New York, Jan 22, 2026, 06:19 EST — Premarket
XRP climbed roughly 2.8% to $1.95 on Thursday, hitting a 24-hour peak close to $1.98 earlier, according to data. 1
This move is key as Ripple aims to expand its reach in payments and banking infrastructure. Traders, meanwhile, are hunting for signs that ecosystem activity is translating into consistent token demand.
Binance launched spot trading for RLUSD, Ripple’s U.S. dollar-pegged stablecoin, at 08:00 UTC Thursday. The exchange added RLUSD/USDT, RLUSD/U, and XRP/RLUSD pairs, waiving fees on the RLUSD/USDT and RLUSD/U pairs “until further notice.” 2
DXC Technology announced a new partnership with Ripple to embed Ripple’s custody and payments tech into DXC’s Hogan core banking platform. Hogan, DXC says, manages over $5 trillion in deposits across 300 million accounts worldwide. “Our work with Ripple brings those capabilities together,” said Sandeep Bhanote, DXC’s global head and GM for financial services. Ripple’s Joanie Xie added the collaboration will integrate “digital asset custody, RLUSD and payments” directly into core banking systems. 3
Ripple noted in a separate post that Binance’s listing currently covers Ethereum, while support for the XRP Ledger is “coming soon.” It added that RLUSD is fully backed 1:1 by U.S. dollar deposits, short-term U.S. Treasuries, and other cash equivalents, with attestations provided monthly. 4
XRP followed a generally firmer crypto market. Bitcoin gained roughly 1.7% to hover near $89,900, while ether edged up about 0.9%, reaching close to $3,000. 5
Macro factors remain a drag. Crypto has been moving like a high-beta risk asset for much of the month, with investors fixated on U.S. rate outlooks. A Reuters poll this week found most economists expect the Federal Reserve to keep its benchmark rate unchanged through Q1. 6
Headline risk swings both ways. Stablecoins aim to hover close to $1, yet it’s uncertain how fast volumes will grow past initial exchange-driven trades, or how much of that will turn into lasting demand for XRP itself.
Adoption remains another wildcard. Sure, partnerships and listings boost sentiment, but they don’t instantly translate into actual flows in banking networks or payment volumes. In crypto, that lag often kills rallies.
The Federal Reserve’s policy meeting on Jan. 27–28 is next on the calendar and stands as the crucial macro event shaping risk appetite through month-end. 7
