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XRP trades 60% below its July 2025 peak; investor Anthony Di Pizio says history could force a 90% drop, raising questions on its utility and regulatory risk.
XRP is now about 60% below its summer‑2025 high of $3.65, hovering near $1.15 after a sharp pullback that began in late 2025 [1]. Investor Anthony Di Pizio argues the token’s woes go beyond price, pointing to structural issues that could drive further downside [1]. He notes that while Ripple’s Payments platform can settle transactions in fiat, the system does not require XRP, leaving the token’s demand vulnerable [1].
Ripple’s 2024 launch of the RLUSD stablecoin, which runs on the XRP Ledger and still uses XRP for transaction fees, gives the token some residual utility [1]. However, Di Pizio stresses that XRP’s fate is tightly linked to Ripple’s regulatory battles and centralized control, unlike Bitcoin’s decentralized design [1]. The ongoing SEC lawsuit and the pending CLARITY Act—proposed legislation that would place large tokens such as XRP under CFTC oversight—add further uncertainty to the token’s outlook [2].
Technical charts show XRP finding support around $1.15 within a broader $0.70–$0.90 accumulation zone, but indicators on the 1‑day and 1‑week timeframes remain bearish, with RSI values in the oversold region and a recent break below the 50‑day moving average [2]. Despite a modest 0.43% rise in the last 24 hours, the longer‑term trend points to continued pressure, echoing the post‑2018 collapse that saw XRP fall more than 95% before bottoming near $0.15 in March 2020 [1].
If history repeats, Di Pizio estimates XRP would need to lose another 90% to match its 2018 low, a trajectory he says “appears to be trending in that direction” [1]. The combination of limited intrinsic demand, regulatory headwinds, and a price pattern that mirrors past crashes leaves investors watching for whether XRP can break the downtrend or slide toward historic lows.
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AI-assisted synthesis by the TrendWatcher Editorial Desk · sourced from 2 outlets · Jun 14, 2026 · How we report
Sources report that Ripple’s products increasingly use the stablecoin RLUSD instead of XRP, and the token’s price is largely speculative, leading to a divergence between the token’s performance and the company’s valuation.
RLUSD is a stablecoin pegged to the U.S. dollar that offers a less volatile bridge asset for cross‑border payments, potentially cannibalizing XRP’s use in the ledger.
According to the sources, the lawsuit concluded in 2025 with a lighter fine and a ruling that XRP was not an unlicensed security when sold to retail investors, leading to relisting on exchanges.
Ripple secured full MiCA licensing in Europe, enabling payments across 30 countries, and may benefit from the upcoming U.S. Digital Asset Market Clarity Act.
Sources suggest that Ripple’s equity may have more long‑term upside due to diversified products, while XRP’s value remains tied to speculation and volatility.