XRP rises over 20% in 2026, surpassing Bitcoin and Ethereum, reigniting discussions about its long-term viability. Analyst Ellio Trades pointed out that the theory of XRP initially serving as a transitional asset for banks no longer holds water, as institutions prefer stablecoins like USDC or Ripple's non-XRP settlement tools. Despite Ripple's rapid development and the establishment of hundreds of partnerships, the role of XRP itself in cross-border payments has diminished with the rise of the stablecoin market exceeding $300 billion.
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XRP rises over 20% in 2026, surpassing Bitcoin and Ethereum, reigniting discussions about its long-term viability. Analyst Ellio Trades pointed out that the theory of XRP initially serving as a transitional asset for banks no longer holds water, as institutions prefer stablecoins like USDC or Ripple's non-XRP settlement tools. Despite Ripple's rapid development and the establishment of hundreds of partnerships, the role of XRP itself in cross-border payments has diminished with the rise of the stablecoin market exceeding $300 billion.