SBI Holdings Chairman Confirms Banks to Adopt XRP for International Payments in 2026

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

Source: Coinmarketcap

Updated: Jan 18 2026

Should l Buy XRP?

Bank Adoption of XRP: Yoshitaka Kitao, Chairman of SBI Holdings, confirmed that banks will begin adopting XRP for international payments in 2026, aligning with SBI's previously announced initiative to provide XRP incentives to shareholders, showcasing the company's ongoing commitment to digital assets and payment infrastructure.
Shareholder Incentive Program: Under the shareholder incentive program publicly detailed in February 2025, SBI allowed shareholders recorded as of March 31 to choose between receiving XRP or products from SBI ALApromo, with long-term holders receiving higher XRP values, reinforcing corporate support for digital assets.
Regulatory Compliance and Distribution: The distribution of XRP to shareholders is managed through SBI VC Trade, ensuring compliance with Japanese regulations and eligibility restricted to domestic residents aged 18 or older, indicating the company's commitment to advancing digital asset use within a regulated framework.
Impact on Financial Infrastructure: Kitao's confirmation signals a shift from discussions about digital asset integration to actual implementation, with SBI's shareholder incentives and bank adoption presented as part of a cohesive strategic framework, highlighting the company's pivotal role in advancing XRP's practical use within established financial systems.

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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	1.184	1.253	1.315	1.384	1.446	1.515	1.577
Fibonacci	1.253	1.303	1.334	1.384	1.434	1.465	1.515

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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