Ripple has spent years telling banks that digital assets are the future of payments. Its 2026 Global Digital Asset Survey of over 1,000 finance leaders suggests the industry is finally agreeing—72% now say their firms must offer digital asset solutions to stay competitive.

For XRP investors, the picture is more complicated. The survey’s most bullish finding is about stablecoins—not XRP as a bridge asset. 29% of the respondents flagged price volatility as a top concern, which is exactly why most banks avoid settling in XRP directly. This reflects why Ripple’s ecosystem keeps expanding, but the XRP price remains still stuck near $1.40.

So does any of this actually help XRP, or…