👉 Yes, it's true: Ripple has applied for a master account at the Federal Reserve of the U.S. through its subsidiary Standard Custody & Trust that it acquired, with the goal of integrating directly into the central bank's payment systems (Fedwire / FedNow). This has been reported in various crypto media and specialized sources.

👉 It is also happening — and with real impact:

💰 The spot ETFs for XRP have already been launched (numerous funds like Canary, Bitwise, Grayscale, Franklin Templeton, and others are in circulation). These ETFs have accumulated hundreds of millions of dollars in assets, effectively reducing part of the liquid supply of XRP as institutions buy to hold in custody.

👉 This creates real buying pressure, something that many traders interpret as a “tapering” of supply and possible price support — although it is not remotely the 42.87% of the circulating supply captured in ETFs (that figure is exaggerated or poorly reported by unconfirmed sources). The current ETFs represent less than ~1% of the circulating supply, not billions percentage points.

👉 Regarding technical analysis (MACD and other bearish signals):

Yes, many charts on monthly time frames show bearish momentum or consolidation — which technically suggests that the price may correct or remain in range before breaking upwards. That is a valid interpretation of indicators like the MACD. But it is not a definitive signal of long-term collapse, it just reflects market conditions at a given moment.

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📌 What is NOT real or is inflated in viral networks:

❌ There is no credible evidence that XRP ETFs have accumulated 42.87% of the circulating supply. The actual figures are much lower, normally <1% with existing ETFs (although that may grow over time).

❌ The “approved Fed master account” is not confirmed yet — only that it has been requested. The Federal Reserve historically does not grant master accounts easily, and there is not yet a decision.