Ripple’s RLUSD just secured a major institutional credibility boost, earning Moody’s A2 long-term deposit rating and its highest P-1 short-term rating. The assessment covers RLUSD issued on XRP Ledger and Ethereum, giving institutions another benchmark for evaluating the dollar-pegged stablecoin.
More good news for $RLUSD this week – @moodysratings has assigned RLUSD an A2 long-term rating and P-1 short-term rating, the highest possible short-term rating under its new stablecoin framework.
— Jack McDonald (@_JackMcDonald_) October 28, 2026
TL;DR: RLUSD is the first stablecoin to have ever received an investment-grade…
The rating arrives alongside Ripple’s final approval to establish a national trust bank under the Office of the Comptroller of the Currency (OCC). Ripple says the bank will manage RLUSD reserves and provide institutional custody services, while Bank of New York Mellon remains the stablecoin’s primary reserve custodian.
But the bigger question concerns XRP and its holders. If RLUSD becomes a major institutional settlement asset, can XRP capture value from that growth? Binance’s historical BUSD and BNB ecosystem offers an interesting comparison, although Ripple’s model works differently.
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Moody’s rating gives RLUSD a formal credit assessment that institutional risk teams can incorporate into their evaluations. RLUSD will still be issued by Standard Custody & Trust Company, its New York-regulated subsidiary. The trust bank will manage segregated reserves, act as collateral trustee, and provide fiduciary digital-asset custody services. Ripple outlined the approved activities on October 26.
These developments could help Ripple compete for institutional payments, treasury operations and collateral applications. But for XRP, the opportunity depends on what institutions do after adopting RLUSD.
Every transaction on XRP Ledger requires XRP to pay network fees. Accounts also need XRP to satisfy the ledger’s reserve requirements. Greater RLUSD activity could generate incremental XRP utility, although these requirements alone may create limited demand.
The more substantial opportunity involves cross-currency payments. Institutions could use XRP as a bridge asset when converting between currencies, rather than routing every transaction through dollar stablecoins or traditional intermediaries.
So, RLUSD can settle directly without requiring an institution to purchase XRP for the entire payment value. Transfers on Ethereum also do not require XRP for gas.
Consequently, RLUSD’s market cap could grow substantially without generating proportional demand for XRP. The bullish case strengthens when stablecoin adoption also creates deeper XRP liquidity, additional bridge transactions, and new institutional trading activity.
Binance’s historical ecosystem demonstrates how a stablecoin can support a wider crypto business. BUSD offered dollar-denominated liquidity, while BNB served multiple purposes across Binance’s exchange and blockchain infrastructure.
BNB provides utility through network fees and trading-fee discounts, alongside a token-burning mechanism that reduces supply over time. These mechanisms give BNB several direct connections to activity across its ecosystem.
Ripple has a different starting point. RLUSD provides dollar stability, while XRP operates as the XRP Ledger’s native asset and potential cross-currency bridge. Ripple could create a comparable value-capture loop if institutional RLUSD adoption increases the need for XRP liquidity.
Imagine RLUSD growing from $2.5 billion to $25 billion in market cap. That would represent a tenfold expansion, potentially giving Ripple a much larger stablecoin business.
However, it would not imply a tenfold increase in XRP’s price. The outcome would depend on transaction volumes, network activity, institutional integrations, and the proportion of payments that actually use XRP.
Ripple could pursue a similar ecosystem strategy, but it would need to make XRP more integral to the financial activity surrounding RLUSD. Stablecoin growth alone would not reproduce BNB’s exchange utility or supply burns.
Ripple may be building a substantial regulated dollar business. But could XRP capture meaningful value from that expansion?
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Ripple has secured final U.S. approval for its national trust bank, giving XRP investors another reason to watch the coin as Swell 2026 opens in New York. The milestone strengthens Ripple’s position in regulated finance, while fresh institutional partnerships and ETF demand could help drive the next XRP price rally.
The Office of the Comptroller of the Currency (OCC) granted final approval for Ripple National Trust Bank on October 26. The decision completes a process that began with conditional approval in December 2025, opening the door to expanded institutional custody and RLUSD reserve management. XRP now enters Swell week with Ripple’s regulatory standing strengthened and a major industry gathering underway.
Ripple’s new federal trust bank approval marks another milestone in its push to connect blockchain infrastructure with traditional finance. The bank will manage segregated reserves backing Ripple USD (RLUSD), act as collateral trustee for RLUSD holders, and provide fiduciary digital asset custody services.
RLUSD will continue to be issued by Standard Custody & Trust Company under New York regulation. The additional federal oversight strengthens the regulatory framework supporting Ripple’s stablecoin and institutional services. Ripple has also reported that RLUSD has reached a $2.5 billion market cap since launching in December 2024.
Big news heading into @RippleSwell: the @USOCC has granted final approval for Ripple National Trust Bank.
— Brad Garlinghouse (@bgarlinghouse) October 26, 2026
This gives Ripple a federally supervised platform to support $RLUSD and provide digital asset custody to enterprises.
We’ve always said crypto and banks work better…
For XRP, the development adds momentum to a business increasingly focused on payments, custody, stablecoins and capital markets. Ripple’s infrastructure could attract more financial institutions to its ecosystem, creating additional opportunities for XRP Ledger adoption and liquidity.
Ripple CEO Brad Garlinghouse has repeatedly emphasized the relationship between crypto and traditional banking. This new charter gives that strategy a stronger regulatory foundation just as institutions gather to discuss the next phase of digital finance.
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U.S. spot XRP exchange-traded funds have attracted $1.8 billion in cumulative net inflows, establishing a huge channel for institutional exposure to the token. Total net assets stood at $1.48 billion.
The latest sessions also show room for renewed buying. XRP ETFs recorded $4.3 million in net inflows between October 19 and October 23, including a $3.5 million contribution on October 22. The October 23 session recorded no net creations or redemptions.
The cumulative inflow figure remains an important part of XRP’s institutional adoption edge. ETF investors can gain exposure without directly managing wallets or handling on-chain transactions, making these products another route for traditional capital to enter the market.
Swell could give another push to XRP demand. Ripple’s annual conference runs October 27–29 in New York and combines Swell with the XRP Ledger developer conference Apex and the University Blockchain Research Initiative gathering.
Ripple expects more than 1,500 attendees, over 100 speakers, and more than 80 sessions. The agenda covers capital markets, settlement, tokenization, stablecoins, crypto ETFs, and XRP utility. Speakers include Ripple leadership and executives from major financial institutions and market infrastructure firms.
The timing gives XRP investors several potential catalysts in one week. Announcements involving institutional payments, custody, tokenization, or new XRP-related investment products could strengthen the case for fresh capital entering the ecosystem.
Technical analyst Javon Marks has outlined a bullish XRP price target of $15, drawing comparisons between XRP’s current chart structure and its historic breakout in 2017.
In July 2026, Marks pointed to the 2,872% gain recorded during the earlier breakout. He applied that historical move to XRP’s November 2024 breakout point near $0.50 to arrive at the $15 target.
The forecast offers a compelling upside scenario if XRP enters another strong price-discovery phase. A combination of renewed ETF demand, expanding institutional adoption, and major Ripple announcements could help strengthen the market narrative behind such a move.
Marks is not the only analyst to identify double-digit potential. Chad Steingraber previously predicted that XRP could climb from $2 to $10 in less than a year, citing ETF demand and the possibility of accelerated price discovery.
Swell now gives Ripple an opportunity to add fresh developments to that bullish outlook. A major banking partnership, expanded RLUSD adoption, or new institutional infrastructure built around the XRP Ledger could reinforce the token’s longer-term growth story.
The national trust bank approval has strengthened Ripple’s position in the U.S. financial system. With Ripple Swell underway and more than $1.8 billion in cumulative XRP ETF inflows already recorded, the next round of announcements could put institutional demand back at the center of the XRP price debate.
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An XRP Ledger maintenance amendment is running on a new activation clock after losing the validator majority behind its earlier countdown. The fixCleanup3_4_0 amendment regained majority support on October 21, moving its earliest possible activation window to November 4, subject to that support continuing.
TL;DR: The amendment regained validator majority on October 21 after its first countdown failed. A fresh two-week window points to November 4 at the earliest, if support holds.
At the XRPL Dashboard’s October 24, 07:09 UTC snapshot, 32 of 35 trusted validators supported the amendment, or 91.43%. The tracker showed a new majority timestamp of October 21 at 14:46:22 UTC. Those figures are a dated observation; validators can change their positions.
XRPL Win’s amendment history separately records the earlier attempt beginning October 9 and losing majority on October 21. The interrupted run lasted more than 12 days. It did not satisfy the uninterrupted period required for activation, so the earlier October 23 expectation no longer applies.
The ledger’s official amendment documentation requires support from more than 80% of trusted validators for two weeks. If support falls below the requirement, the waiting period starts again when the amendment regains majority.
Network processing also means the end of the two-week period should not be treated as an exact appointment. Amendment decisions are handled through designated ledger checkpoints. November 4 is therefore a conditional earliest window, rather than a guaranteed switch at precisely 14:46 UTC.
This is a consensus process among validators on the blockchain. Holding XRP does not itself constitute an amendment vote. The visible count matters because it shows whether the required network support is being maintained throughout the waiting period.
The official amendment description groups fixes affecting vaults, lending, automated market makers, permissioned exchange functions, trust lines, NFTs and other ledger features. Examples include more precise vault rounding and changes to when a loan can be treated as in default.
Another change concerns delegated payment permissions. The documentation says an account with a delegated PaymentBurn permission should also need PaymentMint permission to cross a zero balance into minting. That concerns issued tokens and multi-purpose tokens, which can represent tokenized assets; it should not be described as permission to mint native XRP.
The package also separates signing prefixes used for sponsor and counterparty signatures. These are changes to the handling of transactions and permissions, rather than evidence that a new lending service has launched.
Separate lending amendments still have their own voting status. Users tracking the wider DeFi roadmap should therefore distinguish the cleanup package from activation of those features. The next decisive development for this amendment will be sustained majority through the full window, followed by the ledger recording it as enabled.
Written by the News Desk and edited by Samuel Rae.
The XRP price fell below $1.35 just now after an attempted recovery toward $1.40 lost momentum. Not just XRP, renewed selling pressure also hit the crypto market. More than $220 million in crypto long positions were reportedly liquidated over 12 hours as Bitcoin and Ethereum dropped toward $81,000 and $2,300, respectively.
The downturn comes as the XRP Ledger prepares a significant network maintenance update, although a setback in validator support has pushed its expected activation into November. The combination of weakening price action, leveraged liquidations, and uncertainty surrounding the upgrade leaves XRP wobbling, waiting to see if buyers can defend the $1.30 area.
The XRP price climbed toward $1.40 just a few hours ago before reversing lower. The token subsequently fell through the $1.38 and $1.36 areas before approaching $1.33, leaving the attempted recovery looking increasingly fragile.
As of now, XRP price is down 2% over 24 hours, despite remaining up 1.1% over seven days. The $220 million liquidation wave adds another source of pressure. When leveraged traders open long positions, they are betting that prices will rise. A sharp decline can trigger forced closures when collateral becomes insufficient, potentially adding selling pressure and accelerating losses.
For the XRP price, the immediate technical question is whether buyers can hold the $1.30–$1.32 region. A recovery above $1.35 would help ease some short-term pressure, while another breakdown could leave the token exposed to further losses.
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The XRP Ledger’s fixCleanup3_4_0 amendment was initially expected to activate on October 23, but that timeline has changed. Validator support briefly fell to 26 of 35 trusted validators, below the 29 votes required to maintain the necessary majority. The countdown consequently restarted, moving the projected activation to November 4 at 14:46 UTC.
XRP Ledger Bug Fix Hits a Last Minute Roadblock
— BSCN (@BSCNews) October 22, 2026
The XRP Ledger’s (@XRP) $XRP fixCleanup3_4_0 amendment has been delayed until November after validator support briefly fell below the required threshold.
The network requires at least 29 validators to maintain approval throughout… pic.twitter.com/9aunWT0Kbj
The amendment bundles technical corrections affecting several XRPL components, including single-asset vaults, lending, automated market makers, the permissioned decentralized exchange, trust lines, NFTs, escrow, and transaction signing. These changes are intended to correct issues in the network’s implementation.
The revised upgrade timeline gives traders another date to monitor, but the XRP price must first contend with the current market downturn. If buyers defend $1.30–$1.32 and reclaim $1.35, the token could attempt another move toward $1.38 and the $1.40 area.
A sustained break below $1.30 would weaken that recovery scenario and could encourage further selling, particularly if Bitcoin and Ethereum continue to fall. Traders will also be watching whether liquidation pressure eases and whether spot-market demand returns.
The November 4 activation projection provides a potential network catalyst, provided validator support remains above the required threshold. Meanwhile, XRPL’s separate lending amendments have not received the necessary approval, meaning the maintenance update should not be confused with the launch of a fully enabled lending protocol.
For now, the XRP price faces a near-term test of market demand while the ledger’s next technical milestone moves further out. A sustained recovery will likely require stronger buying interest and improved conditions across the broader crypto market, rather than the upgrade date alone.
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TL;DR: Technical documentation for the proposed LendingProtocolV1_1 amendment describes closed-ended vaults with defined subscription and redemption dates on the XRP Ledger.
XRP Ledger developers have outlined a more structured approach to lending vaults, adding a design that would let some pools run for a fixed period rather than remain permanently open to deposits and withdrawals.
The LendingProtocolV1_1 documentation introduces a VaultKind setting in the VaultCreate transaction. An open-ended vault remains the default, while a second value would identify a closed-ended vault with additional dates controlling when new subscriptions close and when redemption can begin.
Those fields matter for products that need a predictable investment period. Institutional-style lending arrangements often have subscription windows, capital lockups and maturity schedules that are harder to represent using a continuously open pool.
The proposal describes the mechanics of creating such a vault, not the launch of a live lending product. It also does not erase the credit and liquidity risks associated with on-chain lending. A technical standard can define how a position behaves, but it cannot guarantee that a borrower will repay or that a market will remain liquid.
XRPL’s broader lending discussions have attracted attention because they point to potential financial products built directly around ledger-level features rather than solely through external applications.
For now, the important question is whether validators and developers are satisfied with the amendment’s implementation and how any final version would interact with the rest of the network.
Written by the News Desk and edited by Samuel Rae.
Ripple’s latest news on US crypto regulation is putting XRP back in the spotlight, with the company backing a proposed SEC framework that could bring greater clarity to the digital asset industry. However, the return of outflows from US spot XRP ETFs adds another factor for investors to watch.
The timing brings three developments into one: Ripple’s regulatory push, a reversal in weekly ETF flows, and Evernorth’s arrival on Nasdaq as an XRP-focused digital asset treasury company.
For XRP News, the key question is if regulatory progress and growing institutional infrastructure can sustain investor interest as fund flows turn negative. Each development offers a different signal, and the eventual impact on XRP will depend on how the regulatory proposal evolves and whether institutional demand strengthens again.
Ripple filed a 20-page comment letter on October 20 supporting the SEC’s proposed Regulation Crypto Assets, while requesting changes to parts of the framework. The filing came as the public comment period on the proposal closed.
1/ Today Ripple filed its comment letter on the SEC’s proposed Regulation Crypto Assets. We support the proposal, and the SEC has clear authority to adopt it.
— Stuart Alderoty (@s_alderoty) October 20, 2026
2/ Years of “case by case, coin by coin” enforcement has pushed innovation offshore. We need holistic rules for digital…
The proposal is part of a bigger effort to establish clearer rules for crypto-related offerings and determine when federal securities laws apply. Reuters reported in August that the SEC’s proposed framework includes exemptions for certain offerings and a conditional safe harbor intended to address aspects of crypto asset regulation.
Ripple’s position focuses on an important contrast. An investment contract involving a digital asset does not necessarily mean the underlying token itself is a security in every context. The company is also seeking clarity on issuer obligations, token classifications, and transactions on secondary markets.
This matters for XRP because regulatory clarity could help exchanges, financial institutions and other market participants assess their obligations when dealing with digital assets. However, the SEC has not finalized the proposed rules, and Ripple’s support does not itself change XRP’s legal status. The outcome will depend on the final text and how the agency applies it.
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The latest XRP News points to a pause in ETF activity rather than another wave of selling. US spot XRP ETFs recorded no net flows on October 20, following approximately $920,800 in inflows on October 19, according to available ETF tracking data.
The early figures for this week offer a more mixed picture after the funds lost around $1.84 million during the week ended October 16, ending a 13-week inflow streak. Cumulative net inflows remained near $1.81 billion as of October 20, suggesting that the longer-term institutional investment trend has yet to reverse decisively.
With ETF flows returning to positive territory, XRP could strengthen its price with renewed investor interest. Continued outflows, on the other hand, may complicate the bullish outlook, particularly if broader crypto market conditions remain uncertain.
Evernorth adds a longer-term adoption angle to the latest XRP News. The XRP-focused treasury company completed its business combination with Armada Acquisition Corp. II in October and entered the public markets under the ticker XRPN.
The development creates another potential channel for institutional participation in the XRP ecosystem. However, XRPN shares are not the same as XRP, and Evernorth’s listing does not automatically translate into new buying pressure for the token.
For investors following XRP News, the combination of regulatory engagement, ETF flows, and treasury activity offers several indicators to monitor. Ripple’s support for the SEC proposal could contribute to a cleaner regulatory environment, while Evernorth’s strategy may expand institutional participation over time.
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TL;DR: Technical documentation for the proposed LendingProtocolV1_1 amendment describes closed-ended vaults with defined subscription and redemption dates on the XRP Ledger.
XRP Ledger developers have outlined a more structured approach to lending vaults, adding a design that would let some pools run for a fixed period rather than remain permanently open to deposits and withdrawals.
The LendingProtocolV1_1 documentation introduces a VaultKind setting in the VaultCreate transaction. An open-ended vault remains the default, while a second value would identify a closed-ended vault with additional dates controlling when new subscriptions close and when redemption can begin.
Those fields matter for products that need a predictable investment period. Institutional-style lending arrangements often have subscription windows, capital lockups and maturity schedules that are harder to represent using a continuously open pool.
The proposal describes the mechanics of creating such a vault, not the launch of a live lending product. It also does not erase the credit and liquidity risks associated with on-chain lending. A technical standard can define how a position behaves, but it cannot guarantee that a borrower will repay or that a market will remain liquid.
XRPL’s broader lending discussions have attracted attention because they point to potential financial products built directly around ledger-level features rather than solely through external applications.
For now, the important question is whether validators and developers are satisfied with the amendment’s implementation and how any final version would interact with the rest of the network.
Written by the News Desk and edited by Samuel Rae.
CryptoQuant’s reserve data show XRP exchange reserves have climbed to 11.81 billion tokens, a reading in the 99th percentile of the past year. As of now, XRP is trading at the $1.30 price level, while traders watch whether $1.25 holds, as a break below that level would put $1.00 in focus.
CryptoQuant’s aggregate measure places XRP held across exchanges at its highest point in the one-year comparison. Exchange reserves count tokens in wallets controlled by trading platforms, where they can be accessed for trading more readily than assets held in private wallets or cold storage.
For market structure, the direction of flows matters alongside the reserve level. Deposits add to exchange-held supply, while withdrawals to private wallets reduce the quantity immediately available on platforms; upcoming data will show whether the 11.80 billion balance continues to climb or starts to fall.
The distinction is relevant because elevated reserves can weigh on price when holders sell into bids, particularly near a contested support zone. A sustained reserve decline would ease that supply concern, while continued growth would keep the overhang in view.
Earn $50 and Enter $300K Prize Draw on EdgeXBinance XRP open interest stood at approximately $412 million on October 20, down from $453 million on October 17. Across exchanges, XRP open interest reached $1.40 billion, up 2.5% over 24 hours. The recovery suggests derivatives exposure is rebuilding, although Binance positioning remains below its mid-October level.
Long liquidations reached $2 million across exchanges over the latest 24-hour period, compared with $431,000 in short liquidations. Binance funding remained slightly positive at 0.0023% per eight hours, while the average across exchanges turned marginally negative at -0.0004%. XRP traded near $1.29, leaving leveraged traders exposed to further volatility.
The market now faces two competing pressures: renewed aggregate derivatives positioning and elevated exchange-held XRP reserves. The next move may depend on whether renewed derivatives activity coincides with sustained spot selling or a reduction in exchange-held supply.
Demand from institutions and large holders could counterbalance exchange supply. US spot XRP ETFs recorded a $1.84 million weekly net outflow for October 12-16, ending a 13-week run of inflows. The earlier inflow streak is covered in XRP ETF flow data.
Trade XRP on Bybit and Get a Chance to Win Our $1,000 USDT AirdropXRP has rebounded from around $1.25 to trade near $1.30-$1.31, leaving the support zone as the immediate downside reference. we identified increased XRP Ledger on-chain volume near $1.25 as a possible sign of a local bottom, while the technical setup keeps $1.00 in focus if support fails.
The network activity picture is mixed. XRP Ledger payment volume was about 119.5 million XRP on October 17, down 72.3% from the previous day and below the reported 30-day average of roughly 629.3 million XRP.
Above spot, $1.33 is immediate resistance and $1.39 is a key level. Martinez’s broader technical scenario calls for a sustained close above $1.56 to open a path toward $2; his downside scenario puts $1.00 in focus after a break below $1.25. A technical view of XRP support and potential recovery levels also centers on the market’s ability to defend demand zones.
If XRP price holds $1.25 and exchange reserves begin to fall through net outflows, the supply-overhang concern would ease. If the token loses support, $1.00 becomes the next level, with elevated reserves adding to the need for buyers to absorb available supply.
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The XRP Ledger is having big news as it prepares a network upgrade aimed at cleaning up existing code and improving the network’s overall reliability. The upgrade received support from 29 of 35 trusted validators and was expected to go live on October 23.
Meanwhile, separate proposals to introduce lending services and new ways to manage digital assets received fewer votes, meaning these features are still at different stages of approval. If implemented, they could expand the XRP Ledger’s decentralized finance ecosystem by allowing users to lend assets and access new financial services directly on the network.
The XRPL’s fixCleanup3_4_0 amendment is projected to activate at 09:34 UTC on October 23. The amendment tracker recorded 29 votes for fixCleanup3_4_0 on October 9, and the count remained at 29 on October 19.
The amendment itself packages fixes across newer DeFi infrastructure, including precision and rounding changes for vault deposits, withdrawals, and clawbacks, as well as refinements to freeze, authorization, credential, and destination handling for Single Asset Vaults and the Lending Protocol.
XRPL’s activation process requires support above 80% throughout a 14-day voting period. Votes are counted at flag ledgers, which occur roughly every 16.5 minutes, so activation starts at the first flag ledger after the period ends rather than at its precise expiration time; the ledger’s record has final authority over the tracker count.
The projected October 23 activation is conditional on that support continuing. It would put the cleanup package into effect, not switch on the broader lending market. The xrpld 3.4.0 release describes LendingProtocolV1_1 as an extension adding closed-ended vaults and cash-basis accounting.
Earn $50 and Enter $300K Prize Draw on EdgeXThe proposed Lending Protocol uses fixed-term, uncollateralized loans funded by depositors through a Single Vault managed by brokers. Borrowers repay on set terms, while credit checks take place off-chain; the current design has no automated on-chain collateral or liquidation management.
Some brokers may contribute first-loss capital to absorb defaults before depositor funds are affected, but that structure does not eliminate credit risk. In a documented example, a 1,090-token default returns 10.9 tokens and leaves the vault with a 1,079.1-token loss.
Missed payments trigger a grace period, after which the broker may default the loan. The distinction between code readiness and lending approval matters: cleanup improves the protocol’s implementation, while validator governance still controls whether Single Asset Vaults and the lending amendments become active.
RLUSD payments and settlement developments form a separate track from lending, as illustrated by Ripple’s Cross River API partnership.
Trade XRP on Bybit and Get a Chance to Win Our $1,000 USDT AirdropFor fixCleanup3_4_0, the next milestone is the first qualifying flag ledger after its 14-day period, provided support stays above 80%. Lending Protocol and LendingProtocolV1_1 must each reach 29 votes and sustain the required support before their own activation countdowns begin; Single Asset Vault needs at least eight more votes from its October 19 count.
That leaves validator governance as the gating factor for any lending expansion. The cleanup amendment’s projected activation time is 09:34 UTC on October 23, with vote checks continuing at flag ledgers roughly every 16.5 minutes.
Overall, the progress is positive news for XRP, showing continued development on the XRP Ledger and growing support for network improvements. While the lending features remain separate proposals, further upgrades could strengthen the network’s reliability and help expand its use beyond payments.
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Using approximately 63.13 billion circulating XRP, multiplying the supply by a $210 price produces a value of about $13.26 trillion. A trader is turning a viral year-end call into a valuation claim on a scale rarely seen in any asset. With XRP trading under $1.35, the arithmetic-not Ripple’s expanding business alone-is the test the prediction has to pass.
Crypto Captain posted that XRP would reach $210 before the end of 2026. The claim drew pushback from XRP supporters, while the token was trading around $1.31, down from approximately $1.50 on October 6, a decline of roughly 13%.
BOOM
— CRYPTO CAPTAIN (@UniverseTwenty) October 16, 2026#XRP going to hit 210$ before end of year pic.twitter.com/9Zdgy8vWxs
The basic calculation is price multiplied by token supply. Using approximately 63.13 billion circulating XRP, $210 produces an implied XRP market cap of about $13.26 trillion; applying the same price to the full 100 billion maximum supply yields a fully diluted valuation of $21 trillion.
At roughly $1.31, the circulating-supply calculation implies a market value near $82.9 billion. Reaching $210 would require the token price to rise about 160-fold from that level, or 15,900%; this is not a routine extension of a bullish chart target but a claim that XRP would command a multi-trillion-dollar valuation.
Market capitalization is the circulating token count multiplied by the proposed price, not a forecast of how much capital would need to flow into XRP. But a target of that scale still requires a credible account of why buyers would value the outstanding supply at $210 per token.
Earn $50 and Enter $300K Prize Draw on EdgeXThe prediction arrived amid five Ripple-related institutional developments announced between October 6 and October 15. They covered brokerage, custody, tokenization, stablecoin settlement, and derivatives access-business lines that broaden Ripple’s institutional footprint.
Ripple Prime announced brokerage, clearing, and financing services for funds managed by Brevan Howard, an investment group with approximately $35 billion under management. But that figure describes the group’s assets, not capital committed to XRP.
Standard Chartered launched institutional custody for RLUSD issued on the XRP Ledger, while DriveWealth announced plans to integrate RLUSD on the ledger for settlement in Europe before a planned U.S. expansion. Meritz Securities partnered with Ripple to explore custody and tokenization, and Ripple Prime also launched institutional access to perpetual swaps across more than 100 reference markets.
Those developments matter to Ripple’s commercial reach, but their connection to XRP varies. Custody and planned settlement focused on RLUSD, while brokerage and financing arrangements do not establish how much XRP institutions need to hold or trade.
Even activity on the XRP Ledger does not translate one-for-one into XRP buying. The report cites a standard transaction fee of 0.00001 XRP, a small amount that means greater stablecoin use can generate ledger activity without requiring institutions to accumulate a comparable value of the native token.
Trade XRP on Bybit and Get a Chance to Win Our $1,000 USDT AirdropThe central investment question is whether Ripple’s business growth creates sustained demand for XRP itself. That depends on the role the token plays in institutional activity, not simply the number of partnerships or services associated with Ripple.
RLUSD custody gives institutions a way to hold Ripple’s stablecoin, and the stablecoin may also serve as collateral in institutional trading. These uses can expand Ripple’s financial infrastructure while leaving clients without a need to hold significant XRP balances.
A more direct demand channel would emerge if institutions used XRP to transfer value between currencies or provide trading liquidity. The scale of that activity-and the XRP balances participants retain to support it-would matter more to token valuation than the headline count of Ripple announcements.
The $210 call is a social-media assertion, while its implied valuation is clear: approximately $13.26 trillion on circulating supply and $21 trillion on the maximum supply. Those figures put the burden on the prediction to explain the demand and value capture that could support such a price.
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Upbit recorded 8.35 trillion won ($6.28 billion) in trading volume for the week ending October 18, 2026, a 15.5% decline from the prior week. XRP nevertheless ranked first on South Korea’s largest exchange despite the news, ahead of Bitcoin and USDT. The contrast is clear: overall activity cooled, but trading attention remained concentrated in XRP.
There was a 19.56% fall in trading volume across major South Korean platforms in the preceding week, a separate period that points to cooling; against that comparison, Upbit’s 15.5% contraction was milder. During mid-October, its 24-hour trading volumes ranged from about $340 million to more than $1.2 billion on active days.
XRP Takes The Lead as Upbit Trading Cools
— BSCN (@BSCNews) October 19, 2026
South Korea’s largest crypto exchange, Upbit (@Official_Upbit), recorded 8.35 trillion won ($6.28 billion) in weekly trading volume through October 18.
This is 15.5% lower compared to the preceding week.
Worth noting, major exchanges… pic.twitter.com/iKQhddhgpR
Upbit has consistently held the leading position in South Korea and regularly outpaced rival Bithumb. Upbit volumes have often reacted to moves in domestic stock markets, suggesting Korean traders may treat equities and crypto as competing or neighboring risk exposures.
At the same time, South Korea has been blocking 27 offshore exchanges, which belongs to the wider regulatory backdrop.
For now, lower turnover can leave order books thinner, increasing the potential price impact of large market orders. That is a liquidity consideration.
Earn $50 and Enter $300K Prize Draw on EdgeXXRP finished ahead of Bitcoin and USDT, with Bitcoin second and USDT third. That ordering shows where reported trading activity was concentrated on Upbit. USDT’s third-place finish adds a different kind of signal: it shows the stablecoin was among the exchange’s most-traded assets.
The key figures are best read together, without treating turnover as a directional price indicator:
Trade XRP on Bybit and Get a Chance to Win Our $1,000 USDT AirdropThe next weekly print will show whether Upbit turnover stabilizes near 8.35 trillion won or continues to contract. XRP’s position at the top of the volume table is the other useful checkpoint: retaining it through a quieter market would confirm continued relative concentration.
The preceding 19.56% sector-wide decline also frames the competitive question. Bithumb and other domestic venues face the challenge of attracting activity in a softer market, not merely taking share from Upbit.
Until fresh figures clarify both aggregate turnover and asset rankings, the current data support a narrower conclusion: trading cooled, while XRP remained Upbit’s most-traded asset.
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XRP is trading near $1.31, up 1.4% over 24 hours, but that bounce has not yet reversed the lower-high structure. The immediate test is whether buyers can defend the $1.24–$1.32 demand zone and reclaim resistance, or whether support gives way before a run toward $2 becomes plausible. Here’s our XRP price prediction.
Our analyst places XRP inside that demand zone after a failed rebound near $1.40. Consecutive bearish daily candles have put sellers in control. The chart tells the story; the support response is the next piece of evidence to watch.
A correction weighed on crypto markets on October 18, with XRP down 1.80% alongside other major assets. XRP’s subsequent rebound, alongside Bitcoin’s, points to short-term stabilization. But for now, these levels below matter more than the bounce.
Earn $50 and Enter $300K Prize Draw on EdgeXAt $1.31, XRP is testing the upper portion of the $1.24–$1.32 demand zone. Selling pressure remains a concern as cumulative XRP volume delta selling near $2 billion across tracked markets, a sign that aggressive sell flow has persisted.
First, buyers need to hold the zone and reclaim $1.32. The next hurdles are $1.38, near the 200-day moving average, and $1.40. A sustained daily close above $1.38–$1.40 would improve the breakout case; it would still leave $1.60 and the $1.80–$2.00 resistance region ahead.
Our prior XRP price analysis also identifies the $1.36–$1.37 retest and $1.45 reclaim as relevant thresholds. A move to $2 is possible, but it is not the next unimpeded step.
Base case: consolidation around demand until price proves otherwise. Bull case: a hold, followed by a sustained reclaim of $1.40, opens a test of higher resistance. Bear case: a break below $1.24 weakens the September base; a move under $1.20 would raise downside risk toward $1.00 and lower supports.
Which signal arrives first? For now, the support test, not the $2 target, sets the trade.
Trade XRP on Bybit and Get a Chance to Win Our $1,000 USDT AirdropXRP’s rebound offers some relief, but the structure remains fragile and the route to $2 runs through several resistance levels. That leaves a clear gap between a support bounce and a confirmed trend reversal. For traders looking beyond a large-cap setup, early-stage tokens offer a different risk profile.
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XRP price traded near $1.34 on October 16, about 4% below the 200-day simple moving average (SMA) at $1.36. The immediate test is whether buyers can reclaim and hold the average; until they do, the historical $3.20 comparison remains a scenario.
The comparison rests on XRP’s 2023 interaction with its long-term trend measure. In March that year, the token moved above a 200-day SMA near $0.40, then returned toward the broader moving-average zone in May, briefly slipped below it, and recovered.
Historical data places the May low near $0.42, while contemporaneous analysis treated $0.40 as the main support area. XRP subsequently reached $0.93 on July 13, a rise of about 134.5% from $0.40.
That sequence is useful as a technical precedent. The strongest leg of the 2023 rally followed the court ruling in the SEC’s case against Ripple, a separate catalyst that helped accelerate price beyond what the moving-average defense alone could explain.
Applying the same 134.5% gain to today’s cited SMA of $1.36 produces $3.20. From $1.31, that would require an advance of roughly 145%; it is a historical-repeat calculation.
Earn $50 and Enter $300K Prize Draw on EdgeXThe distinction between a test and a reclaim matters. At roughly $1.33, XRP is below the 200-day SMA, so buyers would first need to push price above $1.37 and then defend that level on a pullback. A successful retest would offer evidence that the average has shifted from resistance to support.
If price cannot recover the average, the 2023 analogy loses force: a moving average acting as overhead resistance is not the same setup as one that buyers have reclaimed and defended. That leaves the immediate risk skewed toward further weakness before any larger recovery scenario becomes relevant.
Trade XRP on Bybit and Get a Chance to Win Our $1,000 USDT AirdropThe required XRP price analysis therefore starts with the moving average, not an assumption of a rapid run to higher resistance. Separately, we have discussed $1.45 as a near-term resistance or confirmation level in another XRP outlook.
The two levels describe different steps in a possible recovery: first, XRP would need to reclaim and hold the cited $1.37 SMA; only then would higher resistance zones become relevant. A rejection below the average would keep the downside condition in place, while a defended retest would make the historical comparison more technically applicable.
For now, the near-term signal is the behavior around $1.37. The proportional $3.20 scenario remains conditional on that reclaim and support retest, while the 2025 peak near $3.66 provides a higher historical reference.
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