XRP Price Surge: Can It Shatter Its ATH Before the Fed’s Next Rate Cut?
XRP bulls are charging—but will the Fed play spoiler?
As the crypto market holds its breath for the next Federal Reserve decision, one question dominates: Can XRP defy gravity and smash its all-time high before rates drop? The stakes couldn't be higher for this digital asset, caught between institutional adoption and the Fed's monetary poker game.
The macro paradox
Traditional finance types keep waiting for 'sound money' while printing presses hum in the background. Meanwhile, XRP's utility in cross-border payments keeps building real-world traction—even as speculators treat it like a leveraged bet on monetary policy.
Liquidity vs. legacy
Bankers hate to admit it, but the speed and efficiency of digital assets like XRP make SWIFT look like a telegram service. With Ripple's legal clarity and growing partnerships, the network effect could trigger fireworks—if the Fed doesn't rain on the parade first.
Will history rhyme?
Past cycles show crypto rallies often peak before rate cuts. But this time, with institutional flows and regulatory clarity changing the game, XRP might just write its own rules. Or get written off as another casualty of central bank whims—because nothing says 'financial innovation' like watching unelected officials dictate market rhythms.
XRP has finally broken past the $3 mark after dipping below for the first time in this month. With growing chances of a U.S. Fed rate cut and increasing hopes for an XRP ETF, experts now say the token might reach $4 to $7 even before 2026.
Let’s break down!
XRP Price Today
XRP recently jumped to $3.01, gaining over 7% in a single day. It briefly dipped below $3 during market volatility but quickly bounced back, showing strong confidence from buyers.
This MOVE is more than just a price increase. For a long time, $3 was seen as a barrier. Now, the market is starting to treat it as a new foundation, not a ceiling, something XRP can build on. That change in mindset could open the door to much higher price targets.
FED Rate Cut In Sept-2025
The Federal Reserve hasn’t touched interest rates in months, keeping them between 4.25% and 4.50% since December 2024. But things may be going to change soon.
As a disappointing U.S. jobs report in July 2025 has raised the chances of a rate cut in September from 37% to over 83.5%, according to the CME FedWatch Tool, and this matters for XRP.
A Fed rate cut could drive more money into crypto, especially coins that are already showing strength. XRP is now on that list.
XRP ETF Approval Odds Surge
Another major reason behind the bullish mood is the rising possibility of an XRP ETF being approved by the end of 2025. According to Polymarket, the odds have jumped to 87%.
Adding to that, Nate Geraci, president of NovaDius Wealth, believes BlackRock could be the one to launch it. With a BlackRock crypto executive set to speak at Ripple’s upcoming Swell conference, expectations are heating up.
XRP Price Prediction: $4 to $7 Before 2026?
With economic data softening and XRP holding strong above $3, market watchers believe a breakout toward $4 or higher is very likely. An XRP community on Reddit even predicts that XRP could jump to $7 before 2026, especially if demand surges ahead of the Fed’s move.
If momentum continues and the Fed eases policy soon, XRP might not just test its all-time high; it could set a new one.
