Published: February 21, 2026, 6:46 p.m
On February 21, 2026, the industry is resounding with the bold claim of experienced institutional investors: if central banks adopt a single on-chain currency for the “Agency Economy”, XRP can overtake Bitcoin to a significant extent.
It’s not just retail advertising; it is caused by the fact of currency instability.
Earlier this week, the Federal Reserve’s trading center requested an indicative dollar/yen quote after the yen’s sharp move – a rare move that reignited talk of the need for faster, more neutral settlement rails.
XRP as “digital oil”
Ripple President Monica Long recently laid out a roadmap for 2026, where regulated banks will move beyond “testing” and begin deploying production systems directly linked to on-chain liquidity pools. The theory supported by vocal market analysts like “Pumpius” is that while Bitcoin remains the “digital gold” of the world, XRP is positioned as the “digital oil” of the global financial engine.
If the XRP Ledger becomes the mainstream currency for CBDCs and regulated stablecoins to quickly exchange trillions of value, its market cap could theoretically change the dominance of Bitcoin’s store of value. Critics point to a huge gap — trillions of Bitcoin and $100 billion in XRP — but with the institutional “pipelines” finally connected, the dream of “Asset Bridge” has never looked more like a reality.
Disclaimer. This analysis and prediction is the author’s personal opinion. The information provided is collected by the author and is not sponsored by any company or token developer. This is not a recommendation to buy or sell cryptocurrency and should not be considered an endorsement by Coinidol.com. Readers should do their own research before investing in funds.
