$13 Trillion Payment Giant Now Lets You Hold XRP Like Cash

• XRP trades at $1.3193, down 0.03%, between S3 support at $1.2543 and R3 resistance at $1.4255.
• Ripple integrated XRP and RLUSD into its GTreasury system, letting CFOs manage digital assets alongside fiat in one dashboard.
• Ripple’s CTO responded to concerns over Ripple’s 34B XRP holdings, saying banks don’t pass on profitable decisions because a third party benefits.

Ripple put XRP directly inside corporate finance on April 2, integrating native digital asset management into its GTreasury system, which processed $13 trillion in payments last year. XRP trades at $1.3193 on April 3, sitting just above the S3 support level at $1.2543 as the descending channel from January’s high keeps pressure on from above.

XRP Daily Chart: Descending Channel With Support Cluster Below

XRP peaked near $2.40 in January and has been inside a steep descending channel since. The upper boundary has rejected every rally, most recently pushing price back from $1.55 in mid-March. At $1.3193, XRP sits between S3 at $1.2543 and the R3 resistance band at $1.4255 to $1.4367, with an ascending trendline from the February low adding support from below.

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A daily close above R3 at $1.4255 would be the first breakout attempt since early March. Below S3, the next floors are S4 at $1.1686 and PF1 1S at $1.1127.

XRP Key levels for April 4

• Ascending trendline: $1.30 to $1.32
• S3 support: $1.2543
• R3 resistance: $1.4255
• R5 resistance: $1.6619
• S4 downside: $1.1686

Ripple Puts XRP On The CFO’s Desk

Ripple’s two new GTreasury features, Digital Asset Accounts and Unified Treasury, let corporate finance teams hold XRP and RLUSD alongside fiat balances in a single dashboard without separate wallets or custody arrangements. Balances update in real time with live exchange rates, transactions are logged automatically with 15-decimal precision, and external custodians connect through the same API layer already used for bank integrations.

GTreasury processed $13 trillion for clients ranging from small businesses to Fortune 500 companies last year. Ripple is adding digital asset management to that existing infrastructure rather than asking clients to build a separate stack for it. Ripple Treasury’s SVP said the question for CFOs has shifted from whether to engage with digital assets to how to do so without disrupting existing operations.

The Ripple Holdings Question

Analyst Mason Versluis raised a pointed question this week: why would global banks use XRP when Ripple holds 34 billion tokens, knowing that adoption at scale would make Ripple one of the most valuable financial institutions in the world? His argument is that banks doing due diligence would see the token concentration, the retail speculation, and the community theories, and question whether the utility is worth it.

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Ripple CTO David Schwartz responded on X. Businesses don’t decline profitable decisions because a third party also benefits. If XRP makes business sense and generates returns, the objection would need to go beyond general discomfort with Ripple’s holdings. The debate is ongoing, but the GTreasury launch shows Ripple is not waiting for it to resolve.