Ripple Nears Banks But XRP Price Keeps Dumping

Ben Graham · 4 horas atrás

Even if the market seems to just endlessly bleeding, projects did not stop building. Ripple, XRP, is pressing deeper into banking as tokenisation moves from theory to live trials. Now, holders are just waiting for the XRP price to do something. Or do they have to wait eight more years for a new ATH?

Joking aside, for now, banks and crypto increasingly agree: tokenisation is the next big step for faster settlement, reduced middlemen, and efficient global finance.

After Ripple’s landmark 2023 court win, where judges ruled XRP itself is not a security on public exchanges, legal clarity has given banks greater comfort to adopt Ripple’s tools without ongoing regulatory uncertainty.

$XRP: On the SEC site is a Comprehensive Proposal for XRP to become a "Strategic Financial Asset for the U.S. So far, all has come into fruition: SEC clearance , DOJ restrictions removed , Federal Reserve OCC conditional approval . Next is the direct integration pic.twitter.com/creWh0W0sk

— ChartNerd (@ChartNerdTA) February 2, 2026

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XRP Price is Down 56% From ATH

XRP trades around $1.59–$1.61, down 3–4% in the past 24 hours and 12–16% over the past week. The price action aligns with the overall bearish sentiment in the market, so it’s unsurprising. The 24-hour volume has surged to approximately $4 billion, and the market cap is nearing $97 billion.

A possible support eyes $1.5, while resistance now aligns with the past support at $1.80; ETF inflows have exceeded $1.3 billion cumulatively, though whale selling and macro risks add short-term pressure.

(Source: TradingView)

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Ripple’s Relentless Institutional March: The Quiet Engine Powering Wall Street’s Tokenisation Revolution

How and why are XRP and banks connected? Well, banks are actively testing tokenized assets and money because it enables near-instant settlement and cuts intermediaries. U.S. regulators have issued clearer crypto guidance, easing compliance for institutions.

This positions Ripple competitively against projects like Stellar and JPM Coin, but Ripple’s decade-plus track record of banking partnerships sets it apart.

That track record explains why XRP holders see this as validation.

Recent developments accelerate this: Ripple partnered with DXC Technology to embed XRP, RLUSD stablecoin (now over $1.3–$1.4 billion market cap), and custody directly into core banking systems like Hogan, supporting trillions in deposits globally.

Partnerships with Riyad Bank’s Jeel in Saudi Arabia test cross-border payments, custody, and tokenization frameworks. Tokenized assets on XRPL surged dramatically in 2025 (over 2,200% growth to hundreds of millions), with projections for $3–$6 billion by late 2026 driven by institutional adoption, RLUSD, and upgrades like confidential Multi-Purpose Tokens (MPTs) for private, compliant transactions.

On-chain metrics show: $235.7 million in assets are currently distributed on the network, +10.5% in the last month. The total represented asset value is much larger at $1.44 billion, showing a massive +263% increase, which suggests more assets are being tokenized or recognized on-chain.

The number of RWA holders remains small at 15, but still grew slightly. Meanwhile, RWA transfer volume over the past 30 days dropped sharply to $10.1 million, down almost 91%, indicating reduced trading or movement of these assets.

Stablecoin transfer volume surged to $1.02 billion, up 28%, showing increased usage for payments or trading.

(Source: RWA.xyz)

Ripple’s Slow Strategy in a Fast-Moving Tokenisation Race

Tokenisation sounds clean, but it brings new risks. Instant settlement leaves less room to fix mistakes. Some banks worry about that speed backfiring.

Regulation also stays fragmented. While U.S. courts gave Ripple breathing room, other regions play by different rules.

Ripple’s banking push mirrors a broader Wall Street shift toward tokenized finance, also seen in the Wall Street tokenization push. Investors watching Ripple’s long game may want to pair this story with the Ripple CEO outlook and growing debate around tokenized assets in banking.

As banks experiment and regulators clarify rules, Ripple’s slow-and-steady approach keeps it in the conversation. However, some XRP holders might be wary of waiting for the price to break free from this downtrend.

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