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XRP Rockets 400% in 12 Months: $4 Target After Fed Rate Cut?

XRP Rockets 400% in 12 Months: $4 Target After Fed Rate Cut?

Published:
2025-09-04 16:04:00
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XRP just pulled off a staggering 400% surge—now traders eye the $4 horizon as rate cuts loom.

The Macro Catalyst

Interest rate cuts typically inject liquidity into risk assets—crypto included. XRP's massive rally positions it as a prime candidate for explosive moves when monetary policy shifts.

Market Mechanics & Momentum

Speculation fuels rallies, but sustained growth requires adoption. XRP's underlying utility in cross-border payments gives it foundational strength beyond pure speculation.

Regulatory Wildcards

Never underestimate regulators' ability to throw cold water on a hot market—because nothing says 'financial innovation' like bureaucratic delays and sudden crackdowns.

Will XRP hit $4? If momentum holds and macro conditions align, this rocket might just have enough fuel—but in crypto, expect the unexpected.

XRP price chart

Source: CoinGecko

Will XRP Hit $4 After an Interest Rate Cut?

XRP Buy Now Ahead of October

Source: InsideBitcoins

Interest rate cuts often lead to investors making more risky investments as borrowing becomes easier. We are less than two weeks away from the Federal Reserve’s next rate announcement. According to CME’s FedWatch tool, there is a 97.6% chance that the Federal Reserve will cut interest rates by 25 basis points. Such a development could lead to XRP witnessing a massive price surge.

Interest rate cut chances

Source: CME

XRP has to rally by 41.84% to hit the $4 target from current price levels. While the required growth may seem significantly large, it is not something the asset has not delivered before. XRP hit an all-time high of $3.65 on July 18. The asset’s price has fallen by 22.7% from its July peak. If XRP reclaims its all-time high level once again, it may very easily breach the $4 target.

There is also a high chance that the SEC will approve a spot XRP ETF sometime this year. An ETF approval will likely lead to a surge in institutional inflows for the asset. Institutional money has been a key driver for Bitcoin (BTC) and ethereum (ETH) this cycle. A similar pattern could emerge for XRP as well. Such a development could propel XRP’s price beyond the $4 mark.

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