Three Countries That Could Propel XRP in 2026

Ripple's XRP token is on the verge of notable growth thanks to upcoming regulatory and adoption changes in three significant regions. These developments could redefine how institutions utilize this digital asset by 2026.

Key Takeaways

Japan's Current Impact: Japan is leading with established XRP remittance corridors, especially via SBI Remit.
UAE's Growing Market: The UAE is becoming a significant market for XRP, aided by its supportive regulatory environment and Ripple's presence.
Slower Progress in Europe: In Europe, XRP adoption may progress at a slower pace despite regulatory support via the MiCA framework.
Real-World Usage is Key: Real operational use of XRP is crucial for its growth, shifting the focus from validation to volume.
Future Market Movements: Regulatory clarity in 2026 could inspire phased market reactions with long-term implications for XRP value.

In a recent interview with BeInCrypto, Jamie Elkaleh, the CMO of Bitget Wallet, discussed how Japan is poised to be the most impactful country for XRP adoption in the near term.

“Japan already has established remittance corridors using XRP as a bridge asset. A prime example is SBI Remit, which facilitates transfers from Japan to bank accounts in Southeast Asia,” he explained. Since these corridors are fully operational and not merely experimental, “the transition from adoption to actual usage is significantly accelerated.”

The UAE: A Rising Market for XRP

Elkaleh highlighted the United Arab Emirates (UAE) as another rapidly growing market for XRP. The country’s virtual asset framework, established by the Virtual Assets Regulatory Authority (VARA) and the UAE Central Bank, fosters a supportive environment for cryptocurrency payment systems. “With a regulatory framework designed for virtual assets and Ripple Labs expanding its presence in the region, the UAE is a strong contender for this next phase of adoption,” he noted.

Simultaneously, Europe is planning for long-term growth with its Markets in Crypto-Assets (MiCA) framework. While the regulation is currently in effect, regulators are still finalizing several secondary rules. The transition phase expiring in 2026 indicates that the framework is still developing. However, Elkaleh warned that adoption in Europe might progress more slowly: “Institutions generally adopt a cautious approach, and the foundational elements are still being established.”

Real-World Usage of XRP Encourages Adoption

According to Elkaleh, Ripple has a distinct advantage because Japan has already advanced beyond pilot projects. “SBI Remit's remittance operations that utilize XRP are live and being utilized, showcasing XRP in genuine operational environments,” he clarified. This suggests that increasing usage will now hinge on transaction volume rather than the need for validation.

The UAE and the broader MENA region are approaching a pivotal moment. Regulatory structures are aligning, with VARA licensing, Ripple’s DFSA license in Dubai, and partnerships in Bahrain all helping to minimize compliance and legal obstacles for formal settlements. Although these transaction flows do not yet match those of Japan, “the ecosystem is ready for growth.”

Elkaleh indicated that progress in Europe is likely to be slower. “While MiCA and the associated regulatory clarity are preparing banks and remittance companies, it may take longer for institutions to implement large-scale XRP-based settlements,” he said.

Potential Regulatory Clarity and Market Movements

Looking toward the future, Elkaleh anticipates that regulatory clarity by 2026 could lead to significant price movements for XRP, unfolding in various stages throughout the year. “In regions with active projects and existing corridors, fresh flows might emerge within months following regulatory approval. Conversely, in other areas, especially in Europe, the shift from regulatory clarity to implementation could take between 12 to 24 months. Institutions will need to align their treasury policies, integrate necessary systems, and initiate live XRP settlements,” he explained.

Ultimately, Elkaleh emphasized that market movements will reflect real-world adoption: “Markets react not just to regulatory announcements but also to tangible evidence of usage, liquidity, and the metrics of adoption.”

These developments create a unique opportunity across Asia, the Middle East, and Europe, merging regulatory clarity with operational progress. Investors in XRP and crypto enthusiasts should watch closely, as 2026 might be the year when the tangible utility of the token takes precedence over speculation, fundamentally influencing its market value.