XRP faces a devastating blow from Swift's plan, reported by The Block, for 17 commercial banks to pilot cross-border transactions on its new blockchain ledger, settling customer funds 24/7 via tokenized deposits. x.comÂ
Mert Mumtaz
Co-Founder & CEO of Helius, Solana RPC Infrastructure
XRP's weak volume makes today's bullish mood hard to trust despite positive XRP Ledger and Ripple news. Aviva Investors added a tokenized share class and Ripple launched a treasury product, but Nodiens Coin Insights reports 24-hour volume down 24.1%, a -0.81 Sharpe ratio and a 63.60% drawdown. Volume needs to recover before the bullish mood is credible. x.comÂ
Selling XRP to retail as decentralized amounts to fraud, and its mandatory closed-source update exposes the risk. The network has run closed-source code for two weeks; tomorrow it becomes mandatory, and dissenting validators get removed via a permissioned node list. Bitcoin, Ethereum and Solana point validators to open-source fixes, since closed binaries could hide malicious code. Consensus rests on lists published by Ripple and the XRP Ledger Foundation, and insiders took all supply to sell. … Show more
Ripple's Swell event could give XRP a bump once Bitcoin finishes its correction, as more XRP news arrives while the token is already in the buy zone. Franklin Templeton added $150M in tokenized money-market fund shares to the XRP Ledger; that is adoption, not $150M of XRP buying. XRP has been cheap enough to hold. x.com x.comÂ
XRP faces mild selling risk as Binance's share of its supply may be rising while bears look more dominant. That share rebounded from about 2.58 to 2.66 in October; daily XRP Ledger transactions reached about 2.49 million, up 14.78%. More transactions do not automatically mean buying: they include sellers, and their destination and value are unknown. With price weak, rising exchange supply could add downside pressure, though these indicators do not directly determine price. x.comÂ
Stablecoins and tokenization are clearly heading one way, and risk-reward in Coinbase, Robinhood, SECZ and Circle heavily favors buyers. In ten days, the SEC chair said tokenization rules are moving toward a long-term framework, the SEC allowed on-chain trading of tokenized stocks, and the CFTC sent crypto market rules to White House review. IBM linked to Swift's blockchain for 24/7 tokenized deposits, and ARK is tokenizing its venture fund holding OpenAI and Anthropic. x.comÂ
RLUSD is positioned to become a main liquidity layer for XRP trading, as Tether did for Bitcoin. Planned Coinbase access and institutional backing add to Ripple's trust-bank OCC approval, BNY custody and RLUSD's Moody's A2 as adoption groundwork. If XRP becomes core settlement infrastructure, today's market-cap valuation models would look conservative; $100 is a number, not a ceiling. x.com x.com x.com x.comÂ
XRP faces a prolonged liquidity vacuum because 2026 capital is front-running AI cloud infrastructure and mega-cap tech IPOs instead of flowing into beaten-down altcoins as in past cycles. The chart may look symmetrical with prior cycles, but the macro backdrop isn't; a defensive retest of $0.70, which @CheekyCrypto calls the largest buying zone in eight years, is not enough. Challenging $3.32 would take a massive return of hyper-liquidity. x.comÂ
Stellar's XLM is starting to move after quietly processing cross-border payments for banks and institutions while the market ignored it. x.comÂ
The broader crypto bull market should help XRP do very well into 2027, even as its adoption case looks less compelling. More tokenization appears to be happening on Ethereum than XRPL, Ripple feels a bit behind on innovation, and fast cross-border settlement is less distinctive now. A rising XRP price would not necessarily signal long-term success for XRPL. x.com x.comÂ
XRP is a pre-mined corporate token, not a bet on the future of money. The promise that banks will use XRP has been dangled before retail investors for years, while Ripple keeps wheeling fresh tokens out of escrow and dumping them on buyers. Bitcoin has absolute scarcity; XRP has lore, escrow, conference booths and a holder base trapped waiting for bank adoption. Buying it in 2026 is like finding a Blockbuster gift card in a landfill and calling yourself early to the future of entertainment. … Show more