XRP Price Slips 3% But Ripple President Has 4 Strong Predictions for 2026
The XRP value slipped by 3% on Wednesday, whilst Ripple President Monica Long laid out some of the bullish institutional outlooks for crypto up to now.
In her opinion, 2026 will mark a decisive shift from experimentation to full-scale manufacturing throughout world finance.
Ripple President Monica Long’s Predictions for 2026
Monica Long shared an in depth put up and an accompanying report, indicating that the business is getting into its “manufacturing period.”
She says trusted infrastructure and real-world utility finally push banks, corporates, and monetary service suppliers past pilots and into scaled deployment.
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“After certainly one of crypto’s most fun years (and Ripple’s), the business is getting into its manufacturing period,” Long started.
According to the Ripple government, 2026 will ship the institutionalization of crypto, the place:
Stablecoins turn out to be the default settlement infrastructure
At the middle of Long’s thesis are stablecoins, which she says are transitioning from another fee rail into the inspiration of world settlement. This aligns with the Coinbase CEO’s prediction that banks will eventually demand interest-paying stablecoins.
Monica Long notes that main fee networks and fintech corporations are already embedding digital {dollars} immediately into current programs.
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“Stablecoins would be the basis for world settlement, not another rail,” Long said, pointing to Visa, Stripe, and main monetary establishments hard-wiring stablecoins into fee flows.
While retail adoption continues, she emphasised that B2B funds are the actual development engine, with corporates utilizing digital {dollars} to unlock real-time liquidity and capital effectivity.
The Ripple president additionally highlighted information displaying that B2B stablecoin funds reached an annualized run charge of $76 billion final yr, up from lower than $100 million per 30 days in early 2023.
The prize, she famous, is releasing up trillions of {dollars} in trapped working capital sitting idle on company stability sheets.
Crypto publicity goes mainstream
Long’s second main prediction is that crypto will now not be seen as speculative by establishments, however as core monetary infrastructure.
In 2026, she expects roughly 50% of Fortune 500 companies to have crypto publicity or formalized digital asset treasury methods.
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“Crypto is now not speculative — it’s changing into the working layer of recent finance,” she wrote, forecasting energetic use of tokenized belongings, on-chain T-bills, stablecoins, and programmable monetary devices throughout company stability sheets.
She additionally pointed to the speedy expansion of crypto ETFs, which now present institutional entry however nonetheless symbolize simply 1–2% of the US ETF market, suggesting important room for development.
Capital markets and custody observe on-chain
As adoption scales, Long expects capital markets to observe. She predicts that 5–10% of world settlement exercise will transfer on-chain, pushed by tokenization and the mobility of stablecoin-based collateral.
At the identical time, crypto custody is getting into a consolidation section. With $8.6 billion in crypto M&A exercise recorded in 2025, Long expects custody to turn out to be the following main battleground, with commoditization driving vertical integration and multi-custodian methods.
By 2026, she estimates that greater than half of the world’s prime 50 banks will formalize new custody relationships.
Blockchain Meets AI But Markets Stay Cautious
Long additionally highlighted the convergence of blockchain and AI, the place good contracts, AI fashions, and privacy-preserving zero-knowledge proofs automate treasury administration, collateral optimization, and danger evaluation in actual time.
Despite the sweeping imaginative and prescient, the market response was muted as XRP value slipped by over 3% to $1.90, successfully falling below the $2 mark.
This XRP value decline displays the continued disconnect between short-term value motion and long-term infrastructure narratives. It occurs whilst Ripple positions 2026 as a defining yr for institutional crypto adoption.
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