Japan Plans to Reclassify XRP as Financial Product by 2026

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

Source: Coinmarketcap

Updated: Jan 25 2026

Should l Buy XRP?

Reclassification Process: Japan's Financial Services Agency plans to reclassify XRP as a financial instrument by Q2 2026, affecting 105 cryptoassets, aimed at enhancing XRP's legitimacy and facilitating its integration into the financial system.
Bank Adoption Expectations: By the end of 2025, it is projected that 80% of Japanese banks will adopt XRP for cross-border payments, significantly enhancing XRP's payment utility and potentially increasing trading volumes.
Tax Policy Changes: Japan plans to reduce the cryptocurrency tax rate from 55% to 20% in 2026, which will provide greater liquidity to the market and attract more banks to participate in crypto asset trading.
Digital Strategy Goals: Finance Minister Satsuki Katayama has declared 2026 as Japan's

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Technical Analysis for XRP

Technical Sentiment Analysis for XRP (XRP). As of , XRP (XRP) is exhibiting a Strong sell technical sentiment. Our proprietary analysis, which aggregates 5 technical signals, shows that 0 indicators are flashing buy, while 5 are indicating sell.

Momentum Indicators: RSI, MACD & Overbought/Oversold Status. Currently, the Relative Strength Index (RSI) for XRP stands at -, which suggests a Neutral condition. Meanwhile, the MACD (12, 26) indicator is at -, providing a Neutral signal for short-term momentum. Other oscillators like the Stochastic Oscillator at - and the Commodity Channel Index (CCI) at - further confirm a - outlook for the crypto.

Support, Resistance & Moving Averages. From a structural perspective, XRP is trading below its 60-day moving average of $- and below its 200-day long-term moving average of $-. Key price levels to watch include the immediate resistance at $- and strong support at $-. A break above $- could signal a bull continuation, while falling below $- may test the next Fibonacci floor at $-.

XRP (XRP) Support & Resistance Level

Name	S3	S2	S1	Pivot Points	R1	R2	R3
Classic	1.156	1.239	1.308	1.391	1.459	1.542	1.611
Fibonacci	1.239	1.297	1.333	1.391	1.448	1.484	1.542

About XRP

Launched in 2012, the XRP Ledger (XRPL) is an open-source, permissionless and decentralized technology. Benefits of the XRP Ledger include its low-cost ($0.0002 to transact), speed (settling transactions in 3-5 seconds), scalability (1,500 transactions per second) and inherently green attributes (carbon-neutral and energy-efficient). The XRP Ledger also features the first decentralized exchange (DEX) and custom tokenization capabilities built into the protocol. Since 2012, the XRP Ledger has been operating reliably, having closed 70 million ledgers.

About the author

Ohris M. Greyoon

Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.

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