Ripple Raises Institutional Hopes with Aviva Investors Tie-Up on XRPL

The wider crypto market is under downward pressure as traders temper expectations for imminent Federal Reserve rate cuts. XRP has followed the broader weakness, trading around $1.36, well below its recent peaks. Yet Ripple has announced a strategic move that could alter the long-run trajectory of the asset in institutional finance.

Central to the latest development is a new collaboration with Aviva Investors, the asset management arm of the major UK insurer Aviva. Confirmed during the XRP Community Day, the partnership targets the tokenization of Real World Assets (RWAs) directly on the XRP Ledger (XRPL). The move reinforces Ripple?s ambition to position the blockchain as more than a payments layer, aiming instead to serve as a foundational platform for institutional finance. By using the XRPL for settlement, traditional financial institutions could see faster and more cost-efficient processing.

Institutional capital remains resilient amid broader trends

A notable trend is the split between price action and institutional interest. While Bitcoin-linked ETFs have faced outflows amid strong US payroll data, XRP-focused products have demonstrated unusual resilience. Data from early February show cumulative net inflows of roughly $1.23 billion into XRP spot ETFs since their inception. Even on days marked by negative market sentiment, XRP vehicles tended to attract funds. This behavior suggests that professional investors are increasingly differentiating XRP from the broader crypto market, citing regulatory clarity and practical applicability as key drivers.

Technical stance and outlook

Ripple CEO Brad Garlinghouse reiterated XRP?s role as the ?North Star? of the company?s product lineup, while ruling out large-scale acquisitions before the second half of 2026. On the chart, the near-term setup remains constrained as the price trades below the 50- and 200-day moving averages.

Should investors sell immediately? Or is it worth buying XRP?

Short-term moves are likely to stay heavily influenced by macroeconomic developments and US monetary policy. The $1.00 level is viewed by analysts as a critical support zone. If market sentiment improves, the stronger fundamentals stemming from the Aviva partnership could underpin a medium-term target around $2.50.

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