XRP Holds Above $1.40 as Ripple Secures Singapore Central Bank Pilot and RLUSD Rivalry Intensifies

Quick overview

As a stream of institutional news centers around Ripple’s ecosystem, XRP XRP/USD is trading at about $1.42, practically flat over the last 24 hours. However, the token’s price indicates a steady fall from its peak of $3.65 in July 2025. The investment thesis for XRP holders is being complicated by a growing internal competitor in the shape of RLUSD, notwithstanding the accumulation of bullish macro factors.

Ripple Enters Singapore’s BLOOM Initiative, Embedding XRPL in Regulated Trade Finance

The Monetary Authority of Singapore’s BLOOM initiative, which is an outgrowth of Singapore’s Project Orchid digital currency research program, welcomed Ripple on March 25. In a trial project with supply chain financing company Unloq, Ripple’s XRP Ledger infrastructure is paired with its RLUSD stablecoin. Unloq’s SC+ technology automates payment release as soon as shipment conditions are confirmed on-chain.

DBS, J.P. Morgan, Standard Chartered, Stripe, and BlackRock-affiliated companies are among the formidable list of participants in BLOOM, all of which are investigating tokenized commercial bank money and programmable settlement across G10 and Asian currencies. The significance of XRP is that it is integrated within a regulated, central bank-endorsed system, which is exactly the kind of regulatory validation that institutional capital need prior to making long-term commitments.

NYSE Tokenization and Ripple Custody Signal a Broader On-Chain Shift

The New York Stock Exchange has signed a Memorandum of Understanding with Securitize, the same tokenization platform that already uses RLUSD as a settlement layer for BlackRock’s BUIDL fund, according to cryptocurrency analyst Pumpius. On its future digital trading platform, the NYSE designated Securitize as the first transfer agent allowed to manufacture blockchain-native securities.

More than 20 nations currently use Ripple Custody, and according to a February 2026 article, it assisted DZ Bank in launching a digital custody business in less than ten months. Bulls contend that XRP is a neutral bridge asset that stands at the intersection of all this activity and that a $100 trillion real-world asset market settling on-chain will eventually require the liquidity rails that XRP was intended to supply.

The RLUSD Problem: Ripple’s Stablecoin Is Outgrowing XRP’s Narrative

This is the awkward tension in Ripple’s ecosystem: XRP’s primary use case as a bridge currency is immediately challenged by RLUSD’s remarkable performance. Since its launch in December 2024, RLUSD has processed $3.5 billion in adjusted transaction volume in only the last 30 days, and its market capitalization has increased to $1.56 billion, or nearly 1,278% growth in just over a year.

The stablecoin is being integrated by major financial institutions in Brazil, Deutsche Bank, SBI Holdings (which introduced RLUSD in Japan in Q1 2026), and LMAX Group. Crucially, the network benefits are not yet fully returning to XRP because about 82% of RLUSD’s circulating supply is on Ethereum rather than the XRP Ledger. Institutions have no motivation to absorb the price fluctuation of XRP when they choose a stablecoin that is pegged to the dollar.

XRP/USD Technical Analysis: Stuck Between Support and a Cluster of Resistance

Technically speaking, XRP is consolidating in a narrow range following a protracted decline from $3.65. Important levels to observe:

• Support: After holding after multiple tests over the previous two months, $1.20 is the immediate floor. The path toward $0.90–$1.00, a significant psychological and historical support zone, would be opened by a breach below this level.
• Resistance: The closest significant limit is $2.00, which corresponds to a previous breakdown level from late 2025. Above that, sellers have traditionally dominated at $2.50 and $3.00, which signal increasingly stronger resistance.
• RSI and momentum: Neither panic selling nor conviction purchasing are suggested by price activity, which is generally neutral and consistent with the flat 24-hour change. A market that is awaiting a catalyst is indicated by the muted volume.

XRP Price Prediction: Institutional Tailwinds vs. RLUSD Headwinds

For XRP investors, the central question is whether Ripple’s unquestionable and growing institutional success will eventually result in structural, long-lasting demand for XRP the token, or if RLUSD has permanently taken that position.

• Bull case ($2.50–$3.00, 6–12 months): XRP may recover $2.50 or more if the NYSE tokenization buildout picks up speed, the GENIUS Act passes and solidifies RLUSD’s compliance status in ways that support XRPL’s function as a public settlement layer, and XRPL’s share of RLUSD volume surpasses Ethereum as anticipated by Ripple executives. A major positive driver would be the expansion of the Singapore BLOOM pilot into wider deployment throughout Asian trade routes.
• Base case ($1.20–$1.80, short-term): XRP is probably going to be range-bound unless there is a significant macro shift. Although RLUSD is being adopted by institutions, there isn’t currently a steady demand for XRP. The most likely short-term result seems to be consolidation between $1.20 and $1.80.
• Bear case (less than $1): The bridge-asset narrative will deteriorate much further if RLUSD continues to dominate Ethereum and XRP Ledger is unable to secure significant stablecoin circulation. A wider decline in the cryptocurrency industry might cause XRP to drop to between $0.85 and $1.00.

ABOUT THE AUTHOR See More

Arslan Butt

Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Arslan Butt serves as the Lead Commodities and Indices Analyst, bringing a wealth of expertise to the field. With an MBA in Behavioral Finance and active progress towards a Ph.D., Arslan possesses a deep understanding of market dynamics. His professional journey includes a significant role as a senior analyst at a leading brokerage firm, complementing his extensive experience as a market analyst and day trader. Adept in educating others, Arslan has a commendable track record as an instructor and public speaker. His incisive analyses, particularly within the realms of cryptocurrency and forex markets, are showcased across esteemed financial publications such as ForexCrunch, InsideBitcoins, and EconomyWatch, solidifying his reputation in the financial community.

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