XRP Network Jumps 72% as Ripple Unveils DeFi Lending to Capture $16 Trillion Payment Market
Veröffentlicht: 30.06.2026 um 06:05 Uhr, Redaktion boerse-global.de
XRP is clinging to the $1.05 mark, barely above its 52-week trough of $1.01, having shed roughly 44% of its value this year. Yet beneath the price surface, the XRP Ledger is buzzing. Daily active addresses have surged nearly 72% over the past two weeks, climbing from around 23,000 to more than 39,500, with the network adding roughly 19,000 new accounts each week. The relative strength index sits at 32, flashing oversold territory, while the Fear & Greed Index has plummeted to 12 — extreme fear among retail holders.
Ripple is betting that institutional infrastructure, not retail sentiment, will ultimately determine XRP’s trajectory. The company has formally proposed a native credit protocol for the XRP Ledger, comprising two technical amendments. XLS-65 creates a “Single Asset Vault” that lets users deposit assets such as XRP or the RLUSD stablecoin into liquidity pools and earn interest. XLS-66 governs the lending mechanics themselves — payment processing, interest management, and default handling. Critically, creditworthiness checks remain off-chain, handled by banks and institutions using their own standards, while execution and settlement run on-chain. Access is restricted to participants with verifiable identity credentials, making the protocol KYC- and AML-compliant from day one.
The move targets a glaring gap. Ripple CEO Brad Garlinghouse said in a CNBC interview on June 26 that the companies Ripple has acquired — including Hidden Road and GTreasury — collectively process around $16 trillion in payments and clearing volume annually. The share routed through digital assets stands at nearly zero percent. Ripple’s new lending protocol aims to migrate that volume onto the XRP Ledger gradually, starting with the cross-border payments market, which it expects to reach $156 trillion by 2031. In the first quarter of 2026, its On-Demand Liquidity solution already handled more than $35 billion.
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Institutional appetite for XRP exposure is also surfacing in the US ETF market. XRP spot ETFs recorded net inflows of roughly $23 million between June 22 and June 26, with the Bitwise XRP ETF capturing about $11 million of that total. That marks eight consecutive days of positive flows, even as Bitcoin ETFs suffered $444 million in net outflows on June 26 alone. Since the launch of XRP spot ETFs in late 2025, cumulative inflows have reached about $1.47 billion. The capital has yet to establish a durable price floor, but it signals demand that is decoupled from Bitcoin’s gyrations.
Europe is opening another door. Ripple has secured a preliminary Virtual Asset Service Provider license in Luxembourg, which permits it to offer its dollar-pegged stablecoin RLUSD across all 30 states of the European Economic Area. The timing slots neatly into the MiCA compliance deadline that passed on July 1. RLUSD, with a market capitalization of roughly $1.5 billion, is positioned as the central liquidity instrument in Ripple’s new credit protocol.
On the price chart, XRP faces a stubborn resistance band between $1.07 and $1.14 — levels it has repeatedly failed to breach sustainably. Standard Chartered has trimmed its year-end target for XRP from $8.00 to $2.80 for 2026, though it retains a long-term forecast of $28.00 by 2030, citing the potential impact of the US CLARITY Act and continued institutional infrastructure build-out. The CLARITY Act is still winding through the Senate, with technical disagreements over Section 604 delaying a vote.
Meanwhile, Ripple is already signing up partners. Australian crypto broker Caleb & Brown, which oversees roughly $2 billion in assets under management, has integrated Ripple Payments to streamline USD payouts. The shift of real-world payment flows onto the XRP Ledger may still be in its infancy, but the foundations — regulatory clearance, a native lending framework, and a stablecoin with scale — are being laid while token price languishes near its lows.
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