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XRP hovers at $1, its lowest since Nov 2024, while Ripple expands XRPL lending, AI‑agent settlement and RLUSD use. See price, supply unlocks and ETF inflows.
XRP slipped below $1 on June 27, 2026, hitting a 52‑week low as the token’s price fell more than 50 % over the past year despite Ripple’s expanding network and a $1.47 billion inflow into XRP ETFs【1】.
| At a glance | |
|---|---|
| Price | $0.99 (≈52‑week low) |
| 24‑h change | –0.4 % |
| Key level | $1 support, 72 % below $3.65 peak |
| Catalyst | Ripple’s XRPL lending push, Mastercard AI‑agent settlement, RLUSD growth |
Ripple’s ledger is seeing record‑high activity, with liquidity in its trading pools more than tripling in 2026【1】. The surge is driven largely by RLUSD, Ripple’s dollar‑pegged stablecoin, which now holds about $800 million on the XRPL and accounts for roughly 82 % of its holdings in ten large addresses【1】. Because most of the payment volume settles in RLUSD rather than XRP, the token has not benefited from the network’s growth.
XRP ETFs have attracted roughly $1.47 billion since launch, maintaining inflows for seven consecutive weeks even as the spot price fell【1】. The CLARITY Act, which would permanently classify XRP as a commodity, could further unlock institutional capital, but it faces a tight legislative window. Meanwhile, Ripple’s escrow releases about 1 billion XRP each month, keeping the circulating supply at roughly 62 billion of a 100 billion total, which dilutes price pressure【1】.
On June 10, Mastercard added the XRP Ledger as a settlement rail for its new AI‑agent payment network, though the settlement token is Ripple’s stablecoin, not XRP itself【2】. Ripple also partnered with Bitso to issue the MXNB peso‑stablecoin on the XRPL, pairing it with RLUSD on a permissioned DEX for U.S.–Mexico remittances【2】. These deals showcase XRPL’s utility but underscore that XRP’s role remains limited when stablecoins can serve the same function.
XRP’s price is now decoupled from the growing XRPL activity, leaving its future price trajectory dependent on whether the token can capture more of the network’s payment volume or remain a peripheral asset behind RLUSD. The next few months of supply releases and regulatory decisions will be decisive.
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AI-assisted synthesis by the TrendWatcher Editorial Desk · sourced from 2 outlets · Jul 5, 2026 · How we report
Users deposit cryptocurrency to earn interest as lenders, or they lock their digital assets as collateral to borrow funds without selling their holdings.
It is a decentralized financial service that operates across multiple blockchain networks, allowing users to lend and borrow assets on different chains to increase accessibility and liquidity.
Some platforms operate as decentralized protocols without credit checks, while others, such as Nexo, may obtain specific authorizations to offer regulated credit services within local consumer credit frameworks.
Primary risks include market volatility, the potential for collateral liquidation, and the fact that funds deposited on these platforms are typically not insured.