Ripple notched another regulatory milestone in Europe while XRP held above $2, underpinned by inflows that contrasted with broader market outflows.
Analysts say confirmation of a trend shift likely hinges on clearing resistance around the mid-$2.40s, with $3.05 flagged as a key upside level.
On Jan. 14, 2026, Ripple’s chief legal officer, Stuart Alderoty, said the company had secured preliminary approval for an Electronic Money Institution license from Luxembourg’s CSSF, positioning Ripple to scale payments across the EU and EEA.
At the same time, CoinShares reported strong weekly inflows into XRP even as the wider market saw sizable outflows.
Licensing push in Luxembourg and the UK
Alderoty said the Luxembourg approval would allow Ripple “to scale Ripple Payments across all 27 EU and EEA member states.”
According to an official release, the EU license helps the company support institutions moving from legacy systems to real-time, 24/7 payments.
“The EU was amongst the first major jurisdictions to introduce comprehensive digital assets regulation, which provides the certainty financial institutions need to move blockchain from pilots to commercial scale,” said Monica Long, Ripple’s president.
The green light in Luxembourg follows last week’s announcement that Ripple received its EMI license and Cryptoasset Registration from the UK’s Financial Conduct Authority.
With the EU and UK additions, Ripple says it now holds more than 75 regulatory licenses worldwide.
The firm reports Ripple Payments has reached over 90% of daily FX markets and processed over $95 billion in volume to date.
Flows and market structure support XRP above $2
While digital asset funds saw roughly $454 million in outflows in one of the market’s worst weeks since mid-2023, CoinShares data showed $45 million of weekly inflows into XRP, a more than 400% increase week on week.
That divergence has helped keep XRP above $2 even as liquidity tightened elsewhere.
Trading activity looks balanced rather than speculative.
CryptoQuant’s Binance trading volume Z-score sits around 0.44, slightly above the 30-day average and within a neutral range, a setup often seen during accumulation phases.
According to Source 2, XRP is currently trading around $2.13 with a nearly $130 billion market cap as the fifth-largest asset.
It is up over 13% in 2026 and has risen more than 200% over the past 18 months.
On the weekly chart, price is stabilizing above $2.00 within a broader bullish structure, though a descending trendline still caps upside.
If XRP holds above $2.00 and reclaims that trendline with a strong weekly close, analysts see room for a move toward $2.70 to $3.05.
Key levels and what analysts are watching
Market analyst CrediBULL Crypto highlighted a completed “triple tap” at range highs, pointing to two scenarios: a pullback toward $1.77 within a larger uptrend, or a defended base around $2 where dips are bought, with a target at higher, untapped levels near $3.
Futures trader Dom said $2.10 has held for months, but a decisive shift likely requires acceptance well above the mid-$2.40s on the daily chart.
Last week’s rally stalled just below $2.40 before a Jan. 6 rejection, a move that followed more than $100 million in net whale selling from Jan. 4 to Jan. 7.
A change in that behavior would likely be needed if XRP retests $2.40.
Source 2 also notes the $3.05 region as a major liquidity area where previous rallies of roughly 70% and 38% stalled, underscoring its significance as resistance.
Bottom line
Ripple’s EU licensing progress and XRP’s supportive flow picture have kept the token steady above $2, but technical resistance remains.
Watch for whether buyers can establish acceptance above the mid-$2.40s and ultimately challenge the $3.05 area to confirm a stronger bullish shift.
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