$XRP ’s history is defined by its early vision of "Bitcoin without mining." Created in 2012 by David Schwartz, Jed McCaleb, and Arthur Britto, it was designed specifically for global payments.
• 2017 Moonshot: XRP a atins un maxim istoric de $3.84 la începutul anului 2018, cimentându-se ca o criptomonedă de top-3.
As of February 3, 2026, $XRP is in a consolidation phase, trading around $1.50–$1.63.
• Smart Money Divergence: While the broader market has seen "Extreme Fear" recently, institutional data shows a major rotation: while Bitcoin ETFs saw outflows this week, XRP ETFs recorded $15.6 million in net inflows.
• Utility Over Hype: XRP is no longer just a "meme" or a "lawsuit coin." It is now actively being used by companies like Western Union and various central banks for real-time liquidity.
The remainder of 2026 and beyond is focused on turning the $XRP Ledger (XRPL) into a DeFi powerhouse.
• The 2026 Roadmap: Ripple has confirmed a "Stacked" roadmap including Programmability (smart contracts) and Native On-Chain Lending. This allows users to earn yield directly on the ledger without middle-men.
• Privacy & ZK-Proofs: Upcoming upgrades will introduce Zero-Knowledge (ZK) technology, allowing banks to settle transactions with privacy while remaining compliant with global regulators.