In 2025, platinum outperformed palladium due to tight supply and diversified demand, while palladium faced weakening fundamentals and diminishing auto sector demand. In 2026, their paths diverge, with platinum poised for gains and palladium expected to decline.

What has happened recently?
XRP soared to a historic high of $3.65 due to the SEC dropping the lawsuit, but it has now fallen back by 39%. It doesn't look so good now.
Why does it rise quickly and fall quickly?
First, let's talk about the good news: Ripple's cross-border payment network is indeed useful, with transaction costs as low as 0.00001 tokens. The SEC settlement has also given institutional investors hope, and the approval of spot ETFs can attract new funds.
Let's talk about bad things:
- Banks can transfer directly in fiat currency on the Ripple network, without having to use XRP at all.
- The stablecoin RLUSD launched by Ripple last year has fluctuations close to zero, making it more suitable for payment scenarios.
- XRP is highly volatile, and banks face significant risk of loss when using it for payments.
Why XRP ETF Won't Be the Next Bitcoin
BTC relies on scarcity (limit of 21 million coins) + decentralization to support its value, while XRP lacks these.

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