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$XRP Several months ago, many traders thought XRP would never reach $1 again, but the price has now shifted significantly.
💥Key Points
Months ago, traders said XRP would never hit $1; now analysts see a potential $10 target.
XRP broke $1 in Nov 2024, reached $3 by Jan 2025, but recent dips test investor confidence.
Analysts suggest a bottom near $1.20–$1.30, with a rebound possibly reaching $4–$10 next.
Bulls view current levels as accumulation; caution remains, as a $1 retest could occur.
💥“XRP Will Never Reach $1 Again”
In a tweet, widely followed community analyst CryptoBull noted that roughly 18 months ago, many traders insisted the asset would never reclaim the $1 level. At the time, XRP was on a historic bull run, breaking above the $0.50 range “for good.”
Specifically, in November 2024, XRP’s price broke out of the $0.50 range and surpassed $1 for the first time in three years. It later reached $2 the same month and continued to climb to $3 by January 2025.

At the time, many believed that buying XRP under $1 was no longer possible, expecting only an uptrend. However, with the ongoing bearish market, XRP now risks dropping below $1 once again. For CryptoBull, this is another opportunity to enter before the next leg up.
💥From “Never $1 Again” to Double-Digit Talk
The comments come during a volatile period for the market. Earlier this month, XRP fell near $1.11 after a broad sell-off triggered by Bitcoin sliding toward $60,000. The drop erased about 70% of gains from the July 2025 high around $3.66.
However, the asset quickly rebounded and has been fluctuating in the mid-$1 range, prompting debate over whether a base is forming.
Several analysts now outline a bottom forming between roughly $1.20 and $1.30, with a potential breakout to $4. According to CryptoBull, XRP’s next milestone is a move into the double-digit range, with a target of $10.
Market watcher ExtraVOD shared a similar view, describing the recent decline as market exhaustion and suggesting XRP could accelerate into higher price ranges soon.
💥“Next Best Opportunity”
In a separate commentary, YouTuber Jesus Martinez echoed the recurring theme of regret over missed opportunities. He reminded followers that investors have historically wished they bought early—whether Bitcoin at $1,000 or XRP at $0.10—and suggested the market may be presenting a similar opportunity now.
Meanwhile, analyst Zach Rector believes the market could revisit the psychological $1 level and below to complete a double-bottom structure before a sustained rally begins. Rather than waiting for exact lows, he recommends positioning slightly above this level to avoid missing a reversal. He projects a $7 target in a new bull phase.
Essentially, bulls see the current range as an accumulation phase after a 70% reset, while cautious traders warn that another retest near $1 is possible. Sentiment is transitioning from fear toward cautious optimism, the same shift that historically preceded XRP’s strongest rallies, according to analysts.

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$XRP David Schwartz, former CTO of Ripple, recently shared insights on XRP’s price trajectory and the market’s recognition of its utility.
Crypto commentator Xaif (@Xaif_Crypto) drew attention to Schwartz’s comments, which reveal both historical perspective and current thinking on the token’s potential. They also illustrate the vast growth XRP has achieved since its early days.
💥XRP Can’t Be Dirt Cheap
In 2017, Schwartz addressed the perception of XRP pricing in a post on X. He noted, “It can’t be dirt cheap. That doesn’t make any sense.” He explained that if XRP were priced at $1, acquiring a million XRP would cost $1 million.
Conversely, if XRP cost $1 million, purchasing a single token would also cost $1 million. This statement highlighted the difficulty of defining XRP’s value solely on price rather than utility and market adoption.

💥Personal Experience and Market Milestones
Schwartz entered his XRP position at $0.006. He recently revealed that he began selling at $0.10, surprised by how quickly the price had grown. Despite the rapid gains, he remarked on the market’s perception of value at that time. He stated in a post from January, “When XRP was $0.006, a price of $0.25 felt about as ridiculous as $100 does today.”
Schwartz earlier said that nobody believed XRP would reach $0.25. He even described a $0.25 party held by early supporters, joking about how seemingly impossible it was to reach $1.
These remarks show XRP’s ability to outperform expectations. His experience demonstrates how early positioning in XRP provided significant gains for those who recognized its function within Ripple’s network and the broader financial ecosystem.
💥XRP’s Potential
Today, Schwartz observes that many people still regard XRP prices of $10 or $100 as unrealistic. He stated that $0.25 seemed just as impossible as $100 seems today. However, XRP has surpassed that level by a large margin. Xaif emphasized that the relevant question is not whether the asset can reach those high targets, but rather when the market will fully price in its utility.
Schwartz’s insights illustrate the token’s limitless growth potential. The market skepticism surrounding the $100 price target mirrors past trends. While many doubted XRP, it eventually surpassed expectations.
Market participants like Xaif believe it can repeat this pattern and hit the $100 target. They see XRP as a token with substantial upside that is not fully reflected in current market valuations.

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$XRP Recently released Epstein emails provide new context for blockchain developments leading up to the XRP lawsuit. Prominent crypto commentator Digital Asset Investor shared emails showing Austin Hill, a Canadian blockchain entrepreneur and Blockstream co-founder, communicating with Jeffrey Epstein and Michael J. Casey in November 2017.
The emails reveal Hill coordinating blockchain projects and strategy with Casey and Epstein. They suggest these figures were aware of developments that would later affect XRP and its regulatory environment.

💥Hill’s 2017 Communications
On November 28, 2017, Hill sent an email to Epstein discussing ongoing blockchain initiatives. He asked whether to continue the work with Casey on project planning and design or pause certain efforts.
He also noted having prepared research and briefing materials to share. Hill communicated with Epstein about scheduling and project timelines, indicating he was actively engaged in multiple blockchain projects at the time.
These exchanges show Hill coordinating information and strategy with both Epstein and Casey, suggesting potential roles in early blockchain networks.
💥Casey’s 2020 Reaction
On December 29, 2020, Casey tweeted, “Game over.” This tweet is notable because it was a response to Coinbase’s suspension of XRP trading following the SEC’s lawsuit against Ripple.
The lawsuit focused on whether XRP was a security, creating significant market disruption. The timing of Hill’s emails and Casey’s later public response suggests these figures may have had early awareness of industry dynamics that influenced XRP’s positioning and the regulatory attention it received.
Some in the crypto community have speculated that former SEC Chair Gary Gensler was sent after XRP. They believe it’s targeted due to its growing prominence and potential challenge to traditional financial structures.
Hill’s coordination with Casey in 2017 may have given them insight into XRP’s strategic role in the market. Casey’s 2020 reaction aligns with the unfolding legal pressure against Ripple at the time, deepening this connection.
💥Hill’s Role and Influence
Hill is primarily known for co-founding Blockstream and guiding early blockchain investments and project strategy. The emails demonstrate his coordination with Epstein and Casey, focusing on project planning and information sharing.
💥Was XRP Targeted?
Former Ripple CTO David Schwartz recently suggested that these leaked emails might be the tip of a giant iceberg. Recent emails show that Hill called Ripple “bad for the ecosystem,” and this link suggests stronger coordination among all parties to suppress XRP.
These documents do not confirm any direct intervention, but hint at an unknown connection that may be revealed as more files are released.

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$XRP Crypto analyst XRP Captain has suggested that XRP may have already established its local bottom, indicating that a significant upward move could follow in the coming weeks.
In a recent post, the analyst wrote that an “…explosive breakout could happen in the next 2-3 weeks…” summarizing his outlook alongside a weekly chart of XRP/USD on Bitstamp.
💥Fibonacci Retracement Levels Highlight 0.618 Reaction Zone
The chart shared in the post shows XRP on the one-week timeframe with Fibonacci retracement levels drawn across a prior upward move. Key retracement levels visible include 0.236, 0.382, 0.5, 0.618, and 0.786.
The price action highlights a recent decline that approached the 0.618 retracement zone, which technical analysts often monitor as a potential support area. A yellow oval on the chart marks what XRP Captain referred to as a “cluster,” suggesting a consolidation and reaction area around that level.
The weekly candles show a sharp downward wick into the lower retracement region, followed by a strong upward reaction. The most recent candle formations indicate a rebound from that support area, with green candles pushing higher after the dip. According to the analyst, this confluence of price action signals that the bottom may already be in place.

💥Breakout Timeline and Market Reaction
In his statement, XRP Captain added that an “explosive breakout could happen in next 2-3 weeks perhaps,” making clear that the projected move is conditional and based on current chart structure. The use of the word “perhaps” reflects uncertainty, but the timeframe provided suggests that he anticipates a near-term development rather than a prolonged consolidation.
The post received mixed reactions from commenters. One user, identified as rerun, responded, “Nothing happens before law. Chartfagin,” implying that regulatory developments may play a decisive role before any significant price movement occurs.
Another commenter, Kirdy B, asked how a potential decline in Bitcoin to $60,000 and a subsequent retest might affect XRP, highlighting broader market interdependence. A third user, Rico-072, expressed skepticism, writing, “Perhaps, maybe, next week, next mo………. Nobody nows. Nothing positive is happening soon,” questioning the certainty of short-term bullish expectations.
Despite these responses, XRP Captain did not provide additional clarification within the thread. The chart and brief statement remained the primary basis for his outlook. His analysis appears to rely strictly on technical indicators, particularly the reaction at the 0.618 Fibonacci level and the visible price activity marked on the chart.
As of the latest weekly data shown in the chart, XRP was trading near the mid-range of the retracement structure after bouncing from lower support. Whether the projected breakout materializes within the suggested two- to three-week window will depend on sustained momentum and broader market conditions. For now, the analyst maintains that the recent cluster represents the bottom, with a potentially decisive move ahead.

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$XRP A tweet from crypto expert John Squire has brought renewed attention to comments by Ripple CEO Brad Garlinghouse about the company’s regulatory outlook.
The post described as “BREAKING” quoted Garlinghouse as saying there is a “75% chance by the end of April” that Ripple will be “not only back on track but very close to a final resolution.”
The tweet stressed that regulatory clarity is approaching quickly and reiterated in capital letters that “REGULATORY CLARITY IS COMING.”
Attached to the tweet was a clip from an X Space in which Garlinghouse stated, “I think we’re going to get it back on track. I’ll give it 75% that by the end of April, this is, you know, not just back on track, but very close to getting signed.” His statement suggests confidence that pending matters could soon reach formal completion.

💥The CLARITY Act and Regulatory Direction
The “resolution” referenced in the tweet is widely understood to relate not only to Ripple’s corporate trajectory but also to developments in U.S. cryptocurrency legislation. Central to this discussion is the CLARITY Act, a proposed bill to verify whether specific digital assets fall under the jurisdiction of the Securities and Exchange Commission or the Commodity Futures Trading Commission.
Garlinghouse has publicly supported the CLARITY Act and, in late January 2026, stated that legislative progress in Washington is “closer than ever.” The bill is intended to provide formal definitions and regulatory boundaries, an issue that has been a persistent source of uncertainty within the industry.
Ripple formally concluded its legal battle with the SEC in August 2025, marking the end of a case that had extended for years. With that chapter closed, attention has shifted to broader legislative clarity to establish consistent oversight standards across the U.S. market. In this context, Garlinghouse’s 75% projection appears tied to both Ripple’s continued recovery and the anticipated advancement of landmark regulatory measures.
💥Community Reaction Reflects Diverging Expectations
The tweet generated mixed reactions. Nepentia | XRP characterized April as more than a calendar milestone, writing that it represents “the start of the US-regulated era.” The commenter added that “75% certainty is enough for the risk models to start allocating,” suggesting that institutional participants may begin adjusting strategies in anticipation of legislative certainty.
Others responded with skepticism. Macro Bombastic cautioned that while some may treat Garlinghouse’s statements as definitive, outcomes ultimately depend on timing. Meanwhile, XRP-Brutal-Truth criticized company leadership, arguing that investors have yet to see the expected market gains despite the lawsuit’s conclusion.
Together, these responses underscore the significance of the end-of-April timeline cited in the clip. With legislative discussions advancing and Ripple’s legal dispute resolved, Garlinghouse’s 75% assessment places clear expectations on the weeks ahead as market participants await confirmation of whether regulatory clarity will materialize.

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$XRP The European Central Bank has listed Axiology DLT TSS, an XRP Ledger-based platform, among authorized distributed ledger systems in Lithuania, marking a significant step in blockchain integration within EU financial infrastructure.
European regulators are opening the door to blockchain technology in traditional finance. A recently published document from the European Central Bank reveals that XRP Ledger infrastructure has been greenlit for supervised testing within the EU's experimental framework for digital securities.
💥Lithuania Approves XRP-Based Trading System Starting July 9, 2025
According to the ECB DLT trial infrastructure document, Axiology DLT TSS appears on the regulatory table as an authorized distributed ledger trading and settlement system in Lithuania, with operations beginning July 9, 2025. The platform runs on XRP Ledger technology adapted for European Union compliance.

This isn't a full-scale commercial rollout. Instead, it represents carefully monitored experimentation designed to test how blockchain can handle real-world securities transactions under regulatory oversight.
💥What This Means for Blockchain in European Finance
The ECB document lists multiple authorized operators across Europe—including systems in Germany and the Czech Republic—each granted specific exemptions around settlement finality, account segregation, and communication protocols. Axiology falls under the supervision of the Bank of Lithuania and operates as a DLT Trading and Settlement System.
Public information shows the platform uses a permissioned version of the XRP Ledger specifically built for securities processing and digital bond transactions. This development aligns with ongoing XRP regulatory clarity developments and positions Ripple's technology within a regulated testing environment.
💥Testing Ground for Digital Securities Infrastructure
The EU DLT Pilot Regime permits limited-scale operations of tokenized securities platforms so regulators can evaluate settlement reliability and system interoperability. XRP infrastructure's presence reflects participation in post-trade experimentation focused on digital bonds rather than payment processing.
This regulatory sandbox approach mirrors broader trends in XRP institutional and legal adoption and technical discussions around XRP market structure analysis. Market observers have noted growing institutional interest in blockchain infrastructure capable of meeting traditional finance standards.
💥Europe's Blockchain Integration Strategy
The listing demonstrates how European authorities are methodically testing distributed ledger settlement systems within established financial law frameworks. These pilot programs aim to answer a crucial question: Can blockchain networks integrate seamlessly with traditional securities infrastructure while maintaining regulatory supervision?
For blockchain advocates, Lithuania's authorization of an XRP-based platform represents tangible progress toward mainstream financial adoption—not through disruption, but through carefully supervised integration into existing market structures.

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$XRP Crypto analyst ChartNerd has shared a new technical outlook on XRP, identifying what he describes as major bullish reversal signals while cautioning that a decline to $0.70 remains possible.
In his post, ChartNerd emphasized that although positive signals are emerging, XRP must reclaim its prior $1.80 support base before a sustained upward move can be confirmed.
The chart attached to his tweet presents XRP on the monthly timeframe using the Gaussian Channel indicator. Several historical instances are highlighted where XRP retested the upper Gaussian Channel regression band before continuing higher.
These areas are marked as “Upper GC Retest” and “Mid GC Retest,” illustrating how price has historically interacted with the channel during previous cycles.
According to ChartNerd, “XRP: Major bullish reversal signals are flashing; however, $0.70 remains on the table until XRP breaks back through its prior $1.80 support base. The Gaussian Channel signal is hard to ignore here.” His analysis suggests that while technical conditions are improving, confirmation depends on reclaiming former structural support.

💥$1.80 Identified as Structural Pivot
The chart shows XRP currently trading below the red upper Gaussian Channel band, with price action positioned near a prior support area around $1.80. This level is presented as a decisive threshold. ChartNerd’s assessment indicates that until XRP closes back above that region, the possibility of a deeper retracement toward $0.70 cannot be ruled out.
The tweet says all prior upper Gaussian Channel regression band retests resulted in mid-channel retests. It further states that a possible low could be marked at $0.70 in May or June if the reclaim does not occur. The historical structure depicted on the chart shows similar pullbacks before trend continuation, reinforcing the importance of the current technical position.
The Gaussian Channel, which smooths price data to identify trend direction and volatility boundaries, appears central to ChartNerd’s thesis. His conclusion suggests that the signal currently flashing on the monthly timeframe deserves attention, but structural confirmation remains pending.
💥Community Reactions Emphasize Structural Reclaim
Responses to the post focused heavily on the importance of reclaiming prior support. SurfLiquid stated, “The level that matters is the reclaim of prior support. Until structure flips back above that base, it is just a relief inside a broader range. Reclaims change positioning. Signals alone do not.” This comment aligns with ChartNerd’s emphasis on $1.80 as the key inflection point.
Another user, Joseph LaManna, reacted strongly to the $0.70 possibility, writing, “.70 freaking cents? The infrastructure to move value from here on out at .70??? What does the world need to finally get on board and buy all the remaining??? Blows my mind.” His response reflects skepticism that XRP could revisit that level given ongoing development and infrastructure growth.
ChartNerd’s post ultimately presents a balanced technical outlook. While the monthly Gaussian Channel signals a potential bullish reversal, the analyst maintains that confirmation depends on reclaiming the $1.80 support base. Until that level is decisively recovered, the risk of a decline toward $0.70 remains part of the technical picture.

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$XRP Blockchain innovation rarely announces itself with noise. Instead, meaningful progress often appears through quiet protocol improvements that gradually redefine how digital finance operates. A recent upgrade to escrow functionality on the XRP Ledger reflects this pattern, signaling a deeper shift in how assets, liquidity, and compliance mechanisms can function within a single decentralized environment.
Information shared by Vincent Van Code highlights that escrow on the XRP Ledger has moved beyond its original limitation. Until now, only XRP could be placed in escrow using native ledger features.
The newly introduced TokenEscrow capability extends this function to issued tokens, allowing assets such as RLUSD to benefit from the same time-locked and condition-based settlement structure that previously applied only to the network’s native currency.

💥Expanding the Ledger’s Financial Architecture
This development does more than add convenience. It fundamentally expands the XRP Ledger’s financial design. Native escrow for issued tokens enables programmable lockups, staged releases, and automated settlement without external smart-contract layers. That change reduces reliance on intermediaries while preserving the ledger’s core strengths—speed, low cost, and deterministic execution.
Financial institutions require these characteristics to manage transactions that are subject to regulation. Escrowed issued assets can now support compliance-driven payment timing, transparent audit trails, and conditional fund releases directly on-chain. These features move the ledger closer to real-world financial infrastructure rather than experimental blockchain tooling.
💥RLUSD and Institutional Utility
The ability to escrow RLUSD carries particular importance within Ripple’s broader strategy around regulated digital liquidity and tokenized finance. Stablecoins connect traditional money to blockchain transactions. Adding native escrow strengthens their role in enterprise scenarios such as collateral management, trade finance execution, and cross-border treasury coordination.
Enterprises get predictable settlement processes using escrow, releasing funds only when specific conditions are met. This certainty reduces counterparty exposure and improves operational efficiency—two requirements that institutional finance treats as non-negotiable.
💥A Step Toward Fully Tokenized Markets
TokenEscrow may appear incremental, yet its structural implications remain significant. By removing the restriction that confined escrow to XRP alone, the XRP Ledger now supports programmable coordination across multiple asset types within a unified system. This capability aligns with the broader industry transition toward tokenized securities, real-world assets, and automated financial workflows.
Infrastructure maturity ultimately determines which blockchain networks achieve large-scale adoption. The evolution of escrow on the XRP Ledger demonstrates steady progress toward production-grade readiness. Quiet upgrades like this often shape the future of digital finance long before the wider market recognizes their importance.

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$BTC Bitcoin ETFs recorded a small daily inflow after consecutive days of selling, but the weekly picture tells a different story—outflows continue for the fourth straight week.
💥 Bitcoin ETF flows finally turned green after days in the red. According to Coin Bureau, the funds pulled in about $15.2 million in fresh money, breaking a recent pattern of withdrawals. The day-by-day breakdown shows that latest session flipping positive after multiple negative readings earlier in the week.

💥 But zoom out and the trend looks much weaker. The same week saw roughly $360 million leave these funds overall—marking four consecutive weeks of net outflows, a pattern not seen since late last year. Earlier days in the week showed much bigger withdrawals than the small bounce recorded in the latest session, so the week's total is still deep in negative territory. Similar dynamics showed up when BTC saw fresh momentum as spot ETFs break 3-week outflow streak and when Bitcoin ETFs see $105M in weekly outflows.
A single positive day may signal a pause in selling pressure, but it doesn't reverse the broader trend.
💥 The data shows how quickly sentiment can shift day to day—one green session doesn't erase a week of red. This kind of choppy action has appeared before, like when Bitcoin ETFs record $145M inflows as BTC holds near $70K mark, where short bursts of buying showed up during otherwise uneven periods.
💥 ETF flows matter because they're one of the clearest real-time signals of institutional demand for Bitcoin. A positive day might suggest selling is cooling off temporarily, but until these inflows start stringing together consistently, the multi-week withdrawal trend remains the dominant force in the market.

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$XRP Ripple CEO Brad Garlinghouse has reaffirmed XRP central role in the company’s long-term strategy.
He describes the digital asset as the “North Star” guiding Ripple’s expanding financial infrastructure ambitions. “It’s our purpose,” he added.
Garlinghouse reiterated this view at the recent XRP Community Day virtual event, emphasizing that despite Ripple’s growing product suite, XRP remains at the core of everything the company is building.

💥Key Points
Brad Garlinghouse calls XRP Ripple’s “North Star,” central to the company’s long-term strategy.
Ripple Payments, Prime, Treasury, and RLUSD all aim to boost XRP utility and liquidity.
Institutional adoption grows with Aviva Investors tokenizing assets on the XRP Ledger.
XRP remains the “heartbeat” of Ripple, integrated deeply as the platform expands.
💥XRP at the Heart of Ripple’s Strategy
Addressing the “XRP family,” Garlinghouse stressed that XRP is not just one product among many but the foundation of Ripple’s platform vision. Initiatives such as Ripple Payments, Ripple Prime, Ripple Treasury, Custody, and the RLUSD stablecoin are all designed to enhance utility, trust, liquidity, and velocity around XRP and the XRP Ledger (XRPL).
He explained that Ripple Payments continues to expand real-world use cases for XRP in cross-border transactions. Meanwhile, developments like payments on the XRPL’s decentralized exchange (DEX) with permissioned domains aim to support regulated financial activity on-chain.
Garlinghouse also highlighted Ripple Prime, noting that XRP is being positioned for use in collateralization and lending services. Additionally, Ripple Treasury is exploring payments involving both XRP and RLUSD within treasury management systems. Together, these efforts reflect Ripple’s ambition to operate as a platform company for financial infrastructure, with XRP at its core.
💥Institutional Focus Expands
Beyond product development, Ripple is increasingly focused on institutional adoption. Garlinghouse highlighted a new partnership with Aviva Investors, a major global asset manager tokenizing assets on the XRP Ledger. This underscores growing institutional interest in using XRPL for real-world asset tokenization.
At XRP Community Day, Ripple President Monica Long described 2026 as a turning point, calling it a year of “institutional adoption at scale,” with clearer results expected by year-end.
Institutions are using XRP for settlements, treasury management, lending, and foreign exchange bridging. Ripple is also supporting the XLS-66 lending framework and adding XRP to Ripple Prime’s collateral and liquidity services.
💥XRP as the “Heartbeat” of Ripple
Ultimately, Garlinghouse described XRP as the “heartbeat” of Ripple’s platform strategy. As the company expands into new areas, it continues to integrate XRP more deeply into its ecosystem rather than moving away from it. For the XRP community, this signals a continued effort to increase XRP’s value over time, giving holders further reason to be bullish on the coin.

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$XRP experienced a sudden price spike followed by an immediate reversal, creating what traders are calling a classic fakeout pattern after failing to hold gains above $ 2.30.
Ripple's XRP token delivered a textbook example of market whiplash this week, surging sharply before pulling back just as quickly. The rapid reversal has sparked debate among traders about whether the move was a genuine breakout attempt or a manufactured fakeout designed to trap latecomers.
💥Sharp Spike Followed by Quick Retreat
XRP posted a sudden upside impulse that initially looked promising, only to reverse course within hours. The price action formed a rapid rejection pattern that caught many traders off guard. One analyst characterized the drop as "fake and orchestrated," suggesting the move was designed to lure buyers before pulling the rug. The chart shows a strong upward candle followed by consecutive lower candles as the price retreated from its local peak near the $2.30 level.

The candlestick sequence tells a clear story: what started as expansion quickly turned into rejection. A large bullish move was immediately followed by smaller bearish candles, signaling that buyers couldn't maintain control near the top of the highlighted zone. This type of behavior is commonly labeled a failed breakout when the anticipated upside continuation never materializes.
💥Pattern Echoes Previous Failed Breakouts
This isn't XRP's first rodeo with false breakouts. Similar dynamics appeared in the recent XRP false breakout above $2.30, where bulls got crushed after failing to hold gains. The pattern mirrors broader crypto market behavior seen in BNB slipping back into its trading range after a failed breakout.
The chart emphasizes how volatility compressed into a short window rather than building a sustained directional trend. After the spike, price action shifted into a visible pullback phase, with candles stepping lower from the top region. That aligns with a common market truth: sharp momentum bursts can reverse just as quickly when follow-through demand evaporates.
💥Why This Matters for XRP Traders
Sudden reversals like this reset short-term expectations across crypto markets. The XRP reaction illustrates how rapidly sentiment can flip from breakout excitement to fakeout frustration when price fails to hold initial gains. Traders who chased the move higher likely found themselves trapped as the reversal unfolded.
This volatility compression has been a recurring theme for XRP. As noted in XRP price analysis: triangle squeeze points to Monday volatility, these compressed patterns often precede explosive moves—though not always in the direction traders expect.
The key takeaway? In crypto's fast-moving markets, what looks like a breakout can turn into a trap within minutes. XRP's latest move serves as a reminder to wait for confirmation rather than chasing initial spikes.

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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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$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 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 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 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 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 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 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 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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