XRP suddenly became popular: Spot ETF will settle accounts after the autumn, the lending market is about to undergo a revolution.

This week has brought several big news stories with intense coverage, and XRP has become an internet sensation. Let's break them down one by one.

1. The XRP Spot ETF Will Reveal Its True Colors Next Week

Key Date: November 13

The XRP spot ETF from Canary Capital can no longer be held back. The SEC's review had been delayed repeatedly, but now the S-1 document has been updated, removing those annoying amendment clauses. November 13th is the day of thunder. If Nasdaq approves (Form 8-A) and it takes effect, XRP will be able to trade directly on the US stock market without the hassle of managing wallets and private keys.

What does it mean for retail investors? In one sentence - the threshold has been directly lowered by half. Now you can buy XRP in brokerages just like buying Apple stocks, and institutional funds have to follow in. This is why it's called “spot ETF concept stock” on-chain - the market is betting on this approval.

On-chain data: The XRP/BTC trading pair has been tightly locked at 0.0000231 BTC (upper limit 0.0000235, lower limit 0.00002225) for the past few days, with extremely low volatility, clearly waiting for a trigger. Once the ETF is approved, how will this suppressed momentum be released? Some are betting on a breakout.

2. Uphold Launches Lending, Your Coins Can Be Used as Mortgage for Houses

Timeline: Launch in Florida in December

The US exchange Uphold is making moves - Digital Asset Secured Loans are officially here. You can hold your XRP, ETH, BTC, USDC and directly borrow USD. What does this mean? It means your coins are living assets, not idle digits.

Why is the market excited?

• In a bear market, don't be afraid of cutting losses; you can borrow money if you hold coins at the cost price.
• Institutional financing costs are lower (compared to traditional collateral loans)
• On-chain data shows that similar products have grown by over 50% year-on-year, this is a piece of meat.

Who are the real players? Retail investors solve liquidity issues, while large players use this to hedge market risks. Uphold's competitors have been doing this for a while, and now it's their turn, indicating that the entire sector has matured.

3. Western Union Launches US Dollar Stablecoin on Solana in 2026

Project Name: USDPT

This news is easy to overlook, but the signal is fierce. Western Union, a long-established cross-border payment service founded in 1861, is now going to issue a US dollar stablecoin on Solana. What's the goal? To cover their 100 million users across more than 200 countries.

On-chain perspective:

• The traffic on the Solana network is about to soar again.
• Traditional financial giants entering the market = Regulatory recognition signal
• The USD stablecoin market is becoming increasingly crowded (it's not just USDT/USDC anymore).

4. Topic Fragment: Hoskinson vs. Schiff

Cardano founder Hoskinson fired shots at Bitcoin old grump Peter Schiff on X—listing Schiff's failed price predictions over the years ($100, $1K, $10K… continuously shouting collapse and always being wrong), mocking him that “he has no influence on serious investors anymore.”

What does this reflect? Confidence in the crypto circle is continuously accumulating. Even if some have been bearish for 10 years, the market no longer cares.

Data Overview

How should investors view it

Short-term (3-4 weeks): On the eve of the approval of the XRP spot ETF, the window for bottom-fishing in risk assets may be closing. On-chain data shows institutions are accumulating positions, but there is usually a “last washout” before a reversal.

Medium Term (6-12 months): Uphold lending + Western Union stablecoin = Acceleration of crypto financial tooling. This is not just trading coins, it's a signal for ecological improvement.

Long-term Logic: The story of XRP is not about technology, but about actual implementation at the application layer. The ETF is just an entry card; the real trump card is the hook into the banking system (Ripple's core business).

Summary: The news this week is not isolated events, but rather an acceleration of the integration of traditional finance and blockchain. XRP, ETFs, lending, stablecoins… each is pushing in the same direction: making crypto a part of everyday financial tools.

The market is already responding positively, and the on-chain data is speaking for itself. The question is not whether it will happen, but whether you have boarded the train.