TLDR
XRP (XRP) has pushed above 1.40 as new DeFi integrations broaden its use on both the XRP Ledger and external networks.
- XRP trades around 1.40 with roughly 2 percent daily and 3 percent weekly gains, a market cap near 85.8 billion and 24 hour volume around 3.7 billion.
- DeFi access is expanding through FXRP on Coinbases Base network and planned native lending and permissioned DEX features on the XRP Ledger.
- The upside case depends on successful rollout and security of these DeFi tools, while governance votes and large underwater holdings remain key risks to watch.
Deep Dive
1. Price Move Above 1.40
Market data shows XRP near 1.40, up about 1.92 percent over 24 hours and 2.77 percent over 7 days, with a market cap around 85.79 billion and 24 hour volume of 3.7 billion USD.
Recent reports noted XRP trading in the 1.35 to 1.42 range, with one update citing a nearly 4 percent daily move to 1.42 and volume up 16 percent after a core network upgrade and DeFi headlines.
Despite this breakout zone, XRP remains roughly two thirds below its prior all time high, so the move is meaningful for short term sentiment but not yet a full trend reversal.
The 1.40 level looks more like a test of resistance inside a broader recovery than the start of a runaway move.
2. How XRPs DeFi Access Is Expanding
On March 13, XRP gained access to Coinbases Base network via FXRP, an overcollateralized token pegged 1 to 1 to XRP that lets holders tap a 4.2 billion USD DeFi ecosystem for lending, yield farming and liquidity pools on Base. This is described in detail in a report on XRP now available for DeFi on Coinbases Base network.
On the native side, the XRP Ledger community is pushing XLS 66, a proposed on chain lending protocol that would add borrowing and yield on idle capital directly on XRPL, framed as a bid to become a DeFi lending powerhouse.
Ripple also published an institutional DeFi roadmap that includes a permissioned DEX, the XLS 65 and 66 lending stack, confidential transfers and smart escrows, positioning XRPL for tokenized assets and institutional flows.
XRPs narrative is shifting from primarily payments toward a broader role as collateral and liquidity in both institutional and open DeFi environments.
3. Risks, Governance And What To Watch
The XLS 66 lending protocol is not live yet. Validator support is still well below the 80 percent supermajority required for XRPL amendments, so governance progress is a critical next signal.
Recent XRPL node outages and a critical Batch amendment bug led to emergency fixes and the 3.1.2 hotfix release, which underlines how new features can introduce security risks if not carefully audited.
On the market side, analysis suggests a large share of XRP supply is still held at a loss, which can create sell pressure into rallies even as DeFi tools expand.
The constructive setup improves if you see 1) rising TVL and usage of FXRP and future XRPL lending, 2) stable network operations and 3) validator consensus moving toward activation thresholds.
Conclusion
XRPs move above 1.40 coincides with tangible progress on DeFi access, particularly FXRP on Base and planned native lending and DEX features on XRPL.
If these tools gain real usage without introducing new security issues, they could gradually shift XRP from a payments focused asset toward a more general purpose DeFi collateral, but governance hurdles and legacy holder overhang can still cap sustained upside.
CoinsKid.Com