XRP’s Potential Surge: Analysts Eye $3.50 to $4.50 by Year-End Amid ETF Anticipation

As we approach the end of 2025, XRP is capturing significant attention in the cryptocurrency market, with analysts projecting a potential price surge to between $3.50 and $4.50. This optimism stems from the anticipated launch of several ETFs that include XRP, which could drive substantial adoption and liquidity. The token's notable price movement in November 2024, attributed to early accumulation ahead of ETF approvals, has since given way to a period of sideways trading. However, the future trajectory of XRP's price largely depends on the success and adoption of these ETFs. Investors and market watchers are closely monitoring these developments, as robust ETF performance could catalyze the next major rally for XRP. Stay tuned for further updates as the year unfolds.

XRP End-of-Year Predictions: $3.50 to $4.50 in Sight?

XRP is gaining renewed attention as several ETFs incorporating the token edge closer to launch. Analysts are scrutinizing the potential impact of these funds on XRP's market performance. The majority of XRP's price movement occurred in November 2024, reflecting early accumulation in anticipation of ETF approvals. Since then, the token has largely traded sideways.

Future price appreciation hinges on robust ETF adoption. Successful fund launches could necessitate additional XRP purchases to meet demand. Regulatory delays have postponed ETF debuts, but filings indicate sustained interest in including XRP in upcoming products. Ripple's escrow mechanism is unlikely to directly influence market prices, as ETF-related acquisitions will follow approved protocols rather than creating volatility.

Technical analysis shows XRP encountering resistance NEAR the $2.50 level, with bullish momentum indicators beginning to emerge. The first dedicated XRP ETF, slated for Q1 2026 under ticker XRP, could see initial funding reach billions—potentially requiring hundreds of millions in XRP acquisitions. While such inflows may provide price support, most analysts caution against expecting dramatic short-term spikes solely from ETF activity.

XRP Institutional Momentum Builds as Evernorth's $1B Public Debut and Schwartz Move Fuel Rally

XRP reclaimed the $2.40 threshold this week amid a surge of institutional interest. The rally follows two pivotal developments: Ripple CTO David Schwartz's transition to strategic advisor at Evernorth Holdings, and the investment firm's planned $1 billion Nasdaq listing through a SPAC merger.

Evernorth's public debut via Armada Acquisition Corp II (NASDAQ: AACI) will create the first XRP-focused traded vehicle (XRPN). Backers include SBI, Pantera Capital, and Ripple co-founder Chris Larsen. Proceeds will fund large-scale XRP acquisitions, signaling growing institutional conviction.

Schwartz's advisory role lends technical credibility to Evernorth's ambitions. "I'll be a strategic advisor to @evernorthxrp," he confirmed in an October 20 announcement, noting the firm's focus on "regulated, scalable investment vehicles" for XRP adoption.

SBI Invests $200M to Make XRP a Core Institutional Asset

SBI Holdings is spearheading institutional adoption of XRP with a $200 million investment aimed at building one of the largest XRP treasuries to date. The MOVE signals growing confidence in XRP's role as a cornerstone asset for institutional finance and decentralized applications.

The investment, executed via a private PIPE round, will fund open-market XRP purchases and establish a publicly accessible treasury. Ripple Labs endorsed the initiative, underscoring XRP's regulatory clarity and long-term utility. "This treasury will actively utilize institutional lending and DeFi to enhance asset value," SBI stated.

Evernorth Holdings Inc., the U.S. firm receiving SBI's investment, is preparing for a Nasdaq listing under ticker XRPN. The company focuses on large-scale XRP acquisitions, reflecting broader institutional momentum in digital assets.

XRP Price Retreats as Burn Rate Declines Amid Market Weakness

XRP extended its decline for a second consecutive day, dropping to $2.40—a 35% retreat from its July peak. The token's weakness aligns with broader crypto market lethargy and investor caution ahead of U.S. inflation data.

On-chain metrics reveal deteriorating fundamentals. The XRP Ledger's DeFi TVL slipped to $86 million from its $102 million YTD high, while DEX volumes halved to $6.1 million this month. Stablecoin market cap stagnates at $184 million, barely above its yearly floor.

Transaction activity tells a starker story. Daily network transactions collapsed to 1.12 million from July's 2.5 million peak. The burn rate mirrors this decline—daily token burns now average under 1,000 XRP, down from 4,500 in prior months. Cumulatively, just 14.2 million XRP ($32 million) has been permanently removed from circulation—a negligible fraction of its $147 billion market capitalization.

Technicals suggest potential inflection. The inverse head-and-shoulders pattern forming on charts contrasts with fundamental deterioration, setting up a tension between trader Optimism and on-chain reality.

Ripple CTO Warns of Surging Phishing Scams Targeting Crypto Investors

Ripple Chief Technology Officer David Schwartz has issued a stark warning about an escalating wave of phishing attacks aimed at cryptocurrency holders. The alert follows a high-profile theft of 1.2 million XRP tokens worth $3 million, exposing sophisticated tactics targeting seed phrase vulnerabilities.

Phishing campaigns now mimic hardware wallet providers, sending fraudulent security upgrade requests. "Never enter a hardware wallet's seed phrase into anything other than the hardware wallet itself," Schwartz emphasized in an October 21 social media post. The scams exploit trust in established brands to steal recovery phrases, with irreversible consequences for victims.

The $3 million XRP heist demonstrates the growing sophistication of these attacks. Security experts urge investors to implement multi-factor authentication and verify all wallet-related communications through official channels.

XRP on Track for Major Price Surge as Institutional Interest Grows

XRP is poised for a significant price surge following a decisive breakout from a symmetrical triangle pattern on October 21, 2025. The move has ignited bullish sentiment among traders, with technical indicators suggesting a sustained upward trajectory. Fibonacci extension levels project potential targets at $8, $13, and $27, contingent on XRP maintaining critical support levels.

The alignment of the breakout with the Gaussian Channel's upper boundary reinforces the bullish case. Analysts like Egrag crypto emphasize XRP's stability, countering bearish concerns. Institutional interest continues to grow, adding fundamental weight to the technical outlook.