XRP Faces First Annual Decline Since 2022 as Capital Pivots to Remittix

Capital's shifting—and XRP might be left holding the bag.

The Narrative Flip

For years, XRP positioned itself as the banker's crypto, the bridge asset for institutional cross-border payments. It worked, until it didn't. The regulatory fog that once seemed to lift has settled back in, creating a window for leaner, meaner protocols. Enter Remittix. It's not selling a 'better bank' story; it's selling a bypass. No legacy rails, no multi-day settlements, just open-source code moving value at the speed of the internet. That's the pitch that's starting to pull institutional eyeballs and, more importantly, wallets.

The Liquidity Migration

Money in crypto is famously fickle. It chases narratives, then yield, then narratives about yield. The Remittix surge isn't just retail FOMO. On-chain data points to smart money—hedge funds, crypto-native VCs, family offices—quietly building positions. They're not abandoning XRP entirely, but they're certainly not doubling down. The rotation is subtle but significant: a reallocation from the established, regulatory-tested play to the disruptive, unproven moonshot. It's a classic high-finance hedge—cover your downside with the old guard, chase your upside with the new.

What's Next for the Old Guard?

An annual decline for XRP wouldn't be a death knell. Far from it. The network has real utility, real partners, and a war chest most projects would kill for. But in crypto, perception is often a leading indicator. A down year signals that the market is looking for the next engine of growth, and right now, the spark seems to be coming from protocols like Remittix that promise to cut out the middleman entirely—even if that middleman is a blockchain that tried to partner with them. The irony isn't lost on anyone who remembers when 'partnership' was the most bullish word in a token's whitepaper. Now, the market rewards those who build, ship, and ignore the legacy playbook.

XRP Price Today Cools After A Powerful Start To 2026

XRP started 2026 with a surge that caught the market off guard. xrp price today pushed as high as $2.40 after a 25% weekly rally. That move fueled headlines and strong XRP news. This even led to CNBC calling XRP the hottest crypto trade of the year.

Yet after the early spike, momentum cooled. XRP has since pulled back toward key support zones, raising a new question for investors. Is this the start of XRP’s first annual decline since 2022 as capital looks elsewhere?

ETF data remains a major pillar of the bullish case. Spot XRP ETFs attracted nearly $100 million in early January, pushing cumulative inflows to $1.37 billion with no recorded outflow days.

This divergence stands out in Ripple news, especially as Bitcoin and ethereum ETFs saw heavy redemptions. Investors appear to view XRP as a less crowded trade, buying weakness rather than chasing price strength.

Still, the technical picture looks mixed. XRP price has struggled to stay above $2.40 and slipped below the 200-day EMA. This has now put $2.24 under pressure. Further pullback WOULD reopen downside targets at $1.91, $1.80, and even $1.25. On the positive side, resistance is close to $3.00, then $3.20, and $3.60.

Fundamentals remain strong. Exchange balances hit multi-year lows, network transactions jumped over 50%, and Ripple secured major partnerships in Japan while gaining conditional approval for a U.S. trust bank. Long-term XRP price prediction models still point as high as $8.00 by 2026 under aggressive ETF scenarios.

But with newer narratives like Remittix attracting fresh capital, the near-term Ripple price prediction depends on whether XRP can reclaim momentum or continue consolidating.

Remittix Emerges As The Best Crypto To Buy Now In Payments

As XRP faces questions about whether it could post its first annual decline since 2022, smart money is already moving. The rotation is not random. Investors are shifting toward projects that are delivering infrastructure, not narratives.

Remittix sits right at the center of that flow. While XRP remains a major name, its growth now depends heavily on ETFs and macro sentiment. Remittix is growing because users are actively using the product.

This is why many traders now describe Remittix as the best crypto to buy now in the payments category. It is building a full PayFi ecosystem that connects crypto directly to bank accounts, cutting through delays, hidden fees, and outdated rails.

Solana whales watching uncertainty around legacy chains are increasingly reallocating toward RTX because the adoption curve is already visible.

Why Remittix Is Gaining Traction

• End-to-end PayFi app enabling crypto-to-fiat payments, transfers, and settlements
• Fully audited and team-verified by CertiK and ranked #1 for pre-launch tokens
• BitMart confirmed as first CEX listing with LBank announced after crossing $22M
• Live iOS wallet with crypto-to-fiat platform launching February 9, 2026

Momentum keeps accelerating. Remittix has crossed $20M and $22M in funding, launched its wallet on the App Store, and is rolling out Android next. A very limited 200% bonus is currently live with only 5 million tokens allocated. On top of that, users earn 15% USDT instantly for every referral, paid directly to their wallet. This is no longer about future potential. It is an execution happening in real time.

Website: https://remittix.io/ 

Socials: https://linktr.ee/remittix 

FAQs

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