Category: Crypto market

XRP has broken below $1.90 and is approaching a critical point on the charts, just below a significant descending resistance line. According to Coinglass data, the asset is tightly compressed between this resistance near $2.22 and the 200-day Exponential Moving Average at roughly $1.99.

The long/short ratio for Ripple XRP is near 1, indicating that more traders are betting on a decline than a rally. This ratio has remained below 1, indicating that bearish sentiment has prevailed for nearly two weeks. The volume of derivatives is relatively high despite a slight decline in open interest, indicating that traders are still active, albeit primarily short, in anticipation of a decline. XRP is trading at $2.14 on the technical front, just above $2, a critical support level.

If that threshold is breached, there may be more drastic short-term drops. Although neutral at 47, the relative strength index is steadily dropping. It is not yet oversold, so a further drop is still possible. Trading activity has slowed considerably, with volume and volatility falling.

Historical trends suggest a high likelihood of a significant breakout after the consolidation phase concludes, despite the muted price action. If the resistance is not overcome, focus may shift to the lower support levels. A decline toward $1.85 or even $1.70 could result from a breakdown below the $2.00–$1.99 range. Additionally, a descending triangle pattern is emerging, which traditionally suggests further declines if supported by persistently low volume or market weakness.

US financial policy is experiencing a subtle yet significant shift. Lawmakers are actively pushing to integrate digital assets into retirement planning. This move could significantly impact the long-term relationship between capital and cryptocurrencies like Bitcoin and XRP. What was once on the financial fringe is now moving toward the system’s core.

The focus is shifting away from hype and short-term trading and toward long-term portfolio building, structure, and regulation.

Retirement accounts are central to the American financial system, and any changes here will have lasting impacts. According to commentary shared by Pumpius on X, Congress is pressing SEC Chair Paul Atkins to take decisive steps.

Lawmakers want regulated frameworks that allow exposure to cryptocurrencies within 401(k) retirement plans.

This push aligns with broader efforts to modernize the US financial infrastructure, driven by concerns that current regulations lag behind market developments.

Momentum gained after President Donald Trump signed an executive order in August 2025, instructing regulators to expand retirement plans’ access to alternative assets, explicitly mentioning cryptocurrencies.

The Department of Labor swiftly retracted its earlier warning about cryptocurrencies in 401(k)s, removing a significant obstacle for plan fiduciaries.

This move did not endorse cryptocurrencies but restored regulatory neutrality. Since then, official communication from Congress has reaffirmed this stance, including a bipartisan letter urging the SEC to amend securities regulations. Lawmakers view cryptocurrencies as a matter of investor choice and market fairness.

However, not all digital assets are equally suited for retirement.  XRP is particularly noteworthy for its integration with financial infrastructure and regulatory clarity. Assets intended for retirement portfolios must meet strict requirements, including the presence of institutions, transparent markets, and substantial liquidity.