XRP trades near $1.42 amid rising institutional ETF inflows and awaiting key U.S. crypto legislation.

XRP is holding steady around $1.42 with strong institutional ETF inflows totaling about $1.32 billion, despite declining retail participation indicated by an 80% drop in new on-chain addresses since December. The market awaits U.S. regulatory clarity, particularly the CLARITY Act, which could drive XRP's price higher toward $1.50–$1.70 if passed by the Senate by May 21, 2026. Meanwhile, XRP's blockchain is gaining traction with a cross-border settlement pilot involving major financial firms and expanding tokenized real-world assets, signaling growing institutional adoption. Without regulatory progress, XRP is likely to remain range-bound between $1.30 and $1.45 in the near term.