XRP at a Critical Juncture: Navigating the Stop-Loss Phase and the Path to Recovery

As of February 11, 2026, XRP finds itself in a precarious market position, entering what on-chain analysts term a "stop-loss" phase. Key metrics, notably the Spent Output Profit Ratio (SOPR), have turned negative for the first time since 2022, indicating that a significant portion of the holder base is currently selling at a loss. The 7-day Exponential Moving Average (EMA) of the SOPR has decisively fallen below the critical threshold of 1.0. This development is a stark contrast to the asset's performance in early 2025, when it reached a peak price. The current price of $1.44 represents a steep 12% decline over the past week alone, underscoring the prevailing bearish sentiment and selling pressure. This technical setup bears a concerning resemblance to the prolonged downturn experienced between September 2021 and May 2022. During that historic slump, the SOPR metric remained persistently below 1.0 for several months, reflecting sustained periods of loss realization across the network before a eventual recovery commenced. The recurrence of this pattern suggests the market is undergoing a similar phase of capitulation, where weaker hands are exiting their positions. For professional practitioners with a bullish long-term outlook on digital assets, such phases are often interpreted not purely as signals of distress, but as necessary market-clearing events. They can pave the way for a healthier foundation by flushing out excessive leverage and redistributing tokens to more conviction-driven holders. While the short-term outlook appears challenging, the historical precedent provides a framework for potential future movement. The eventual recovery from the 2021-2022 slump demonstrates that such stop-loss phases, while painful, are not permanent. The key for investors now is to monitor for signs of stabilization in the SOPR metric and a decrease in selling volume, which could signal the exhaustion of the current downtrend. The disparity between the current price and the 2025 peak also highlights the volatile cyclical nature of cryptocurrency markets. For XRP, navigating this stop-loss phase successfully will be crucial for rebuilding holder confidence and establishing a support level from which a new upward trajectory can potentially begin, aligning with the broader bullish thesis for transformative digital assets in the global financial sector.

XRP Enters Stop-Loss Phase as Holder Profitability Turns Negative

XRP has entered a critical "stop-loss" phase, with on-chain data confirming negative holder profitability for the first time since 2022. The Spent Output Profit Ratio (SOPR) 7-day EMA has dropped below 1.0, signaling widespread selling at a loss. This mirrors the September 2021-May 2022 downturn, where SOPR remained sub-1.0 for months before recovery.

At $1.44, XRP reflects a 12% weekly decline—far from its 2025 peak of $3.65. The market now faces aggregate cost basis breakdown, exacerbating sell-side pressure. Glassnode data shows the SOPR EMA falling from 1.16 to 0.96 since July 2025, creating a feedback loop of panic selling.

Ripple Engages Fed Consultation on OP-1877 Payment Account Pilot

Ripple has formally entered the Federal Reserve's public discourse on Docket OP-1877, a proposal exploring Reserve Bank Payment Account access for non-bank entities. The move positions Ripple among a handful of commentators shaping the future of blockchain-based payments and stablecoins within the U.S. monetary framework.

Securing a Fed payment account would allow Ripple's RLUSD reserves to settle directly on central bank rails, eliminating commercial bank counterparty risk. The company's submission emphasizes its blockchain expertise in cross-border payments and stablecoins, framing the proposal as a catalyst for safer, more efficient U.S. payment infrastructure.

Market observers note the consultation could redefine global liquidity channels. "This isn't just about account access—it's about rewriting the rules of monetary interoperability," tweeted BankXRP, highlighting the tectonic implications for institutional crypto adoption.

Ripple Expands Partnership With UAE Bank Zand for Payments and Liquidity

Ripple has deepened its collaboration with UAE-based digital bank Zand, focusing on blockchain-powered payments and liquidity solutions. The partnership underscores Ripple's growing foothold in the Middle East, where regulated crypto adoption is gaining traction among financial institutions.

XRP, Ripple's native token, trades at $1.41 with a $86.37 billion market cap. The expanded alliance builds on prior work between the two entities, now targeting cross-border and domestic transaction efficiency through regulated digital asset infrastructure.

Zand, a fully licensed UAE digital bank, continues investing in fintech innovation. The partnership signals institutional confidence in blockchain's role in modernizing financial systems.

XRP Price Prediction: Key Support Holds as Buyers Defend $1.39–$1.46 Range

XRP trades between $1.39 and $1.46, with buyers actively defending the $1.40 support level. The asset rebounded from earlier lows NEAR $1.12, demonstrating resilience as it consolidates around $1.40–$1.41—a critical pivot zone on recent charts.

Market structure remains constructive above $1.40, with higher lows suggesting accumulation rather than short-term speculation. Weekly charts reveal a demand zone between $1.11 and $1.36, historically serving as a launchpad for relief rallies. A sustained hold above $1.40 could pave the way for bullish continuation toward $1.58, $1.82, and beyond.