Sergey Nazarov of Chainlink Labs, and Vlad Tenev of Robinhood. The committee also includes representatives from Nasdaq and CME,
Garlinghouse’s appointment places Ripple at the center of ongoing regulatory discussions around digital assets in the United States. Speaking on the development, the Ripple CEO called the panel “the Olympics crypto roster.”

💥Garlinghouse’s Engagement with the Trump Administration
Interestingly, this represents Garlinghouse’s latest involvement in U.S. policy decision-making as he has taken part in several high-level developments involving the current Donald Trump administration since early 2025.
Last January, Garlinghouse and Ripple Chief Legal Officer Stuart Alderoty attended a private dinner with Trump at Mar-a-Lago. Two months later, he joined a White House Crypto Summit roundtable with Trump and other industry leaders, including executives from Coinbase and Gemini.
Meanwhile, earlier this month, Garlinghouse attended a White House meeting led by Trump’s crypto adviser Patrick Witt. Attendees discussed stablecoin yield structures, potential compromises within the CLARITY Act, and broader crypto market structure legislation.

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$XRP Ripple President Monica Long announced that one of the UK’s largest asset managers is now moving funds on-chain, calling it “another big win” for Ripple and XRP.
The development reinforces her view that 2026 is shaping up to be a defining year for XRP, citing “institutional adoption at scale.”
Coming off XRP Community Day, Long reflected on the progress toward making the XRP Ledger (XRPL) the go-to blockchain for institutional DeFi. She noted that the full impact of this shift should become clearer by the end of the year.

💥Key Points
Ripple President calls UK asset manager’s on-chain move “another big win” for XRP.
2026 is shaping up to be a defining year for XRP, with institutional adoption at scale.
Aviva Investors to tokenize funds on XRPL, boosting enterprise use and liquidity.
XRP ETFs hit $1.23B inflows; firms like Evernorth add XRP as a reserve asset.
💥Aviva Investors Moves Toward XRP Ledger
This milestone centers on a new partnership between Ripple and Aviva Investors, the global asset management arm of Aviva plc.
Markus Infanger, SVP of RippleX, described the development as a “genuinely huge moment” for XRPL, noting that traditional finance is increasingly moving on-chain.
Notably, Aviva Investors intends to tokenize traditional fund structures on the XRP Ledger. The move supports Ripple’s push to position XRPL as financial infrastructure for institutions rather than just a payments network.

💥“Institutional Adoption at Scale”
During XRP Community Day, Long was asked to define Ripple and XRP’s current phase in just a few words. Her response: “institutional adoption at scale.”
While concise, the statement carries weight. It suggests that Ripple expects measurable progress in enterprise usage, new partnerships, and the integration of XRP into institutional workflows before year-end.
Ripple has already begun laying the groundwork. Institutions are using XRP for cross-border payments, transaction fees, and foreign exchange bridging.
The company is also supporting the XLS-66 initiative, which aims to introduce a native lending framework on XRPL. This could enable institutions to earn yield directly on their XRP holdings.
At the same time, Ripple’s transformation of Hidden Road into Ripple Prime strengthens XRP’s role in collateral and liquidity operations.
💥Garlinghouse: XRP Is the “North Star”
Ripple CEO Brad Garlinghouse reinforced this direction at the same event, describing XRP as the “North Star” and even the “heartbeat” of Ripple’s strategy.
According to Garlinghouse, Ripple Payments, Ripple Treasury, Ripple Prime, Custody, and the RLUSD stablecoin all seek to enhance XRP’s liquidity, utility, and trust within the financial system.
Institutional interest is also evident in capital markets. Since their November launch, spot XRP ETFs have recorded cumulative net inflows of $1.23 billion, reflecting sustained demand from institutional investors.
In parallel, companies such as Evernorth, VivoPower, and Webus have added XRP to their balance sheets as a reserve asset. Remarkably, Evernorth is building what could become the largest XRP reserve globally.
With more than ten months left in 2026, Ripple’s leadership is confident that the combination of tokenization partnerships, ETF flows, lending infrastructure, and enterprise integrations could mark a turning point for XRP’s role in global finance.

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$XRP The XRP Ledger has activated the Token Escrow amendment, XLS-85, allowing users to create escrows for issued tokens.
Notably, these tokens include Trust Line Tokens and Multi-Purpose Tokens (MPTs). The feature went live on Feb. 12, exactly two weeks after securing validator approval on Jan. 30, 2026, when 30 XRP Ledger validators voted in favor, meeting the required activation threshold.
The amendment initially reached approval in mid-September 2025 with 29 validator votes, but lost momentum after support fell to 16 due to compatibility concerns with the MPT standard.
💥Key Points
XLS-85 has now gone live on the XRP Ledger two weeks after securing validator approval on Jan. 30, 2026, with 30 validator votes.
The amendment first passed in mid-September 2025 with 29 votes before dropping to 16 after compatibility issues with MPTs emerged.
The fixTokenEscrowV1 update corrected the MPT escrow accounting issues and became part of rippled v3.0.0, restoring validator confidence.
The activation of XLS-85 means that escrow now supports Trust Line Tokens and MPTs, provided issuers enable the necessary flags.
The XRP Ledger supports time-based, conditional, and combination escrows, with PREIMAGE-SHA-256 as the only supported crypto-condition type.
💥The XLS-85 Voting Turbulence
Notably, the XLS-85 amendment first reached the approval threshold in mid-September 2025 when 29 validators supported it. However, days later, support dropped to 16 votes after concerns surfaced within the validator community.
Vet, an XRPL dUNL validator, pulled his vote after he discovered an incompatibility between the Token Escrow amendment and the newly introduced Multi-Purpose Tokens (MPTs) standard. The issue affected escrow accounting for MPTs, especially around transfer fees and supply tracking.
The community developed a fix and later rolled out the solution under the name fixTokenEscrowV1. The update corrected the MPT escrow accounting issues and became part of rippled v3.0.0 and related releases.
Once the network integrated the fix, validators regained confidence in the amendment. As a result, support climbed again, and on Jan. 29, 2026, XLS-85 once more crossed the activation threshold. Two weeks later, the network has now turned it on.
After activation, Vet confirmed that Token Escrow functionality now runs on the XRP Ledger and encouraged the community to see who would become the first to escrow an issued asset.

💥Escrow Now Covers Trust Line Tokens and MPTs
With XLS-85 active, escrow functionality now extends beyond XRP to fungible tokens, including Trust Line Tokens and Multi-Purpose Tokens. Users can now lock these assets under defined conditions directly on the XRP Ledger. One such Trust Line token is the Ripple stablecoin, RLUSD.
However, issuers must first enable specific flags before their tokens can enter escrow. For Trust Line Tokens, the issuing account must activate the Allow Trust Line Locking flag. For MPTs, the issuer must enable both the Can Escrow and Can Transfer flags during token creation.
Also, issuers cannot place their own issued tokens into escrow, but they can receive escrowed tokens. When issuers receive these assets, the ledger processes the transaction just like a direct payment.
Meanwhile, for tokens that require authorization, the issuer must pre-authorize the sender before the sender creates the escrow. Further, the issuer must also authorize the recipient before the escrow can finish.
💥How Escrow Works on the XRP Ledger
According to an official XRPL developer release, the XRP Ledger supports three escrow types: time-based, conditional, and combination escrows.
Notably, time-based escrow locks funds until a defined FinishAfter time passes. Once that time arrives, anyone can complete the escrow. If the escrow includes a CancelAfter time and no one finishes it before that deadline, it expires, and anyone can cancel it. Without a CancelAfter field, the escrow never expires, and no one can cancel it.
Meanwhile, conditional escrow relies on a cryptographic condition instead of a time delay. It becomes conditionally ready immediately after creation. Anyone can finish it only by providing the correct fulfillment. However, this type must include a CancelAfter field. If the deadline passes without fulfillment, the escrow expires.
Interestingly, the Combination escrow merges both approaches. The escrow stays locked until the FinishAfter time passes. After that, it requires the correct cryptographic fulfillment before releasing funds. If a CancelAfter time passes before completion, the escrow expires.

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$XRP A resurfaced tweet from Michael J. Casey declaring “Game over” for XRP is drawing renewed attention across the crypto community.
Popular XRP influencer Digital Asset Investor recently highlighted Casey’s old tweet criticizing XRP. The post was published in December 2020 after Coinbase announced it was suspending XRP trading. Notably, the decision followed a lawsuit filed by the U.S. Securities and Exchange Commission against Ripple.
At the time, the suspension sparked widespread concern that XRP could be permanently sidelined in the U.S. market. Casey, who previously served as chief content officer at CoinDesk and now chairs DAIS Global, shared a CoinDesk article about Coinbase’s decision with the comment, “Game over.”
💥Key Points
Michael J. Casey once tweeted “Game over” after Coinbase delisted XRP following the SEC’s lawsuit against Ripple.
Meanwhile, a 2023 U.S. court ruled XRP is not a security on exchanges, leading Coinbase and others to relist it.
Resurfaced emails involving Jeffrey Epstein and Casey sparked speculation about early industry challenges for XRP.
Ripple’s CTO Emeritus, David Schwartz, called it an early crypto rivalry, not a conspiracy.
💥XRP Comeback After the SEC Battle
Despite the dire predictions, XRP did not fade away. In mid-2023, a U.S. federal court declared that XRP is not a security when sold on exchanges. Following that decision, Coinbase and several other major U.S. exchanges relisted XRP, restoring access for American traders.
The relisting marked a turning point for the asset, which had endured years of regulatory tension. The comeback became proof that the project had survived what some described as an “existential threat.”
💥Epstein Emails Resurface, Fuel Debate
Notably, these discussions emerged after emails linked to Jeffrey Epstein resurfaced online. One 2017 email exchange between Austin Hill and Epstein referenced “Michael Casey” in the context of potential project involvement.
The emails did not mention XRP directly. However, their resurfacing, combined with Casey’s past “Game over” comment, has fueled speculation among some XRP supporters that early industry dynamics may have played a role in XRP’s challenges.
💥“Grand Conspiracy”
Prominent XRP voices reacted strongly. Brad Kimes of Digital Perspectives suggested the situation resembled a “grand conspiracy.”
XRP YouTuber Zach Rector described it as a “coordinated effort” to suppress XRP, arguing that the community only ever sought a level playing field.

Earlier this month, David Schwartz, Ripple’s CTO Emeritus, also addressed the renewed Epstein-era claims. He rejected conspiracy theories, instead characterizing the issue as typical early crypto rivalry.
Meanwhile, Schwartz acknowledged that some industry figures may have made “misguided behind-the-scenes attempts” to undermine projects like Ripple and Stellar in their early days.
💥Did Early Hostility Hold XRP Back?
The renewed debate has prompted some members of the XRP Army to argue that early industry rivalries and regulatory battles slowed XRP’s growth. They believe its price, adoption, or market value might have been higher without those challenges.
While some believe there was coordinated opposition, Schwartz points to normal competitive tensions in crypto’s formative years rather than an organized conspiracy.
What remains clear is that, despite XRP’s delisting from major exchanges and its years-long legal battle, it continues to trade and remain active in the market, long after many predicted its demise. For supporters, that resilience speaks for itself.

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$XRP is now on the verge of backtesting a previous breakout from an 8-year resistance trendline, and this could trigger the reversal push.
The crypto market has continued to face bearish pressure, with the latest recovery push facing a stern roadblock. XRP also witnessed this recent setback, dropping 0.44% on Thursday, and now changing hands at $1.35 amid a 52.4% decline since Q4 2025.
However, data from the 1-month chart indicates that the ongoing downtrend is “part of the plan,” as XRP seems to be eyeing a backtest of a resistance trendline breakout. For context, this trendline forms part of a multi-year symmetrical triangle that XRP breached in November 2024. Now, a successful backtest could set the stage for a full-blown trend reversal.
💥Key Points
XRP has suffered massive losses alongside the rest of the crypto market, down 26.16% year-to-date and 52.4% since Q4 2025.
Market data indicates that the downtrend, which has persisted for five consecutive months now, may be part of a natural plan following a breakout.
XRP broke above the upper resistance trendline of a multi-year symmetrical triangle in November 2024, soaring to as high as $3.4 by January 2025.
Now, the ongoing retracement appears to be a natural effort from the market to backtest the resistance trendline.
A successful backtest of this trendline could set the stage for a bullish trend reversal, while a break back into the triangle would lead to bearish implications.
💥XRP Breaks Above the Symmetrical Triangle
This situation was recently spotlighted by Chart Nerd, a well-known market commentator, as the market grapples with the ongoing weakness. For context, the current downtrend followed an earlier bullish period, which featured a breakout from a symmetrical triangle that had capped XRP’s growth for eight years.
Notably, this triangle started forming in early 2017, as XRP soared from $0.005 in March 2017 to the peak of $3.31 by January 2018. From here, a downturn emerged, leading to consistent lower highs. Meanwhile, on the downside, XRP managed to maintain a trend of higher lows despite the price weakness at the time.

This combination of lower highs and higher lows led to the formation of a symmetrical triangle on the 1-month chart, which lingered for seven years. XRP staged a breakout above the upper resistance trendline during the November 2024 rally, with prices eventually pushing to a peak of $3.4 by January 2025 before another recovery push led to $3.66 in July 2025.
💥Market Now Attempting a Backtest
Since then, it has been downhill, with XRP currently down 63% from the $3.66 peak. With XRP seeing consistent monthly declines since October 2025, the chart data indicates that the altcoin may now be heading toward backtesting the November 2024 breakout.
Such a backtest is usually a natural market process, as it represents a necessary step to evaluate whether the breakout has enough strength to continue the previous uptrend. As a result, Chart Nerd emphasized that this backtest of the resistance trendline, which has now lingered for 8 years, was “part of the plan.”
He believes what the market needs now is a “touch-and-go” signal. This would occur only if XRP drops to “touch” the resistance trendline and then recovers from it, making the backtest successful. If this happens, Chart Nerd places the recovery target between $7.7 and $33, with multiple Fibonacci extensions, including 1.272 ($9.13), 1.414 ($15.02), and 1.618 ($30.7), existing within this range.
💥Important Caveat
However, XRP’s push toward the resistance trendline would not guarantee an automatic recovery. Notably, if the asset fails to maintain a price above the trendline and instead breaks back into the triangle, this would invalidate the bullish structure. In this case, further declines could emerge within the triangle.

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$XRP A former U.S. Army combat medic and entrepreneur has suggested that XRP could overtake Bitcoin as the largest crypto asset over the next six years.
This bold forecast came from Patrick L. Riley, who calls himself an acquired savant on X. Riley has persistently made bullish statements surrounding XRP, especially considering institutional adoption and price action, insisting that XRP has the potential to replace Bitcoin at the top.
💥Key Points
Since it kick-started the cryptocurrency market in 2009, Bitcoin has remained the largest asset in the space, maintaining a large gap with others.
While XRP still holds a much lower valuation than Bitcoin, XRP community figures have insisted that the altcoin has the potential to overtake the premier crypto asset.
Patrick L. Riley, an American veteran and XRP community influencer, believes XRP could take the no. 1 spot from Bitcoin within six years.
Currently, XRP changes hands at $1.42, with its $86 billion market cap far below Bitcoin’s valuation of $1.378 trillion.
XRP would have to rise to $22.6 to claim the $1.378 trillion market cap that would allow it challenge BTC for the top spot.
💥Bitcoin’s Current Market Position Relative to XRP
Riley’s latest comments come on the back of the ongoing market downturn that has pushed Bitcoin’s market value from an all-time peak of $2.52 trillion in October 2025 to the current $1.37 trillion. This indicates that Bitcoin has lost $1.15 trillion since the current downtrend began in Q4 2025.

Despite this, Bitcoin still maintains a large gap of more than $1 trillion between second-placed Ethereum at $242 billion. As for XRP, the market turbulence pushed its valuation from the $216 billion peak in July 2025 to the current $85.83 billion. With this, Bitcoin is nearly 16x larger than XRP.
💥Could Bitcoin Drop to $1,000?
Still, Riley believes XRP has the potential to overtake Bitcoin. In his recent commentary, the market commentator first called attention to three trendlines that have guided Bitcoin’s price action since launch. The first trendline, a red one, emerged when Bitcoin launched, while the second one, a green trendline, sprang up in 2014, essentially 12 years ago. The third purple trendline came up after the December 2017 peak.
Notably, Bitcoin slipped below the 12-year-old green trendline when it dropped from the September 2021 high of $69,000. Since then, Bitcoin has failed to reclaim this trendline despite hitting a new all-time high of $126,000 in October 2025. For BTC to push above this trendline, its price must rise toward the $600,000 area, a 776% increase from here.
Amid the ongoing downtrend, Bitcoin has even slipped below the red trendline, which acted as support until late January this year. According to Riley, it is imperative that Bitcoin reclaims the green stationed around $600,000. According to him, if the premier crypto asset fails to do this, its price could drop to $1,000, representing a 98% crash.
💥XRP to Take Top Spot in 6 Years?
Speaking further, Riley argued that whether Bitcoin reclaims the trendline at $600,000 or drops to $1,000, XRP could still take the top spot from it. He suggested that this could happen within six years, putting the deadline in 2032.
According to him, once XRP becomes the top crypto asset, this development would relegate Bitcoin to a mere “nostalgia collectible.” With BTC boasting a market cap of $1.37 trillion, XRP would have to rally to $22.6 per token to challenge it for the top spot. This would represent a 1,491% increase from the current price of $1.42. However, such an event remains highly speculative.
Riley has been known in the XRP community for making such audacious claims. For instance, last week, he suggested that Adam Back was Bitcoin’s enigmatic creator, Satoshi. Also, last month, he claimed that the Bitcoin price crash was an orchestration to prevent XRP’s price from breaking out.

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$XRP Binance has officially completed the integration of Ripple USD (RLUSD) on the XRP Ledger (XRPL), another milestone in Ripple’s expanding stablecoin strategy.
According to a February 12 announcement, deposits for RLUSD on the XRP network are now open. Withdrawals will be enabled once sufficient liquidity is available on the platform.
The update confirms that RLUSD is now live on XRPL within Binance’s infrastructure, strengthening the link between Ripple’s regulated stablecoin and the XRP ecosystem.
💥Key Points
Binance completes RLUSD integration on the XRP Ledger, enabling deposits.
Ripple exec Reece Merrick reacts, calling the move a major step forward.
RLUSD expands from Ethereum to XRPL, deepening XRP liquidity links.
Analysts say the update could boost XRPL activity and utility.
💥Ripple Executive Reacts: “Let’s Go”
Reece Merrick, Ripple’s Managing Director for the Middle East & Africa, reacted enthusiastically to the development. In a post on X, Merrick wrote “Let’s go,” celebrating Binance’s completion of RLUSD integration on the XRP Ledger network.
His reaction reflects Ripple’s internal delight as RLUSD expands across major exchanges and networks.
Meanwhile, prominent XRP community analyst EGRAG described the update as “very big”. The comment suggests market participants see deeper implications beyond just deposits going live.

💥From Ethereum First to XRPL Now
The latest move builds on Binance’s earlier listing of RLUSD. When Binance first announced support for the stablecoin in January, initial integration was on Ethereum. Supported trading pairs included RLUSD/U, RLUSD/USDT, and XRP/RLUSD.
At the time, Ripple CEO Brad Garlinghouse subtly reinforced XRP’s importance in a celebratory post. He described the listing as “eXtRemely Positive,” deliberately capitalizing X, R, and P — a stylistic nod widely interpreted as reaffirming XRP’s central role in Ripple’s strategy.
That message came amid community concerns that RLUSD’s expansion could overshadow XRP. However, Ripple leadership has repeatedly emphasized that XRP remains foundational to the company’s long-term vision.
💥Why the XRP Ledger Integration Matters
With Binance now completing RLUSD’s integration on the XRP Ledger itself, the ecosystem impact could be significant. The presence of RLUSD on XRPL within the world’s largest crypto exchange may:
Increase on-chain activity on the XRP Ledger
Strengthen liquidity in the XRP/RLUSD trading pair
Expand RLUSD’s utility in cross-border and institutional flows
Notably, RLUSD is a compliance-focused, enterprise-grade stablecoin. Its expansion into Binance’s deep liquidity pools shows that institutions are becoming more comfortable with Ripple’s ecosystem.
For XRP holders, the development may represent more than a technical update. As EGRAG put it, this is “very big.”

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$XRP Widely followed financial commentator Coach JV has described XRP and Bitcoin as trading at “legacy discounts” ahead of 2030.
In a recent post, JV argued that years from now, many investors will regret sitting on the sidelines. The statement comes amid volatility across the crypto market, where XRP recently experienced sharp swings that tested investor conviction.
Notably, XRP’s price crashed to $1.11 this month and continues to trade over 60% below its 2025 peak.

💥Key Points
Coach JV sees XRP and BTC as “legacy discounts” ahead of 2030.
XRP fell to $1.11, over 70% below its 2025 peak.
JV says “wealth is built in fear,” urges DCA in downturns.
Analysts see major upside by 2030 despite volatility.
💥“Wealth Is Built in Fear”
Coach JV has consistently emphasized accumulation during downturns rather than chasing momentum during rallies. His latest comments reinforce that approach.
Earlier this month, he publicly disclosed buying XRP during the steep sell-off that pushed the token down toward $1.11. While many traders turned cautious, JV revealed he was dollar-cost averaging (DCA) into positions across XRP, Bitcoin, and WLFI.
At the time, XRP had dropped more than 30% from monthly highs, triggering widespread fear across the market. Yet JV maintained that emotional reactions during red markets often create the very opportunities long-term investors seek.
He calls for disciplined accumulation during uncertainty to build long-term wealth. “Wealth is built in fear,” he said.
💥Transparency Around XRP Dip Buys
During the downturn, JV shared screenshots showing multiple purchases, including thousands of dollars allocated to XRP across two separate entries.
While some questioned the size of the buys relative to his public profile, JV responded that deploying capital gradually reduces regret and improves long-term positioning.
Rather than attempting to time an exact bottom, he argued that buying on the way down and even on the way up creates a more balanced approach.
Notably, XRP rebounded nearly 40% after bottoming near $1.11, briefly rewarding those who accumulated during peak fear.
💥Public Figures Accumulating XRP
Coach JV is not alone. Media personality Patrick Bet-David also confirmed increasing his exposure to XRP during the recent crash. He stated that buying dips is emotionally difficult but strategically necessary for long-term investors.
💥The 2030 Vision
Several XRP commentators have projected substantial upside before 2030. Analyst 24hrscrypto recently stated that while XRP may not be near $100 today, he believes it could reach that level before the end of the decade.
Other educators point to institutional adoption, on-chain financial infrastructure, and regulatory clarity as long-term catalysts.
Meanwhile, some asset managers project XRP in the double-digit range by 2030 under standard growth assumptions. More aggressive models extend higher under optimal conditions.
Ultimately, while critics argue that markets could see further downside, supporters view pullbacks as generational buying windows.

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