XRP Drops Below $3 Despite Ripple’s Banking Plans: Could SpacePay Be the Real Utility Play?

XRP has dropped below the $3 threshold while Ripple executes banking initiatives including OCC charter applications and RLUSD stablecoin integration plans. The institutional focus contrasts sharply with SpacePay’s consumer-oriented approach, which has raised close to $1.3 million in presale funding by providing immediate spending utility for XRP holders. Ripple’s July filing for “Ripple National Trust