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XRP extended losses after failing to hold above $1.450, tracking declines in Bitcoin and Ethereum. The token fell below $1.420 and $1.4150, then dropped under $1.40 before forming a low at $1.3816. Price now consolidates below $1.420 and the 100-hour Simple Moving Average as traders watch key resistance near $1.4620.
The decline pushed XRP into a short-term bearish zone. A minor rebound lifted the price above the 23.6% Fibonacci retracement level of the drop from $1.5120 to $1.3816. Still, momentum remains capped under key technical barriers.
According to a News BTC report, any recovery could face resistance near $1.4320. The first major hurdle stands near $1.450, which aligns with the 50% Fibonacci retracement level of the recent downward move.
Price action shows strong resistance at $1.4620. A key bearish trend line also forms near that level on the hourly XRP/USD chart. A close above $1.4620 could open the path toward $1.480.
Beyond that, the next hurdle sits at $1.50. If bulls clear that level, the price could test $1.5320 and then $1.550. The next major barrier stands near $1.5650. On the downside, immediate support appears near $1.3980. The next key level rests at $1.3850. If the price closes below $1.3850, XRP could decline toward $1.3620.
Further weakness may expose the $1.350 zone. Below that, sellers could drive the XRP price toward $1.320. Traders now monitor whether Ripple’s altcoin can reclaim resistance or extend its decline.
At the same time, XRP attracts institutional capital despite broader market caution. CoinShares reports that XRP leads crypto performance this year with about $150 million in fresh inflows. In contrast, Bitcoin and Ethereum have seen combined outflows of roughly $1.5 billion. This capital shift reflects active rotation into assets beyond BTC and ETH during unstable market conditions.
Market sentiment also mirrors that divergence. On Feb. 18, Santiment reported that bullish commentary on XRP reached a five-week high. Meanwhile, discussion around Bitcoin and Ethereum cooled.
Yet broader conditions remain challenging. Standard Chartered recently cut its end-2026 XRP target to $2.80 from $8.00 after February’s selloff. The bank’s digital assets research team warned of further declines across the asset class.
Even so, industry participants point to new usage catalysts tied to collateral and regulated trading infrastructure. Could these structural shifts outweigh short-term technical weakness?
Also Read: XRP Breakout Sparks Fresh Dominance Talk in Crypto Market
One key development centers on crypto lending. On Feb. 18, Coinbase added XRP, along with DOGE, ADA, and LTC, as eligible collateral for USDC loans up to $100,000.
Changes in collateral eligibility alter the incentive structure for holders. Payment use often drives high transaction volume, yet balances may not remain in wallets for long periods. Collateral use operates differently. When holders post XRP as collateral, they can borrow against it without selling their position. That structure can create stickier demand.
Borrowers who maintain open loans must preserve sufficient collateral levels. During volatility, they may add more XRP to avoid liquidation. This dynamic can influence market supply behavior.
Still, the same mechanism can amplify downside risk. If prices fall sharply, collateral values drop. Forced liquidations can then accelerate selling pressure during rapid market moves.
XRP fell below $1.40 after failing to hold $1.45, and it now trades under $1.42 and the 100-hour SMA. Resistance stands near $1.4620, while support sits around $1.3980 and $1.3850. Even so, institutional inflows rose, and Coinbase added XRP as collateral for USDC loans.
