Did XRP Just Build the First Private Layer for Bank TransactionsPrivacy was the one thing institutions could not work around on public blockchains. Banks cannot expose transaction sizes. Treasurers cannot expose positions. Compliance teams cannot reveal client identities in open ledgers. That constraint has kept institutional adoption of public blockchains limited, until now.
The XRP Ledger has quietly become the first public blockchain with a functioning native privacy layer built for institutional use. It happened in two moves that most people missed. Ripple news today connects dots that change how XRPL should be understood entirely.
What Actually Happened on XRPL
On March 25, 2026, DNAOnChain executed the first-ever zero-knowledge proof transaction on the XRP Ledger testnet. Real genomic data was verified on-chain. Zero information was exposed. That was the proof of concept. Then in April 2026, XRPL integrated Boundless, a zero-knowledge proving network. That brought native ZK proof verification directly to the ledger at the protocol layer.
The mechanics are straightforward but powerful. Sensitive data is converted into a cryptographic ZK proof. The proof is verified on-chain. The original data is never exposed. In practical terms, a bank can prove KYC compliance without revealing a client’s passport. A treasurer can prove sufficient funds without revealing a balance. A hospital can verify a patient identity without exposing medical records.
DNAOnChain did not stop at one transaction. They deployed a full identity infrastructure on XRPL with five core functions: ZK proof verification execution, on-ledger identity settlement, proof-based access control, protocol-level economic incentives, and privacy-preserving finality.
Why This Changes XRPL’s Institutional Value Proposition
The institutional traction on XRPL was already building before this development. SBI Holdings in Japan, Zand Bank in the UAE, Archax in the UK, and Guggenheim Treasury Services in the U.S. have collectively deployed over $550 million. All across the XRPL ecosystem initiatives. Ripple President Monica Long had previously identified decentralized digital identity as a major use case for the XRP Ledger. DNAOnChain made that vision operational. There is also a forward-looking security dimension. ZK proofs are built on cryptography considered quantum-resistant or upgradable to post-quantum standards. It gives XRPL a security architecture that Bitcoin and Ethereum’s current frameworks do not offer.
Ripple Prime Adds $200M in Institutional Firepower
Meanwhile, Ripple announced a $200 million debt facility from Neuberger Specialty Finance. The asset-based investment arm of Neuberger, which manages $570 billion globally. The facility supports Ripple Prime, the institutional prime brokerage platform acquired for $1.25 billion in 2025. That has tripled revenue year over year since the acquisition.
Noel Kimmel, President of Ripple Prime, was direct about the purpose. “This facility enables us to grow alongside our clients by delivering increased margin capacity, greater responsiveness, and improved capital efficiency,” he said.
What This Means for Investors and Developers
For XRP investors, these two developments together- native ZK privacy and a $200 million institutional lending facility. It represents XRPL expanding from a payments rail into a full-stack institutional financial infrastructure platform. For developers, XRPL now offers something no other public blockchain provides at the protocol level. Confidential transfers, decentralized identity, KYC compliance, and ZK proof verification in a single integrated environment. The build surface just expanded dramatically. XRP is currently trading at $1.45, up 0.32% in 24 hours. The privacy layer underneath it just became significantly more valuable.
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Ripple Plans A Future-Proof XRP Ledger Against Quantum ThreatsThe race against quantum computing has officially begun. As blockchain technology grows stronger, so do the risks that threaten its foundation. Ripple has stepped forward with a bold vision. The company now plans to transform the network into a Quantum-resistant XRP Ledger before the decade ends. This move signals urgency and long-term thinking.
Quantum computing does not pose an immediate danger today, but experts expect rapid breakthroughs. These machines could break traditional cryptographic systems that secure blockchain networks. Ripple acknowledges this risk and aims to stay ahead. Its roadmap does not just react to threats. It prepares for a future where quantum attacks become real.
The plan introduces a structured approach with four phases. Each phase addresses a specific layer of risk and readiness. Ripple also includes an emergency backup strategy called Q-Day readiness. This step ensures the network can react quickly if the quantum computing threat accelerates faster than expected.
Understanding The Rising Quantum Computing Threat In Crypto
Blockchain security depends on cryptographic algorithms. These algorithms protect wallets, transactions, and identities. Today’s systems rely on mathematical problems that classical computers cannot easily solve. However, quantum machines could change that balance completely.
The quantum computing threat focuses on breaking private keys. Once compromised, attackers can access funds without permission. This risk applies to many blockchains, including XRP. Ripple recognizes that waiting could expose users to massive vulnerabilities.
The urgency grows as research advances in quantum technology. Governments and tech giants invest heavily in this field. That makes the transition to post-quantum cryptography not just optional, but necessary. Ripple’s proactive stance reflects this growing industry concern.
Ripple’s Four-Phase Plan To Build A Safer XRP Ledger
Ripple has outlined a clear roadmap to achieve a Quantum-resistant XRP Ledger. The strategy focuses on gradual transformation instead of sudden disruption. The first phase begins with research and testing. Ripple will evaluate quantum-safe cryptographic algorithms. This step ensures compatibility with existing systems. Developers will also analyze performance impacts during this stage.
The second phase introduces optional upgrades. Users and developers can adopt new security features voluntarily. This stage allows the ecosystem to adjust without pressure. It also helps identify potential challenges early. The third phase moves toward wider adoption. Ripple will encourage migration to quantum-safe accounts. The network will start favoring stronger cryptographic standards. This stage strengthens overall security without forcing immediate changes.
The final phase completes the transition. At this point, the XRP Ledger upgrade becomes fully quantum-resistant. Legacy systems will phase out, ensuring maximum protection against future risks.
Why Ripple’s Strategy Signals A Broader Industry Shift
Ripple’s initiative highlights a growing trend across the blockchain space. More projects now recognize the quantum computing threat as a serious concern. This move could influence other networks to act faster. If Ripple succeeds, it may set a benchmark for quantum readiness. Competitors might follow similar paths to remain secure.
The push for post-quantum cryptography will likely accelerate innovation. It could also lead to new standards across the industry. This shift ensures that blockchain technology evolves alongside emerging risks.
The Road Ahead For A Quantum-Resistant XRP Ledger
Ripple’s roadmap extends to 2028, but the journey starts now. Each phase builds toward a secure and future-ready network. The Quantum-resistant XRP Ledger represents more than an upgrade. It reflects a long-term vision for blockchain resilience.
The success of this plan depends on execution and adoption. Users, developers, and validators must support the transition. Collaboration will ensure a smooth shift toward stronger security.
As quantum technology advances, the crypto industry must adapt. Ripple has taken an early step in that direction. Its proactive approach could shape the future of blockchain security.
XRP Price Prediction: Analyst Sees Bullish Structure IntactXRP slipped below $1.46 over the weekend, a level that analysts had flagged as the most critical line for the token heading into the final stretch of April. The move was not entirely unexpected on the charts, but the catalyst that pushed it through was geopolitical rather than technical.
The important support to watch now is $1.41. As long as XRP holds that level, the analyst believes a broader bullish structure remains intact. Below that, $1.37 represents the 30-day rolling VWAP, a level that could come into play if genuinely bad news hits. A move all the way back to $1.31 is considered unlikely under current conditions.
To the upside, reclaiming $1.46 is the prerequisite for any meaningful rally. A clean break above that level would open the path toward $1.55 to $1.57.
The Short-Term Expectation
The honest near-term outlook is one of range-bound consolidation. The analyst described the most likely scenario as XRP drifting lower within the $1.35 to $1.46 range, finding support somewhere in that band, stabilising and then potentially mounting another attempt at the upper boundary.
A breakout above $1.46 remains possible but would require a continuation of the bullish fundamentals seen last week, including strong XRP ETF inflows and improving sentiment. Negative Bitcoin funding rates and the current uncertainty environment make that combination less likely in the immediate term.
What Is Working in XRP’s Favour
Despite the short-term weakness, several factors are pointing in the right direction. XRP ETF flows came in strongly last week. The XRP to Bitcoin ratio appears to have bottomed, which the analyst described as a meaningful signal for the token’s relative strength going into May.
The fundamentals, he said, are uncertain rather than negative. That distinction matters. Uncertain conditions can resolve either way. The bias for later in April and into May remains cautiously bullish if the macro environment cooperates.
Evernorth Advances XRPN Nasdaq Listing with XRP TreasuryEvernorth has filed an updated Form S-4 with the U.S. Securities and Exchange Commission, clearing a key step in its merger with Armada Acquisition Corp II. The objective is to go public on Nasdaq under the ticker XRPN, marking a significant milestone in the process.
This filing is more than just paperwork—it represents regulatory progress, transparency, and alignment with U.S. securities laws. For investors, such steps reduce uncertainty and signal that the company is moving closer to becoming a publicly traded entity.
A New Institutional Model Built Around XRP
The merged company is expected to operate as a treasury firm centered on XRP. Instead of focusing purely on services or infrastructure, it will hold XRP as a core balance sheet asset—similar to how some public companies hold Bitcoin.
Backed by support from Ripple Labs, the strategy includes building large-scale XRP reserves and deploying capital in a structured way. This positions XRPN as a potential institutional gateway, offering indirect exposure to XRP through traditional equity markets.
Such a model could appeal to investors who want crypto exposure but prefer regulated, stock-market-based instruments over direct token ownership. It also strengthens XRP’s narrative as a long-term financial asset rather than just a transactional token.
Market Impact and the Bigger Financial Shift
If the Nasdaq listing is completed, it could have meaningful implications for XRP. A publicly traded treasury company holding large reserves may reduce circulating supply while simultaneously increasing accessibility for investors. This combination can influence both liquidity and price dynamics over time.
More broadly, this move reflects a growing trend—crypto assets integrating into traditional financial structures. Public companies holding digital assets are becoming more common, and each new entrant strengthens the bridge between Wall Street and blockchain.
The bigger picture is clear: the lines between crypto and traditional finance are fading. Evernorth’s XRPN initiative is not just another listing—it’s part of a structural shift in how investors access and interact with digital assets.
XRP Adoption Accelerates With Record Holders And Rising Network The crypto market has entered another phase of renewed optimism, and XRP stands at the center of this momentum. Recent on-chain data reveals a powerful shift in user activity and investor interest. The XRP network growth continues to gain traction as key metrics hit levels not seen in weeks.
Data from Santiment shows that the XRP Ledger recorded a sharp increase in daily participation. Active addresses climbed to a five-week high, signaling stronger engagement from both retail and institutional players. This surge reflects growing confidence in the network’s long-term potential.
At the same time, XRP’s price performance adds to the bullish narrative. The token jumped more than 14 percent and moved above the $1.60 mark. This combination of rising price and expanding network activity suggests that the current rally may have stronger fundamentals than previous short-term spikes.
Active Addresses Spike as User Engagement Strengthens
One of the clearest indicators of XRP network growth lies in the rise of active addresses. The network recorded 46,767 active addresses, marking its highest level in over a month. This increase signals that more users actively interact with the blockchain, not just holding assets but also transacting.
A rise in XRP active addresses often reflects genuine demand rather than speculative hype. Users engage with the network for payments, transfers, and decentralized applications. This trend shows that XRP continues to build utility beyond simple price movements.
Growing participation also strengthens network security and liquidity. When more users interact with the ecosystem, it creates a healthier environment for sustained expansion. This development supports the broader narrative of increasing XRP adoption across different use cases.
XRP Price Surge Reflects Strengthening Market Sentiment
The recent XRP price surge adds another layer of momentum to the story. The token climbed over 14 percent and crossed the $1.60 level, attracting fresh attention from traders and analysts. This move signals renewed bullish sentiment across the crypto market.
Price growth backed by strong on-chain activity often proves more sustainable. In this case, XRP network growth aligns closely with its price movement. This alignment suggests that the rally builds on real demand rather than temporary speculation.
Traders now watch key resistance levels closely. If XRP maintains its current momentum, it could push toward higher price zones. However, market volatility remains a factor, and short-term corrections may still occur.
Can XRP Maintain This Momentum Going Forward
The big question now revolves around sustainability. Can XRP maintain its current growth trajectory, or will the momentum slow down? While the recent data looks promising, the crypto market often experiences rapid changes.
Continued growth in XRP active addresses and holder count will play a critical role. If these metrics keep rising, they could support further price appreciation. On the other hand, a decline in activity might signal weakening momentum.
Market conditions will also influence XRP’s path. Broader crypto trends, macroeconomic factors, and investor sentiment all shape future performance. Despite these variables, the current data points toward a strong foundation.
Final Takeaways On XRP’s Latest Breakout
XRP stands out as one of the most active assets in the current crypto cycle. The combination of rising activity, growing adoption, and a strong price rally creates a compelling narrative.
The latest surge in XRP network growth shows that the asset continues to attract both users and investors. As long as these trends remain intact, it could maintain its position as a key player in the evolving digital asset landscape.
XRP/USD — Consolidation Continues as Market Waits for Breakout XRP/USD remains inside a long-term descending channel, although price action has stabilized recently within a narrow consolidation range of 1.4400–1.3350. The pair has not yet confirmed a breakout, indicating that traders are waiting for new market catalysts before committing to a directional move.
⸻
Market Structure
The broader trend remains bearish, but the current consolidation may act as a flag pattern, which often precedes the continuation of the prevailing trend.
Technical indicators show mixed signals:
• Bollinger Bands: Flat (low volatility phase)
• Stochastic: Turning upward (short-term bullish momentum possible)
• MACD: Stable in negative territory
• Weekly Bollinger Bands: Still pointing downward
Overall, the structure suggests the market is compressing before a larger move.
⸻
Key Levels
🔹 Resistance
• 1.6420
• 1.9531
• 2.3437
🔹 Support
• 1.1718
• 0.7812
• 0.5859
⸻
Trading Plan
🔻 Primary Scenario — Bearish Continuation
• Sell below: 1.1718
• Entry: 1.1700
• Targets: 0.7812 → 0.5859
• Stop-loss: 1.4450
• Timeframe: 5–7 days
A confirmed breakdown below 1.1718 would signal a continuation of the broader downtrend.
🔺 Alternative Scenario — Trend Reversal
• Buy above: 1.6420
• Entry: 1.6440
• Targets: 1.9531 → 2.3437
• Stop-loss: 1.4200
A sustained move above the 1.5625–1.6420 resistance zone would invalidate the bearish setup and open the path toward higher Fibonacci targets.
⸻
Outlook
XRP remains trapped in a consolidation phase inside a larger bearish structure. Until the market breaks either 1.1718 support or 1.6420 resistance, price action is likely to remain range-bound.
Bias: Bearish within the broader trend
Breakout trigger: 1.1718 or 1.6420
XRP/USD — Bearish Structure Holds Below 1.37XRP/USD continues to trade within a descending channel, extending its pullback in line with broader market weakness. The pair is hovering near 1.3671 (Murray ), a pivotal level that price has so far struggled to reclaim sustainably.
⸻
Macro Pressure Weighs on XRP
Digital assets remain under pressure due to:
• Elevated geopolitical risk (US–Iran tensions)
• New 15% US import tariffs adding trade uncertainty
• Rising probability of prolonged restrictive Fed policy
• January unemployment at 4.3%, inflation still above target
Additional selling pressure emerged after 31M XRP were transferred to Binance, typically associated with potential distribution. While Ripple ETFs recorded modest inflows ($2.25M), sentiment remains weak:
• Fear & Greed Index: 11 (extreme fear)
Regulatory clarity via the CLARITY Act remains delayed, limiting upside catalysts.
⸻
Technical Structure
• Trend: Long-term bearish (descending channel intact)
• Bollinger Bands: Flattening (short-term consolidation)
• MACD: Negative territory
• Stochastic: Near oversold
• Weekly bias: Bearish (Bands trending lower)
⸻
Key Levels
🔹 Support
• 1.3671
• 0.9765
• 0.7812
🔹 Resistance
• 1.6420
• 1.9531
• 2.3437
⸻
Trading Plan
🔻 Primary Scenario — Breakdown Continuation
• Sell below: 1.3671
• Entry: 1.3220
• Targets: 0.9765 → 0.7812
• Stop-loss: 1.5700
• Time horizon: 5–7 days
A confirmed consolidation below 1.3671 reinforces bearish continuation.
🔺 Alternative Scenario — Reversal Setup
• Buy above: 1.6420
• Entry: 1.6500
• Targets: 1.9531 → 2.3437
• Stop-loss: 1.4200
A breakout above 1.6420 would invalidate the channel structure and signal a medium-term shift.
⸻
Outlook
Until XRP reclaims 1.5625–1.6420, the broader structure favors sellers. The 1.3671 level remains the key trigger.
Bias: Bearish below 1.6420
Invalidation: Sustained move above 1.6420
XRP’s move towards Wave 5 Last night was brutal.
Hopefully none of you were caught up in that crazy dump.
Gold and silver were at all-time highs when sell-offs amounting to over $3 trillion occurred in a matter of minutes.
It was bound to happen.
Stocks and crypto also lost hundreds of billions.
But guess what, you XRP HODLers? It only means we are getting much closer to that pivot point we have been eagerly waiting for.
It pays to be patient
XRP’s chart looks close to a bounce.
Zooming out we see long-term support at around the $1.61 mark. This has already been tested twice back in April 2025 and October 2025.
It offers the perfect bounce set-up for the next leg up.
Elliott wave breakdown
XRP completed its Wave (4) correction at $1.94 following the most recent down trend. It respected the classic 38.2% Fibonacci retracement from Wave (3)'s lowest wick.
Following the recent sharp sell-off, we now may be completing Subwave (iii) of Wave (5).
Zooming into the smaller time frame we can chart Wave (5)’s Subwave (i) exhibiting a sharp drop post Wave (4)’s $1.94 to $1.86. This is followed its Subwave (ii)’s brief pop to $1.89.
We are currently thrusting lower into Wave (5)’s Subwave (iii), which should be the longest among its Elliot sub waves. This is estimated to extend down to $1.69.
Its Subwave (iv) could be at the $1.71 area before heading further down to complete Subwave (v) at $1.61.
This completes the larger Wave (5) and aligns with key long-term support of $1.61, which again has been tested twice last year.
Expect a bounce to the upside once price touches this area.
Price Targets & Invalidations
XRP’s daily Stochastic RSI’s %K line has been dipping in and out below the 20 range since January 16, 2026. An upward move is coming soon but patience is required while the Elliot Waves reach its completion.
Invalidation is a break below $1.45.
If everything plays out however, expect a short bounce from around $1.61 to $2.10. Price target to $2.45 comes next.
CLARITY Act Could Unlock Ripple’s Bank CharterRipple is playing the center stage of regulation in crypto in the U.S. The recent post notes that the enactment of the Digital Asset Market CLARITY Act into law became an important move that can accelerate the banking ambition of Ripple. In particular, the focus has changed to Ripple National Trust Bank (RNTB). This proposed organization would run on a national trust bank charter. That would be a significant change in the position of Ripple. Consequently, the holders of XRP are keeping a close eye.
Ripple Bank Charter in the World
Ripple already submitted an application in the form of a national trust bank. The software is aimed at a trust service and not conventional retail banking. But the consequences are much further than custody. An effective charter might have a direct connection to Federal Reserve payment rails. Thus, Ripple would minimize the use of intermediaries. It would also enhance the compliance status within the U.S. financial systems. XRP, in its turn, can become much more involved in regulated payments.
CLARITY Act
The CLARITY Act will establish a clear jurisdiction between SEC and CFTC. It would also standardize the classification of digital assets. Regulatory ambiguity would reduce rapidly in case it was signed into law. Such transparency may eliminate hurdles that delay the process of charter approvals. As a result, the RNTB application by Ripple might be taken through regulators with ease. Nevertheless, the legislation is not signed yet, as of February 12, 2026. Timing remains uncertain.
Entering Post-SEC Strategy
This is a step that is in line with the broad strategy of Ripple that had a long struggle with SEC. Instead of opposing regulation, Ripple is swimming into it. The company is aggressively establishing itself within the American financial structure. The change would be formalised by banking status. In the meantime, the XRP would have a better chance of receiving more favorable legal treatment and have more institutional credibility. Such a consensus may alter the perceptions of the banking and business sectors towards the concept of XRP-based infrastructure.
The markets are measured despite the optimistic atmosphere. Traders know the distinction between speculation and law. Nothing will be guaranteed until the CLARITY Act is signed. It is still subject to several regulatory gates. Even so, the setup is clear. Policy momentum is building. Ripple is prepared. For XRP, this is not hype. It is a regulatory turn taking in developments.
XRP/USD — Bearish Structure Intact Below 1.37XRP remains locked in a long-term downtrend. The early-year corrective rally toward 2.3437 (Murrey , 38.2% Fib) failed to generate follow-through, and sellers quickly regained control. Price recently printed a November 2024 low at 1.1175, before staging a limited rebound toward 1.3671 (Murrey ).
The broader structure continues to favor the downside. A confirmed break below 1.3671 would reinforce bearish continuation toward 1.1718 (Murrey ), with extension risk toward 0.7812 (Murrey ).
On the upside, bulls must reclaim 1.6420 (61.8% Fib + Bollinger midline) to invalidate the bearish channel. A sustained move above this level would expose 1.9531 (Murrey ) and 2.3437 (Murrey ).
⸻
Technical Overview
• Bollinger Bands: Expanding downward
• MACD: Strengthening in negative territory
• Stochastic: Rolling over near overbought
• Structure: Lower highs, lower lows
Bias remains bearish while below 1.6420.
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Key Levels
Resistance:
1.6420
1.9531
2.3437
Support:
1.3671
1.1718
0.7812
⸻
Trading Plan
🔻 Primary Scenario — Bearish Continuation
• Sell below: 1.3671
• Targets: 1.1718 → 0.7812
• Stop-loss: 1.5100
• Timeframe: 5–7 days
🔺 Alternative Scenario — Trend Reversal Attempt
• Buy above: 1.6420
• Targets: 1.9531 → 2.3437
• Stop-loss: 1.4200
Buy XRPUSD Crypto currency XRPUSD (4H) – Technical Chart Observation
An interesting technical development is forming on the XRPUSD 4-hour chart.
Price recently executed a clear liquidity sweep near the $87.1 level, taking out the recent lows before showing a sharp reversal. This move often precedes a shift in momentum as trapped positions are cleared.
The subsequent bounce has been notable, with price now challenging the structure above. A clear fair value gap or imbalance zone is visible on the ascent, which could act as a natural magnet for price if the bullish reaction continues.
This presents a classic price action scenario: a sweep of lows followed by a reclaim, suggesting a potential shift in near-term market structure. The reaction around the current zone will be key for determining the next leg.
#XRP #XRPUSD #Crypto #TechnicalAnalysis #PriceAction #LiquiditySweep #TradingView #Chart
XRP Relative Strength – UpdateRelative strength across crypto is beginning to diverge, and the signal is emerging through the ETH pair first.
XRP / BTC (Daily)
XRP continues to underperform Bitcoin in relative strength
RSI remains flat, reflecting a lack of broad confirmation
Volume is showing early stabilization, but leadership has not shifted
Bitcoin remains the gatekeeper for full market confirmation
XRP / ETH (Daily)
XRP has reclaimed relative strength versus Ethereum
Price closed above daily structure, signaling early leadership rotation
Momentum and participation are improving ahead of BTC confirmation
This is a common sequence during early rotation phases:
ETH-relative strength often turns first
BTC confirmation typically lags
⭐ Final Clarity Note ⭐
Until XRP/BTC confirms, this remains selective strength, not a broad regime change.
Structure will continue to lead the read.
Ripple Partners With Riyad Bank Innovation Arm in Saudi ArabiaRipple has announced a new partnership with Jeel Movement. It’s the innovation arm of Riyad Bank to expand blockchain use in Saudi Arabia. The agreement was shared by Ripple Middle East and Africa Managing Director, Reece Merrick. The two sides will work together to explore blockchain solutions for real financial use cases.
Their focus will include cross border payments. Including digital asset custody and tokenization. The move aligns with Saudi Arabia Vision strategy. This seeks to modernize the economy and expand its digital and fintech sectors.
Strategic Collaboration to Modernize Finance
Jeel Movement operates as Riyad Bank’s technology and innovation unit. Riyad Bank is one of the largest banks in the Kingdom. With this, Ripple and Jeel will test and develop blockchain tools for Saudi financial services.
The company plans to study how blockchain can make international payments faster and cheaper. They will look at secure storage for digital assets. Also, the ways to tokenize real world assets. Reece Merrick said Ripple is excited to help shape Saudi Arabia future financial system. He added that the Kingdom is building a strong base for digital transformation and modern infrastructure.
Support for Saudi Vision 2030 Goals
The Saudi Arabia Vision strategy aims to reduce the country’s reliance on oil while simultaneously expanding its digital economy. In this context, blockchain fits directly into that plan by improving transparency. Furthermore, it creates value by cutting costs and speeding up financial transactions. This partnership supports those goals by bringing enterprise blockchain tools into the banking sector. In doing so, it demonstrates growing confidence in regulated digital assets.
Saudi authorities have already promoted fintech sandboxes and digital banking programs. Now, Ripple and Jeel are pushing deeper into real world use. The focus is not on experiments only. Instead it is on production level systems that can support the national economy.
Jeel’s Role in Fintech Innovation
Jeel Movement launched in 2023 as Riyad Bank innovation arm. It works with fintech firms and technology partners to modernize banking services. Previously, Jeel partnered with firms like Mambu for cloud banking and Synpulse for wealth platforms. Also, It worked with Fintech Saudi and global tech providers.
Jeel’s mission is to test new financial models and bring them into daily banking. Notably, with Ripple as a strategic partner, Jeel will add blockchain tools to this strategy. Specifically, this integration includes payments, custody, and tokenized assets. Furthermore, Jeel acts as a bridge between startups, banks, and regulators to ensure a compliant and innovative financial ecosystem.
Ripple Expands Its Middle East Presence
Ripple continues to grow in the Middle East. It already works with banks and payment firms across the region. The company also supports central bank projects and regulated stablecoin systems. This new deal strengthens its position in Saudi Arabia. Which is one of the region’s largest markets.
The XRP Ledger may serve as a base layer for payment flows and asset transfers. Specifically, this could help with high-volume remittances and business settlements. Furthermore, over time, it may support tokenized securities or trade assets.
Indeed, this partnership shows a clear shift toward institutional blockchain use. Furthermore, it reflects Saudi Arabia’s growing role in global fintech. As projects move from testing to live systems, the Kingdom moves closer to its Vision goals.The deal with Ripple marks another step in that journey.
RippleX Develops Zero Knowledge Proofs for Privacy on XRPLRipple is working on a big upgrade for the XRP Ledger. Its developer team RippleX is building zero knowledge proofs also called ZK-proofs. The goal is simple: make XRPL more private, more secure and more powerful for real world use.
This is not just an idea on paper. RippleX says this work is already in the research and testing stage. In Ripple’s Onchain Economy video series, Aanchal Malhotra, Head of Research at RippleX, said ZK-proofs are now a top priority for the team. In short, Ripple wants XRPL to stay fast and cheap. But also become smarter and more private.
What Are Zero Knowledge Proofs?
Zero knowledge proofs let you prove something is true without sharing the actual data. Think of it like this. You want to prove you are over 18. Instead of showing your full ID, a ZK-proof can confirm your age without revealing your birthday or name. In crypto, this means users and businesses can prove things like balances, payments or rules without exposing private details. This gives privacy without breaking trust.
What RippleX Is Actually Building
XRPL was created long before ZK technology became popular. So RippleX is not just adding a plugin. They are designing a custom system that fits XRPL’s structure. Their plan uses a hybrid model. Some ZK features will be built directly into XRPL for speed and safety. Other ZK tools will live in a programmable layer so developers can choose what works best for their apps. This gives flexibility. One app may need strong privacy. Another may need fast verification. RippleX wants both to work smoothly.
Why This Upgrade Is Important
First, it brings real privacy. Not hidden activity, but smart privacy. Businesses can share only what is needed with banks, auditors or regulators. The rest stays private. Second, it improves cross-chain security. Today, many crypto bridges rely on trusted middlemen. ZK-proofs replace trust with math. The system checks proofs instead of trusting people. Third, it helps scaling. Heavy work can run on Layer-2 networks. These systems send small proofs back to XRPL. XRPL stays fast and simple, while apps become more powerful.
The Big Picture for XRPL
RippleX is moving ZK-proofs from research into real testing. The plan is to give XRPL:
Better privacy for users and businesses
Safer cross-chain transfers
A path for advanced apps without slowing the network
XRPL will stay focused on what it does best fast settlement and low fees. But now it can also support modern Web3 apps, private finance and secure global payments. This is how Ripple wants to build the next version of the on-chain economy. Simple, fast and finally private. Privacy is no longer a bonus feature. It is becoming a core part of blockchain and RippleX is making sure XRPL is ready for that future.
Ripple Urges SEC to Abandon Decentralization as a Legal TestRipple Labs submitted a formal letter to the SEC’s Crypto Task Force, urging regulators to move away from the subjective decentralization test often used to classify digital assets under securities law. The company contends that decentralization is a vague and ever-changing concept, making it a weak basis for deciding whether a crypto token is a security under the law.
In its submission, Ripple called for a clear, rights-based regulatory framework that focuses on legal rights and enforceable obligations rather than vague technical criteria.
The company pointed out that decentralization is not a binary state, but rather exists as a spectrum. It depends on a range of factors like who contributes code, how nodes are spread out, who participates in governance, and the token’s economic model, all of which can change as a network evolves.
Ripple claims that using decentralization as a test can lead to two types of errors. False negatives occur when risky assets look decentralized enough to avoid regulation. False positives happen when mature, actively traded tokens are still treated as securities well after their launch, even though they no longer function like one.
As such, the company wants regulators to separate the legal treatment of the original investment contract from the asset itself once the issuer’s contractual obligations end.
A Rights-Based Framework
Ripple’s letter calls for a regulatory test that focuses on the legal promises tied to the original sale of a crypto token, not on how decentralized its network is. The core argument is that once the issuer’s obligations have ended, trading that token on the open market should not be regulated as a security, no matter how distributed the network has become.
This approach fits with Ripple’s earlier ideas, such as a network maturity test, which aims to set clear, measurable rules for when a crypto token moves beyond its original fundraising purpose. These rules might include factors like the token’s total market value, whether the network is open for anyone to use, and whether no single person or group can control it.
Ripple’s stance is part of a longstanding push for crypto regulatory reform. In the past, the company has warned that unclear language in SEC actions and draft laws could keep crypto tokens under open-ended regulatory review or trapped forever under securities laws, which would slow down innovation.
XRP/USD Trading Idea: Institutional ETF Inflows Support Trend XRP/USD is attempting a medium-term trend reversal after exiting a descending channel. The price recently reached three-month highs near 2.4140, followed by a healthy pullback and consolidation around 2.2460 (Murray ). The correction so far remains controlled and does not invalidate the bullish structure.
The move is supported by persistent institutional inflows into spot Ripple ETFs and improving regulatory visibility in the US, which together strengthen the medium-term outlook.
⸻
Technical outlook
• Trend: transition from bearish to bullish
• Channel: descending channel broken to the upside
• Bollinger Bands: turning upward → trend acceleration risk
• MACD: expanding in positive territory → bullish momentum confirmed
• Stochastic: exiting overbought → short-term consolidation possible
Price is currently testing a key decision zone near 2.3437.
⸻
Bullish scenario (primary)
Continuation of the upside move requires confirmation above resistance.
• Entry: on a breakout and consolidation above 2.3437
• Targets:
• 2.5390 (Murray )
• 2.7880 (23.6% Fibonacci retracement)
• Stop-loss: 2.1950
• Time horizon: 5–7 days
This scenario assumes ETF inflows persist and price holds above the former channel resistance.
⸻
Bearish scenario (alternative / invalidation)
Failure to hold key support would negate the bullish setup.
• Entry: on a breakdown below 1.9531
• Targets:
• 1.6420 (61.8% Fibonacci retracement)
• 1.4180 (former 2021 high)
• 1.1718 (weekly Murray level)
• Stop-loss: 2.0920
A move below 1.9531 would signal a false breakout and return of selling pressure.
⸻
Key levels
• Resistance: 2.3437 → 2.5390 → 2.7880
• Support: 1.9531 → 1.6420 → 1.4180 → 1.1718
⸻
Bias summary
• Above 2.3437: bullish continuation favored
• Below 1.9531: bearish continuation resumes
• Between 1.95–2.34: consolidation / wait for breakout
This is a breakout-following setup, not a mean-reversion trade. Confirmation is critical, especially with Stochastic cooling from overbought levels.
XRP Ratios | Relative Strength Confirmation EmergingXRP is now beginning to confirm relative strength versus both BTC and ETH following yesterday’s spot-level early expansion signal.
After an extended period of compression, both XRP/BTC and XRP/ETH have transitioned into early expansion on the Daily timeframe, with structure shifting in favor of continuation rather than mean reversion.
Key observations:
• Both ratios have now closed above key EMAs on the Daily, marking a structural shift rather than a single-candle anomaly.
• Second consecutive expansion candles suggest momentum persistence, not a one-off spike.
• ATR has turned upward, confirming volatility expansion at the ratio level.
• RSI has moved into expansion territory, supporting momentum continuation rather than exhaustion.
• OBV is stabilizing and beginning to slope higher, indicating improving participation beneath price.
At this stage, this move represents relative strength confirmation, not a mature trend. The important signal here is that XRP is no longer lagging — it is beginning to outperform broader crypto benchmarks.
Follow-through and structure maintenance on the Daily timeframe will be key in determining whether this evolves into sustained leadership.
For now, XRP has successfully transitioned from spot-level momentum ignition into early relative strength expansion, placing it firmly on watch.
⭐ Final Clarity Note ⭐
This marks an early relative strength transition. Confirmation will come through sustained structure and follow-through — not immediate price acceleration.
HighCrew Market Intelligence — One System, Built in LayersThis idea explains how the tools on this profile fit together.
HighCrew is not a collection of separate indicators.
It is one market-reading system, designed to scale in depth while maintaining the same core logic from start to finish.
Each component has a defined role, and the system builds progressively.
Layer 1 — Seeing the Market (Scout Layer)
The system begins with RSI Scout.
This layer focuses on short-term reaction:
• Momentum shifts
• Pressure changes
• Early signs of continuation or pause
It answers a single question:
What is the market reacting to right now?
RSI Scout is intentionally lightweight and serves as the entry point into the system.
Layer 2 — Understanding Location (Structure Layer)
Once reaction is visible, location becomes critical.
The Structure layer focuses on where price is operating:
• Containment
• Boundary testing
• Acceptance versus rejection
• Expansion risk
This is not static support and resistance.
Structure frames price behavior inside a defined range, giving context to momentum and pressure.
Layer 3 — Execution Intelligence
Execution Intelligence bridges context and action.
This layer evaluates:
• Timing quality
• Reaction strength
• Whether conditions are suitable for engagement or patience
It does not override structure or momentum.
Execution intelligence exists to answer:
Is this actionable now, or is patience required?
Layer 4 — Interpreting the Market (NEXUS Intelligence Layer)
NEXUS sits above execution.
It functions as the interpretive processor of the system:
• Market control
• Intent
• Pullback quality
• Structural risk
NEXUS does not generate trades.
It connects momentum, structure, and execution into a coherent market read.
Some versions extend this same logic into higher-timeframe context, adding depth without changing the core system.
How the Core System Fits Together
Each layer answers a different question:
• Scout: What is reacting?
• Structure: Where is price operating?
• Execution: Is this actionable now?
• NEXUS: What does it all mean together?
Same system.
Same logic.
More depth as you move up the stack.
Additional Tools for Market Analysis
Separate from the core system, there are tools on this profile intended for market behavior analysis.
These tools are not layers in the system and do not drive decisions on their own.
They are available for analysts and experienced traders who want to:
• Observe raw indicator behavior
• Study momentum and volume dynamics
• Examine how markets behave under different conditions
These tools function as reference instruments and support analysis, not execution.
Important Note
No single script represents the full system.
HighCrew is built around context stacking, not standalone signals.
XRP Supply Hits 2018 Lows as Exchange Balances CollapseOver the past 12–24 hours, XRP has traded in a tight $1.87–$1.88 range, reflecting low volatility and balance between buyers and sellers. The token is currently hovering near $1.87, slightly above recent levels. Market capitalization stands near $113.5 billion.
From a technical perspective, price is holding just above the 20-period EMA (~$1.87), providing short-term stabilization. Since late December, XRP has been moving sideways while forming slightly higher lows, hinting at gradual demand absorption.
• Key support: ~$1.84 (lower Bollinger Band)
• Immediate resistance: ~$1.88
• Next upside zone: ~$1.92
As long as XRP remains above the EMA-20, the short-term structure stays neutral to mildly bullish.
⸻
Momentum & Volatility
Momentum indicators remain balanced:
• RSI (~51): neutral, no overbought or oversold conditions
• Momentum histogram: slightly positive, suggesting buyers can still defend short-term levels
Volatility is low to moderate. Bollinger Bands are compressed, which typically precedes a directional expansion. Until that expansion occurs, sideways trading is likely to persist.
⸻
Market Scenarios (Technical Model)
Neutral scenario (~50%)
• Range: $1.86–$1.90
• Conditions: Price holds above EMA-20, RSI stays between 45–55, volume remains stable
• Implication: Continued consolidation without strong directional impulse
Bullish scenario (~30%)
• Targets: $1.88–$2.05 (psychological level at $2.00)
• Key trigger: Daily close above $1.8839, RSI above 55
• Implication: Breakout from consolidation and expansion driven by supply compression
Bearish scenario (~20%)
• Targets: $1.75–$1.65
• Key trigger: Sustained close below $1.8428, RSI below 45
• Implication: Deeper corrective move as price loses range support
⸻
Short-Term Outlook
The short-term outlook for XRP remains neutral-to-positive. A clean breakout above $1.88–$1.92 could unlock a move toward $2.00, especially given the historically low exchange supply. Conversely, a loss of support near $1.84 would increase downside risks toward $1.75.
For now, the key factor to watch is whether XRP can maintain acceptance above the EMA-20 and expand volatility to the upside.
XRP 2026Hi everyone,
Thanks for reading this, and this is another year prediction of XRP and if you are see from the previous year some of you really made fortune some of you aren't made it.
This year made it simple and structural attack since the digital transaction and coin are slowly being accepted replacing the fiat money and such.
XRP's trajectory is highly volatile, with a significant "turmoil" period in 2025. The analysis
points to a major pivot in Q4 2025, described as a "Trap for Sell," which leads directly into
the "real thing" in 2026. The high-end market capitalization target for this period is $155.47
Billion.
The prediction will possibly go to 250B on the year end or dumping season will be happened.
The year is characterized by a "Double Fire" effect, signifying high
speed, unpredictability, and intense passion. (Fire Horse).
Be careful if uncontrolled will be lead to huge fire.
The Fire element supports Fire Industries
(Energy, Finance) and the Wood Industries
(Media, Creative Arts), which align with the
user's focus on technology and services
Bye, and hopefully you made it into another year. And not sure if im returning or not.
Ripple pressing key support as upside pressure builds
Current Price: $1.87
Direction: LONG
Confidence Level: 62%
Targets:
- T1 = $1.95
- T2 = $2.02
Stop Levels:
- S1 = $1.80
- S2 = $1.72
**Wisdom of Professional Traders:**
I’m leaning on the collective wisdom of professional traders here, and the message is fairly consistent. Several traders are focused on the $1.80–$1.86 support zone holding firm while XRP coils under resistance. Many traders described this area as a base-building phase rather than a breakdown, with repeated mentions of a push back toward the $1.95–$2.00 zone if buyers stay active. The crowd view favors upside follow-through rather than a downside expansion at this level.
**Key Insights:**
Here’s what stands out to me. Multiple traders highlighted XRP holding above the $1.80 micro-support despite broader market hesitation. That tells me sellers are struggling to press it lower. At the same time, repeated references to $1.95 and the psychological $2.00 area show where momentum traders are aiming if price starts to move. This compression typically resolves with a sharp move, and traders are positioning for that move to favor buyers.
Another big factor is supply behavior. Several traders mentioned large amounts of XRP moving off exchanges, which reduces near-term sell pressure. When price sits near support during declining exchange supply, I usually respect that as a constructive signal. It doesn’t guarantee an immediate breakout, but it tilts risk-reward toward the upside for short-term trades.
**Recent Performance:**
Over the past sessions, Ripple has churned between roughly $1.85 and $1.90, posting small daily gains and losses without follow-through. Volatility has compressed, volume has stabilized, and price continues to defend the same support band. This kind of price action often precedes an expansion move, especially when support is repeatedly respected.
**Expert Analysis:**
From a technical angle, several traders pointed out that XRP is forming higher lows on the lower time frames while still capped under resistance. That structure usually favors a bullish continuation attempt. RSI and momentum readings were described as balanced rather than stretched, which gives price room to move higher if buyers step in. The main invalidation level traders repeatedly cited sits below $1.80.
**News Impact:**
On the fundamental side, traders continue to focus on ETF inflows and Ripple’s expanding institutional footprint. Ongoing regulatory clarity and banking-related developments are viewed as tailwinds rather than threats this week. While none of this guarantees a breakout on its own, the news flow isn’t creating selling pressure, which supports a long bias near support.
**Trading Recommendation:**
Putting it all together, I’m staying LONG on Ripple while price holds above $1.80. I like entries near current levels with a first target at $1.95 and a stretch target just above $2.00 if momentum accelerates. Risk is clearly defined, with stops below $1.80 and a hard exit below $1.72 if the structure fails. Confidence is moderate rather than aggressive because price is still inside a range, but the balance of trader insight favors upside resolution.






















