XRP is facing two competing narratives: one focused on near-term price levels, another urging holders to pay attention to existing XRP Ledger (XRPL) utility. On October 15, 2026, analyst CasiTrades published an updated chart analysis pointing to $1.27 as a potential Wave 2 bottom for XRP, while community member MRCAULIMAN warned that many holders are too obsessed with price predictions and missing real opportunities on the XRPL.
CasiTrades' $1.27 bottom setup. The analyst said XRP is moving in line with a corrective Wave 2 structure and approaching its first important downside target at $1.27. That level sits just above a Fibonacci area near $1.26 and within a broader green support zone from about $1.24 to $1.26. At the time of the post, XRP was trading near $1.31, only a few percent from that target. Her chart also shows RSI momentum weakening, but forming what she described as a possible bullish divergence, with RSI lows rising even as price tests lower levels.
Deeper risks remain. CasiTrades stressed that $1.27 is not guaranteed to hold. In one scenario, XRP could react at that level, hold for a few days, and then continue lower toward $1.10 or even $0.87 in a more bearish case. She said swing traders and long-term holders are accumulating in this area, but she wants to see $1.65 resistance broken before considering leverage trading. Her broader thesis remains bullish, targeting double-digit XRP prices over the longer term.
Bitcoin divergence. Unlike previous declines, Bitcoin has not moved as much as some altcoins, according to CasiTrades. She believes alts could find support and break higher without new lows, even if BTC does not follow. That makes the reaction around $1.27 especially important for XRP.
Utility over predictions. Separately, XRP community member MRCAULIMAN pushed back against the idea that XRP holders are simply tired of waiting. He argued that frustration stems from unrealistic expectations, with some holders waking up every day expecting an explosive move and becoming disappointed when it doesn't happen. He said there aren't enough people who understand what XRP is or what can be done with it, and urged users to explore the existing XRPL ecosystem rather than trading or waiting for price targets.
He highlighted MONOLITH, an XRPL-based platform he is associated with, as an example of live utility. According to his description, MONOLITH includes a merchandise store, NFT marketplace, peer-to-peer payments, storefronts, and digital "tiles" that users can claim and build around. He said people can sell physical products for XRP, list and buy NFTs, and generate revenue without waiting for a specific XRP price. Those claims are his own description of the project and should be treated accordingly.
MRCAULIMAN's broader argument is not that price is irrelevant, but that utility claims are stronger when people can point to products actually being used. For now, the posts highlight a tension inside parts of the XRP community between price-focused trading and a utility-focused longer-term view.
