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Ripple (XRP) ETF Inflows Set Another Record, but One Problem Remains

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The spot exchange-traded funds tracking Ripple’s cross-border token started the week strong, hitting a fresh all-time high in terms of total net inflows, but a familiar and slightly worrisome scenario repeated in the following days.

At the same time, the HYPE ETFs have broken their streak and were deep in the red for a second consecutive week.

XRP ETFs: The Good and the Worrisome

Data from SoSoValue shows that the spot XRP ETFs attracted $2.49 million on Monday and $5.66 million on Tuesday. That’s the good news. However, the other side of the coin was what happened during the remaining three business days of the week. And, it was something that has repeated and even accelerated in recent weeks.

The same data aggregator shows that there were no reportable net flows during those three days, with $0.00 pointing at each. Something similar was observed last week, when only one day was in the green, while the other four were at $0.00. If we look back, we can see that 10 out of the last 15 trading days have seen zero net flows.

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Thus, even though the XRP ETFs ended two consecutive weeks in the green, a more in-depth look into the numbers shows a clear sign that investors’ interest has dwindled lately. Before these two weeks, the funds were on a massive nine-week streak in which they attracted over $150 million.

Nevertheless, the overall data shows that the cumulative total net inflow has risen to almost $1.5 billion, according to SoSoValue, which is an all-time high.

Spot XRP ETF Inflows. Source: SoSoValue
Spot XRP ETF Inflows. Source: SoSoValue

Meanwhile, the underlying asset pumped at the beginning of the week, perhaps due to the growing ETF net flows, went from under $1.09 to a multi-day peak of $1.16. However, it was halted there and has returned to below $1.10 as of press time.

HYPE ETFs Break Form

The spot HYPE ETFs quickly joined the XRP funds as a fan favorite, especially during one week in which they attracted over $110 million to set a record of their own. However, investors have turned their back on those funds in the past two weeks, as net outflows dominate.

During the past five-day trading period, they pulled out over $8.6 million, following another red one in which the net outflows stood at $7.26 million. Thus, the cumulative total net inflows have dropped from an all-time high of $308.60 million to $292.73 million as of Friday’s close.

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Russia’s Biggest Bank Plans Crypto Trading Infrastructure By Year End

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Russia’s Biggest Bank Plans Crypto Trading Infrastructure By Year End

Sberbank, Russia’s biggest bank, plans to build cryptocurrency trading infrastructure including a digital depository no later than Dec. 1 as the country brings crypto trading, custody and settlement into its regulated financial system.

That digital depository, Interfax reported, will record ownership of cryptocurrency and process most transactions outside of the main blockchain. Sberbank will operate active wallets for client-initiated deposits, withdrawals and transfers.

“One of the key elements of the new infrastructure will be a digital depository, which will maintain records of clients’ cryptocurrency rights and account for transactions outside the main blockchain,” said Alexander Vedyakhin, first deputy chairman of Sberbank’s management board, the state-affiliated press service said. “It will also facilitate transactions on active wallets to fulfill clients’ currency transfer orders.”

Russia’s lawmakers earlier this month moved the country closer to its first comprehensive crypto market framework after completing final readings on a bill that would regulate digital asset activity.

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The bill would give the Bank of Russia broad oversight of the regulated market, including authority to determine which crypto assets may be offered through licensed intermediaries and to issue implementing regulations.The central bank has set liquidity thresholds, including an average market capitalization of more than 5 trillion rubles (~$64 billion) and an average daily volume of more than 1 trillion rubles (~$12.8 billion) over two years.

Once in place, it also establishes five categories of regulated market participants, including crypto exchanges, brokers, asset managers, custodians and exchange service providers, defining who can buy, sell, hold and exchange crypto assets as of the framework’s effective date of Sept. 1, 2026.

Recommended: Bitcoin advocacy group to join US State Department’s ‘digital freedom’ program

Moscow adopts crypto framework as EU tightens sanctions

Moscow is moving to put a working crypto infrastructure in place as the European Union turns up the heat on the country with a package of sanctions targeting Russia amid the country’s war on Ukraine. Last week, the bloc listed cryptocurrency exchange HTX, formerly Huobi Global, in its sanctions.

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In a Thursday decision, the European Council amended its previous measures “in view of Russia’s actions destabilizing the situation in Ukraine” to include HTX in a list of 18 entities “providing crypto-assets services or payment services established outside of the Union that are significantly frustrating the purpose of the prohibitions” against Russia. The country continues to face sanctions globally over its war in Ukraine following a military invasion in 2022. 

The sanctions against HTX came the same day EU officials announced they would prohibit Belarusian nationals and residents from owning, controlling or managing crypto exchanges and digital asset service providers in compliance with the region’s Markets in Crypto Assets (MiCA) framework. 

The UK government imposed similar sanctions on HTX in May, saying there were “reasonable grounds to suspect” that the exchange supported Russia’s government by using financial services and funds facilitated by sanctioned entities.

Magazine: Will the US get CLARITY this week? Bitcoin’s new $80K target: Hodler’s Digest, July 19

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Is 20,000 XRP Enough for Savings? The Dream Meets Brutal Reality on X

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XRP Price Performance. Source: BeInCrypto

A post asking whether 20,000 XRP is enough for retirement savings drew heavy criticism on X, exposing how far optimistic price targets sit from current reality.

The debate cuts to a question every crypto holder eventually faces: how much is actually enough?

The $2 Million Math Behind the XRP Theory

A savings threshold is the portfolio size needed to generate a reliable income without depleting the principal. Jake Claver, chairman of DAG Family Office, applied that idea to XRP holdings this week.

His scenario rested on a single assumption. If XRP reached $100 per token, a 20,000 XRP position would be worth $2 million. From there, the math looked simple enough.

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A conservative 5% annual return on that sum would produce roughly $100,000 in pre-tax income each year.

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Claver framed the exercise as personal financial arithmetic rather than a forecast. He encouraged followers to run their own numbers, emphasizing patience over hype.

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Current prices complicate the picture considerably. XRP trades near $1.10, according to BeInCrypto data, valuing 20,000 tokens at roughly $22,000.

Reaching $100 would require the token to climb nearly 90x from current levels. Its all-time high sits at $3.65, still far below that threshold.

XRP Price Performance. Source: BeInCrypto
XRP Price Performance. Source: BeInCrypto

The replies turned hostile quickly. Several users pointed to years of development and regulatory progress that failed to translate into sustained price appreciation.

One critic argued the token should already trade far higher if the technology delivered as promised. Another dismissed the $100 target outright, calling it unreachable.

Why Do Critics Say the Numbers Fall Short

Practical objections went beyond price skepticism. Even at $2 million, taxes, inflation, healthcare, and housing costs would erode purchasing power substantially over time.

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For younger investors needing funds across 30 to 50 years, financial planners often cite $5 to $7 million as a more realistic independence target.

Concentration risk compounds the problem further. Holding a single volatile asset exposes savings to sudden drawdowns that diversified portfolios typically absorb more comfortably.

“Jake seriously, I am even getting tired of your crap. I know you are trying to build your business, but honestly your stuff isn’t coming true at all either. You get excited when you see some BS Japan or Oil going on. Price is still $1.10. You say XRP doesn’t need Clarity, yet, it’s still $1.10. If XRP was so great, it should be $20 by now. Why isn’t it? Crypto is crap, it’s all BS, just call it what it is already,” one user replied on X.

The underlying fundamentals offer some counterweight. XRP powers the XRP Ledger, built for fast, low-cost cross-border payments with transaction finality in three to five seconds.

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It functions as a bridge asset for currency swaps, and institutional interest has grown steadily. Spot ETFs arrived in late 2025, while real-world asset activity on the ledger continues to expand.

Competition remains fierce, however. Traditional payment systems and rival blockchains contest the same use cases, and much of the roughly 62.5 billion circulating supply sits idle.

Community responses split predictably. Some celebrate any XRP holding that clears a mortgage, while others argue that positions closer to 50,000 tokens make far more sense.

The disagreement highlights a broader point about crypto investing. Bag size alone guarantees nothing without diversification, disciplined withdrawal planning, and expectations grounded in probability rather than in hope.

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Morgan Stanley Cuts Its Alibaba Stock Price Target

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Alibaba (BABA) Stock Performance.

Morgan Stanley kept Alibaba (BABA) stock as a “top pick” ahead of late-August earnings. Analyst Gary Yu made the call over two weeks after cutting his target to $180 from $190.

That target sits roughly 60% above where BABA shares closed on Friday at $112.14. Thus, Wall Street is telling clients the stock is worth far more than buyers are currently willing to pay.

Why the Target Cut Came First

Yu lowered his Alibaba target in early July. He still kept an overweight rating on the stock.

Other banks pivoted in the same direction. HSBC cut its target to $170 from $176 in July. The bank still maintained its buy rating.

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Daiwa moved earlier, cutting to $175 from $200 on June 24. The firm pointed to weak sales during China’s 618 shopping festival.

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What Yu Wants Investors to Watch

Yu framed the reiteration by pointing to Alibaba’s cloud infrastructure, which he described as the largest in China.

“We expect Alibaba, having the largest cloud infrastructure in China, to win share in the current evolutionary AI cycle in China,” Yu said.

The bank also cited cash generation, dividends, and share buybacks as support. Morgan Stanley noted the online regulatory environment appears to be easing, with Alibaba positioned to benefit.

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Yet, the bullish calls sit against a run of bad news. The European Commission fined AliExpress 550 million euros on July 20 for breaching the Digital Services Act (DSA).

AliExpress called the fine disproportionate and has until October 20 to file an action plan.

Alibaba (BABA) Stock Performance.
Alibaba (BABA) Stock Performance. Source: Google Finance

Meanwhile, Alibaba shares have gained about 18% over the past month. They remain well below their 52-week high of $192.67.

The late-August report will test whether the cloud growth Yu describes arrives fast enough to close a 60% gap.

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Ripple Price Analysis: XRP Could Be Heading for a Major Move Next Week

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Ripple’s token is showing signs of stabilization after the sharp decline from higher levels, but the recovery remains limited by a series of resistance zones that continue to attract sellers. While buyers have defended the recent lows, the market still needs a clear structural breakout before a stronger upside move can be considered.

Ripple Price Analysis: The Daily Chart

On the daily timeframe, XRP continues to trade inside a broader descending channel that has shaped the price action for months. The recent rebound from the $1.02 to $1.04 demand zone has helped the asset recover, but the move has not yet changed the larger bearish structure.

The main challenge for buyers remains the $1.17 to $1.2 supply zone, which sits near the upper boundary of the descending channel. A successful breakout above this region could open the path toward the next resistance area around $1.28. However, as long as XRP remains below this level, the current recovery may still represent a corrective move within the broader downtrend.

A rejection from the current resistance area could send the price back toward the $1.05 to $1.07 support region, while a deeper decline would bring the $1.02 to $1.04 buyers’ base back into focus.

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XRP/USDT 4-Hour Chart

The 4-hour chart highlights the ongoing struggle between buyers attempting to build a base and sellers defending the overhead supply. XRP recently pushed toward the $1.16 to $1.18 resistance zone but failed to secure a breakout, keeping the short-term structure vulnerable.

The $1.16 – $1.18 supply range remains an important barrier, with price action still showing difficulty reclaiming the area above it. Until the asset breaks above this price region and confirms strength above it, upside attempts may continue to face selling pressure.

On the downside, the ascending wedge’s lower trendline remains the key support area. Holding above this zone would preserve the possibility of another recovery attempt, while a breakdown below it would weaken the current setup and increase the risk of further downside.

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Ethereum Price Analysis: ETH Hits a Decision Point as Major Resistance Comes Into Play

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After staging an impressive rebound from its local bottom, Ethereum is beginning to test increasingly important resistance levels. The coming sessions should provide more clarity on whether this recovery has enough momentum to continue.

Ethereum Price Analysis: The Daily Chart

The daily chart shows ETH holding above the previously broken descending trendline, confirming that the medium-term structure has improved compared to the aggressive selloff seen in June. Following the breakout, the market has successfully established a sequence of higher highs and higher lows while consolidating above the $1.76K to $1.82K support region.

However, the recovery is now approaching a major technical barrier. The $1.88K to $1.91K supply zone is acting as the first resistance, while the declining 100-day moving average sits just overhead near the $1.95K area. This creates a confluence of resistance that could cap the current rally before ETH attempts to challenge the broader long-term supply zone between roughly $2K and $2.15K.

As long as the price remains above the $1.76K to $1.82K support, buyers maintain the short-term advantage. Losing that area, however, would expose the next support around $1.55K to $1.64K and weaken the current bullish structure.

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ETH/USDT 4-Hour Chart

On the 4-hour timeframe, Ethereum has slipped slightly below the ascending trendline that had guided the recovery throughout July. While the break is not yet decisive, it signals that bullish momentum is beginning to weaken as the price trades inside the $1.88K to $1.91K supply zone. The current structure suggests that buyers are losing some control after failing to extend the recent rally.

If ETH remains below the broken trendline, the move could evolve into a deeper retracement toward the notable demand zone around $1.76K to $1.79K, where buyers would be expected to step in. Conversely, reclaiming the trendline and securing a breakout above the $1.88K to $1.91K resistance would invalidate the short-term weakness and increase the probability of another push toward the $1.95K to $2K region.

Sentiment Analysis

The one-month Binance ETH liquidation heatmap shows a substantial concentration of liquidity around the $1.5K level. Although Ethereum is currently trading well above that region, this cluster remains an important magnet from a derivatives perspective.

If the current rally loses momentum and sellers regain control, a deeper correction toward the $1.5K liquidity pocket could attract price as leveraged long positions are unwound.

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Such a move would likely coincide with a break below the key technical supports visible on the chart. Until then, the prevailing structure remains constructive, but the presence of this large liquidity cluster highlights that downside risk has not completely disappeared despite the recent recovery.

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Bitcoin OG selling eases as dormant BTC movement hits 4-year low: Thorn

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Bitcoin OG selling eases as dormant BTC movement hits 4-year low: Thorn

Bitcoin OG selling eases as dormant BTC movement hits 4-year low: Thorn

Dormant Bitcoin activity fell to its lowest level since Q3 2022, suggesting long-term holders have slowed distribution after heavy profit-taking.

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Robinhood Bets on 3 Crypto Sectors as Blockchain Fees Hit $25 Million

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Robinhood Bets on 3 Crypto Sectors as Blockchain Fees Hit $25 Million

Robinhood Chain ranked 3rd by weekly application fees in the week ending July 24. Meme coins and tokenized assets trade side by side on the 4-week-old network.

Now Robinhood is pushing deeper into prediction markets, widening its bets across 3 crypto sectors.

Fees Hit $25 Million as Meme Coins Outpace the RWA Pitch

Applications on Robinhood Chain generated $25 million in fees over the week ending July 24. Only Ethereum (ETH) at $45 million and Solana (SOL) at $39 million ranked higher, per CryptoRank.

“Robinhood Chain’s third-place position makes it one of the strongest blockchain launches in recent years,” CryptoRank said.

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Robinhood built a layer-2 network for tokenized real-world assets (RWA). Recent activity shows a different mix. According to data from Dune, Cash Cat (CASHCAT) ranks first among the top traded tokens on the network.

The meme coin has logged $824.89 million in lifetime volume across 1.37 million trades. Tokenized assets are growing, too, though rarely on their own.

Daily RWA trading peaked at $61.1 million on July 23. Meme coin and tokenized stock pairs supplied $46.1 million, or about 75%.

The chain’s tokenized asset base also grew. The total RWA value on the chain climbed to $25.4 million on July 24, the highest since launch. Tokenized stocks made up $21.9 million.

RWA Value on Robinhood
RWA Value on Robinhood. Source: Dune

Prediction Markets Sit Off the Chain

As meme coin and RWA trading grow, Robinhood is also pushing deeper into prediction markets in its app. The Journal reported that Robinhood is in talks with Crypto.com. A partnership would let users trade the exchange’s yes-or-no contracts on Robinhood’s trading platform.

Robinhood began carrying Kalshi contracts in early 2025. Its partners also include ForecastEx, owned by Interactive Brokers, and Rothera. Robinhood runs Rothera through a joint venture with Susquehanna International Group.

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Robinhood said it will keep working with several exchanges. No agreement with Crypto.com has been reached, and the talks may not produce one.

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U.S. regulator warns prediction markets against cutting corners in event contracts

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U.S. regulator says 24/7 trading is great for crypto, may not be fit for other sectors

The U.S. Commodity Futures Trading Commission, which has claimed a role as the leading regulator of prediction markets firms run by companies such as Kalshi, Coinbase, Polymarket and Crypto.com, issued an advisory on Friday reminding the businesses that they shouldn’t cut corners with far-ranging contract certifications meant to encompass a wide array of events.

The agency said that “broad, template-style certifications should not be submitted,” marking the second time in recent months that the regulator has had to warn about overly generalized submissions.

Many of the “designated contract markets” regulated by the CFTC “continue to self-certify event contracts” (in other words, prediction market contracts) as broad templates “without supplying the terms and conditions of each proposed permutation and a concise explanation and analysis with respect to the product’s terms and conditions, the underlying commodity, and the product’s compliance,” the agency said.

The regulator said skirting the process can undermine its ability to work out whether the firm “has supplied all information, explanation and analysis required” and has “adequately evaluated the settlement methodology, data sources, and core-principles compliance of all permutations of the contract.”

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US and Iran Pause Strikes as Markets Wait for Monday’s Verdict

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Crypto Market

The US and Iran both stopped their strikes, ending 13 consecutive nights of American bombing and leaving crypto traders holding the only liquid read on the pause.

Bitcoin (BTC) traded near $64,463 on Sunday, up 0.7% over the past 24 hours, while the 10 largest digital assets posted modest gains. Oil and equity markets, however, closed before the strikes stopped.

US and Iran Pause Strikes

AP reported that the US paused its airstrikes on Friday after nearly two weeks of intensifying attacks. A US Department of Defense source told CNN that operations were on hold.

Iran has also stated that strikes on Gulf states and US interests in the region would be halted. Army spokesman, Amir Akraminia, confirmed it on Sunday.

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“Our strategy has essentially been retaliatory, we have also halted our retaliatory operations,” Akraminia said.

The New York Times reported that Trump shelved plans for a broader campaign due to dwindling US air defense supplies. CNN noted that Gen. Dan Caine flagged concerns about munitions stockpiles.

Despite the de-escalation, it remains a pause rather than a formal ceasefire. US Central Command (CENTCOM) confirmed that its naval blockade of Iranian ports remains in place.

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Why Monday’s Asian Open Matters

Brent crude fell about 4% Friday to roughly $96.7. The benchmark had closed above $100 on Thursday for the first time since May.

Crypto, therefore, absorbed the weekend headlines alone. Total market capitalization reached $2.29 trillion on Sunday, up 0.84% over 24 hours.

Crypto Market
Crypto Market Performance. Source: BeInCrypto Markets

Trading resumes on Monday, and the first prints will carry three days of news. Oil sets the direction for risk assets from there.

Higher crude lifts inflation expectations, which, in turn, shape the Federal Reserve’s policy and appetite for risk.

Analysts have warned against reading too much into a short lull. Michael Singh of the Washington Institute for Near East Policy told AP that duration is what matters.

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“If it turns into a multiday pause, that’ll be something significant,” he said.

Houthi attacks in the Red Sea remain a second source of pressure on crude. The June ceasefire has not returned, and traffic through the strait remains halted. Monday’s crude open will show whether traders treat the pause as durable or as an operational gap.

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South Korea’s largest bank brings cross-border payments to Kinexys

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South Korea’s largest bank brings cross-border payments to Kinexys

KB Kookmin Bank will launch a blockchain-based cross-border payment service for import and export companies in August 2026.

Summary

  • KB Kookmin will initially launch Kinexys-based U.S. dollar payments across ten countries during August 2026.
  • The service links blockchain settlement with SWIFT while supporting corporate transfers beyond normal banking hours.
  • KB becomes South Korea’s first financial institution using Kinexys for corporate import and export payments.

The South Korean lender will use Kinexys by J.P. Morgan to support U.S. dollar payments across 10 countries.

The service will connect Kinexys with existing SWIFT payment rails. It will support near-real-time transfers and foreign exchange settlement throughout the day. Customers will access the service through KB Kookmin Bank’s domestic branches and its Singapore branch.

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KB Kookmin becomes first Korean bank to use Kinexys

KB Kookmin Bank announced the service on July 26 after signing an agreement with J.P. Morgan on blockchain remittance services. According to Yonhap News Agency, it will become the first South Korean financial institution to use Kinexys for payment services aimed at import and export companies. The agreement focuses on faster cross-border remittances for businesses managing overseas trade, supplier payments and foreign exchange settlement needs.

The first phase will prioritise U.S. dollar transfers. The supported markets are South Korea, the U.S., Singapore, Saudi Arabia, India, Thailand, Qatar, the United Arab Emirates, Bahrain and South Africa. The bank has not published customer fees, transaction limits or an exact August launch date.

Kinexys adds blockchain settlement to existing bank rails

J.P. Morgan describes Kinexys as a bank-led blockchain platform for payments, asset tokenisation and near-real-time settlement. The network operates around the clock and lets approved institutions move funds without waiting for traditional banking cut-off times. It was previously known as Onyx.

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The KB service will not replace SWIFT. Instead, it will link Kinexys with the existing messaging and correspondent banking system. This model allows banks to use blockchain for faster movement and settlement while retaining established compliance checks, account structures and foreign exchange processes.

J.P. Morgan has expanded Kinexys across several markets. In June, the bank added blockchain deposit accounts in Australian dollars, Hong Kong dollars, Japanese yen, Chinese yuan and Singapore dollars. It said the expansion created support for eight currencies and enabled 24/7 payments, programmable treasury operations and onchain foreign exchange.

Other banks have already used the platform for corporate payments. Qatar National Bank adopted Kinexys for U.S. dollar payments in 2025. The service allowed corporate transfers outside normal banking hours and reduced some settlement times to minutes.

KB expands its institutional blockchain activity

The payment launch follows several blockchain projects across KB Financial Group. In June, KB Kookmin Bank completed a $100 million digital bond sale through HSBC’s Orion platform. The two-year U.S. dollar bond settled in three business days, compared with five days under the earlier process.

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KB Kookmin also participates in South Korea’s tokenised deposit work. The Ministry of Economy and Finance selected nine banks for a project linking tokenised deposits with government spending systems. The planned test will use programmable conditions and a shared record of public payments.

Meanwhile, KB Kookmin Card has been developing a payment system that links stablecoins with traditional credit. Crypto.news reported that the project uses Avalanche and OpenAsset infrastructure. The design aims to let users pay from stablecoin wallets while keeping standard card settlement for merchants.

Large banks move blockchain into live payment services

KB Financial Group ranked as South Korea’s largest lender by assets in S&P Global Market Intelligence’s 2026 Asia-Pacific bank review. The group placed 28th in the region with about $552.76 billion in assets. That scale gives the bank an established corporate network for introducing the new service.

The launch also adds to wider bank use of tokenised deposits and blockchain settlement. J.P. Morgan, Mastercard, Ripple and Ondo Finance tested a cross-border Treasury redemption in May. Kinexys handled the payment instructions and U.S. dollar settlement while the tokenised asset moved on the XRP Ledger.

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J.P. Morgan has also used Kinexys with companies such as Axis Bank, Mitsubishi Corporation and EBANX. In July, EBANX said the platform reduced some internal cross-border transfers from more than 24 hours to minutes by removing local cut-off restrictions.

For KB Kookmin’s corporate clients, the main change will be access to longer operating hours and faster settlement across selected trade corridors. The bank has not said whether it will add more currencies or countries after the first phase. Its August rollout will show how the service works alongside existing SWIFT processes for commercial payments.

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