XRP is poised for takeoff! The $1.85 bottom has been established, and Ripple's president predicts a breakthrough beyond $4.

XRP holds steady at $1.85, with the LTH-NUPL indicating an accumulation phase. Ripple CEO predicts that half of the Fortune 500 will develop digital asset strategies, with B2B stablecoin payments reaching an annualized $76 billion. XRPL transaction volume in 24 hours hits a new high of 1.59 million transactions. Technical analysis shows a retracement to $1.90-2.00 before targeting $4.00.

LTH-NUPL Indicator Shows XRP Entering Accumulation Phase

Long-term holder net unrealized profit/loss (LTH-NUPL) indicates that after defending a local bottom near $1.85, XRP has reset to levels historically associated with the accumulation phase. Today’s price forecast suggests that reclaiming the psychological $2.00 level could lead to a breakout above $4.00.

LTH-NUPL measures the overall profit and loss of long-term holders (holding over 155 days). When this indicator is high, it suggests long-term holders are generally profitable and may take profits, creating selling pressure. When it resets to lower levels, it indicates unrealized profits have diminished, selling pressure eases, and the market enters an accumulation phase. This phase often precedes a bull run, as smart money begins accumulating at relatively low prices.

The reset of XRP’s LTH-NUPL shows that after previous sell-offs and price adjustments, long-term holders’ profit margins have been significantly compressed. In this state, their motivation to sell diminishes, and they may even increase holdings. Historical data shows that when LTH-NUPL is in the accumulation zone, it’s an optimal time for medium- to long-term building positions.

Why is the $1.85 support so critical? This level is not only a technical support but also the price anchor for the LTH-NUPL reset. Holding above $1.85 means the market has fully digested prior selling pressure, and long-term holders’ cost basis has been redistributed, creating a healthy foundation for the next rally. Falling below $1.85 could invalidate the accumulation phase and require reassessment of the market structure.

Three Key Features of the Accumulation Phase in LTH-NUPL

· Significant reduction in unrealized profits for long-term holders, decreasing selling motivation

· Price stabilizes at key support, forming a local bottom

· Smart money begins re-accumulating, preparing for the next upward move

Monica Long Predicts 2026 as XRP Breakout Year

(Source: Flagship Advisory Partners)

Ripple CEO Monica Long recently forecasted that 2026 will be a big year for XRP, as banks, enterprises, and service providers experiment with stablecoins like RLUSD, on-chain assets, crypto custody, and broader institutional investments, enhancing real-world utility. “Cryptocurrencies are no longer speculative—they are becoming the operational layer of modern finance,” Long said.

She predicts that about 50% of the Fortune 500 will hold cryptocurrencies or develop formal digital asset treasury (DAT) strategies this year, actively holding tokenized assets, on-chain treasuries, stablecoins, and programmable financial instruments. If realized, this would mean the world’s top 250 companies become crypto asset holders. These Fortune 500 firms control trillions of dollars in assets and cash flows, so even a small allocation to crypto could generate huge demand.

Research shows that last year, B2B payments became the largest real-world application of stablecoins, with an annualized transaction volume of $76 billion. This represents significant growth from early 2023, when monthly B2B stablecoin transactions were less than $10 million. From less than $10 million monthly to an annualized $76 billion, this exponential growth demonstrates that stablecoins have found product-market fit in B2B payments.

Long believes that the opportunities brought by XRP and cryptocurrencies go far beyond faster settlement speeds. Currently, companies hold unprecedented amounts of idle operational capital—over $700 billion on the balance sheets of S&P 1500 companies alone, and more than €1.3 trillion in idle European funds. “By the end of 2026, digital assets on balance sheets will exceed $1 trillion, and about half of the Fortune 500 will have formal digital asset strategies,” Long summarized.

Key Predictions for 2026 by Monica Long

Fortune 500 Adoption Rate: 50% of companies will hold crypto or develop DAT strategies

Corporate Idle Funds: $700 billion (US) + €1.3 trillion (Europe) awaiting deployment

Total Digital Assets: Corporate balance sheets will exceed $1 trillion by end of 2026

B2B Payments Growth: From less than $10 million monthly to $76 billion annualized explosion

XRPL Transaction Volume Hits New High Amidst Bearish Investor Panic

Similarly, according to crypto analyst Paul Bennett, while “weak hands” are panicking and selling off, the XRP ledger (XRPL) is signaling a “bullish” outlook. Transaction activity on the XRP blockchain surged to a peak of 1.59 million transactions within 24 hours.

This divergence between on-chain activity and price performance is highly significant. Despite recent price declines of 13% due to geopolitical tensions, causing retail investors to panic, history shows that when transaction activity remains high during a price dip, it’s like a coiled spring ready to reverse impulsively.

What does a daily volume of 1.59 million transactions imply? It far exceeds XRP’s typical daily activity, indicating active network usage. High transaction volume combined with falling prices often signals large-scale capitulation and capitulation-driven capitulation. Weak hands (short-term holders, leveraged speculators) are selling in panic, while strong hands (institutions, long-term holders) are accumulating at low prices. This transfer of chips from weak to strong hands often precedes a trend reversal.

The retail “extreme panic” contrasted with institutional accumulation creates a classic bottoming pattern. When retail investors panic due to falling prices, it’s often the best time for institutions and professional traders to build positions. XRP’s current state aligns with this: retail selling, on-chain activity reaching new highs, suggesting major buyers are absorbing supply.

Technical Analysis: Breakout and Retest Building a Foundation for Upside

(Source: Trading View)

The XRP/USD daily chart shows a clear downtrend line that was previously respected, then a strong impulsive breakout indicating a shift in momentum. The subsequent retracement has held well so far, with XRP retesting the previous breakout zone around $1.90-2.00 and holding above it, indicating buyers are defending this level rather than surrendering.

Breaking the downtrend line is a key technical signal, suggesting the end of the bearish phase. However, the retest after breakout is crucial to confirm validity. If XRP can find support at $1.90-2.00 and push higher again, it will confirm the breakout and make the next rally more reliable.

Nonetheless, the chart also clearly shows that upside potential has not been fully unleashed. Multiple supply zones overlap above the current price, especially between roughly $2.30 and $2.70, where previous breakouts and large sell-offs occurred. These zones could act as resistance and potential profit-taking areas.

From the current perspective, as long as XRP remains above the retest zone of $1.90-2.00, the structure favors a gradual upward move, initially challenging resistance at $2.30-2.40. A daily close above this zone would strengthen bullish outlook and open the door to higher resistance around $2.60. The ultimate target of $4.00 remains distant but plausible amid institutional adoption and corporate capital deployment.

Key Technical Levels for XRP

Core Support: $1.85 (LTH-NUPL reset price anchor)

Retest Zone: $1.90-2.00 (breakout retest, support confirmation)

First Resistance: $2.30-2.40 (previous sell-off zone)

Second Resistance: $2.60 (higher supply zone)

Ultimate Target: $4.00 (long-term driven by institutional adoption)