The recent crypto slump has weighed heavily on Ripple Labs' XRP (CRYPTO: XRP). The token is down over 60% on its all-time high, closing at $1.42 on Feb. 18. Unfortunately, XRP is likely to struggle further if the rout continues, which it may well do. Standard Chartered recently slashed its 2026 target for XRP by 65% from $8 to $2.80. The investment bank also backpedalled on forecasts for Bitcoin and Ethereum, citing the harsh climate and liquidity challenges. That said, its XRP cut was the biggest and may ...

Ripple’s closest Asian partner and long-term XRP bull SBI Holdings has announced a plan to issue around $65 million worth of onchain bonds. The bonds will pay their owners a fixed interest rate of between 1.85% and 2.45%, to be paid half-yearly. And the bonds will provide their owners with $1.29 worth of XRP for every $645 worth of the bonds they own. The company said the bonds will be issued in March and will mature in early 2029. Both Ripple and consulting firms like the Boston Consulting Group have ...

Many cryptocurrencies lost their luster over the past year. High Treasury yields, expectations for slower monetary easing, and waning institutional interest all chilled the market, while leveraged liquidations triggered incessant waves of profit-taking. Some of those cryptocurrencies -- especially "blue chip" ones like Bitcoin (CRYPTO: BTC) and Ethereum (CRYPTO: ETH) -- could bounce back if the market warms up again this year. However, two other popular ones -- XRP (CRYPTO: XRP) and Dogecoin (CRYPTO: DOGE ...

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Core Insights - XRP, the native token of the XRP Ledger, has shown significant appreciation since its inception, with an investment of $10,000 in 2013 now worth $2.35 million, raising questions about its future potential for new investments [1] Group 1: XRP's Background and Usage - XRP was created by Ripple Labs in 2012 and is designed as a bridge currency for facilitating cross-border transactions, claiming advantages over traditional SWIFT transfers in terms of cost, speed, and security [2] - The entire supply of XRP, totaling 100 billion tokens, was pre-minted and cannot be mined or staked like Bitcoin or Ethereum [1] Group 2: Regulatory Challenges - In 2020, the SEC filed a lawsuit against Ripple, alleging that the sale of XRP constituted the sale of unregistered securities, leading to the delisting of XRP from several major exchanges [3] - The lawsuit concluded in August 2023 with a favorable ruling for Ripple, stating that XRP was not an unregistered security when sold to retail investors, resulting in the relisting of XRP on top exchanges [4] Group 3: Long-term Viability and Challenges - Despite the positive regulatory outcome, critics argue that XRP lacks sufficient long-term catalysts for growth, particularly with the rise of stablecoins that can directly facilitate cross-border transactions without needing XRP [5] - The XRP Ledger's limitations in supporting smart contracts hinder its appeal for developers, although recent updates have introduced Ethereum-compatible sidechains [6] Group 4: Future Opportunities - Ripple's application for a U.S. bank charter and potential expansion into broader financial services could enhance XRP's transaction usage [7] - The introduction of new ETFs may attract institutional investors, especially as the cryptocurrency market recovers from its downturn [7]

But things have accelerated this month, following a closed-door meeting where Senate Majority Leader Chuck Schumer reportedly urged Senate Democrats to get the legislation "over the finish line." SkyBridge Capital founder Anthony Scaramucci and vocal Bitcoin (CRYPTO: BTC ) advocate linked this to the surge in industry campaign funding for midterms.Coinbase CEO Brian Armstrong opposed the latest draft less than 24 hours before a planned Senate Banking markup, posting on X that it “would be materially worse t ...

Group 1 - The cryptocurrency market has experienced a significant crash, with XRP declining over 30% in the last three months and a major bank lowering its year-end price target by 65% [1][5] - XRP currently has a market capitalization of $90 billion, making it the fourth-largest cryptocurrency after Bitcoin, Ethereum, and Tether's USDT [2] - XRP is the native cryptocurrency of the XRP Ledger, launched in 2012, and was developed by members who later founded Ripple Labs [2] Group 2 - XRP has faced regulatory challenges since the SEC sued Ripple Labs in December 2020, claiming the sale of XRP tokens constituted unregistered securities [3] - A landmark ruling in July 2023 determined that Ripple's programmatic sales of XRP on exchanges were not securities transactions, although sales to institutions violated securities laws [3] - Following a settlement between Ripple and the SEC, the launch of ETFs tied to XRP initially generated optimism, but the market crash on October 10 led to a decline in enthusiasm [4] Group 3 - Standard Chartered, a 172-year-old British bank, has revised its XRP price target downwards, reflecting the ongoing struggles in the cryptocurrency market [5] - The bank's global head of digital assets research had previously predicted XRP would reach $8 by the end of 2026, but this forecast has been adjusted due to the market's failure to recover [6]

🚨LATEST: SBI CEO SHUTS DOWN $10B XRP HOLDINGS CLAIMSBI Holdings CEO Yoshitaka Kitao ( @yoshitaka_kitao ) rejected a viral post claiming the firm holds $10 billion in $XRP.He said SBI’s real exposure is its 9% equity stake in @Ripple Labs.Kitao suggested the market may be undervaluing that position. ...

Core Viewpoint - XRP experienced significant price fluctuations, initially appearing as a strong investment opportunity but later facing a steep decline due to macroeconomic uncertainties and lack of substantial transaction volume [1][3]. Group 1: Price Movement and Market Value - In early November 2024, XRP traded at $0.70 per coin, with a market value of $41 billion [1]. - By mid-January 2025, XRP's price surged to $3.30, resulting in a market value of $182 billion, making it the third-largest cryptocurrency [2]. - Since July 2025, XRP has seen a decline of over 50% from its peak, indicating a significant downturn in its valuation [3]. Group 2: Use Case and Adoption - XRP was designed to facilitate cross-border payments, offering a faster and cheaper alternative to the SWIFT network, with transactions settling in seconds at minimal costs [4]. - Despite numerous partnerships with banks and payment providers, most initiatives have not scaled to meaningful transaction volumes, raising concerns about actual usage [5]. Group 3: Investment Considerations - Transparency in transaction volume data is crucial; regular, audited reports on On-Demand Liquidity (ODL) transaction volume would enhance investor confidence [6]. - A major global bank publicly utilizing XRP for significant transactions would be a strong indicator of its viability [6]. - Competition from stablecoins and central bank digital currencies (CBDCs) poses a threat, necessitating a clear competitive advantage for XRP [6].

Many altcoins, defined as any cryptocurrency besides Bitcoin (CRYPTO: BTC), fizzled out over the past year as high Treasury yields, unclear monetary policies, and other messy macro headwinds drove investors toward more conservative investments. However, investors who can stomach some near-term volatility might find a few good buying opportunities before the crypto market warms up again. Two of those promising altcoins are XRP (CRYPTO: XRP) and Solana (CRYPTO: SOL). Let's see why these two smaller tokens c ...