XRP Price Stabilizes at $1.35 Amid Ripple's $13 Trillion Opportunity and ETF Outflows Pressure

02.04.2026 - 11:47:12 | ad-hoc-news.de

XRP holds steady around $1.35 as Ripple CEO highlights a $13 trillion payments market ripe for disruption, but banks favor RLUSD over XRP while ETF outflows add downward pressure for U.S. investors.

XRP price, XRP News, Ripple XRP - Foto: THN

XRP, the native token of the XRP Ledger, is trading at approximately $1.35, showing resilience amid broader crypto market choppiness and specific headwinds from ETF outflows totaling $31 million. For U.S. investors, this stability comes as Ripple's CEO Brad Garlinghouse spotlights a massive $13 trillion annual fiat payments opportunity managed by Ripple's Treasury division, raising questions about whether regulatory clarity could finally drive real demand for XRP through On-Demand Liquidity (ODL).

As of: Thursday, April 02, 2026, 5:46 AM ET (America/New_York)

Current XRP Market Snapshot

The **XRP price** has settled at $1.35 following a brief downtrend resumption, with technical support holding at $1.29 and resistance near $1.60. This level reflects sideways chopping action noted in recent market recaps, distinct from Bitcoin's retrace to $69,200 amid an overall downtrend expectation toward $60,000. XRP's performance diverges slightly from the broader crypto market, which saw precious metals like gold rebound to $4,774 and silver to $75 per ounce, signaling dip-buying in risk-off environments.

U.S. investors monitoring **XRP today** should note that while the token maintains this key support, ETF-related outflows of $31 million are exerting pressure, potentially capping upside in the short term. This contrasts with historical April strength for XRP, though past patterns like the 2025 tariff-induced drop from $2.00 to $1.60 followed by an 82% rally to $3.65 offer context rather than prediction.

Ripple's $13 Trillion Thesis and XRP Disconnect

Ripple, the company separate from the decentralized XRP Ledger (XRPL), manages $13 trillion in annual fiat payments through its Treasury division for legacy corporate clients. CEO Brad Garlinghouse recently emphasized in a FOX Business interview that none of this volume has migrated to crypto rails like XRP or Ripple's own RLUSD stablecoin, positioning it as finance's largest untapped opportunity.

Critically, this scale matters for **XRP price** because Ripple's On-Demand Liquidity (ODL) product is designed to source XRP as a bridge asset: sender currency converts to XRP, transfers across XRPL in seconds, then converts to recipient currency. At just 5% adoption of the $13 trillion, $650 billion in annual flows could generate sustained XRP buy/sell demand. However, current evidence shows banks like Deutsche Bank and Société Générale adopting Ripple infrastructure in early 2026 but settling via RLUSD and fiat, bypassing XRP entirely.

For U.S. investors, the key transmission mechanism hinges on regulatory differentiation: without federal clarity classifying XRP as a non-security commodity, fiduciaries avoid volatile tokens for settlements, defaulting to stablecoins. Ripple benefits from infrastructure wins, but XRP captures no direct revenue unless ODL activates at scale.

ETF Outflows Add Near-Term Headwinds

**XRP News** highlights $31 million in ETF outflows as a fresh drag, coinciding with the price drop below $1.3220 and the 100-hourly Simple Moving Average. These products, accessible via U.S. exchanges, directly impact liquidity for American holders. While XRP itself remains outside spot ETF approval, related flows underscore sentiment risks amid macro pressures like 10-year Treasury yields dipping to 4.2% after spiking to 4.5%, prompting potential intervention.

This environment tests XRP's $1.29 support. Standard Chartered's year-end $8 target assumes CLARITY Act passage, but near-term, outflows signal caution. U.S. investors face amplified volatility if broader crypto downtrends resume, with Bitcoin eyeing a double-tap at $60,000.

Regulatory Catalyst: The CLARITY Act Path

The CLARITY Act represents the linchpin for linking Ripple's growth to **Ripple XRP** demand. Passage would provide U.S. banks legal cover to deploy ODL with XRP, shifting volumes from RLUSD. No official markup is scheduled for April yet, but announcements of bank-crypto deals could precede votes. For U.S. audiences, this bill's progress directly affects domestic exchange liquidity and institutional positioning.

Historically, Ripple announcements have decoupled from XRP price due to settlement preferences, but ODL's mechanics now offer a verifiable bridge. If 5% of $13 trillion flows through XRP, it dwarfs current trading volumes, potentially validating long-term targets like $8.

XRP Ledger Utility vs. Ripple Company Momentum

Distinguishing XRPL from Ripple: the ledger powers fast, low-cost transfers independent of company products. ODL leverages XRPL for XRP bridging, but adoption lags without regulatory greenlights. Ripple's 25% valuation gain since mid-2025 highs contrasts XRP's 60% drawdown from peaks, highlighting the token's sensitivity to sentiment over direct capture.

U.S. investors should weigh XRPL's on-chain metrics: growing but not yet reflecting trillion-scale flows. Macro factors like USD/JPY nearing 160 intervention levels and oil below $100 add cross-asset context, but XRP's move ties more to crypto-specific ETF flows and regulatory hopes.

Technical Outlook and Risk Factors

Trading below $1.3220, XRP eyes further downside if $1.29 breaks, per recent analyses. Upside requires $1.60 clearance. Broader markets show stocks rebounding to Dow 46,000, but crypto downtrends persist. Precious metals support at gold $4,100 suggests risk-off dips finding buyers.

Risks for U.S. holders include prolonged outflows, CLARITY delays, and RLUSD dominance. Upside catalysts: ODL activations, ETF inflow reversals, regulatory wins. Standard Chartered's $8 call assumes clarity; without it, sideways action likely continues.

U.S. Investor Implications in Context

For American portfolios, XRP offers exposure to payments disruption without equity in Ripple. Exchange access via platforms like those tracking ETF flows ensures liquidity, but volatility exceeds traditional assets. Monitor CLARITY progress, bank ODL pilots, and ETF net flows weekly.

April's historical bullishness adds intrigue, but 2025's tariff crash reminds of macro vulnerabilities. Current $1.35 hold signals accumulation potential if supports firm.