XRP’s push toward $3 is pulling the payments-token trade back into focus just as Remittix opens its final $0.46 presale stage and begins live testing of its PayFi product with 1,000 invited users.
XRP Nears $3 as Remittix Opens $0.46 Presale

The comparison matters because XRP and RTX are pitching the same broad theme from different starting points: crypto that can move money. XRP, already one of the market’s largest tokens, would need roughly a 95% gain from about $1.54 to reach $3, while Remittix is asking investors to underwrite an early-stage payments platform before it launches on Nov. 24.
For XRP, the case is still mostly about market demand and whether traders are willing to pay up for a mature asset with a recognized cross-border transfer narrative. The token has spent much of the recent stretch below its nearer resistance levels, with technical readings showing it trading around $1.49 and its 50-day moving average at $1.38, while RSI has improved to 60.9 after a weaker winter. That leaves $1.70 as an early recovery marker before any serious attempt at $3 can come into view.
Remittix is trying to sell a different story. Its PayFi service aims to let users receive supported crypto and convert it into fiat sent to compatible bank accounts, starting with EUR and USD testing for invited RTX holders. If the first users keep coming back, the economics shift from a presale narrative to recurring transaction volume, which is where payment businesses are typically valued.
The opportunity set is large enough to matter if execution holds. The World Bank estimated remittances at $856 billion in 2024, and even a 0.1% share of that flow would imply nearly $1 billion in annual transfers moving through the platform. Remittix says it has more than 40,000 presale participants, over 10,000 iOS wallet downloads and more than $50 million in cumulative trading volume, numbers that suggest a base of users before the product is fully live.
That is why the next few weeks matter for both tokens. XRP needs sustained buying through the $1.70 area to keep a $3 target credible, while RTX now has to prove that its wallet, trading activity and PayFi transfers can reinforce one another into repeat usage. For investors, the immediate question is whether the payments trade is being repriced around an established token with a hard-fought market or around a newer platform that still has to convert curiosity into cash flow.
| Entity | Gains | Losses |
|---|---|---|
| XRP holders | ▲Upside if token re-rates toward $3 | ▼Missed breakout if demand stalls |
| Remittix early buyers | ▲Early exposure to PayFi adoption | ▼Execution risk before Nov. 24 launch |
| Crypto payment users | ▲More transfer options and fiat rails | ▼Product friction if testing disappoints |
| Competing remittance networks | ▲Pressure to defend fees and speed | ▼Share if low-cost crypto flows scale |


