Precio de Ripple USDRLUSD

As 2026 kicks into high gear, asset manager 21Shares has released a comprehensive price outlook for XRP, identifying a clear path toward a bullish $2.69 target. Driven by the landmark 2025 SEC legal clarity and the subsequent record-breaking launch of spot ETFs which saw over 50 consecutive days of net inflows XRP’s demand profile has fundamentally shifted from retail speculation to institutional necessity. With the XRP Ledger (XRPL) emerging as a neutral settlement layer for Real-World Assets (RWAs) and the RLUSD stablecoin growing 1,800% in its first year, 21Shares assigns a 30% probability to its top-tier price scenario, provided the network can outpace rising competition from the likes of Canton and Solana. The ETF Effect: A World-Record Demand Shift The approval and launch of XRP spot ETFs in late 2025 marked the definitive end of the "legal cloud" era and the beginning of institutional dominance. The Record Breaker: According to 21Shares researcher Matt Mena, XRP ETFs set a global record for the longest consecutive period of net inflows across any asset class beating out stocks, bonds, and even Bitcoin with over 50 straight days of positive capital movement. Capital Velocity: Within just one month of launch, these ETFs amassed over $1.3 billion in AUM, signaling a durable and massive appetite from U.S.-based institutions and payment firms that were previously sidelined by regulatory uncertainty. XRPL as the "Regulated Plumbing" of Finance Beyond price speculation, the XRP Ledger is being repositioned as the infrastructure of choice for the tokenization of global finance. RWA Dominance: The XRPL’s programmable infrastructure is now being utilized by institutions to issue and manage complex RWAs, such as bonds and equities. 21Shares views the ledger as a critical "liquidity bridge" that seamlessly combines tokenized bank deposits and fiat-backed stablecoins. The RLUSD Catalyst: Ripple’s stablecoin, RLUSD, has seen exponential growth, with its market cap surging from $72 million to $1.38 billion in less than a year. This liquidity vehicle is increasingly serving as institutional collateral, directly supporting the utility-based value of XRP. Scenarios: From the $2.45 Base Case to the Bear Risk While the outlook is constructive, 21Shares has modeled three distinct paths for XRP based on varying adoption metrics. The Base Case (50% Probability): Steady ETF inflows and gradual utility growth place XRP around $2.45. The Bull Case (30% Probability): Rapid RLUSD scaling and high RWA volume on the XRPL drive the price to $2.69. The Bear Case (-16% Probability): Stagnant adoption and capital rotation into competitors like Canton or Solana could see XRP slide toward $1.60. Essential Financial Disclaimer This analysis is for informational and educational purposes only and does not constitute financial, investment, or legal advice. The $2.69 bull case and 30% probability assigned by 21Shares are speculative projections as of January 28, 2026, and do not guarantee future price performance. XRP remains a high-risk digital asset subject to extreme volatility and competitive pressures from other blockchains. Regulatory clarity in the U.S. is subject to legislative changes that could impact the status of ETFs and the RLUSD stablecoin. Always conduct your own exhaustive research (DYOR) and consult with a licensed financial professional before making significant investment decisions in the cryptocurrency market. Do you side with the 21Shares bull case of $2.69, or do you think the "XRP Army" can push it even higher in 2026?

🚀 Ripple introduces on‑chain corporate treasury! Ripple has just unveiled Ripple Treasury — a next‑gen platform that merges fiat and digital asset management into one streamlined system. Highlights: Cross‑border payments in just 3–5 seconds via the new stablecoin #RLUSD One unified dashboard for both crypto and fiat — no more Excel chaos Access to short‑term liquidity and repo markets through prime broker Hidden Road Built on GTreasury, which Ripple acquired for $1B In short — Ripple is turning corporate finance into a crypto‑native banking experience with compliance, control, and instant settlements at its core. 💼⚡ $XRP

XRP is cementing its role in live institutional payment infrastructure as Ripple’s RLUSD anchors regulated stablecoin settlement, signaling blockchain rails are now trusted, production-grade systems for global liquidity, cross-border payments, and high-value financial flows. XRP Network Strengthens as Ripple Executive Emphasizes Trust-First Stablecoins Institutional blockchain infrastructure is increasingly shaping global payment flows. $XRP $U2U

The U.S. crypto market has witnessed a significant internal rift as of late January 2026, with industry giants Ripple and Coinbase taking opposing stances on the newly amended CLARITY Act. While Ripple CEO Brad Garlinghouse has publicly endorsed the bill as a "massive step forward" for institutional framework, Coinbase CEO Brian Armstrong has withdrawn support, citing "red lines" regarding the expansion of SEC power and a de facto ban on tokenized equities. This divergence highlights a deepening strategic split: Ripple is prioritizing a "compliance-first" infrastructure for its RLUSD stablecoin and payment rails, while Coinbase is fighting to protect its high-growth retail yield models and decentralized finance (DeFi) innovation from bank-style surveillance. The Senate Rewrite: Why the Stakes Changed The original House version of the CLARITY Act was widely supported, but a recent Senate Banking Committee overhaul has fundamentally shifted the bill's impact on different business models. Expanded SEC Authority: The Senate draft grants the SEC significantly more discretion over token disclosures and exchange operations—a move Ripple finds manageable but Coinbase views as a threat to its listing-heavy model. DeFi and Stablecoin Restrictions: The bill now includes tighter stablecoin rules and mandates bank-style compliance for DeFi protocols. These provisions aim to curb the "shadow banking" aspects of crypto, which directly impacts platforms built on retail yield and open-access trading. Why Ripple Backs the Bill: The Institutional Play Ripple’s business model has shifted toward becoming the "regulated plumbing" of the global financial system, making strict clarity more valuable than flexible uncertainty. Stablecoin Alignment: The Act treats stablecoins primarily as payment instruments. This aligns perfectly with Ripple’s RLUSD, which is designed for cross-border settlement rather than retail yield. Regulatory Moat: By embracing a framework that imposes high compliance costs, Ripple effectively builds a "moat" around its enterprise partnerships. Firms that already operate within regulatory boundaries like Ripple after years of SEC litigation stand to gain as competitors built on retail incentives face higher barriers to entry. Why Coinbase Walked Away: Protecting Retail and DeFi For Coinbase, the Senate amendments represent an existential threat to its most profitable and innovative business segments. Yield Model Under Fire: Provisions that restrict stablecoin rewards would cripple Coinbase’s ability to offer competitive yields to its users, shifting the advantage back to traditional banks. Innovation Red Lines: Brian Armstrong has explicitly warned that the bill’s language regarding tokenized equities and DeFi oversight would give the government "unlimited access" to financial data and stifle the development of on-chain capital markets in the United States. Essential Financial Disclaimer This analysis is for informational and educational purposes only and does not constitute financial, investment, or legal advice. The "CLARITY Act" and its amendments are part of an ongoing legislative process as of January 2026, and the final impact on Ripple (XRP) and Coinbase remains speculative. Legislative shifts can cause significant volatility in the prices of digital assets and the valuations of public crypto companies. Industry endorsements or rejections do not guarantee specific regulatory outcomes or future market performance. Always conduct your own exhaustive research (DYOR) and consult with a professional regarding the legal and financial implications of new crypto regulations. Do you side with Ripple’s "compliance-first" vision, or are you with Coinbase in fighting for DeFi privacy and retail yield?