XRP, the native token of the Ripple network, is primarily designed to facilitate quick, low-cost, and efficient cross-border payment transactions, surpassing traditional systems like SWIFT. The core value of XRP lies in its practicality: it enables international money transfers in just a few seconds with nearly zero fees, utilized by major banks and financial institutions through On-Demand Liquidity (ODL) technology. With an ever-expanding market share in the remittance and decentralized finance (DeFi) sectors, XRP is not only a speculative asset but also a practical tool for the global financial system, especially in the context of currency digitization.

Regarding the latest market volatility at the beginning of February 2026, XRP is trading around $1.40-$1.47, with a significant recovery of about 8-17% in the past 24 hours after hitting a temporary low of $1.13 due to selling pressure from the overall crypto market. However, in the past month, this coin has dropped nearly 40% due to macroeconomic factors such as inflation and geopolitical tensions, reflecting the overall weakness of the market464a56. Compared to the all-time high of $3.84 in 2018, XRP has yet to break this resistance level, but its market capitalization is currently around $86-$89 billion, indicating relative strength.

However, XRP is not without risks: high price volatility may lead to significant losses for short-term investors; regulatory issues, although the lawsuit with the SEC has somewhat been resolved, still pose risks from global policy changes; competition from other coins like Stellar (XLM) or stablecoins; and reliance on acceptance by major institutions, which may be delayed if the economy slows down.

However, the practicality of XRP's future remains very bright, with factors such as capital inflow from the ETF expected to reach $8 billion, the expansion of the RLUSD stablecoin in cross-border payments, and strategic partnerships with banks, which could push the price up to $8 by the end of 2026 according to forecasts from Standard Chartered – an increase of over 400% from the current level. These developments underscore XRP's role as a bridge between traditional and digital finance, with sustainable growth potential thanks to real utility.

I trust XRP based on a solid foundation and an accelerating trend, rather than just looking at short-term volatility. This is an opportunity for long-term investment in an asset with real applications. The reasonable buy-in price currently is below $1.40, especially if there is a dip to $1.20-$1.10, to take advantage of technical support and wait for upward momentum from upcoming catalysts.

This is just a personal opinion and not an investment advice.