XRP gained ground after a federal court dismissed a long-running class-action against Ripple at 4:53 p.m. on Jan. 28, 2026, easing regulatory uncertainty. The decision arrives as Ripple rolls out a major treasury platform and XRP moves into a consolidation phase.

The 10th Circuit Court of Appeals upheld the Federal Reserve's discretion to reject Custodia Bank's master account application, marking a significant decision on access to Fed payment systems. Despite Custodia's legal challenge, the court ruled against mandatory account granting, with ongoing debates about crypto firms' access.