SoFi Introduces Ripple XRP to 13.7 Million Banking Users: Is Mainstream Acceptance Aligning with Its Value?

Ripple (XRP) is currently priced at $1.45, reflecting a 1.00% increase over the past 24 hours, as a surge in institutional and banking adoption indicates that the asset’s fundamentals are advancing beyond its present chart position.

The more significant narrative lies not in the recent dip but in the developments occurring beneath the surface. SoFi Technologies, a federally chartered U.S. bank overseen by the OCC, revealed on April 21 that it now facilitates XRP deposits for its 13.7 million users.

This positions Ripple XRP alongside Bitcoin, Ethereum, and Solana within a single regulated application where users already manage routine banking tasks, bill payments, balance inquiries, and more.

Increased access to $XRP with @SoFi allows for broader participation, which is precisely how utility expands. https://t.co/IqxZGvM4cJ

— Ripple (@Ripple) April 21, 2026

Ripple directly commented on X: “Increased access to XRP with SoFi allows for broader participation, which is precisely how utility expands.” Meanwhile, activity related to the XRP Ledger RWA has surged by 875%, and institutions such as BlackRock are demonstrating heightened interest in this asset class. However, the technical landscape presents a more intricate scenario.

Can Ripple XRP Price Reach $2.80 Before the Next Resistance Level is Breached?

XRP is currently consolidating between $1.30 and $1.50 after a brief spike above $1.50 followed by a sharp retracement.

The 50-day moving average at $1.40 has transitioned to a support level, indicating a significant structural change. A bullish MACD crossover, the first in several months, is emerging from this shakeout.

Analysts describe it as a pressure-cooker setup, tightening more than previous consolidation phases, with energy accumulating beneath. The 24-hour trading volume increased by 86.8% to $5.9 billion at its peak before settling back to approximately $2.5 billion, which remains elevated compared to recent averages.

Source: Tradingview

A clear break above $1.57 would pave the way to $2.80, with some analysts aiming for $8 if momentum is sustained. Planned quantum-resistance upgrades for the XRP Ledger by 2028 add a layer of long-term credibility that bolsters the bullish argument. The adoption by SoFi and $55 million in XRP ETF inflows are providing a support base and maintaining the range through Q2.

The invalidation point is set at $1.30. A daily close below this level would disrupt the bullish structure and lead to a retest of sub-$1.00 levels that bears have been indicating.

The CLARITY Act remains an unpredictable factor. On-chain Ripple transfers continue to attract regulatory scrutiny, and any negative policy signals could compress the range rapidly. SoFi’s integration supports the narrative of institutional adoption, but the critical question is whether this catalyst is already reflected in the current price levels.

Bitcoin Hyper Targets Early-Mover Advantage as XRP Approaches Key Levels

XRP’s adoption narrative is substantial, but with an $87.5B market capitalization, the potential for upside requires considerable capital inflows to effect change.

Traders seeking asymmetric opportunities are shifting their focus toward earlier-stage infrastructure projects — and one presale is currently attracting significant capital.

Bitcoin Hyper ($HYPER) is establishing itself as the first-ever Bitcoin Layer 2 with Solana Virtual Machine (SVM) integration, offering smart contract execution that its team asserts outperforms Solana in latency tests.

The project directly addresses Bitcoin’s core challenges: slow transactions, high fees, and lack of programmability.

A Decentralized Canonical Bridge facilitates BTC transfers natively, maintaining Bitcoin’s security while enabling rapid, low-cost execution on top. The presale has raised $32,474,198.00 at a current price of $0.0136789, with staking rewards already active (specific APY undisclosed at this time).

This fundraising momentum, at this price level, indicates strong conviction. Presales involve considerable risk; there is no guarantee of liquidity and no certainty regarding the launch timeline.

Conduct research on Bitcoin Hyper before making any allocations.

The post SoFi Just Added Ripple XRP for 13.7 Million Banking Customers: Is Mainstream Adoption Finally Catching Up to the Price? appeared first on Cryptonews.