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The U.S. Securities and Exchange Commission (SEC) is expected to announce its decision regarding the approval of T. Rowe Price's XRP Exchange-Traded Fund (ETF) by February 26. According to NS3.AI, this decision is significant as it could influence the availability and expansion of XRP ETFs in the financial market. Currently, five companies are managing XRP ETFs, collectively holding assets worth $1.06 billion. The outcome of the SEC's decision may have implications for the growth and accessibility of XRP ETFs.

XRP Community Day: Ripple CEO on XRP as the ‘North Star,’ CLARITY Act and Trillion-Dollar Crypto Company

Ripple CEO Brad Garlinghouse used XRP Community Day to position XRP as the central focus of Ripple’s business strategy. Speaking in X spaces, he said XRP and RLUSD remain at the “heartbeat” of Ripple’s work across payments, lending, and custody on the XRPL. His remarks also touched on the CLARITY Act timeline.
Garlinghouse Praises XRP and RLUSD XRP Community Day
Live on X Spaces, Garlinghouse told the XRP community that XRP is the “North Star” for Ripple and drives its broader direction. He said Ripple Payments, Ripple Prime, and Ripple Treasury aim to expand XRP utility, trust, and liquidity.
He explained that Ripple Payments is tied to XRPL activity, including decentralized exchange use cases with permissioned domains. Meanwhile, he said Ripple Prime supports XRP use for collateral and lending, while Ripple Treasury enables payments involving XRP and RLUSD within treasury management systems.
Garlinghouse added that Ripple sees itself as a financial infrastructure platform, not a crypto-first firm. He also said Ripple wants to be “the most regulated and compliant” company in the sector while continuing to push institutional adoption.
He also referenced Ripple’s partnership with Aviva Investors, which he described as one of the world’s largest asset management firms. Garlinghouse said Aviva Investors is tokenizing on the XRP Ledger, and he tied the move to Ripple’s focus on institutional adoption.
Ripple’s $50B Valuation Adds Context to Trillion-Dollar View
Garlinghouse’s XRP Community Day comments came as a separate report placed Ripple among the world’s top IPO candidates. According to CBInsights datacited in the report, Ripple Labs is valued at over $50 billion, ranking ninth globally among potential IPO firms. 
The report also noted Ripple’s valuation reflects enterprise value, not XRP’s market capitalization. It compared Ripple’s position to companies such as SpaceX, OpenAI, Stripe, and ByteDance, while stating that Ripple trails SHEIN.
As speculation about a public listing continues, Ripple President Monica Long has addressed IPO discussions. However, the report said Ripple remains solvent and has no near-term listing plan, with the company focusing more on acquisitions. Garlinghouse said he expects a trillion-dollar crypto company to emerge and added there could be more than one.
Garlinghouse Predicts CLARITY Act Progress as Talks Continue
Ripple CEO also addressed the CLARITY Act during his XRP Community Day remarks, saying he expects the bill to regain momentum soon. He said there is a “75%” chance that by the end of April, it will be “very close to getting signed.”
His remarks followed comments from Ripple Chief Legal Officer Stuart Alderoty, who said discussions at the White House were productive. Alderoty wrote on X that a compromise appears likely, while bipartisan support remains behind crypto market structure legislation.
White House advisor Patrick Witt also commented after the meeting, thanking participants from both the crypto and banking industries. Witt added, “We are going to get this done.”$XRP
{future}(XRPUSDT)

For years, we traded $XRP based on court dates. Today, in 2026, we trade it based on volume. I’ve spent the last few weeks tracking the RLUSD liquidity bridges on the XRP Ledger (XRPL), and the data is telling a story that the price hasn't fully reflected yet.
1. The Technical "Coil": Why $1.40 Matters
After the January surge to $2.40, we’ve seen a 40% "flush" out of late buyers. From my judgment, this isn't a crash; it’s a structural re-test. We are currently hugging the $1.43–$1.50 support zone, a level that has acted as a launchpad three times in the last six months.

💡 My Judgment: In my experience, when an asset consolidates this tightly after a major leg up, it’s "coiling." We are seeing exchange balances hit 7-year lows. If we hold $1.40 through this week’s macro volatility, the next leg up could be explosive.
2. The Real-Life Moment: The RLUSD "Bridge" is Live
The real-life reason to be bullish isn't a tweet; it's the Ripple USD (RLUSD) adoption. I’ve been watching the on-chain stats: RLUSD is now being used for 15% of all cross-border settlements in the SEA corridor.
This creates a Real-Life Moment of Utility: Every time a bank moves RLUSD, it uses XRP as the gas. This isn't "hype volume" , it’s "utility volume."

3. Emotion & Recognition: The "Forgotten" Giant
We’ve all felt the frustration of the "stagnant" XRP price while other coins pumped. That recognition of shared patience is what makes the #XRPArmy so strong. But remember: institutional "quiet accumulation" usually feels boring right before it becomes legendary. We are moving from the "Courtroom Era" to the "Boardroom Era."
4. Simple Explanation: How it Works
Think of the XRPL as a Global Digital Highway.
* The Cars: Different currencies (USD, EUR, RLUSD).
* The Toll/Bridge: $XRP.
As more "cars" (money) enter the highway, the "bridge" ($XRP) becomes more valuable because it’s the only way to get across quickly and cheaply. Simple as that.
5. 2026 Actionable Targets (Useful Utility)
💬 XRP Market Sentiment Update
🔥 Bullish: $XRP could run up to $3.80–$4.50 if we see a clean daily close above $1.65 and a surge of ETF inflows. Big momentum play for bulls here!
🤝 Neutral: Expect $1.40–$1.80 during sideways accumulation. Perfect zone for DCA (dollar-cost averaging) if you’re building a position gradually.
⚠️ Bearish: A drop to $0.95–$1.10 could happen during a market-wide sell-off. Watch the $1.00 psychological level for a potential bounce.

🚀 The 2026 Verdict: Don't Trade the Noise, Trade the Rails
The "Utility Gap" is closing. We are no longer waiting for a "moon shot" based on a headline; we are watching the plumbing of global finance being rebuilt. If you missed the accumulation under $1.00, this $1.40 consolidation might be the last "civilized" entry point we see this year.
Are you bidding the $1.40 level or waiting for the $2.00 breakout? Share your 2026 target below! 👇

For years, we traded $XRP based on court dates. Today, in 2026, we trade it based on volume. I’ve spent the last few weeks tracking the RLUSD liquidity bridges on the XRP Ledger (XRPL), and the data is telling a story that the price hasn't fully reflected yet.
1. The Technical "Coil": Why $1.40 Matters
After the January surge to $2.40, we’ve seen a 40% "flush" out of late buyers. From my judgment, this isn't a crash; it’s a structural re-test. We are currently hugging the $1.43–$1.50 support zone, a level that has acted as a launchpad three times in the last six months.

💡 My Judgment: In my experience, when an asset consolidates this tightly after a major leg up, it’s "coiling." We are seeing exchange balances hit 7-year lows. If we hold $1.40 through this week’s macro volatility, the next leg up could be explosive.
2. The Real-Life Moment: The RLUSD "Bridge" is Live
The real-life reason to be bullish isn't a tweet; it's the Ripple USD (RLUSD) adoption. I’ve been watching the on-chain stats: RLUSD is now being used for 15% of all cross-border settlements in the SEA corridor.
This creates a Real-Life Moment of Utility: Every time a bank moves RLUSD, it uses XRP as the gas. This isn't "hype volume" , it’s "utility volume."

3. Emotion & Recognition: The "Forgotten" Giant
We’ve all felt the frustration of the "stagnant" XRP price while other coins pumped. That recognition of shared patience is what makes the #XRPArmy so strong. But remember: institutional "quiet accumulation" usually feels boring right before it becomes legendary. We are moving from the "Courtroom Era" to the "Boardroom Era."
4. Simple Explanation: How it Works
Think of the XRPL as a Global Digital Highway.
* The Cars: Different currencies (USD, EUR, RLUSD).
* The Toll/Bridge: $XRP.
As more "cars" (money) enter the highway, the "bridge" ($XRP) becomes more valuable because it’s the only way to get across quickly and cheaply. Simple as that.
5. 2026 Actionable Targets (Useful Utility)
💬 XRP Market Sentiment Update
🔥 Bullish: $XRP could run up to $3.80–$4.50 if we see a clean daily close above $1.65 and a surge of ETF inflows. Big momentum play for bulls here!
🤝 Neutral: Expect $1.40–$1.80 during sideways accumulation. Perfect zone for DCA (dollar-cost averaging) if you’re building a position gradually.
⚠️ Bearish: A drop to $0.95–$1.10 could happen during a market-wide sell-off. Watch the $1.00 psychological level for a potential bounce.

🚀 The 2026 Verdict: Don't Trade the Noise, Trade the Rails
The "Utility Gap" is closing. We are no longer waiting for a "moon shot" based on a headline; we are watching the plumbing of global finance being rebuilt. If you missed the accumulation under $1.00, this $1.40 consolidation might be the last "civilized" entry point we see this year.
Are you bidding the $1.40 level or waiting for the $2.00 breakout? Share your 2026 target below! 👇

Following the SEC's settlement with Ripple, U.S. institutional investors are reducing their direct holdings of XRP. According to NS3.AI, this shift is due to the ongoing regulatory stigma surrounding the cryptocurrency, despite the anticipated approval of an XRP spot ETF. Trading data indicates a significant 73% decline in institutional futures open interest and notable net outflows from institutional wallets, suggesting a move towards ETF exposure. The market anticipates the approval of an XRP spot ETF by the second quarter of 2026, with institutions opting for ETF exposure to mitigate compliance risks linked to direct XRP ownership.