XRP Price Prediction: Ripple Goes Deeper Into Banking and Solana’s Tokenisation Initiative
As XRP approaches 2026 under technical pressure, it is trading sideways near $2 despite gains in institutional engagement, liquidity, and...
Quick overview
- XRP is trading sideways near $2 as it faces technical pressure despite improving institutional participation and regulatory clarity.
- The token has stabilized above the 20-month Simple Moving Average, indicating long-term accumulation behavior among investors.
- Ripple has received conditional approval to establish Ripple National Trust Bank, enhancing its credibility with institutional partners.
- Recent macroeconomic shifts and ETF inflows suggest a supportive environment for XRP, although it continues to face resistance around the $2.50 mark.
Live XRP/USD Chart
As XRP approaches 2026 under technical pressure, it is trading sideways near $2 despite gains in institutional engagement, liquidity, and legal clarity.
XRP Stabilises After Volatile November Selloff
November delivered sharp volatility across global markets, triggering a broad pullback in both equities and digital assets as investors temporarily stepped away from risk. XRP was caught in the downdraft, sliding decisively during the worst of the liquidation wave and briefly dipping below the $2 mark. Despite the intensity of the selloff, the token has managed to reclaim and hold the $2 area, suggesting that longer-term participants remain willing buyers during periods of stress.
This resilience near a psychologically important level points to a growing divergence between short-term market uncertainty and longer-term accumulation behaviour. While momentum has cooled, XRP’s refusal to break lower has kept broader bullish scenarios alive.
Higher-Timeframe Support Continues To Anchor Price
From a structural perspective, XRP’s stability has been underpinned by its ability to remain above the 20-month Simple Moving Average. This long-term trend indicator has historically served as a key accumulation zone during extended corrective phases, and November’s decline once again followed that familiar pattern. Each test of this level has attracted consistent buying interest, reinforcing confidence among investors with longer time horizons.
Ripple Chart Monthly – The 20 SMA Is Holding As Support
Holding above this moving average has prevented a deeper breakdown and shifted the balance modestly back toward demand. As long as this support remains intact, the broader consolidation phase retains a constructive tone rather than signaling outright trend failure.
Overhead Resistance Limits Upside Momentum
Despite improving structure on higher timeframes, XRP continues to face significant resistance overhead. The $2.50 zone has repeatedly capped upside attempts, acting as a magnet for supply whenever price approaches it. Beyond that, the $3 level remains the defining psychological and technical threshold for the market.
A sustained break and close above $3 would represent a major inflection point, signaling that the prolonged consolidation phase may be transitioning into a renewed bullish cycle. Until that happens, rallies are likely to remain corrective in nature rather than impulsive.
Ripple Chart Daily – The 20 SMA Stopping the Upside Momentum
On shorter-term charts, particularly the daily timeframe, XRP continues to struggle below the 20-day Simple Moving Average. This indicator has turned into a persistent ceiling, pushing highs lower and limiting follow-through on rebounds. As long as price remains capped beneath it, the risk of another pullback toward $2—or even a deeper test of the $1.50 region—cannot be ruled out. That said, XRP has avoided setting new lower lows for over a month, a subtle but important sign of underlying stability.
Regulatory Progress Strengthens Ripple’s Institutional Standing
Beyond price action, Ripple has made meaningful progress on the regulatory front. CEO Brad Garlinghouse recently confirmed that Ripple has received conditional approval from the Office of the Comptroller of the Currency to establish Ripple National Trust Bank. This development places Ripple among a small group of blockchain firms operating under both federal OCC and New York State Department of Financial Services oversight.
The move significantly strengthens the compliance framework around RLUSD and reinforces Ripple’s transition from a digital asset issuer into a more traditional financial institution. At a time when regulators globally are tightening oversight of stablecoins and digital payments, this approval enhances Ripple’s credibility with institutional partners and long-term investors.
Cross-Chain Expansion Boosts XRP Utility
In a separate but related development, Hex Trust announced the launch of wXRP, a regulated, one-to-one backed wrapped version of XRP issued and custodied by the firm. The product enables XRP to move securely across blockchain networks, allowing it to integrate into decentralised finance ecosystems without relying on less secure third-party bridges.
wXRP launched with more than $100 million in total value locked, providing deep liquidity from inception. This rollout strengthens the relationship between XRP and RLUSD by unlocking new liquidity pairs and extending XRP’s presence beyond the XRP Ledger. Over time, this broader utility could support more consistent demand, particularly from institutional and DeFi participants.
Macro Backdrop Turns More Supportive For Risk Assets
XRP’s recent stabilisation has also coincided with shifting expectations around US monetary policy. Markets are widely pricing in another Federal Reserve rate cut, with a 25-basis-point reduction expected. Lower interest rates generally improve liquidity conditions and support higher-beta assets, including cryptocurrencies.
The Fed’s forward guidance will be critical. A signal that policymakers are prepared to pause could temporarily weigh on sentiment, while indications of continued easing into 2025 and 2026 would provide a more durable tailwind. Political speculation has added another layer of complexity, with reports suggesting Kevin Hassett could replace Jerome Powell, a scenario that markets associate with a more aggressive rate-cutting stance.
Recent labour data supports the dovish narrative. A decline in ADP employment, a rise in Challenger layoffs, and a delayed but subdued payrolls report all point to a cooling labour market. While not alarming, these signals give policymakers greater flexibility to ease if economic momentum continues to soften.
Institutional Voices Highlight Long-Term Blockchain Potential
Institutional sentiment toward digital assets continues to evolve. Maxwell Stein, BlackRock’s Director of Digital Assets, recently remarked that trillions of dollars could eventually flow into the blockchain ecosystem, though he stressed that near-term adoption hinges on proving real-world utility. Meanwhile, Nasdaq CEO Adena Friedman highlighted how banks are already tokenising bonds, fixed-income products, and stablecoins, including central bank digital currencies.
These developments underscore a broader shift toward tokenisation that could benefit established networks like XRP over time.
Escrow Releases And ETF Flows Shape Near-Term Outlook
Ripple’s recent release of 250 million XRP from escrow also drew market attention. While such events have historically raised short-term supply concerns, growing institutional demand appears to be absorbing available tokens more efficiently. Buyers continue to defend the $2 level, raising the possibility that tightening liquidity could eventually support a move toward $2.50.
ETF activity remains one of the strongest pillars underpinning XRP’s market structure. US spot XRP ETFs have recorded fifteen consecutive days of net inflows, one of the longest accumulation streaks since their launch. Momentum accelerated in late November with new products from Grayscale, including XRP and Dogecoin trusts, following regulatory approval. The pace of these launches highlights increasing institutional openness to diversifying beyond Bitcoin and Ethereum.
As December begins, XRP remains caught between strong structural tailwinds and stubborn technical resistance. While short-term direction remains uncertain, the foundations for a more durable move appear to be steadily taking shape.
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