XRP stuck at $1.4 amid retail exit, but JPMorgan pilot signals institutional interest.

XRP has remained near $1.4 for weeks as retail participation dropped sharply since late 2024, with new daily addresses down over 80%. Despite this, institutional interest is rising, highlighted by JPMorgan, Ripple, and Mastercard completing a pilot transaction using the XRP Ledger for near-real-time cross-border settlements. Tokenized real-world assets on XRP exceed $2.43 billion, and regulatory clarity from the SEC and CFTC classifying XRP as a digital commodity has boosted institutional engagement. Technically, XRP faces resistance from a cluster of moving averages; a breakout above $1.40-$1.50 could lead to gains toward $1.70-$1.90, while a drop below $1.30 risks revisiting the $1 level.