How will the SBI-Solana partnership change the cryptocurrency market? A thorough analysis of the future of XRP and SOL

How will the SBI-Solana partnership change the cryptocurrency market? A thorough analysis of the future of XRP and SOL

In July 2026, major news hit the cryptocurrency market. 🚀

It is the partnership between SBI and the Solana Foundation.

SBI, one of Japan's leading financial groups, and Solana, one of the world's fastest blockchains, are officially joining forces.

This is not just a partnership between companies.

It could be a major turning point for Japanese financial institutions to fully enter on-chain finance using public blockchains. 🌏

Moreover, this news is not just for SOL holders.

It could also affect investors holding various crypto assets such as XRP, ONDO, RENDER, HBAR, XDC, JASMY, LINEA, ADA, DOT, and ATOM.

I am particularly concerned about this question:

Since SBI has partnered with Solana, has SBI given up on XRP?

And will SOL rise significantly from here?

In this article, I will thoroughly examine the details of the SBI-Solana partnership and the future potential of SOL, XRP, ONDO, RENDER, and others, including the impact on your holdings. 🔍

Why the SBI-Solana partnership became big news 🚀

First, let's organize why this SBI-Solana partnership is attracting attention.

SBI has been actively investing in fields such as crypto assets, blockchain, finance, and securities.

Meanwhile, Solana is a public blockchain known for its high-speed processing and low costs.

By joining forces, the following developments are expected in the future:

・Tokenized stocks

・Tokenized bonds

・Japanese Yen stablecoin

・RWA

・Financial products for institutional investors

・On-chain finance

・DeFi

・International digital asset trading

Particularly important are RWA and stablecoins.

RWA is a mechanism for digitizing real-world assets on the blockchain.

For example, government bonds, corporate bonds, real estate, and stocks are tokenized.

Until now, financial products have been managed by centralized systems such as banks and securities companies.

However, if RWA becomes widespread, the future of issuing, trading, and managing assets on the blockchain could become a reality.

The back end of finance is slowly moving on-chain. 😳

Why did SBI choose Solana? 🤔

The background to SBI choosing Solana this time lies in Solana's technical characteristics.

Solana is characterized by extremely high processing performance and low fees.

When financial institutions use blockchain, processing speed and cost are extremely important.

It becomes difficult to develop large-scale financial services on a blockchain that charges high fees for a single transaction and takes time to process.

In that respect, Solana aims to process a large volume of transactions at a low cost.

It is considered particularly compatible with payments using stablecoins and RWA transactions.

What is interesting here is SBI's strategy.

SBI is not necessarily choosing "only Solana."

It seems they are moving toward using Ripple, Ethereum, Ondo Finance, Morpho, and Solana according to their respective characteristics.

In other words, SBI's strategy is:

"Not which blockchain is the best, but which blockchain to use for which purpose."

This is very important.

In crypto asset investment, people tend to focus on the battle of "which will win, Chain A or Chain B?"

However, real financial institutions are more pragmatic.

Use multiple if necessary.

This might be their true intention. 😅

Is the SBI-Solana partnership a major shift from Corda to Solana?

What is particularly attracting attention with this partnership is the shift in SBI's blockchain strategy.

Until now, SBI has deepened its relationship with Corda, a blockchain for enterprises.

However, with this partnership with Solana, there is a possibility that they will step further into utilizing the liquidity and user base of public blockchains.

A closed network dedicated to companies and a public blockchain where users from all over the world can participate.

Both have their own advantages.

Enterprise networks are easy to manage.

On the other hand, public chains have funds and users from all over the world.

Considering delivering financial products to investors around the world, the liquidity of public chains is a very big attraction.

The background to SBI choosing Solana is thought to be the aim of combining this "manageability of financial institutions" with the "liquidity of public chains."

Why didn't SOL surge after the SBI-Solana partnership announcement? 📉

Here, there is something many investors wondered about.

"Even though SBI and the Solana Foundation partnered, why didn't SOL surge?"

At the time of the announcement, SOL was trading around $76.

However, there were times when it fell by about 3.5% after the announcement.

The market's reaction was exactly:

"Huh... I see."

A shrug-like reaction. 😅

Even though it's a big partnership, the price didn't surge.

This is not unusual in the crypto asset market.

There are several reasons.

First, the announced content does not immediately lead to buying demand for SOL.

In this partnership, stablecoins may be used for the settlement of tokenized bonds and financial products.

In other words, even if the Solana network is used, it does not necessarily mean that SOL will be used for the settlement itself.

Furthermore, Solana's fees are designed to be very low.

Just because network usage increases does not necessarily mean that fee revenue will explode.

This is the difficult part of investing in SOL.

Will the value of SOL rise just by expanding network usage? 🤔

Solana users increase.

RWA increases.

Stablecoin transactions increase.

If there is news like this, you would normally want to think it's a plus for the SOL price.

However, in reality, it is a bit complicated.

For example, even if tokenized bond transactions are conducted on Solana, if the settlement currency is USDC or a Japanese Yen stablecoin, it does not necessarily mean that SOL will be purchased in large quantities directly.

Also, Solana prides itself on low costs.

This is a big advantage for users.

On the other hand, from the perspective of SOL value accumulation, extremely low fees are not necessarily a plus.

Therefore, when considering the future SOL price, it is necessary to look comprehensively at:

・Number of network users

・Stablecoin circulation

・RWA transaction scale

・DeFi assets under management

・Institutional investor usage

・SOL staking demand

It cannot be simply stated that:

"SOL will rise because SBI uses Solana."

However, it can be said that the possibility of long-term institutional investor demand expanding has become clearer than before.

The market has entered a phase of evaluating "implementation" over "announcements" 🚧

There is a very important point to consider regarding this SBI-Solana partnership.

That is that full-scale implementation has only just begun.

The first product announcement is scheduled for within 2026.

On the other hand, the issuance of tokenized assets for external investors is expected in 2027.

In other words, we are still at the stage where:

"An amazing concept has been announced."

The market is next looking to see:

"What will actually be built?"

"How much capital will flow in?"

"Who will use it?"

In the investment world, there are assets that are bought at the time of announcement.

However, assets that really rise significantly are sometimes evaluated only after actual use begins.

The SBI-Solana partnership may be news that holds the potential for the latter.

It gradually takes effect when you've forgotten about it.

It's that type of news. 👀

Is the SBI-Solana partnership bad news for XRP holders? ⚠️

This is likely the part that concerns XRP holders the most.

SBI has built a deep relationship with Ripple and XRP for many years.

And that SBI is proceeding with a large-scale partnership with Solana.

Naturally, concerns arise that:

"Will SBI move away from XRP?"

In fact, some analysts have warned of a risk that the XRP price could fall by up to 50%, from $1.07 to $0.54.

This is a quite severe scenario.

As an XRP holder, it's a number that makes you want to double-check the screen. 😨

However, we need to think calmly here.

Just because SBI partnered with Solana does not mean they have ended their relationship with Ripple or XRP.

SBI VC Trade continues to handle RLUSD, Ripple's stablecoin.

Furthermore, initiatives such as lending for institutional investors for XRP are also continuing.

In other words, at this point, there is no evidence that SBI has abandoned XRP.

SBI is likely pursuing a multi-chain strategy of using XRP and Solana separately

Organizing SBI's strategy, XRP and Solana may have different roles.

For example:

Ripple and XRP for international remittances and payments.

Solana for high-speed on-chain financial markets.

Ondo Finance for RWA.

Morpho for lending.

Ethereum for large-scale smart contract infrastructure.

This is a strategy of utilizing each of their areas of expertise.

This is very rational.

It's not like banks decide to "use only one ATM company."

Securities companies don't necessarily "use only one exchange."

Financial institutions choose the optimal infrastructure according to their purpose.

SBI is the same.

XRP and Solana are not necessarily in a relationship where if one wins, the other disappears.

Rather, it is possible that both will grow.

If XRP plummets, will it be a chance to buy the dip? 📊

My personal view is that if XRP falls significantly solely because of the SBI-Solana partnership, it may include selling due to overreaction.

Of course, I cannot say that XRP will definitely rise.

In the crypto asset market, you never know what will happen.

However, the flow of:

"SBI partnered with Solana"

↓

"SBI abandoned XRP"

↓

"XRP is over"

is a bit short-sighted.

SBI is actually moving toward combining multiple blockchains and financial protocols.

If there is a scene where XRP plummets to around $0.60 to $0.80, it could be a phase for investors who assume long-term holding to consider buying more.

However, this is just one example of an investment strategy.

Excessive buying is forbidden.

Crypto assets are truly merciless when they fall. 📉

SBI's true strategy as seen from Chairman Kitao's WebX 2026 keynote 🔭

To understand the SBI-Solana partnership, you need to look at SBI's overall strategy.

Chairman Yoshitaka Kitao presented the following three pillars as SBI's major direction in his WebX 2026 keynote:

・Full AI adoption

・On-chain finance

・Neo-media

In other words, the SBI-Solana partnership is just one part of SBI's massive strategy.

SBI has been advancing major moves related to digital assets one after another in a period of just about six weeks.

Acquisition of Bitbank

They are proceeding with making Bitbank a wholly-owned subsidiary for approximately 28.9 billion yen.

By bringing an exchange under their umbrella, they can strengthen crypto asset trading, liquidity, and customer base.

Investment in Gauntlet

They have made a sole investment in a Series C round of approximately $125 million.

Gauntlet is a company involved in DeFi risk management.

As the DeFi market grows, the importance of risk management increases.

Investment in EDX Markets

They have also made a sole investment in a Series C round of approximately $76 million.

The aim is thought to be to strengthen access to exchanges for institutional investors in the US.

Partnership with the Solana Foundation

This is the SBI-Solana partnership.

Exchanges.

DeFi.

Markets for institutional investors.

Public blockchains.

It looks like they are trying to secure all of these at once.

SBI's moves are quite serious. 🔥

The massive partnership network SBI is advancing beyond Solana 🌐

SBI's strategy is not just Solana.

AI partnership with Anthropic

They are advancing the full-scale utilization of AI in the Japanese financial industry.

AI and finance.

These two will become even more closely linked in the future.

Startale Group

They have invested 20% from the main company into Startale Group.

Furthermore, the launch of Strium Network, an L1 specialized in finance, is scheduled for fiscal year 2026.

It can be seen that SBI has its own financial blockchain strategy.

Ondo Finance

They are also building a relationship with Ondo Finance, which is attracting attention for RWA tokenization such as US government bonds and stocks.

This is a point that ONDO holders should pay particular attention to. 👀

VISA

They are also proceeding with the issuance of the SBI VISA Crypto Card.

This is a move to connect crypto assets to daily payments.

Fuji Television

They are also advancing the fusion of media and finance through mutual 20% investments.

The era where financial companies only do finance is coming to an end.

Morpho Association

There is also a relationship with Morpho, which is attracting attention as third-generation lending.

Looking at it this way, SBI is not just trying to build a crypto asset exchange.

AI.

Finance.

Blockchain.

RWA.

DeFi.

Media.

Payments.

It looks like they are trying to incorporate these into one huge ecosystem.

Why was Japan chosen for Solana's RWA strategy? 🇯🇵

In this partnership, what is surprisingly important is Japan's regulatory environment.

It is sometimes said that Japan has strict crypto asset regulations.

Indeed, there are strict parts compared to overseas.

However, on the other hand, there is the advantage that the system is well-established.

In the 2023 revised Payment Services Act, stablecoins were positioned in the system as electronic payment instruments.

Also, the system regarding security tokens is being developed.

Furthermore, system reforms are being advanced in the direction of treating crypto assets as financial products.

Regarding the tax system for crypto assets, a review from the current maximum of 55% to 20% is also being aimed for.

Such an environment is extremely important for financial institutions.

A market with no regulations at all looks free.

However, it is difficult for institutional investors to enter.

On the other hand, if the rules are clear, it becomes easier for financial institutions to move.

Japan is in a unique position of:

"Strict, but the system is well-established."

This environment may have made the Japanese market attractive to the Solana Foundation.

Solana's presence in the RWA market is increasing 📈

In the RWA market, Ethereum still has a large presence.

On the other hand, Solana is also rapidly increasing its presence.

In the second quarter of 2026, the trading volume of tokenized stocks on Solana expanded significantly, showing its presence.

In the overall RWA market, Ethereum is far ahead.

Avalanche also has a presence.

Although a latecomer, Solana is rapidly catching up.

And now, this partnership with SBI.

If a major Japanese financial institution enters the Solana RWA market in earnest, Solana's competitiveness could increase even further.

Ethereum versus Solana.

This composition is likely to be an important theme in the future RWA market as well.

Analyzing the impact of the SBI-Solana partnership on your holdings 🔍

From here, I will organize the impact on your holdings.

SOL

The impact is very highly positive. ★★★★★

In the short term, it did not develop into a surge just from the partnership announcement.

However, in the medium to long term, there is a possibility that Solana usage by institutional investors will expand.

Especially from 2027 onwards, when it enters the stage where actual tokenized assets are issued, the evaluation may change.

In the short term, split purchases around $70 to $76.

In the medium to long term, a scenario targeting $150 to $200 is also conceivable.

However, price forecasts are just scenarios.

The market does not move as expected.

That is also the difficult part of crypto assets. 😅

XRP

The impact is neutral to slightly negative. ★★★☆☆

With SBI partnering with Solana, psychological selling pressure may be created in the short term.

However, it does not mean that the relationship between SBI and Ripple has disappeared.

Handling of RLUSD and XRP-related services are also continuing.

Therefore, I don't think it's necessary to be pessimistic about the future of XRP just because of the SBI-Solana partnership.

Rather, if it plummets, it could be a chance to buy the dip.

ONDO

The impact is very highly positive. ★★★★★

ONDO is deeply related to the growth of the RWA market.

If the relationship between SBI and Ondo Finance is strengthened in the Japanese market, ONDO's presence could increase.

SBI.

Solana.

Ondo.

RWA.

This combination is a theme to watch in the future. 🔥

HBAR

The impact is neutral. ★★☆☆☆

HBAR may also compete in the field of RWA and enterprise blockchains.

If Solana expands its influence in the Japanese market, it may get caught up in the share battle in the RWA market.

XDC

The impact is neutral. ★★☆☆☆

XDC has strengths in niche fields such as trade finance.

There are parts that do not directly compete with Solana, but being outside the SBI ecosystem could be a relative weakness.

JASMY

The impact is neutral. ★★☆☆☆

JASMY is attracting attention as a crypto asset originating from Japan, but its direct connection to this SBI-Solana partnership is limited.

LINEA

The impact is neutral. ★★☆☆☆

LINEA is an L2 of the Ethereum camp.

Solana's growth may increase competitive pressure on Ethereum.

RENDER

The impact is slightly positive. ★★★☆☆

RENDER is related to two powerful themes: AI and Solana.

Considering that SBI is focusing on both AI and Solana,

AI × Solana × Japan

it may benefit from the triple theme.

A bullish scenario assuming a maximum upside potential of 200% is also conceivable.

Of course, this is also a future growth scenario and not a confirmed future.

ADA・DOT・ATOM

The impact is slightly negative. ★☆☆☆☆

This does not mean that these projects will disappear.

However, if the composition becomes one where institutional investor funds concentrate on Solana, capital inflows could become relatively weaker.

The crypto asset market is not just about simple "ups" and "downs."

Which assets are funds gathering in?

It is important to watch this capital movement.

Three assets to watch in the future: SOL, ONDO, and RENDER 🚀

Assuming this SBI-Solana partnership, I particularly want to watch SOL, ONDO, and RENDER.

SOL is the foundation of on-chain finance.

ONDO is RWA.

RENDER is AI and Solana.

Each has a different theme.

Combining these three,

Finance × RWA × AI × Solana

you can see themes that will attract attention in the future crypto asset market.

Of course, just because the theme is strong does not guarantee a price increase.

However, it is a very interesting combination when thinking about fields where funds are likely to gather.

Important milestones from 2026 to 2028 🗓️

From here on, I want to pay attention to the following events:

Q3 2026

Completion of the trade name change from SBI R3 Japan to SBI Solana Global.

October 2026

Scheduled completion of making Bitbank a wholly-owned subsidiary.

Q4 2026

The first product announcement regarding RWA or JPYSC on Solana is expected.

Within fiscal year 2026

The launch of "Strium Network," an L1 specialized in finance related to Startale Group, is scheduled.

2027

Tokenized assets for external investors may be issued for the first time.

2028

A change in capital gains tax on crypto assets from the current maximum of 55% to 20% is being aimed for.

What is important here is the implementation from 2027 onwards, rather than the announcement in 2026.

Will funds really flow in?

Will investors use it?

Will financial products become widespread?

This will determine the future of SOL and related assets.

Is the SBI-Solana partnership really bad news for XRP?

In conclusion, I believe it is "not a direct fatal blow to XRP."

SBI partnered with Solana.

This is a fact.

However, it does not mean that SBI has ended its relationship with Ripple or XRP.

SBI's strategy is likely not to bet everything on one specific asset.

XRP for payments.

Ondo for RWA.

Solana for on-chain finance.

Morpho for lending.

Anthropic for AI.

Use each separately.

This is a multi-chain, multi-protocol strategy.

Therefore, what XRP holders should be most careful about is market overreaction rather than the partnership itself.

There is a possibility that selling will concentrate in the short term and XRP will fall significantly.

At that time, has the long-term value of XRP really changed?

Or is it just market psychology?

It is necessary to judge calmly.

Will the SBI-Solana partnership be the starting gun for Japan-originated on-chain finance? 🇯🇵🚀

If you think of this partnership as just "news that SBI adopted Solana," it looks a bit small.

The essence is that major Japanese financial institutions are trying to fully utilize public blockchains as financial infrastructure.

In the Japanese financial industry until now, blockchain was strongly positioned as an experimental technology.

However, this may change in the future.

Tokenized government bonds.

Japanese Yen stablecoin.

DeFi for institutional investors.

On-chain securities.

Digital asset trading.

These may start moving as real financial services.

10 years of experience cultivated in Japan's permissioned blockchains.

The liquidity of Solana as a public chain is connected there.

This could truly be a historic turning point.

Points investors should pay attention to regarding the SBI-Solana partnership 🎯

I will summarize the points investors should pay attention to from this news.

The first is the actual use of SOL.

It is necessary to confirm not the partnership announcement, but how much Solana is actually used.

The second is JPYSC.

How the Japanese Yen stablecoin will be implemented is very important.

The third is RWA.

Pay attention to how far the tokenization of government bonds and stocks will progress.

The fourth is SBI's capital investment.

How much capital SBI will invest in Solana-related businesses in the future is also important.

The fifth is coexistence with XRP.

Pay attention to what role XRP will play in SBI's multi-chain strategy.

The sixth is the 2027 implementation.

Whether tokenized assets for external investors will actually be issued in 2027.

This could be a major turning point.

Summary: Will the SBI-Solana partnership change the Japanese crypto asset market? 🚀

The SBI-Solana partnership was not news that would cause the SOL price to surge in the short term.

The SOL price immediately after the announcement actually fell.

However, this does not mean that this partnership has no value.

The market is already looking at:

"What will actually be implemented," not "whether it was announced."

The first product will be announced within 2026, and tokenized assets for external investors will be issued from 2027 onwards.

If this flow becomes full-scale, the evaluation of the SBI-Solana partnership could change significantly.

The assets that may benefit the most from this partnership are SOL, ONDO, and RENDER.

On the other hand, XRP may be subject to psychological selling pressure in the short term.

However, it does not mean that the relationship between SBI and Ripple has ended.

XRP has not been completely excluded, and there is a possibility that it will survive while changing its role within SBI's multi-chain strategy.

Personally, I believe this SBI-Solana partnership is:

"Not a simple battle of XRP or Solana."

SBI uses XRP.

SBI also uses Solana.

SBI also uses Ondo.

SBI also uses Morpho.

SBI also uses AI.

They may be trying to build a huge financial ecosystem by combining necessary technologies.

And this is where the real work begins.

If you only look at the short-term price chart, this news might have looked like "material that makes you shrug."

However, when looking back in a few years,

"That SBI-Solana partnership was the beginning of Japan's on-chain finance"

it may be evaluated as such.

SOL: split purchase around $70 to $76.

XRP: consider buying the dip when it falls significantly.

ONDO: medium-term holding with the RWA theme.

RENDER: pay attention to the AI and Solana growth theme.

While thinking about such strategies, I want to follow the implementation status from 2026 to 2027.

The crypto asset market does not always move with flashy news.

Rather, truly big changes start quietly.

And when you notice, the era has already changed.

The SBI-Solana partnership may be news that holds such potential. 🌏

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