XRP Price Prediction: Will XRP Hit $3 Amid Technical Strength and Institutional Adoption?

#XRP

• XRP trading above key moving averages with bullish technical positioning
• Growing institutional adoption through Ripple partnerships and fund inflows
• Regulatory clarity emerging from international court rulings despite U.S. delays

XRP Price Prediction

Technical Analysis: XRP Shows Bullish Momentum

XRP is currently trading at $2.64, above its 20-day moving average of $2.50, indicating positive short-term momentum. The MACD reading of 0.1133 versus the signal line at 0.1995 shows some divergence but remains in positive territory. The price sits comfortably between the Bollinger Band middle line at $2.50 and the upper band at $2.81, suggesting room for upward movement. According to BTCC financial analyst Ava, 'The technical setup supports a test of the $2.80 resistance level in the NEAR term.'

Fundamental Drivers: Institutional Adoption Gains Momentum

Ripple Swell 2025 attracting major financial institutions like BlackRock and Nasdaq demonstrates growing institutional confidence. While XRP ETF approvals face delays due to the U.S. government shutdown, the Osprey Fund surpassing $100M indicates strong investor interest. The Indian court recognizing cryptocurrencies as property provides regulatory clarity. BTCC financial analyst Ava notes, 'The fundamental landscape remains constructive despite temporary regulatory hurdles.'

Factors Influencing XRP's Price

Ripple Swell 2025 Attracts Major Financial Institutions Including BlackRock and Nasdaq

Ripple Swell 2025, set for November 4-5 in New York with a welcome reception on November 3, is poised to be the most significant iteration yet. The event comes amid accelerating institutional adoption of cryptocurrencies, with Ripple securing an unprecedented lineup of speakers from top-tier financial entities.

For the first time, the conference will feature representatives from the WHITE House alongside executives from BlackRock, Nasdaq, Bloomberg, and Citi. Notable participants include Maxwell Stein, BlackRock's Director of Digital Assets; Adena Friedman, CEO of Nasdaq; Sandy Kaul, Franklin Templeton's Head of Innovation; and Hunter Horsley, CEO of Bitwise Asset Management.

The roster underscores traditional finance's deepening engagement with crypto. Senior figures from Fidelity, JPMorgan Chase, Mastercard, CME Group, Moody’s, and Société Générale will also take the stage—a clear signal of institutional momentum building around XRP and blockchain solutions.

Ripple CEO Highlights Strategic Acquisitions Amid XRP Ledger Growth

Ripple CEO Brad Garlinghouse has outlined the company's top five acquisitions, underscoring their role in bolstering the XRP Ledger's global footprint. The deals—GTreasury, Rail, Standard Custody, Metaco, and the newly rebranded Ripple Prime (formerly Hidden Road)—were executed within two years, each targeting critical financial infrastructure.

Garlinghouse positions XRP as the cornerstone of Ripple's ecosystem, integral to its vision of an 'internet of value.' The acquisitions focus on liquidity management, custody, and settlement solutions, designed to streamline institutional adoption of Ripple's payment technology.

The XRP Ledger's rising activity coincides with these strategic moves, signaling Ripple's aggressive push to dominate cross-border value transfer. Market observers note the firm's deliberate alignment of acquisitions with XRP's utility—a calculated play for long-term dominance in crypto-enabled finance.

XRP ETF Approvals Delayed Amid U.S. Government Shutdown, Osprey Fund Surpasses $100M

The timeline for additional XRP exchange-traded funds (ETFs) in the U.S. faces delays as the federal government shutdown enters its 26th day, freezing the Securities and Exchange Commission's (SEC) review process. Franklin’s XRP ETF decision has been postponed to November 14, with other deadlines expected mid-to-late November once the SEC resumes operations.

Despite the regulatory stall, the REX-Osprey XRP ETF (XRPR) has crossed a significant milestone, accumulating over $100 million in assets. This underscores robust market interest in XRP, even as the token tests key resistance levels that could propel it to $6 or trigger a pullback to $2.

Trading volumes for XRP remain volatile, reflecting broader uncertainty tied to macroeconomic headwinds and crypto-specific regulatory hurdles. The shutdown’s ripple effects now extend to digital asset innovation, leaving investors to weigh Osprey’s bullish accumulation against delayed institutional adoption.

Long-Term Chart Indicates XRP On Track To Reach $15

Ripple's XRP has retreated to $2.60 after peaking at $3.65 in July, weighed down by macroeconomic pressures and investor profit-taking. Despite the current bearish sentiment, the token's trajectory remains noteworthy—having surged over 400% from its $0.50 valuation just a year ago.

Pseudonymous analyst Milkybull projects a bullish long-term target of $15, with an intermediate rally to $7 representing a 170% upside. The prediction arrives as XRP trades sideways, suggesting accumulation before what the analyst terms a "final expansion phase." Market dynamics continue to defy expectations, reinforcing crypto's reputation for volatility and opportunity.

Indian Court Rules Cryptocurrencies as Property, Blocks WazirX From Using User's XRP

The Madras High Court of India has delivered a landmark ruling, classifying cryptocurrencies as property under law. This decision marks the first clear legal recognition of digital assets in the country, setting a precedent for future cases.

Justice N. Anand Venkatesh barred WazirX, India's largest crypto exchange, from redistributing a user's 3,532 XRP to cover losses from its $234 million hack in July 2022. The court rejected the exchange's "socialization of losses" proposal, which sought to spread the loss across all users.

"It is not a tangible property nor is it a currency," Justice Venkatesh wrote. "However, it is a property, which is capable of being enjoyed and possessed in a beneficial form." The ruling confirms that crypto assets held by exchanges remain client-owned property, not platform assets available for redistribution.

Will XRP Price Hit 3?

Based on current technical indicators and fundamental developments, XRP shows strong potential to reach $3. The price at $2.64 is already above key moving averages, and the upper Bollinger Band at $2.81 presents the next resistance level. With institutional adoption accelerating through events like Ripple Swell 2025 and growing fund inflows, the momentum appears favorable.

While ETF delays present short-term headwinds, the overall trajectory suggests $3 is achievable within the current market cycle, particularly if institutional participation continues to expand.