XRP Network Activity Low: Price Holds Near $1.10 as Activity Falls

XRP News Today: Price Holding Near $1.10 After MiCA News Fades

In today's XRP news, the token is trading close to $1.10. That is barely moved from where it sat before Ripple's big regulatory win in Europe. 

This XRP price prediction 2026 looks at why the token has gone quiet, with XRP network activity low as active wallets and new wallet creation fall to some of the weakest levels of the year. 

The analysis also examines what these on-chain signals mean for $XRP's price and which key levels could matter next.

Daily active wallets recently fell to 25,350, one of theweakest readings of 2026, even as Ripple secured a major MiCA license inEurope.

This XRP news price prediction looks at whether weak network activity,mixed ETF flows, and the latest regulatory developments could influence thenext move. The short answer is simple: traders got the good news, then they sold it.

XRP News Price Prediction: Key Takeaways

Why Didn't Ripple's MiCA License Push XRP Higher?

Ripple secured a full MiCA Crypto-Asset Service Provider license from Luxembourg's CSSF on July 6, 2026. This piece of news came just days after the EU's MiCA transition period ended, letting Ripple offer regulated crypto services across all 30 countries in the European Economic Area.

It is a real milestone. Ripple now holds more than 75 regulatory licenses worldwide, and it beat out several rivals who scaled back their European plans instead.

But the altcoin did not rally on the news. The token actually slipped from around $1.18 down toward the $1.05 to $1.14 range in the days after the announcement.

That pattern has a name. Traders call it "sell the news." The market had already priced in the license during $XRP's climb through late June and early July. Once the announcement landed, some holders took profit instead of buying more.

XRP Network Activity Low: What Does It Mean?

Price is not the only story here. $XRP network activity low has become one of the keysignals traders are watching as the token struggles to build momentum.

As per Sentiment data, daily activewallets recently fell to 25,350, the second-lowest reading in 2026. New walletcreation dropped to 2,130, the weakest pace since November 2024.

Fewer new wallets and active addresses suggest reduced networkparticipation, which can align with a market waiting for a fresh catalyst.

Traders should alsowatch payment counts and transaction activity to determine whether this is a temporarytrough or a broader slowdown.

Past activity lows donot guarantee a price rebound, but a sustained recovery in wallets and paymentscould strengthen the bullish case.

Growth in Ripple's RLUSD stablecoin, tokenized assets, EVM sidechainexpansion, and lending tools could also help bring users back on-chain.

XRP Price Prediction: Key Levels to Watch

Analyst EGRAG CRYPTO has mapped out a long-term structure using a chart that stretches back to 2013. It frames the current price zone as part of a much bigger accumulation phase.

Analyst views remain divided. Standard Chartered has previously cited a $2.80 $XRP price target, while EGRAG CRYPTO's longer-term cycle scenarios have pointed toward substantially higher levels. These are analyst scenarios, not guaranteed outcomes.

For abroader $XRP forecast, traders can also monitor $XRP RSI, moving averages, Fibonacci levels, and $XRP trading volume alongside support and resistance.

These indicators can help confirm whether a breakout has real momentum or is only a short-term move.

The idea behind this XRP news priceprediction is not about calling a top or bottom this week. Traders tracking XRP support and resistance levels should focus on whether the altcoin holds its band or breaks it.

Ifthe $0.85 to $1.10 zone holds, the bottoming structuremany chart watchers point to stays intact. A close below $1.05 would be anearly caution sign, and a drop under $0.96 would raise more concern.

Bearish Analysts Warn of Downside to $0.29

Not every analyst is upbeat. Finance Magnates' Damian Chmiel has warned the altcoin could fall toward $0.67, then $0.47, and potentially $0.29 if the token loses the $1 level for good.

Chmiel argues the recent weakness reflects broader market liquidity conditions rather than anything specific to XRP or Ripple's business news.

Other analysts remain more hopeful, pointing to XRP's role in cross-border payments and tokenization, butthey also expect any recovery to take time.

Does the SWIFT Pilot Actually Help XRP?

There is also fresh news around Ripple's ties to SWIFT. Ripple Treasury has been expanding its enterprise payments partnership with SWIFT, feeding into a new pilot program.

SWIFT confirmed on July 9 that its blockchain-based shared ledger is ready for initial use. Seventeen banks across six continents are involved, including Standard Chartered and UBS, both of which already have ties to Ripple.

But the pilot is not built around $XRP. It runs on tokenized bank deposits, digital versions of money banks already hold.

Tokenized deposits handle the bridging and liquidity function here. XRP's role would be limited to covering small network fees, a long way from the "bridge currency" story that has fueled bullish price predictions for years.

Standard Chartered and UBSalready have ties to Ripple's payment infrastructure, but SWIFT's messaginglayer does not require banks to use XRP.

Ripple's broader enterpriseexpansion shows traction, although whether that translates into direct XRPdemand remains uncertain.

What Are ETF Flows Saying About $XRP Right Now?

Institutional positioning has been mixed. Spot XRP ETFs pulled in strong money for much of the summer, including an eight-week inflow streak that pushed cumulative net inflows past $1.49 billion by early July, according to SoSoValue.

But the size of that buying has mattered more than the streak itself. Weekly inflows have often run in the $10 million to $20 million range, well below the $300 million or more that analysts say would be needed to move a coin $XRP's size.

That backdrop makes the July 8 pullback notable. SoSoValue data showed spot $XRP ETFs recorded $7.29 million in net outflows that day, the largest single-day withdrawal since March 2026, right after Ripple's MiCA license news broke.

Flows bounced back quickly, though. By July 10, SoSoValue data showed daily net inflows of $107.38K, a sign that buyers stepped back in after the brief pullback.

It is a reminder that headlines about banks and licenses do not always translate into fresh buying right away. Some institutional investors trimmed exposure even as XRP tried to hold above the $1 level, showing that steady accumulation can pause and then resume as sentiment shifts.

Flows have since turned positive again. SoSoValue data shows a daily net inflow of $107.38K as of July 10, suggesting some buyers stepped back in after the pullback, though the amount remains modest next to earlier weeks.

What's the Next Catalyst for XRP Price?

The MiCA license itself may not be the trigger. Most of Ripple's European payment volume today still settles in RLUSD or regular currency, not XRP directly.

The bigger catalyst traders are watching is the U.S. CLARITY Act, a crypto market structure bill that slipped past its original July deadline and is now expected for a vote before the August recess.

Until a fresh catalyst lands, $XRP may keep drifting inside its current range, with the $0.85 to $1.20 band as the line in the sand.

Disclaimer

This article is for informational purposes only and does not constitute financial, investment, or trading advice. Cryptocurrency markets are volatile and largely unregulated. Always do your own research and consult a licensed financial advisor before making investment decisions. Past performance and chart-based targets, including any figures referenced from third-party analysts, are not guarantees of future results.