The post Why XRP Could Be More Important Than Anyone Realised: DTCC, Mastercard and DBS Explained appeared first on Coinpedia Fintech News

XRP is trading at $1.43, up 3.31% today. Bitcoin is at $72,535 and Ethereum sits at $2,131. The market is having a good Friday. But the price action today is almost a distraction from something much bigger that has been quietly building in the background, and almost nobody in retail is paying attention to it.

The Swift Story Was Too Small

One expert said that for years the entire XRP thesis rested on one idea: Ripple replaces Swift, banks adopt XRP, cross-border payments explode and holders get rich. It was a clean narrative. It was also the wrong one.

Not because XRP failed. But because the world moved on to much larger problems. While retail investors were still debating Swift, the global financial system began rebuilding itself from the inside. Corporate treasury operations, institutional settlement infrastructure, and tokenised capital markets emerged as the real battleground. And the demand for instant liquidity networks exploded, not from remittances, but from boardrooms.

CFOs at major corporations are now asking a question that would have sounded absurd five years ago: why are we still moving money like it is 1995? The answer is driving them toward digital asset rails that offer instant settlement, 24/7 liquidity, programmable payments, and global interoperability. Networks like the XRP Ledger.

The Numbers That Change Everything

Here is the number that reframes the entire XRP story.

CLS, the Continuous Linked Settlement system used daily by JP Morgan, HSBC, Deutsche Bank, and virtually every major global bank, processes $1.5 quadrillion in foreign exchange settlement annually. That is $1,500 trillion moving through a single system every year.

Ripple Prime, its institutional settlement platform, currently processes roughly $3 trillion annually. CLS handles 500 times more volume. But CLS did not start as a quadrillion-dollar system either. It started as infrastructure solving one problem: settlement risk in foreign exchange markets. Over time, every major bank connected to it.

The question is whether digital assets are about to follow the same path.

Three Institutions That Signal What Is Coming

DBS Bank, one of Asia’s largest and repeatedly named the world’s best bank, has been working with Ripple to build blockchain infrastructure for cross-border settlement. The goal is not just faster payments. It is interconnected financial networks, different ledgers, different assets, different rails, all linked through interoperable infrastructure.

Mastercard just launched its Crypto Partner Program and added Mountain and Treasury to its ecosystem. Mountain and Treasury builds the backend systems companies use to move money: vendor payments, treasury automation, liquidity management. Combined with Mastercard’s three billion cards and 95% global merchant reach, that is a direct bridge between traditional finance and digital asset rails, built into existing global payment infrastructure.

The DTCC, the Depository Trust and Clearing Corporation, which processes the majority of US stock, bond, and derivative transactions, has announced plans to tokenise its platform in the second half of 2026. That is less than four months away. And a DTCC patent describing cross-ledger liquidity frameworks specifically references XRP and XLM as liquidity tokens. If tokenised asset networks require liquidity bridges between them, that is precisely the role XRP was designed to fill.

The post Bitcoin Price Prediction: Is $100K The Next Big Target? appeared first on Coinpedia Fintech News

Bitcoin is pushing higher after clearing a resistance level, but one analyst is pumping the brakes before calling it a confirmed rally. 

The analyst’s core position has not shifted in weeks. Bitcoin is currently in a counter-trend bounce, meaning it is moving against the dominant direction of the market rather than with it. 

Counter-trend moves can look and feel like real bull runs. They can be sharp, convincing, and even reach new all-time highs in extreme cases. But they do not signal the larger correction is over. 

The One Level That Decides Everything

The number every Bitcoin trader needs to know right now is $74,460.

Bitcoin has not broken above it yet. Until it does, the range trade remains intact and the rally remains unconfirmed. A clean break and hold above $74,460 would shift the probability meaningfully toward higher targets. Below it, the sideways grind that has frustrated the market for weeks simply continues.

Three Scenarios on the Table

Path 1: Bitcoin stalls near $74,400, shows weakness, and revisits lower range support before attempting another push higher. The counter-trend move extends and drags on further.

Path 2 (Faster): The bottom was already set on February 24. Bitcoin pushes directly toward $78,500, provided the swing low at $69,360 holds. Losing that level invalidates this path immediately.

Path 3 (Bear case): Range support breaks and Bitcoin drops toward $55,000 to $56,000. The analyst considers this unlikely right now but refuses to dismiss it entirely.

If bulls clear $74,460 decisively, the broader target zone opens up between $86,600 and $94,436, with a new all-time high possible in an extreme scenario.

The Signal Nobody Is Watching

The most telling observation has nothing to do with price. Crypto influencers, community leaders, and prominent traders have quietly stopped talking about Bitcoin. Attention has shifted to gold, silver, and oil. The noise has gone silent.

That kind of mass disengagement historically happens near turning points, not midway through trends. Markets tend to move when the fewest people are watching.

Everything comes back to $74,460. That is the line. Until it breaks, nothing is confirmed.

The post Pi Network Goes Live on Kraken: Everything You Need to Know on March 13 appeared first on Coinpedia Fintech News

After six years of mobile mining, a bruising 95% crash from its all-time high, and weeks of speculation, Pi Network is officially trading on Kraken today. For a community that has waited longer than almost any other in crypto, the day has arrived.

Kraken wrote, “@PiCoreTeam is a Layer-1 ecosystem of Pi apps and utilities where users mine PI from their phones, with developer tools for building useful Web3 applications and deploying them to tens of millions of Pi users globally.”

Now live: $PI@PiCoreTeam is a Layer-1 ecosystem of Pi apps and utilities where users mine PI from their phones, with developer tools for building useful Web3 applications and deploying them to tens of millions of Pi users globally.

Trade now → https://t.co/sncSsMhRi3 pic.twitter.com/iK0nYe2GcS

— Kraken Listings (@krakenlistings) March 13, 2026

PI is changing hands at around $0.27 at the time of writing, up over 8% in the past 24 hours. The market cap sits at $2.6 billion, with just over 9 billion tokens currently in circulation out of a hard-capped maximum supply of 100 billion. Daily volume is running high and climbing as Kraken’s order books open to US traders for the first time.

Why Kraken Changes Things

Every exchange that listed PI before today operated outside the United States. Kraken is different. It is one of the most trusted regulated crypto platforms in the country, connected to the US banking system, and used by millions of American investors who simply had no compliant way to access PI before now.

That is the real significance of today. It is not just another listing. It is the first time PI becomes genuinely accessible to the world’s largest retail investment market, with the regulatory credibility to back it up.

What to Watch Today

The level to hold is $0.20. A clean break and hold above it opens the path toward $0.25 to $0.35 in the near term. Analysts have flagged $0.50 to $0.75 as possible targets if Pi Day announcements on March 14 deliver meaningful ecosystem news around the DEX and AMM launch.

On the downside, $0.175, the 24-hour low, is the immediate support to watch. A drop back below it would signal that selling pressure from long-term miners is outweighing new Kraken demand.

The post Why is Crypto Market Going Up Today: Bitcoin, Ethereum and XRP Prices Rally appeared first on Coinpedia Fintech News

Crypto is having one of its best days in weeks. Bitcoin has pushed above $73,000, Ethereum has cleared $2,180, and the total crypto market has added $90 billion in value in the past 15 hours alone. Here is what is actually driving it.

The Numbers First

• Bitcoin: Up 4.80% to $72,867, adding $60 billion to its market cap in 15 hours
• Ethereum: Up 6.11% to $2,170, adding $15.2 billion to its market cap
• XRP: Up 4.66% to $1.43, with $3.3 billion in daily volume
• Solana: Up 6.94% to $91.61
• Dogecoin: Up 5.20% to $0.098
• Total market cap: $2.49 trillion, up 4.82%
• Short liquidations: Nearly $200 million wiped out in 15 hours

The Fear and Greed Index sits at 37, still in fear territory, which tells you this rally is happening while most of the market remains cautious. That is often when the sharpest moves occur.

What Actually Triggered the Move

Three macro data prints dropped today and the market liked what it saw, at least partially.

Inflation cooling. The PCE Price Index, the Federal Reserve’s preferred inflation gauge, came in at 2.8% against expectations of 2.9%. Lower than expected inflation reduces pressure on the Fed to keep interest rates elevated, which is historically good for risk assets including crypto.

Jobs market holding up. JOLTS Job Openings came in at 6,946,000 against expectations of 6,700,000. A stronger jobs market signals economic resilience, which reduces fears of a hard recession that would drag crypto down alongside everything else.

GDP slowing but not crashing. US Q4 GDP came in at 0.7% against expectations of 1.4%. Growth is slowing, which adds to the case for the Fed to ease monetary conditions sooner rather than later.

Put those three together and the market read a clear message: inflation is easing, the economy is not collapsing, and rate cuts may be back on the table. That combination is fuel for crypto.

The Short Squeeze Effect

Nearly $200 million in short positions were liquidated as prices moved higher. When traders who bet against the market are forced to close their positions, they have to buy back the assets they shorted, which adds upward pressure on top of the organic buying already happening. This is called a short squeeze and it accelerates moves that are already in motion.

The result was a fast, clean run higher across the entire market rather than a slow grind, which is exactly what short liquidation events look like in practice.

Where Things Stand Now

The Altcoin Season Index sits at 40 out of 100, leaning toward Bitcoin dominance but showing altcoins beginning to participate more actively. The average crypto RSI is at 61.17, approaching overbought territory but not there yet, which shows there is still room to move before the market needs to cool off.

The important level for Bitcoin is holding above $72,000. If it can close the day above that, the path toward $75,000 and beyond opens up.

The post The 37-Year Plan: Is XRP the Global Currency the IMF Never Finished Building? appeared first on Coinpedia Fintech News

In 1988, a magazine published a striking cover: a phoenix rising from a pile of burning national currencies. The accompanying article predicted that by around 2018, the world would be using a single global reserve currency, one that would eliminate exchange rate chaos, simplify cross-border trade, and be overseen by the International Monetary Fund.

Most people saw the image and moved on. A growing number of XRP researchers and analyst Jesse believe it was a blueprint.

The theory starts with a simple observation. The IMF has been trying to solve the same problem since 1969, when it created the Special Drawing Right, a synthetic reserve asset designed to give the global financial system a neutral unit of liquidity that no single country controlled. It never achieved mass adoption. The SDR remained locked inside the banking system, invisible to businesses and ordinary people, too limited to serve as the liquidity layer the world actually needed.

Then Ripple appeared. And the parallels are difficult to ignore.

XRP was built precisely to solve what the SDR could not: instant cross-border settlement, open to any institution or individual, without dependence on correspondent banking or national currency pairs. Where the SDR served only central banks, XRP is accessible to everyone. Where the SDR moved slowly through bureaucratic channels, XRP settles in three seconds.

The IMF’s own internal documents have since described a concept called the XC Platform, a proposed cross-border settlement layer built around central bank digital currencies. XC. Two letters. The same two letters that begin XRP and CBDC.

Coincidence or architecture?

Ripple itself holds around 50 billion XRP in escrow, an arrangement that one of the company’s own executives once described as potentially transferable to an institution acting as a lender of last resort. There is only one institution on earth that holds that title: the IMF.

None of this is confirmed. Ripple has never publicly claimed an IMF connection, and the IMF has made no formal announcement regarding XRP.

But the question gaining traction is not whether this was planned. It is whether the pieces have been assembling in plain sight for nearly four decades, and most people simply were not looking at the whole picture.

The phoenix on that 1988 cover had a year printed on its coin: 2018. XRP began gaining institutional traction in 2018.

The post Top Analyst Reveals What’s Next for Bitcoin, Ethereum and XRP Prices appeared first on Coinpedia Fintech News

Gareth Soloway, chief market strategist at VerifiedInvesting.com, is staying bullish on Bitcoin, Ethereum, and XRP despite recent volatility, and he says the charts are giving him a clear roadmap for what comes next.

Bitcoin: $80,000 to $85,000 in Sight

Soloway says Bitcoin is forming a classic bullish consolidation pattern. The key signal he is watching is an inside bar formation off a strong green reversal candle. As long as Bitcoin does not post a daily close below that candle’s low, the bullish structure remains fully intact.

Bitcoin recently pushed above a key trend line but failed to confirm the breakout, which Soloway says was not a bearish signal. In his framework, confirmation requires a follow-through close, not just a single push above resistance. Without confirmation, the move simply becomes part of the ongoing pattern.

With Bitcoin trading around $70,000, Soloway is now watching for a confirmed breakout. If it happens, his upside target zone sits at $80,000 to $85,000, roughly $8,500 to $13,500 from current levels.

Ethereum: Break Above $2,150 Opens the Door to $2,700

Ethereum is showing the same pattern structure as Bitcoin, a bullish flag forming inside a green reversal candle range with no daily close below support. Soloway says the level to watch is $2,150. A confirmed break above that triggers a move toward the $2,600 to $2,700 target zone.

XRP: Target Zone of $1.77 to $1.90

XRP is also setting up similarly, with a clean green reversal candle and inside bar action. Soloway’s upside target sits between $1.77 and $1.90, where a downward-sloping trend line and prior resistance converge.

His core message is simple: ignore the noise, follow the charts, and trade probability not emotion.

The post What Is Ethereum Really For? Vitalik Buterin Finally Has a Clear Answer appeared first on Coinpedia Fintech News

Vitalik Buterin walked into a cryptography conference expecting to find use cases for Ethereum. He walked out having questioned whether that was even the right way to think about it.

In a post on X today, the Ethereum co-founder described attending Real World Crypto, a conference focused on cryptography rather than cryptocurrency, as a clarifying experience. The people in the room shared values around privacy, open-source software, and censorship resistance. But they carried none of the assumptions that typically come with being inside the crypto bubble.

So Buterin tried an experiment. He asked himself: if you strip away all loyalty to Ethereum, all community identity, all existing narratives, and simply ask what this technology is genuinely useful for, what answer do you get?

The answer surprised even him.

Not Smart Contracts. Not DeFi. A Bulletin Board.

The most fundamental use case for Ethereum, Buterin now argues, is something cryptographers have needed for decades: a public bulletin board.

The concept is simple but critical. Many secure systems, including online voting protocols, software version control, and certificate revocation, all need somewhere to post data publicly that anyone can read and no one can quietly delete or alter. They do not need complex computation. They do not strictly need money changing hands. What they need, at the most basic level, is reliable data availability with no single point of control.

That is exactly what a blockchain provides. And it is a need that predates crypto entirely.

The timing of this realisation matters. Ethereum recently completed an upgrade called PeerDAS, which increased the network’s data availability capacity by 2.3x, with a roadmap to scale it another 10 to 100 times higher. The infrastructure Buterin is describing is actively being built, at a time when fees on the network are at historic lows.

Payments Second, Smart Contracts Third

Buterin did not abandon the rest of Ethereum’s value stack. He reordered it.

Payments come second in his framework, and again the framing is practical rather than financial. If you are running a permissionless service, whether it is an API, a messaging app, or a data protocol, you face a spam problem the moment you make it free. ETH-denominated micropayments, particularly through zero-knowledge payment channels, solve this without requiring users to hand over a phone number or submit to identity verification. Payment as infrastructure, not payment as a product.

Smart contracts come third. And here Buterin made his most provocative admission: technically, for almost every application that does not directly involve ETH itself, smart contracts are just a convenience. You could build the same things using the chain purely as a bulletin board, handling computation off-chain through cryptographic proofs. But standardisation is hard, and the smart contract model solves the interoperability problem elegantly enough that it remains the right practical choice.

Global Shared Memory

Buterin’s final framing is the one likely to travel furthest. Stripped of all the financial complexity and ecosystem politics, Ethereum is, in his words, global shared memory.

A place where anything can be written, everything can be read, and nothing can be unilaterally erased. Not by a company. Not by a government. Not by Buterin himself.

Most of the internet does not work that way. It runs on servers owned by someone who can change their mind. Ethereum is the rare exception, and Buterin is now arguing that the world’s developers and builders have not fully grasped how useful that exception actually is.

The bulletin board has been there the whole time. The question is whether enough people will start using it for what it was always capable of.

The post Pi Network Kraken Listing Date Confirmed: Price History, Targets and What to Expect appeared first on Coinpedia Fintech News

It’s official. Kraken posted on X just this morning: “Trading starts March 13.” The Pi Network community erupted. After years of mobile mining, a delayed mainnet launch, and a bruising 93% drop from its all-time high, PI is about to land on one of the most reputable regulated exchanges in the United States, right on the eve of Pi Day 2026.

The announcement sent PI up nearly 2% within minutes, and the token has already staged a 33% rally over the past week as speculation reached fever pitch. But the question everyone is asking: what happens next? To answer that, we need to look at where PI has been.

The Full Price History: From $0 to $2.99 and Back

Pi Network spent six years in what it called an “enclosed mainnet.” Tokens mined, but not tradeable. When the Open Network finally launched on February 20, 2025, it was one of crypto’s most anticipated debuts, backed by over 60 million app users and 19 million KYC-verified “Pioneers.”

Feb 20, 2025 — Open Network Launch + OKX Listing PI opens at $1.47 on OKX, peaks at $2.10 the same day, then closes at ~$1.01. The floor price set by the Pi Core Team was $2.00, a symbolic psychological anchor that briefly held before selling pressure broke through.

Late Feb 2025 — All-Time High: $2.99 As Bitget and other exchanges followed OKX with listings, hype peaked. PI reached $2.99, briefly valuing the network at over $25 billion fully diluted. Then the sell pressure from years of accumulated miners finally cashing out began in earnest.

Mid–Late 2025 — The Long Unwind Heavy token unlocks, over 203 million PI in a single month, combined with limited real-world utility and no Binance or Coinbase listing drove PI steadily lower. By late 2025, price had collapsed more than 90% from its peak.

March 2026 — The Recovery Begins Protocol upgrades (v19.9 completed March 8), the Pi DEX launch on March 12 via v20.2, and intensifying Kraken listing rumours ignited a 33% weekly rally, pushing PI back toward $0.23 and breaking above its 50-day SMA for the first time in months.

What Happened When OKX Listed PI

The OKX listing is the closest historical comparison we have for what might happen on Kraken tomorrow, and it’s a cautionary tale wrapped in initial euphoria.

On launch day, PI initially surged roughly 10% above its $2 reference price within the first hours of trading. Within 24 hours, it had reversed violently, dropping 21% as early miners rushed to sell. Some had been sitting on coins for years at near-zero cost basis. The pattern was textbook: listing day hype, followed by a wave of supply from long-term holders seeking liquidity for the first time.

Why the Kraken Listing Is Different This Time

Kraken isn’t just another exchange. It carries specific significance for PI that OKX, Bitget, and MEXC did not, for two reasons.

1. It’s the First Regulated US Venue for PI Spot Trading Kraken operates under US financial regulation and recently gained access to the Federal Reserve’s payment infrastructure, giving it a level of institutional credibility that offshore exchanges simply don’t have. For US-based investors who have been locked out of PI trading, this is the first accessible, compliant on-ramp.

2. It’s a Signal to Binance and Coinbase Historically, Binance watches major Western exchange listings closely. A successful Kraken debut for PI, with strong volume and no immediate collapse, could be the nudge that finally moves Binance off the sidelines. A Binance listing remains the single most important potential catalyst left for PI in 2026.

Crypto analyst Dr. Altcoin has publicly said PI could reach $0.50–$0.75 by Pi Day (March 14) driven by the v20.2 protocol completion and Kraken. That means a roughly 2–3x move from current levels in under 48 hours, aggressive but not impossible given PI’s history of violent short-term swings.

The post Why Goldman Sachs Owning the XRP ETF Is Not the Bullish Signal Most People Think It Is appeared first on Coinpedia Fintech News

Goldman Sachs appearing on the holder list of the newly launched XRP and Solana ETFs sent a ripple of excitement through crypto markets last week. A Wall Street giant owning a spot XRP ETF felt, to many, like a coronation. Bloomberg ETF analyst James Seyffart has a more sobering read of the situation — and it is worth hearing.

The Headline That Got Everyone Talking

When regulatory filings revealed Goldman Sachs had taken positions in spot ETFs tracking XRP and Solana, alongside its already known holdings in Bitcoin and Ethereum ETFs, the reaction was immediate. For a community that has spent years waiting for traditional finance to take crypto seriously, seeing one of Wall Street’s most prestigious names on an XRP ETF holder list felt like validation at the highest level.

The story spread fast. The interpretation was almost universally bullish. Goldman is in. Institutions have arrived. XRP is legitimate.

Seyffart’s view is more complicated.

What Goldman’s Position Actually Means

“I wouldn’t ascribe too much to seeing a name like that at the top of the holders list,” Seyffart said when asked about the filings. Goldman sits at the top of the Bitcoin and Ethereum ETF holder lists too, he noted, and nobody reads those positions as a long-term directional bet on crypto.

The more likely explanation, according to Seyffart, is that the bulk of Goldman’s ETF exposure originates from its trading desk rather than from a conviction investment. Basis trading, market making, and facilitating client orders from high-net-worth individuals are all plausible explanations for the position. None of them represent Goldman making a strategic decision to back XRP as an asset.

Millennium Management, the second largest holder of the XRP ETF, sits in a similar category. Large financial institutions appear at the top of these lists not necessarily because they believe in the underlying asset, but because trading these instruments is simply part of what they do.

Where the Genuine Conviction Actually Lives

Seyffart drew a distinction when looking at the Solana ETFs, where a handful of dedicated crypto hedge funds lead the holder rankings. Those positions, he suggested, are far more likely to represent genuine long-term conviction. Several of those funds probably helped seed the ETFs in the first place by contributing their own Solana holdings, which means their appearance on the list does not even represent net new buying of the asset.

The same logic applies across the board. When an institution converts existing XRP or Solana exposure into an ETF wrapper, it is not adding to demand for the underlying token. It is simply changing the vehicle through which it holds an existing position. On a net basis, the market impact can be close to zero.

The Uncomfortable Truth

The crypto market has a habit of reading institutional ETF filings as endorsements. Goldman’s name on an XRP ETF holder list is genuinely important, and there may well be some client money in there that is straightforwardly long the asset. But the more mundane reality, according to one of the most respected ETF analysts in the business, is that Wall Street’s presence in these products says far less about institutional conviction in XRP than the headlines suggest.

The post Millions Are Tracking XRP’s Price Daily: Ripple CTO Says They Are Looking at the Wrong Thing appeared first on Coinpedia Fintech News

The conversation around XRP is once again shifting toward its underlying technology rather than just price action. Breaking the notion, David Schwartz, also known as JoelKatz, the CTO of Ripple, said that the future of XRP may be widely misunderstood. 

Speaking at XRP Australia 2026, Schwartz addressed what he believes is the biggest misconception about XRP heading into the next crypto cycle: many people still think the asset’s value comes only from the XRP Ledger itself.

Misconception #1: XRP Is Only the XRP Ledger

Schwartz explained that focusing only on the ledger misses the bigger picture of how XRP actually functions in the broader financial ecosystem. According to him, most XRP activity takes place outside the blockchain.

“Don’t forget XRP is not just the XRP Ledger. The vast majority of XRP activity takes place off the ledger,” he said.

He pointed out that trading on exchanges, liquidity provision, ETF exposure, and speculation are currently the biggest drivers of XRP’s value. While these factors may not sound technologically groundbreaking, Schwartz emphasized that they still represent real economic activity for users and investors.

To explain the misunderstanding, he compared XRP to traditional currency. “If you think of XRP as just the XRP Ledger, that’s like thinking about the dollar as just paper dollars,” he said, noting that the system surrounding the asset is far larger than the technology itself.

Misconception #2: No Real World Utility

While off-chain activity dominates today, Schwartz believes the next phase for XRP will increasingly involve on-chain financial tools built directly on the XRP Ledger.

He expects the ecosystem to expand into areas such as decentralized exchanges, liquidity infrastructure, tokenized equity markets, and lending solutions.

“You’re going to see liquidity, DEX, and tools that solve real financial problems,” Schwartz said, adding that bringing more activity onto the blockchain could make the system far more transformative.

• Also Read :
•   XRP Jumps 253 Spots on the Chart That Smart Money Watches 
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Misconception #3: XRP Is Only Focused on Institutions

Another misconception, according to Schwartz, is that XRP’s goal is limited to institutional adoption. He argued that institutions are only the starting point.

“Institutional adoption is not the end goal… It’s going to pave the way for mass retail adoption,” he stated.

Schwartz compared the process to the early days of the internet, where enterprise and government use came first before the technology expanded to everyday consumers.

In the long run, he says XRP’s mission is far broader, helping reshape the entire global financial system, not just institutional finance.