XRP, XLM reclaim lost ground but it could be a losing battle as the new PayFi narrative goes viral

Crypto markets are rotating into 2026 as XRP and XLM recover technically while traders increasingly favor payment-focused platforms like Remittix.

Crypto markets are showing signs of rotation as traders reassess what qualifies as the best crypto to buy now heading into 2026. XRP and XLM have both regained technical footing after recent drawdowns, supported by renewed volume and short-term structure recovery. 

At the same time, market focus is shifting toward assets tied to real payment execution rather than legacy positioning alone.

Within this transition, infrastructure projects built around crypto-to-fiat payments are gaining quiet traction. One Ethereum-based PayFi platform, Remittix, is increasingly referenced as capital looks beyond recovery trades and toward usable financial rails.

XLM holds support as buyers defend demand zones

Stellar is facing short-term pressure as price action compresses within a descending channel. Technical commentary shared by GainMuse highlights XLM reacting near a demand area, with buyers attempting to defend support while price rotates toward descending resistance.

As long as these reactions hold, the structure remains constructive, though a failure below the lower channel could weaken the setup. This behavior is outlined in this CoinMarketCap community analysis on XLM, which details both upside potential and downside risk tied to demand strength.

Presently, the price of Stellar is $0.2389, a drastic fall of 6.84% in the past 24 hours, having a market cap of $7.75 billion. However, the trading volume has surged to $306.19 million, registering a whopping 122.13% surge. The volume expansion suggests positioning rather than panic, though sustained follow-through remains required.

XRP breaks resistance as volume expands

XRP has also reclaimed lost ground, pushing through an intermediate resistance level as participation increases. Market commentary from For-Exx Kripto notes that the recent move may either reflect short covering or the early stages of a broader trend shift, pending confirmation.

This development comes alongside heightened attention tied to macro events, with traders monitoring whether structure can hold after the breakout attempt.

The current price for XRP is $2.12, having increased by 3.04% within the day and a market value of $128.76 billion. Volume has moved up steeply to $4.79 billion, up 93.1%, thus emphasizing the fact that buyers are also attempting to test the resistance levels.

Why the PayFi narrative is gaining ground

While XRP and XLM attempt to reclaim relevance through technical recovery, the market narrative is shifting toward payment infrastructure that connects crypto directly to real-world finance. This is where many traders are reassessing what qualifies as the best crypto to buy now, beyond price rebounds alone.

Projects offering crypto-to-bank functionality, compliance alignment and live products are drawing attention as capital rotates toward execution-focused models rather than protocol rivalry.

Remittix fits into this shift as a PayFi-focused platform designed to bridge crypto with traditional banking rails. The Remittix token is priced at $0.123 per token, with over $28.8 million raised from private funding and more than 701 million tokens sold, reflecting demand tied to delivery rather than hype.

Remittix moves from concept to live infrastructure

The Remittix Wallet is now live at the Apple App Store, where customers can store, send and receive digital assets securely. The Google Play Store is also in the process of launching the Remittix Wallet ecosystem.

The full Remittix PayFi platform is scheduled to go live on 9 February 2026, enabling direct crypto-to-fiat transfers to real bank accounts across supported regions.

Security and credibility have also advanced. Remittix is now fully verified by CertiK and ranked #1 on CertiK for pre-launch tokens, reinforcing trust as the platform approaches launch. Future centralized exchange listings have been revealed, alongside a referral program that distributes USDT rewards through the Remittix dashboard.

The building blocks behind Remittix’s rise

• Wallet live with platform rollout scheduled for February 2026
• Direct crypto-to-bank payments across 30+ countries
• CertiK-verified team with top security ranking
• Private funding backing real product development
• PayFi focus aligned with real-world payment demand

When recovery trades meet real utility

XRP and XLM reclaiming lost ground reflects improving short-term sentiment, yet the broader market is increasingly guided by execution rather than recovery alone. Payment-focused infrastructure is becoming central to how traders define the best crypto to buy now, especially as utility replaces speculation as the primary filter.

Remittix sits at this intersection, combining live products, a defined launch timeline and crypto-to-fiat functionality aimed at everyday use. As the PayFi narrative continues to gain traction, projects built for real financial movement may carry more weight than technical rebounds alone.

To learn more about Remittix, visit the official website and its socials.

FAQ

Why are XRP and XLM reclaiming lost ground in the current crypto market?
They are being aided by the resurgence in trade activity and temporary technical rallies as the market readjusts in anticipation of the start of the new year in 2026.

What is the new PayFi narrative and why is it gaining attention?
The PayFi narrative focuses on crypto projects that enable real-world payments and direct fiat execution rather than speculative use cases.

Why is Remittix being viewed as a strong PayFi contender?
Remittix offers live wallet infrastructure and upcoming crypto-to-bank payment functionality aligned with growing demand for usable financial tools.