XRP Price: Wall Street Giants Are Backing Ripple — Now SoFi’s 13.7M Users Can Hold It Too

TLDR

• SoFi Bank has added XRP deposits, letting users manage XRP alongside BTC, ETH, and SOL in a regulated banking app
• SoFi supports 12 cryptocurrencies for deposit and 27 for trading on its OCC-regulated platform
• Real-world asset activity on the XRP Ledger has surged 875%, with tokenized value nearing $2.5 billion
• XRP is consolidating above $1.40, with resistance at $1.50–$1.55 and support at $1.30–$1.35
• Major institutions including BlackRock, Franklin Templeton, and Mastercard are showing interest in the XRP Ledger

XRP is getting attention from both traditional banks and major institutions, driven by real adoption moves rather than speculation. The latest development comes from SoFi Technologies, a nationally chartered U.S. bank regulated by the Office of the Comptroller of the Currency (OCC).

SoFi announced on April 21 that it now supports XRP deposits alongside Bitcoin, Ethereum, and Solana. Users can also trade XRP through the app, which already supports 27 cryptocurrencies for trading and 12 for direct deposit.

This makes SoFi one of the few nationally chartered U.S. banks where customers can buy, sell, hold, and deposit XRP — all within a single regulated app used for everyday banking tasks like paying bills and checking balances.

SoFi’s crypto rollout has been gradual. It launched SoFi Crypto in November, letting customers trade Bitcoin, Ethereum, and Solana from FDIC-insured accounts. In February, it became the first nationally chartered U.S. bank to support Solana deposits. The XRP addition follows that same step-by-step approach.

XRP Ledger Sees Institutional and Real-World Momentum

Beyond the SoFi news, the XRP Ledger is seeing broader traction. At the Digital Assets Forum 2026, World Bank FinTech specialist Odelia Torteman described the XRP Ledger as purpose-built for cross-asset, transparent payments.

Real-world asset activity on the ledger has surged 875%, with total tokenized value approaching $2.5 billion. A leading Japanese travel firm is also reportedly moving prepaid payment systems onto the ledger, targeting a domestic market worth ¥30 trillion.

Institutions including BlackRock, Franklin Templeton, and Mastercard have shown interest in the XRP Ledger. Ripple’s CEO has pointed to a $13 trillion payments opportunity through its Treasury platform.

XRP Price: Watching Key Levels

XRP is currently consolidating above $1.40, trading near its 50-day EMA, which has repeatedly limited upside. Volume is low, which often signals the market is waiting for a clear catalyst.

Support sits at $1.35, with a secondary floor at $1.30. Resistance is clustered at $1.50 and $1.55. A confirmed close above the 100-day EMA at $1.53 could open the door toward 21Shares’ year-end target of $2.69.

Macro analyst Dr. Jim Willie has projected a $3–$25 range if insolvent banks use XRP for settlement. Long-term projections from some analysts reach $27 by 2030, assuming full banking adoption.

As of April 21, XRP deposits are live on SoFi’s platform for its 13.7 million users.

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