Key Points Geoffrey Kendrick at Standard Chartered thinks XRP will reach $12.50 by 2028, which implies 500% upside from its current price. Kendrick believes the XRP blockchain's ability to facilitate fast and inexpensive cross-border and cross-currency transactions will drive demand. Kendrick also believes the recent approval of spot XRP ETFs will unlock demand among retail and institutional investors, pushing XRP's price higher. 10 stocks we like better than XRP › The cryptocurrency market has ...

Group 1 - XRP has experienced a nearly 40% decline from its July peak, yet many investors remain optimistic due to Ripple securing conditional approval for a national bank charter and the resolution of its SEC case [1] - RippleNet's adoption does not necessarily increase XRP demand, as banks can utilize Ripple's technology without using XRP, focusing instead on faster payments and lower costs while retaining traditional currencies [2] - The On-Demand Liquidity (ODL) service uses XRP as a bridge asset for cross-border transactions, but its adoption is limited to smaller institutions, with major banks not utilizing it [3] Group 2 - There is a disconnect in the investment thesis for XRP, as the expectation that increased banking adoption would lead to higher XRP demand is undermined when banks grow without using XRP [4] - Ripple's development of the RLUSD stablecoin could potentially replace XRP as the preferred bridge asset in ODL transactions, further complicating XRP's value proposition [5] - The current value of XRP is largely based on speculation and hype, which may diminish over time, leading to a potential price drop [6] Group 3 - Ripple's business momentum does not guarantee increased demand for XRP as an investment, and the introduction of a dollar-backed stablecoin could alter the long-term investment thesis for XRP [9]

Group 1: Regulatory and Legal Developments - Former head of the Digital Currency Research Institute, Yao Qian, is under investigation for accepting bribes in the form of 2,000 ETH related to an ICO project, with evidence found in his office [1][2] - The U.S. Commodity Futures Trading Commission (CFTC) has restructured its Innovation Advisory Committee, including executives from both crypto companies and traditional financial institutions, to assist in developing market structure regulations [5] - The South Korean Financial Services Commission has finalized guidelines allowing listed companies and professional investors to invest up to 5% of their equity capital in the top 20 cryptocurrencies by market capitalization [4] Group 2: Economic Indicators - The U.S. Consumer Price Index (CPI) for December showed an annual rate of 2.7%, matching expectations, while the core CPI was at 2.6%, slightly below expectations, leading to increased bets on potential interest rate cuts by the Federal Reserve [3] Group 3: Market Trends and Insights - BlackRock's 2026 Global Outlook report highlights that the rise of stablecoins poses a challenge to sovereign currencies in emerging markets, indicating a shift in the control of domestic currency usage [7] - ARK Invest's Cathie Wood emphasizes Bitcoin's asset allocation value, noting its supply growth is mathematically capped, contrasting with gold, and its low correlation with traditional assets makes it a strong risk diversification tool [8] Group 4: Financing Events - Ripple is set to provide $150 million in financing to LMAX Group to promote the use of RLUSD in institutional trading [10] - Stablecoin payment company Rain has raised $250 million in its latest funding round [10] - Alpaca has completed a $150 million Series D funding round, achieving a valuation of $1.15 billion [10]

Introducing the University Digital Asset Xcelerator (UDAX). 🎓@UCBerkeley and Ripple's University Blockchain Research Initiative launched a pilot program to accelerate the transition from academic innovation to institutional XRP utility: https://t.co/5Tw9D9HRfDThe UDAX - UC Berkeley mission:➡️ Scaling enterprise solutions using XRP➡️ Bridging the gap between early-stage ideas & market readiness➡️ Connecting founders with Ripple engineers & global VCs ...

Core Insights - XRP is currently trading near $2.10, with recent spot exchange-traded funds (ETFs) surpassing $1.37 billion in total inflows [1][3] - The recent 35-day streak of net inflows for XRP ETFs ended on January 7, with a single-day outflow of approximately $40.8 million [2] - Institutional interest in XRP appears to be increasing, as indicated by futures positioning and ETF flows, despite a flat chart appearance [2] Market Activity - Total inflows for XRP since the launch of ETFs are approximately $1.37 billion, with around $483 million added in December [3] - XRP futures open interest is around $4.08 billion, making it one of the largest markets outside of Bitcoin and Ethereum [3] - Approximately $5.75 billion was traded through XRP futures in the past day, indicating active but calm derivatives markets [3] Price Action - XRP is consolidating above a long-term support level, having broken out of a multi-year wedge earlier [4][5] - The price has shown a series of lower highs since peaking above $3.00, but remains above the previous breakout zone, suggesting consolidation rather than a full trend breakdown [5] - Recent weekly candles indicate reduced volatility and smaller ranges, which may signal fading selling pressure [5] Technical Outlook - As long as XRP holds above the $2.00 support level, the broader uptrend that began in early 2024 remains intact [6] - A break below $2.00 could weaken the bullish outlook, while a move back toward $3.00 would indicate fresh momentum [6]

Core Insights - Ripple's US dollar-backed stablecoin, RLUSD, has reached a new all-time high in market capitalization, driven by partnerships and regulatory advancements that enhance its appeal to institutional investors [1][2] Group 1: Market Performance - RLUSD's market capitalization has surpassed $1.38 billion, marking it as one of the fastest-growing digital assets with an increase of $125 million since late November 2025 [2] - The growth of RLUSD is primarily attributed to Ripple's partnership with LMAX Group, a prominent global marketplace for foreign exchange and digital assets [3] Group 2: Partnership Details - The partnership with LMAX Group involves a multi-year collaboration where RLUSD will be integrated as a core collateral asset within LMAX's institutional trading infrastructure [4] - This integration allows banks, brokers, and buy-side institutions to utilize RLUSD for cross-collateralization and margin efficiency in various trading formats, including spot crypto and perpetual futures [4][6] Group 3: Strategic Implications - Ripple has committed $150 million in financing to support LMAX's long-term growth strategy, emphasizing the importance of fiat-backed stablecoins in bridging traditional finance and digital assets [5] - The partnership is expected to enhance liquidity for institutional clients, providing secure custody through segregated wallets and 24/7 access to a cross-asset marketplace, a feature not typically available with traditional fiat currencies [6]

Core Viewpoint - Interactive Brokers has introduced the ability for eligible clients to fund brokerage accounts using stablecoins, enhancing global market access with 24/7 deposits and near-instant processing [1][5]. Group 1: Stablecoin Funding - Clients can transfer dollar-pegged stablecoin USDC from a crypto wallet to a secure wallet provided by ZeroHash, with plans to add support for Ripple's RLUSD and PayPal's PYUSD next week [1][5]. - Once received, the stablecoin is automatically converted into U.S. dollars and credited to the client's brokerage account, enabling trading shortly after the transfer [2]. Group 2: Market Impact and Fees - Milan Galik, CEO of Interactive Brokers, emphasized that stablecoin funding offers international investors speed and flexibility, allowing fund transfers and trading within minutes while reducing transaction costs [3]. - The firm does not charge fees for stablecoin deposits, but users are responsible for blockchain network fees. ZeroHash applies a 0.30% conversion fee per deposit, with a minimum fee of $1 [4]. Group 3: Company Developments - This announcement is part of Interactive Brokers' strategy to expand into crypto-linked services, having previously offered stablecoin account funding for U.S. retail clients since December [5]. - Interactive Brokers has invested in ZeroHash, which recently raised $104 million at a $1 billion valuation. Following the announcement, shares in Interactive Brokers rose over 3%, reaching a lifetime high of $75 [5].

Core Viewpoint - XRP has experienced a pullback to $2.07, driven by profit-taking near the $2.13 resistance level, despite ongoing institutional demand indicated by ETF inflows and decreasing exchange balances [1][2][3] Regulatory Developments - Ripple has received preliminary authorization for an e-money license in Luxembourg, enabling expansion of regulated digital-asset payment services across the EU [2] - The company is also pursuing a CASP license under the EU's MiCA framework, positioning the XRP ecosystem for compliance within the new regulatory environment [2] Institutional Interest - Institutional interest in XRP remains strong, with cumulative net allocations to spot XRP ETFs reaching approximately $1.26 billion and no recorded outflow days [3] - The supply of XRP held on exchanges has decreased to below 2 billion tokens, down from over 4 billion in late 2025, indicating reduced immediate sell-side liquidity [3] Technical Analysis - XRP declined by 3.7% over a 24-hour period, falling from $2.149 to $2.070, with significant selling pressure near the $2.13 resistance level [5][9] - The trading volume spiked to 102.7 million tokens during the U.S. session, approximately 133% above the 24-hour average, leading to a rejection of price near $2.131 [5] - A late-session flush saw XRP drop to $2.059, followed by a rebound to $2.07, but the overall market structure remains heavy below $2.13 [6][9] Market Sentiment - The current market sentiment is characterized as a "sell-the-rally" environment, with short-term traders taking profits near the $2.13 level [8] - As long as the $2.13 resistance holds, XRP's price is expected to remain range-bound rather than trending higher [8]

Core Insights - Ripple has approved a $150 million plan to enhance the use of its dollar stablecoin, RLUSD, among large financial firms through a partnership with UK-based trading group LMAX [1][3] Group 1: Ripple's Strategic Moves - The $150 million financing will be provided to LMAX over several years, enabling LMAX to integrate RLUSD into its trading systems for collateral and settlement purposes [3] - This initiative aims to facilitate faster and more efficient money movement in global markets, reducing delays associated with traditional bank transfers [3][4] - Ripple's focus is shifting towards stablecoins, with RLUSD being a key component, while the XRP Ledger continues to support its broader ecosystem [4] Group 2: Market Reactions and Trends - Following the announcement, XRP's price remained stable, indicating that traders perceive this as a long-term business strategy rather than immediate trading news [2] - Companies are increasingly adopting XRP for operational purposes, as seen with Nature's Miracle holding $20 million worth of XRP in reserves, which stabilizes demand over time [6] - Payment companies like Webus International are also engaging with XRP, exemplified by a $100 million deal to enhance payment services, contributing to real transaction volumes [7] Group 3: Stablecoin Implementation - RLUSD is designed to maintain a value close to one dollar, making it suitable for businesses seeking predictable valuations [8] - Platforms such as Doppler Finance plan to utilize RLUSD for managing payments and liquidity, while XRP facilitates rapid value transfers in the background [8]

We’re partnering with @LMAX to accelerate institutional stablecoin adoption and cross-asset mobility.$RLUSD will be integrated as core collateral across LMAX’s global marketplace — unlocking cross-collateral efficiencies across crypto and traditional markets.LMAX Group (@LMAX):We are thrilled to announce a partnership with Ripple to accelerate institutional stablecoin adoption and cross-asset mobility.This multi-year collaboration will see LMAX Group integrate RLUSD collateral across its institutional tradi ...