Ripple has unveiled a new treasury management platform designed for corporate clients, marking a significant strategic expansion even as its native XRP token faces continued market headwinds. Currently trading near $1.73, XRP remains approximately 53% below its cycle peak of $3.65, recorded in July 2025. This move raises questions about whether the company’s strategic pivot can counterbalance the prevailing selling pressure on the digital asset.
Institutional Focus and Strategic Partnerships Intensify
The launch of Ripple Treasury underscores the company’s deliberate shift toward regulated institutional finance, moving beyond its foundational crypto-centric business. This platform, which allows corporations to manage both traditional and digital assets within a unified system, is built upon the $1 billion acquisition of treasury software firm GTreasury in October 2025.
Ripple is concurrently expanding its institutional network through key collaborations. In late January, the company announced a partnership with Jeel, the innovation arm of Saudi Arabia’s Riyad Bank, aligning with the Kingdom’s Vision 2030 agenda. Earlier that month, a cooperation with DXC Technology was revealed, aiming to integrate blockchain technology into the Hogan Core Banking platform—a system that manages a staggering $5 trillion in deposits globally.
Platform Capabilities: Speed and Integration
The core proposition of Ripple Treasury lies in its ability to streamline global finance operations for corporate treasury teams. A central feature is the use of Ripple’s RLUSD stablecoin to facilitate cross-border fund movements, achieving settlement in three to five seconds. This stands in stark contrast to the traditional banking timeline of three to five business days for international wire transfers.
Key platform functionalities include:
* Seamless API integration into existing corporate treasury workflows
* Direct access to overnight repurchase (repo) markets and tokenized money market funds
* Connectivity to BlackRock’s USD Institutional Digital Liquidity (BUIDL) Fund
* Leveraging the infrastructure of Hidden Road, the prime brokerage firm Ripple acquired in 2025
Should investors sell immediately? Or is it worth buying XRP?
XRP Ledger Evolution and Market Dynamics
On-chain development continues in parallel. The XRP Ledger (XRPL) is preparing for several major protocol upgrades. Ripple engineer Mayukha Vadari urged developers on January 30, 2026, to review upcoming amendments and conduct testing on the development network.
This week saw the activation of multiple fix amendments, including fixTokenEscrowV1, which addresses booking errors related to MPT escrows. Another significant amendment, which would extend escrow functionality to IOUs and Multi-Purpose Tokens, has a potential activation date of February 12, 2026. The new XRPL version 3.1.0 is set to introduce Single Asset Vaults and a native lending protocol, enabling direct credit facilities on the ledger.
Market sentiment, however, has faced tests. On January 30, XRP experienced a sharp correction, declining roughly 6.7% amid a broader cryptocurrency market downturn. This move triggered the liquidation of over $70 million in futures positions, predominantly long contracts.
ETF Flows and Forthcoming Catalyst
The suite of spot XRP Exchange-Traded Funds (ETFs) launched in the United States in November 2025 has gathered approximately $1.3 billion in cumulative inflows. Canary Capital’s XRPC fund leads with around $346 million, followed by Bitwise’s XRP product holding $324 million. Despite these figures, investor demand notably trails that seen for spot Bitcoin and Ethereum ETFs.
The upcoming XRP Community Day on February 11, 2026, where CEO Brad Garlinghouse is scheduled to discuss XRP’s role in capital market infrastructure, presents a near-term catalyst. The coming weeks will reveal whether the confluence of protocol enhancements and the new treasury platform can stimulate institutional demand, as the XRP price technically tests the support zone around $1.80.
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