What’s going on with XRP? Why didn’t you have an explosion of your great price? What are you missing to quote at least $3 or more?
These are some of the questions that arise when analyzing the performance of cryptocurrencies issued by Ripple Labs.
Questions arise The company led by Brad Garlinghouse announces signing the contract with two financial institutions based in the United Arab Emirates, Zand Bank and Mamo.
These agreements were designated after Ripple Labs received a license from the Dubai Financial Services Authority (DFSA) in March.
This way, Zand Bank and Mamo will begin using Ripple Payments. This is a business solution for payments up to completion with Ripple. The technology allows businesses to safely make cross-border payments faster, more economical and efficient.
At this point, it is important to make it clear that Bitcoin (BTC) already offers these solutions for cross-full payments, but not specifically designed for financial institutions (though there is no way beyond some regulations to prevent financial institutions from using them). The difference is that Ripple payments provide a business solution It complies with strict regulations and allows it to work with XRP Amounts integrated with banks and fintech systems.
From the company, they have shown that Ripple payments currently operate in more than 90 markets, including Dubai, the US, Brazil, Mexico, Australia and Switzerland, with more than $700 million indictment.
However, these advancements have not been translated into a significant impulse of XRP price. That’s what you need to be careful about Using cryptocurrency in Ripple payments is not required. This means that institutions employing solutions can operate without using assets. This reduces direct demand and limits the impact of expanded advertising on prices.
This indicates that the old promise that XRP will become a “bank cryptocurrency” may not be realized, and assets are still not separated from the general market behaviour.
This sample is what happens after Moody’s, one of the leading credit risk rating agencies around the world, has gone from “stable,” “negative,” to “negative,” to “negative,” to “negative,” to “negative,” like reported encryption.
After the qualification was known, yields on US Treasury bonds increased, bringing the 30-year-old’s total amount exceeding 5% for the first time since April.
this is, When the macroeconomic environment does not provide stability signalsinvestors reduce their exposure to risky assets such as actions and cryptocurrencies. In that case, they usually transfer the holdings to a safer instrument, such as treasured bonds.
In this scenario, XRP prices have fallen 3.5% over the past 24 hours. At the time of publication of this memo, the most valuable active room on the market was $2.32, 30% below the all-time high (ATH) reached in January 2025.
Institutional growth without affecting prices
Ripple continues to carry out projects with a strong institutional approach, including Mercy Corps Ventures and the pilots developing in Colombia on the Wëia platform. The company emphasizes the announcement as relevant at the system level, but the price impact of XRP is essentially null.
The conclusion is clear. XRP has not achieved adoption that requires its use, but it is difficult for isolated initiatives to generate sustained price movements Without the preferred macroeconomic context associated with them.
Therefore, the community is hoping for important news, including the possibility of launching funds cited in US XRP cash (ETF). As reported by Cryptootics, several companies submitted requests to launch these financial instruments into the market before the Stock Exchange and Value Committee. If green light is environmentally friendly, this could increase in institutional investors’ cryptocurrency exposure, and in addition to attracting more liquidity to the Ripple ecosystem.
While many investors fully trust that ETF launches will boost XRP, it is important to note that they do not guarantee positive results. This example is the ETF of Ethereum’s native currency, Ethereum (ETH), which has not been consistent with Bitcoin’s favorable performance up to now.
Some of the XRP investors’ hopes can also be deposited into the success of Stablecoin Ripple USD (RLUSD).
The latter is relevant as if RLUSD achieves greater adoption, XRP ledger activity could increase, which could increase the demand for meeting XRP committees. Potentially, it raises the price of the asset.
But reality shows something else: Ripple’s Stable is still far from becoming a weighty actor This market niche. This sample is far from the circle USDC, with a market capitalization of $312 million, which is $131.3 billion and $6000 million respectively.
So, while it is clear that this positive news is important for XRP, what actually makes a difference is the macroeconomic conditions. If that doesn’t change, it’s difficult to quote if XRP exceeds at least $3.