Is XRP On Track To Record Its First Yearly Loss Since 2022 As Investors Rotate Into Remittix?

As 2026 kicks off, analysts are indicating that the crypto market sentiment is shifting from speculative rallies to selective positioning. Unlike 2025, investors are no longer chasing price spikes. Instead, there is now a marked investment focus towards altcoins that demonstrate strong real-world adoption instead of speculative hype. This development is why XRP is back in the news again. 

In fact, over the past few days, XRP has demonstrated strong price performance, but despite this, the legacy altcoin remains under major scrutiny. Investors are now wondering whether XRP can maintain its momentum long enough to deliver or if 2026 will be the year it records its first major loss since 2022. 

At the same time, Remittix, a new PayFi altcoin on Ethereum,  is emerging as a next-generation payments solution and is already attracting capital from investors prioritizing utility over legacy positioning.

XRP: Strong Balance Sheet, Weak Momentum

XRP’s performance in recent times has seen it make a comeback to the news again as traders start to speculate on what’s next for the altcoin. Over the past few days, XRP has shown strong momentum, going from $1.8 to $2.23, indicating that momentum is building. Also, Coingecko reports that XRP now has a market cap of $135 billion and a 24-hour trading volume of more than $4 billion.

Ordinarily, this should indicate strong bullish potential; however, many traders remain unconvinced by XRP’s ability and potential. According to some researchers, the current activity is tied to hype, regulatory clarity and strategic reserve speculation instead of solid, revenue-driven fundamentals, so it may not last. As a result, many crypto investors now view XRP as stable but stagnant, especially compared to newer platforms actively expanding functionality.

Remittix (RTX): Payment Utility Driving Capital Inflows

While speculations around the current performance of XRP continue, on-chain patterns show investors are now turning their attention to Remittix. Remittix is generating a lot of buzz because it is targeting a $19 trillion market that traditional blockchain solutions have struggled to penetrate. According to experts, what sets Remittix apart from the rest is execution.

The Remittix wallet is already live on the App Store, marking the project’s first major product release. The wallet functions as a full crypto wallet today, with upcoming upgrades focused on direct crypto-to-fiat functionality. Google Play support is also expected soon, expanding accessibility. Beyond the wallet, Remittix has confirmed the launch date for its PayFi platform on February 9, 2026.

In addition to the above, Remittix has secured more than $28.6 million in private funding, showing strong investor interest in the project. In addition to this, Remittix has also secured confirmed listings on top exchanges BitMart and LBANK. Here are some other things investors find exciting about Remittix:

• Global adoption potential with direct crypto-to-fiat settlement already live in 30 countries
• Successful audit by Certik and the team has completed its full KYC verification
• Secured over $28.6 million in private funding
• Confirmed listings on top exchanges like BitMart and LBANK

Final Verdict: A Shift Toward Execution Over Legacy

XRP may avoid a sharp breakdown, but capital rotation suggests investors are no longer as interested in its future as before. Instead, the investment priority has shifted towards platforms that are already delivering measurable progress, like Remittix. 

Discover the future of PayFi with Remittix by checking out their project here:

Website: https://remittix.io/   

Socials: https://linktr.ee/remittix

FAQs

1. Why are investors rotating into Remittix?

Investors are drawn to Remittix because it offers live products, clear timelines, and real-world payment utility.

2. How does market sentiment affect XRP and Remittix differently?

XRP is influenced by broader market cycles, while Remittix is benefiting from execution-driven capital rotation.

3. Is Remittix designed for everyday users or businesses?

Remittix is built for both individual users and businesses. The wallet supports everyday crypto management, while upcoming PayFi features and API integrations are designed for merchants and payment providers.