Garlinghouse Takes Aim at Dimon as XRP’s Price Slump Defies a Flurry of Positive Developments
Veröffentlicht: 14.06.2026 um 09:31 Uhr, Redaktion boerse-global.de
The war of words between Ripple’s chief executive and the head of JPMorgan has escalated, with Brad Garlinghouse accusing Jamie Dimon of deliberately misrepresenting a key crypto bill to protect the bank’s payment empire. The spat, aired on Fox Business on June 12, underscores the high stakes for XRP as the token’s price sinks deeper into negative territory despite a string of fundamentals that would normally buoy sentiment.
At the centre of the clash is the Digital Asset Market Clarity Act (H.R. 3633), legislation that would carve out clear regulatory responsibilities between the SEC and the CFTC for digital assets. Garlinghouse claimed Dimon is twisting the bill’s intent because JPMorgan’s payment business — generating roughly $20 billion in annual revenue and over $5 billion in profit — would face new competition from blockchain-based settlement systems. The White House has set a July 4 target for passage, while prediction markets give the legislation a 47% to 59% chance of being signed into law this year.
The bill carries a particular sting for Ripple itself. One clause prohibits any single entity from controlling more than 20% of a token’s total supply. Ripple’s own XRP holdings, including its escrow reserves, currently exceed that threshold. If the CLARITY Act becomes law, the company would have just twelve months to trim its stake.
Yet even as regulatory drama dominates headlines, the XRP Ledger is undergoing a quiet transformation. On June 10, Ripple launched the XRPL AI Starter Kit, a toolkit that allows autonomous AI agents to make payments using XRP or the dollar-pegged stablecoin RLUSD via the x402 protocol. Mastercard signed on as a launch partner for its “Agent Pay for Machines” service, which aims to let software bots pay for API access, cloud compute and other digital resources. Transactions settle in three to five seconds — exactly the speed machine-to-machine payments require.
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Cross-border payments are also expanding. Ripple deepened its partnership with Mexican crypto exchange Bitso to bring the peso-backed stablecoin MXNB onto the XRP Ledger. Combined with RLUSD, the corridor creates a direct settlement route between the United States and Mexico, bypassing traditional correspondent banks. Companies can deposit RLUSD and receive MXNB on the other side for local disbursements.
None of this has stopped XRP’s slide. The token trades around $1.14, roughly 20% lower than a month ago, 40% below its year-to-date opening, and nearly 50% off its 52-week high of $3.65. The relative strength index sits at 35.8, signalling oversold conditions. Market sentiment around XRP hit an eight-month low on June 13, with social media engagement and public interest fading even as developer activity on the ledger remains elevated.
Institutional investors, however, appear to be looking past the noise. US spot ETFs tracking XRP have attracted cumulative net inflows of $1.436 billion since November 2025, with $2 million arriving on June 12 alone. By contrast, bitcoin and ethereum ETFs recorded outflows over the same stretch — a sign that a subset of professional money is selectively building exposure to XRP despite the broader crypto market’s weakness.
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A technical upgrade scheduled for June 15 could soon give the network a fresh edge. Version 3.2.0 of the core software — now renamed “xrpld” — is set to cut node storage requirements by up to 40% and boost transaction throughput. Ripple sees the update as essential infrastructure for the growing wave of AI-driven demand. Whether the market will reward it depends on when sentiment and substance finally realign. The clock is also ticking on the CLARITY Act, which could force Ripple to resolve its concentration issue and, if passed, grant XRP the “digital commodity” status that has eluded it for years.
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