Ripple Price Prediction: Can XRP Challenge SWIFT and Trigger $1T Liquidity?
After a volatile summer, Ripple’s XRP is showing signs of renewed strength, with whale accumulation, regulatory clarity, and mounting...
Quick overview
- Ripple's XRP is experiencing renewed strength due to whale accumulation, regulatory clarity, and speculation around ETF approvals.
- After a volatile summer, XRP rebounded above $3, with technical indicators suggesting a potential rise to $5 by year-end.
- Institutional interest is growing, with significant inflows into Bitcoin ETFs and expectations that XRP could disrupt traditional payment systems.
- Large investors have been accumulating XRP, with recent transfers indicating bullish sentiment ahead of potential Federal Reserve decisions.
Live XRP/USD Chart
After a volatile summer, Ripple’s XRP is showing signs of renewed strength, with whale accumulation, regulatory clarity, and mounting speculation over ETF approval fueling hopes for another major rally.
Resilience in Technology and Market Recovery
XRP reached $3.65 in July, riding dovish Federal Reserve sentiment, growing expectations for an ETF, and a long-awaited resolution in its legal battle with the SEC. August brought a retracement below $3, but September has seen a rebound as technical signals point to a re-emerging bullish trend.
The 20-week SMA remains a solid floor, with strong support in the $2.70–$2.80 range. The stochastic oscillator suggests oversold conditions, and a doji candlestick pattern in early September hints at continued upside momentum. With Fed rate cut odds near 99%, XRP has regained ground above $3, building a technical setup that some analysts believe could push the token to the $5 threshold by year-end.
Macro Tailwinds and ETF Context
Weaker U.S. economic data and the Fed’s dovish stance are boosting flows into cryptocurrencies. Markets now anticipate at least a 25 basis point rate cut, while some traders are betting on a larger 50 bps move. Institutional flows are also picking up: Bitcoin ETFs pulled in $246 million at the start of September, with BlackRock and Fidelity leading the pack.
Interestingly, XRP has outperformed both Bitcoin and Ethereum in recent days, gaining 7.5% in just three sessions, while Bitcoin remained relatively muted despite a record 14.3 million BTC in illiquid supply. This divergence underscores XRP’s growing relative strength and appeal to investors looking for altcoin opportunities.
Ripple Chart Weekly – The Support Held After the Pullback
Institutional Attention and ETF Prospects
Morgan Stanley analysts argue that XRP’s technology could disrupt traditional cross-border payment systems like SWIFT, potentially unlocking up to $1 trillion in liquidity for the XRP ecosystem. By slashing transaction costs by as much as 60%, Ripple’s network could free up dormant bank capital and position XRP as a viable global payments alternative.
BlackRock’s interest has only intensified these expectations. While no XRP ETF filing has yet been made, the asset manager’s Director of Digital Assets, Maxwell Stein, will speak at Ripple’s Swell 2025 conference in New York this November alongside Nasdaq CEO Adena Friedman. This appearance has fueled speculation that BlackRock may eventually file for an XRP ETF, especially after the SEC case was resolved in Ripple’s favor.
Although the SEC recently pushed back ETF deadlines for multiple altcoins—including XRP—until November, optimism remains. Industry voices, including Nate Geraci of the ETF Store, believe that with regulatory hurdles cleared, XRP is next in line after Bitcoin and Ethereum.
Whale Accumulation and Market Sentiment
Large investors have bolstered the recovery narrative by steadily accumulating XRP. Wallets holding between 10–100 million tokens added nearly 340 million XRP in just two weeks, bringing collective holdings to 7.84 billion. A recent $700 million transfer to Kraken sparked speculation about whale positioning ahead of the Fed’s decision. Historically, such moves have preceded significant price swings.
Adding fuel to the bullish case, AI-based models—like those from China’s DeepSeek—project that XRP could climb to $5 by Q4 2025, supported by institutional adoption and its growing correlation with Ethereum’s price trajectory.
Outlook: XRP’s rebound above $3 reflects a blend of regulatory clarity, renewed whale activity, and optimism for future ETF approvals. While uncertainty remains around timing, the convergence of macroeconomic support, institutional inflows, and Ripple’s expanding role in global payments sets the stage for what could be its next defining breakout.
Ripple Live Chart
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