Is XRP Headed for Its First Annual Decline Since 2022 as Capital Rotates Toward Remittix?

XRP opened 2026 with strength, but growing signs of capital rotation are starting to raise new questions. After years of dominance in the payments narrative, XRP now faces pressure from emerging utility-driven projects attracting fresh liquidity.

As price momentum cools and investors reassess positioning, attention is shifting toward alternatives like Remittix. The key debate is no longer how high XRP can go, but whether its leadership is beginning to fade.

XRP Price Today Cools After A Powerful Start To 2026

XRP started 2026 with a surge that caught the market off guard. XRP price today pushed as high as $2.40 after a 25% weekly rally. That move fueled headlines and strong XRP news. This even led to CNBC calling XRP the hottest crypto trade of the year.

Yet after the early spike, momentum cooled. XRP has since pulled back toward key support zones, raising a new question for investors. Is this the start of XRP’s first annual decline since 2022 as capital looks elsewhere?

ETF data remains a major pillar of the bullish case. Spot XRP ETFs attracted nearly $100 million in early January, pushing cumulative inflows to $1.37 billion with no recorded outflow days.

This divergence stands out in Ripple news, especially as Bitcoin and Ethereum ETFs saw heavy redemptions. Investors appear to view XRP as a less crowded trade, buying weakness rather than chasing price strength.

Still, the technical picture looks mixed. XRP price has struggled to stay above $2.40 and slipped below the 200-day EMA. This has now put $2.24 under pressure. Further pullback would reopen downside targets at $1.91, $1.80, and even $1.25. On the positive side, resistance is close to $3.00, then $3.20, and $3.60.

Fundamentals remain strong. Exchange balances hit multi-year lows, network transactions jumped over 50%, and Ripple secured major partnerships in Japan while gaining conditional approval for a U.S. trust bank. Long-term XRP price prediction models still point as high as $8.00 by 2026 under aggressive ETF scenarios.

But with newer narratives like Remittix attracting fresh capital, the near-term Ripple price prediction depends on whether XRP can reclaim momentum or continue consolidating.

Remittix Emerges As The Best Crypto To Buy Now In Payments

As XRP faces questions about whether it could post its first annual decline since 2022, smart money is already moving. The rotation is not random. Investors are shifting toward projects that are delivering infrastructure, not narratives.

Remittix sits right at the center of that flow. While XRP remains a major name, its growth now depends heavily on ETFs and macro sentiment. Remittix is growing because users are actively using the product.

This is why many traders now describe Remittix as the best crypto to buy now in the payments category. It is building a full PayFi ecosystem that connects crypto directly to bank accounts, cutting through delays, hidden fees, and outdated rails.

Solana whales watching uncertainty around legacy chains are increasingly reallocating toward RTX because the adoption curve is already visible.

Why Remittix Is Gaining Traction

• End-to-end PayFi app enabling crypto-to-fiat payments, transfers, and settlements
• Fully audited and team-verified by CertiK and ranked #1 for pre-launch tokens
• BitMart confirmed as first CEX listing with LBank announced after crossing $22M
• Live iOS wallet with crypto-to-fiat platform launching February 9, 2026

Momentum keeps accelerating. Remittix has crossed $20M and $22M in funding, launched its wallet on the App Store, and is rolling out Android next. A very limited 200% bonus is currently live with only 5 million tokens allocated. On top of that, users earn 15% USDT instantly for every referral, paid directly to their wallet. This is no longer about future potential. It is an execution happening in real time.

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

Website: https://remittix.io/ 

Socials: https://linktr.ee/remittix 

FAQs

• How Do I Find New Crypto Projects Early?

Finding new crypto projects early usually involves tracking funding milestones, audits, exchange announcements, and community growth. Investors often follow on-chain data, verified teams, and platforms launching products before wider market exposure.

• Are Crypto Presales A Good Investment?

Crypto presales can offer early access and higher upside. However, they carry more risk than established coins. Presales backed by audits, transparent teams, real products, and clear roadmaps tend to be safer options for long-term investors.