The Reality of XRP and the Reasons Banks Haven't Adopted It Yet

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

Source: Coinmarketcap

Updated: Dec 07 2025

Should l Buy XRP?

Current Adoption Status of XRP: Major financial institutions have not yet adopted XRP for global settlement, which is attributed to a planned sequence of development rather than failure. The focus has been on building a resilient financial architecture with the XRP Ledger.
Phased Approach to Integration: The integration of Ripple’s technology into existing financial systems is crucial for establishing trust with key institutions like central banks and payment companies, which is necessary before any transition to XRP settlement can occur.
Importance of Reliability and Compliance: Large-scale institutional adoption of new protocols like XRP cannot happen overnight; it requires proven reliability, compliance, and assurance of seamless operation at a global scale.
Long-Term Strategy for Adoption: The path to XRP’s widespread usage is seen as a gradual process, with foundational requirements being laid out to support eventual large-scale settlement once trust and infrastructure are fully established.

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Technical Analysis for XRP

Technical Sentiment Analysis for XRP (XRP) As of , XRP (XRP) is exhibiting a Sell technical sentiment. Our proprietary analysis, which aggregates 3 technical signals, shows that 0 indicators are flashing buy, while 3 are indicating sell.

Momentum Indicators: RSI, MACD & Overbought/Oversold Status Currently, the Relative Strength Index (RSI) for XRP stands at -, which suggests a Neutral condition. Meanwhile, the MACD (12, 26) indicator is at -, providing a Neutral signal for short-term momentum. Other oscillators like the Stochastic Oscillator at - and the Commodity Channel Index (CCI) at - further confirm a - outlook for the stock.

Support, Resistance & Moving Averages From a structural perspective, XRP is trading below its 60-day moving average of $- and below its 200-day long-term moving average of $-. Key price levels to watch include the immediate resistance at $- and strong support at $-. A break above $- could signal a bull continuation, while falling below $- may test the next Fibonacci floor at $-.

XRP (XRP) Support & Resistance Level

Name	S3	S2	S1	Pivot Points	R1	R2	R3
Classic	0.517	0.817	1.154	1.455	1.792	2.092	2.429
Fibonacci	0.817	1.061	1.211	1.455	1.698	1.849	2.092

About XRP

Launched in 2012, the XRP Ledger (XRPL) is an open-source, permissionless and decentralized technology. Benefits of the XRP Ledger include its low-cost ($0.0002 to transact), speed (settling transactions in 3-5 seconds), scalability (1,500 transactions per second) and inherently green attributes (carbon-neutral and energy-efficient). The XRP Ledger also features the first decentralized exchange (DEX) and custom tokenization capabilities built into the protocol. Since 2012, the XRP Ledger has been operating reliably, having closed 70 million ledgers.

About the author

Ohris M. Greyoon

Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.

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