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Digital Asset Investor, a popular analyst and institutional investor, recently published a piece focusing on $XRP and its growing role in discussions among major financial players. He believes the coin is facing a significant "repricing"—a significant change in valuation—that could occur very quickly. According to the expert, in recent months, institutions have focused their attention primarily on three cryptocurrencies: Bitcoin, Ethereum, and XRP. Other projects, such as Dogecoin, $SOL , and $ADA , are not currently receiving similar attention from large funds and banks. Ripple stands out due to its practical applications in cross-border settlements and payment systems.The main reason for Ripple's possible rapid repricing is believed to be regulatory progress in the United States. The analyst primarily points to the CLARITY Act, which is intended to finally introduce clear rules for the cryptocurrency market. If the act is passed, XRP could be formally recognized as a digital commodity, completely changing its perception among institutions. Furthermore, Digital Asset Investor notes the increasing coordination between the SEC and the CFTC. Both agencies are beginning to operate more cohesively, which is expected to facilitate the broader adoption of cryptocurrencies by the traditional financial sector. Banks and institutions have been testing blockchain-based solutions for some time now, but are awaiting full legal clarity before committing larger resources.The expert emphasizes that many large financial players are already building infrastructure for blockchain and stablecoins, but are still in a wait-and-see mode. Once regulations are clarified, a surge in institutional capital could occur, particularly for assets with real utility, such as XRP. Digital Asset Investor also cites examples of corporate Bitcoin accumulation by companies like MicroStrategy and MetaPlanet. He believes similar strategies could emerge in the future for other assets, including XRP, especially if it is recognized as a key element of the payments infrastructure.
What does this mean for XRP?
XRP's current valuation still seems low compared to growing institutional interest and the coin's potential role in global settlement systems. The market is underestimating the scale of major players' preparations. If regulations move in the right direction, Ripple could go through the repricing process much faster than most industry participants currently anticipate. Although short-term volatility remains high, the long-term outlook for XRP looks increasingly promising, especially if the CLARITY Act is passed and institutions begin to actively enter this segment.

$XRP has gained approximately 8% over the past week and 3% daily, allowing it to outperform projects like $BTC and $ETH in terms of growth rate. Although this upward movement is significant, analysts indicate that it represents a controlled approach rather than a sudden price explosion, forcing investors to remain vigilant.
Traders' attention is currently focused primarily on resistance at $1.44 and support around $1.40, as XRP is testing a key structural zone. Prices remain above the 200-day exponential moving average (EMA), but trading volume volatility remains too inconsistent to clearly confirm a sustained and decisive breakout. Market experts see the cryptocurrency's relative strength as early signs of capital rotation and the potential arising from a multi-year technical pattern that could herald the end of a broad consolidation phase. Many observers believe the current setup is part of a structure that could propel the price toward much higher levels, with optimists even pointing to long-term targets of up to $10. According to popular analyst XRP Captain, the current moves could be a repeat of a historical fractal pattern, suggesting a breakout is imminent, and the price could realistically aspire to $40 before the end of May. The current surge comes as XRP is retesting a key zone that has provided the foundation for strong price expansions in previous market cycles. The price has climbed toward $1.43, building a structure based on increasingly higher lows, which typically suggests systematic demand rather than short-term speculation.
Despite these positive signals, the price is still struggling to sustainably break above the $1.44 barrier, indicating strong supply in this area. Investors are also closely monitoring fundamental factors, such as inflows into XRP-related investment products, which have exceeded $1.4 billion since last year. Increased institutional interest often heralds long-term appreciation, even if short-term fluctuations remain limited. Well-known market researcher Egrag Crypto emphasizes that XRP is in a "loading" phase, and a close above critical resistance levels will pave the way for a parabolic rally that could surprise even the most skeptical.
XRP's situation in April 2026 is closely linked to the macroeconomic environment and the progress of legislation concerning the digital asset market in the United States. A key factor investors are awaiting is the passage of the CLARITY Act, the outcome of which could catalyze another wave of growth or provoke a correction towards $1.15. Analysts point out that momentum indicators, including the RSI, are showing bullish divergence, which has repeatedly preceded a dynamic price recovery in the past.
If XRP manages to maintain above $1.30, a move toward $1.60 or higher becomes increasingly likely. The expanding adoption of Ripple technology by the banking sector and new strategic partnerships, such as those with payment giants, are building a solid foundation for future market dominance. Although the cryptocurrency market remains unpredictable, XRP's current strength relative to the rest of the sector gives holders of this asset reason for cautious optimism about the coming months.

$XRP just had its best week of 2026, rising by over 10 percent and reaching $1.50. What's driving XRP's current rally?
Several important events have converged in just a few days. Rakuten Wallet launched XRP payments for 44 million users in Japan, the largest payment integration in the token's history. On the same day, Ripple announced a partnership with Kyobo Life Insurance in South Korea to pilot tokenized government bonds. Furthermore, inflows into spot XRP ETFs reached their highest level since early February, reaching $17.6 million in a single day. These real-world events differ from previous rallies, which were based primarily on isolated regulatory news and quickly lost momentum. This time, the rally is driven by several independent factors, which are building solid buying pressure.

What will it take for XRP to reach $2 by April?

For XRP to gain another 39% in such a short period, several things would have to happen simultaneously. The most important is the CLARITY Act. If the Senate Banking Committee sets a vote this month, the announcement itself could significantly boost the price, as it did after the classification as a commodity in March. Another element is maintaining peace between the US and Iran after April 22nd – if the ceasefire holds, pressure on oil and macroeconomic risk will ease. The third factor is the FOMC meeting on April 28-29th. A lenient tone from the Fed would provide additional support for risky assets.

End-of-April Forecast
The end-of-April forecast is more cautious, but still optimistic. The most likely scenario is a month closing in the range of $1.40–$1.55. If XRP manages to break through $1.45 and stays above that level, the path to $1.60 becomes clear, and $2 becomes a realistic target for May or June. Around 60 percent of all XRP circulation was purchased around $1.44, which is why every rally this year has stalled at this level. This time, however, the buying pressure isn't just coming from a single news story, but from several real-world events simultaneously. If it manages to break through $1.45 with decent volume, resistance could prove much weaker than before. The $2 target in April is ambitious and requires a perfect coincidence, but the fact that this rally has several independent catalysts behind it makes the current situation different from previous recovery attempts.

#pixel Another day of price increases for the $PIXEL token, related to the Pixels game. Pixels is a simple browser game that draws heavily on classic Web2 gaming titles like Animal Crossing: New Horizons and Pokemon on the Nintendo 3DS. The concept is very simple – you create your own farm where you grow various crops. All this is watered by the Web3 ecosystem and powered by the PIXELS token. Interestingly, just before the token's release, game creator Luke Barwikowski decided to migrate the game from the Polygon blockchain to Ronin. The main reason for this migration was the so-called Ronin Effect. This involves the Ronin gaming community playing and promoting new Web3 games built on the Ronin blockchain. It's clear that giants of the traditional gaming industry are also eyeing this decentralized version of electronic entertainment with interest. Web3 gaming is no longer associated with scams and games based solely on token farming. Increasingly well-thought-out and refined games like Pixels confirm to the gaming community that the fusion of Web2 and Web3 gaming is getting closer.
@pixels

Japanese banks presented concrete pilot results at the $XRP Tokyo 2026 conference, comparing transactions conducted using XRP with traditional transfers via the SWIFT system. The results are clear and could represent a breakthrough in how financial institutions think about cross-border payments. Unlike many previous tests, Japanese banks conducted real cross-border payments using XRP as a bridge currency on real-world corridors between Japan and Southeast Asian countries. This enabled direct transfer of value between fiat currencies without the involvement of multiple correspondent banks. About 60% cost reduction compared to SWIFT – thanks to the elimination of intermediary fees and reduced administrative costs. Settlement time of less than 4 seconds – while traditional SWIFT transfers can take from several hours to several days. Eliminating the need for pre-funding – banks no longer need to maintain frozen capital in nostro and vostro accounts in different jurisdictions. XRP enables the conversion of local currency into XRP at the time of a transaction, followed by immediate exchange into the target currency. This prevents capital from sitting idle, and banks' balance sheets become significantly more. The traditional SWIFT system relies on a layered structure of correspondent banks, which generates high costs and delays. The Ripple-based solution eliminates these layers, offering faster, cheaper, and more capital-efficient transfers. The presented data confirms that the coin operates effectively as a currency bridge in a real-world environment. The growing number of active payment corridors in Ripple's On-Demand Liquidity network deepens liquidity and increases the efficiency of the entire system. Japanese banks have approached financial innovations with great caution for years. The fact that they decided to publicly present the results of the live XRP pilots is a clear sign of institutions' growing confidence in blockchain technology for international payments. Although full, wide-scale adoption is still ahead of us, these results represent an important step towards a true transformation of the global payments infrastructure. Experts emphasize that if more banks confirm similar savings and speed, XRP could become a key tool in the modern "Internet of Values." What are your thoughts on the future of XRP and its price? I know that some of you, like me, have been waiting for the XRP price to rise for months or even years, but maybe we'll finally see it, and become rich?

The first quarter of 2026 hasn't been kind to the cryptocurrency market, to put it mildly. $BTC is losing over 22%, recording its worst performance since 2018. $ETH is also taking a beating. A decline of around 29% only confirms that the pressure was widespread and relentless. Yet something is amiss. Although the numbers look bad, the balance of power in the market is beginning to shift slightly. And this moment, right after a weak quarter, is often the most interesting. The beginning of April brings the first signs of change. Bitcoin rebounds symbolically, recording growth of less than 2%. Ethereum is doing something more, growing by over 7%. At first glance, it's still nothing spectacular, but the difference is significant. This is no longer a market where everything moves at a single pace. Capital rotation is beginning. Some investors are clearly shifting funds towards assets with greater potential, but also higher risk. Ethereum fits this pattern perfectly. This isn't yet an aggressive inflow of money, but rather a calm, gradual shifting of pieces on the chessboard. This is also confirmed by market capitalization data. Bitcoin is losing ground slightly, while Ethereum is rising, albeit only slightly. These are subtle signals that are easy to miss, but in the long term, they can be significant. It gets even more interesting when we look deeper. Ethereum is experiencing steady outflows from exchanges, which usually means investors aren't willing to sell. They're moving funds to their own wallets and playing with a longer-term horizon. This, in turn, naturally limits supply.

At the same time, the number of active addresses is growing, and the average number of weekly transactions is once again exceeding 1.3 million. These are levels we last saw in mid-February, before the market weakened again. This is an important signal. Because before the price begins to react, user behavior first changes.

If we put all these elements together—capital turnover, outflows from exchanges, increasing network activity, and the first signals from institutions—a coherent picture begins to emerge. ETH/BTC is rising for good reason. This isn't a single impulse, but the result of several overlapping trends. Does this mean Ethereum will dominate the second quarter? No. The market is still fragile, and sentiment is far from euphoric, but something is starting to change. And as is often the case in crypto, the most important things happen when few people are paying attention.

The leak of SWIFT's internal documentation sheds new light on the direction in which the global payments infrastructure is heading. Ripple $XRP and Stellar Lumens $XLM , two of the longest-running distributed ledger networks, appear in these documents not as exotic experiments but as specific components of the upcoming SWIFT payment system. Their networks' compliance with ISO 20022 allows them to accept and generate messages in the same format that SWIFT requires from banks after the standard migration.

SWIFT is testing the use of blockchain as a ledger and is developing a multi-asset gateway in which XRP and XLM can act as bridge assets between fiat currencies, stablecoins, and other tokens.
In the section describing the phenomenon of correspondent banking disintermediation, i.e., bypassing intermediaries in the settlement chain, Ripple and Stellar are explicitly mentioned as commercial solutions for international remittances, alongside entities such as MoneyGram, PayPal, and Payoneer.
The documentation outlines several possible integration paths. In the remittance scenario, a multi-asset gateway is being created, aiming to expand the range of interoperable blockchains, thus fulfilling a strategic goal of a leading European financial conglomerate.
In this model, XRP and XLM could act as so-called bridge assets, i.e., currencies that intermediate transactions between two parties operating in different jurisdictions and currencies.
SWIFT has previously confirmed testing of XRP and $HBAR on its network, and this year announced plans to add a blockchain-based ledger. Other integration paths could lead through stablecoins, on-demand liquidity maintenance in the ODL model, or cross-chain settlement layers. The scale of the potential impact is difficult to overstate. SWIFT's annual trading volume exceeds $155 trillion – a figure 60 times greater than the current capitalization of the entire global cryptocurrency market. Even a marginal takeover of some of this volume by DLT networks would represent a structural shift in the way international money flows operate. The question is not whether integration will occur, but rather what form it will take and at what pace.

Increasingly heated economic and political tensions, threatening a literal outbreak of war (again), are being stirred by the actions of the Iranian authorities, whose central element is $BTC . Iran has announced, as is well known, that it is annexing the Strait of Hormuz and intends to exercise sovereign control over the maritime route connecting the Persian Gulf with the rest of the world. The most visible element of this control is the fees the Iranian state demands from ships sailing this route.

These fees were formally introduced in mid-March, although at the time they were more declarative in nature (intensive bombardment of Iran, especially its naval assets, had already brought all traffic in the Strait to a standstill). This changed this week with the announcement of a two-week ceasefire. Although the ceasefire is extremely fragile, and both sides have already accused each other of violating it, it has allowed the "Strait of Hormuz Management Plan," formally passed by the sham Iranian parliament on March 30, to officially come into effect.

Initially, back in March, it was reported that the fees would be collected in Chinese yuan. However, this has now changed, and these duties—though settled in terms of the dollar equivalent—will be collected in cryptoassets. This refers, of course, to Bitcoin or stablecoins. Tehran wants tankers to pay the equivalent of $1 for each barrel of oil. A full-size VLCC supertanker with a capacity of 2 million barrels would cost around $2 million, which at a BTC exchange rate of around $72,128. (as of April 9th ​​– Bitcoin strengthened amid reports of a ceasefire) would be equivalent to 27.7 BTC.
Ships with empty cargo holds can theoretically pass free of charge – however, Iran continues to demand compliance with the cumbersome process of obtaining permission for passage, which in itself is a significant burden. Permission must be granted by Iran's Supreme National Security Council, a ridiculously high-level body. The procedure requires emailing Iranian authorities with cargo details, a crew list, and the port of destination no later than 96 hours before the planned entry. After verification, the tanker receives instructions to pay in BTC within seconds of approval. After the transaction, a one-time access code is generated, and the vessel is taken over by an "escort" from the Islamic Revolutionary Guard Corps navy.

The daily limit is approximately 12 ships, varying according to a five-level classification, depending on nationality and the country's "friendliness" towards Iran – ships with ties to the US or Israel are to be denied passage at all. Meanwhile, according to data from the Kpler Observatory, before the conflict, 100–120 commercial vessels passed through the Strait daily, including tankers carrying approximately 20% of the world's oil and liquefied natural gas supply. After the introduction of the fees, traffic dropped to a few vessels per day, and oil tankers did not pass at all during the first hours of the ceasefire.

On top of all this, there are costs – as mentioned, significant ones.

Naturally, Washington considered the introduction of fees to be completely out of the question. The White House emphasizes that the primary condition for the ceasefire was the "unconditional" and "complete" reopening of navigation in the Strait of Hormuz, adding that attempts to collect fees constitute a violation of the ceasefire. Iran maintains that the system is technical in nature and serves to protect against the confiscation of assets under sanctions – the lifting of which, loosely envisaged as one element of a possible final peace agreement, seems even more unlikely under the circumstances.

There is currently no information on whether the United States would be prepared to resume military action due to attempts to charge ships with Bitcoin. Some observers point out that while the US has no pressing interest in unblocking the route (the US doesn't use it anyway, and the complications are affecting China), the Arab states of the Persian Gulf do – whose economies depend for over 90% on oil exports through the Strait of Hormuz. These countries do not accept Iran's de facto annexation of the crucial route and could potentially be willing to use force to force its opening.

Regardless of the political storm the attempted to introduce fees has caused, it is also significant for another reason. It would constitute the first such significant instance in which Bitcoin has been treated by a major state, which Iran undoubtedly is, as a sovereign currency in international transactions. The full spectrum of consequences of this development could also be interesting. It's worth realizing that, assuming a flow of 130 ships per day, the system would generate over 3,600 BTC per day—over eight times more than the global production of new Bitcoins (450 BTC/day). Admittedly, these are exciting times for BTC. Do you think these events will positively impact the BTC price or the opposite? Let us know in the comments.
#bitcoin