XRP Price Prediction 2025-2040: Navigating Short-Term Headwinds for Long-Term Growth

#XRP

• Current technical analysis shows XRP testing key support levels with mixed momentum indicators
• Market sentiment balances positive ETF developments against significant supply pressure
• Long-term price projections account for both regulatory hurdles and adoption potential

XRP Price Prediction

Technical Analysis: XRP Shows Mixed Signals Amid Key Level Test

XRP is currently trading at $2.0658, testing the lower Bollinger Band support level. According to BTCC financial analyst Michael, 'The price sitting at the lower Bollinger Band while below the 20-day moving average of $2.3176 suggests potential oversold conditions. However, the MACD reading of -0.0013 indicates weakening momentum, which could lead to further consolidation before any significant upward movement.'

Market Sentiment: Regulatory Developments Offset by Structural Challenges

Despite positive developments including the launch of the first U.S. XRP Option Income ETF and proposed native staking for XRP Ledger, market sentiment remains cautious. BTCC financial analyst Michael notes, 'The ETF inflows and staking proposal are fundamentally positive, but they're being overshadowed by the fact that 42% of XRP supply is currently unprofitable. This creates significant selling pressure that's breaking through key support levels.'

Factors Influencing XRP's Price

XRP Stumbles Despite ETF Inflows, Price Breaks Below $2.20 Support

XRP extended its losing streak with a 1% drop today, pushing its seven-day decline to 11.2%. The sell-off comes despite $270 million in cumulative ETF inflows, highlighting growing market skepticism. Only 58.5% of holders remain in profit—a troubling threshold that could trigger cascading liquidations.

Canary's XRPC ETF recorded $25.4 million inflows on November 18, while Franklin Templeton's new EZRP fund failed to MOVE markets. The divergence between capital flows and price action suggests institutional interest isn't translating into bullish momentum. Traders now watch the $2.10 level as critical support.

XRP Faces Selling Pressure as 42% of Supply Turns Unprofitable

Ripple's XRP has entered a precarious phase following a year of significant supply turnover. The latest market downturn has left 42% of XRP holders underwater, with only 58% remaining in profit—a sharp decline from October's 90% profitability rate. This rapid shift in holder economics coincides with XRP's drop to $2.19 after weeks of sideways movement.

Whale activity has exacerbated the pressure, with long-term holders capitalizing on bullish periods to offload positions. The current profit distribution mirrors November 2024 levels, when XRP began its ascent from $0.50 to over $1 before peaking above $3 in 2025. Retail sentiment remains subdued as the market digests this redistribution of holdings.

Amplify Launches First U.S. XRP Option Income ETF (XRPM) Targeting 36% Annual Yield

Amplify ETFs has debuted the XRP Option Income ETF (XRPM) on the CBOE BZX exchange, marking the first U.S. fund of its kind tied to the volatile cryptocurrency. The product aims to generate monthly distributions of 3%—approximately 36% annually—through covered call strategies on XRP-related assets.

The fund launched with $750,000 in initial assets and carries a 0.75% expense ratio. XRP's historical volatility, exceeding five times that of the S&P 500, creates premium opportunities for the strategy. Amplify positions XRPM as a bridge between crypto exposure and income generation, capitalizing on growing demand for yield products in digital assets.

Ripple Developer Proposes Native Staking for XRP Ledger

Ripple developer J. Ayo Akinyele, backed by CTO David Schwartz, has introduced a proposal to integrate native staking into the XRP Ledger (XRPL). The move aims to enhance rewards as XRP adoption grows through digital asset treasuries and ETFs.

Akinyele's blog post highlights two critical requirements for implementation: a sustainable source of staking rewards and an equitable distribution mechanism. Current transaction fee burning—designed to maintain deflationary supply—would need reevaluation to accommodate staking incentives.

The proposal challenges XRPL's existing design principles, suggesting programmable fees could feed a rewards pool. This development could reshape value circulation within the network while addressing scalability and participation incentives.

XRP Price Predictions: 2025, 2030, 2035, 2040 Forecasts

Based on current technical indicators and market developments, XRP faces near-term challenges but maintains long-term growth potential. According to BTCC financial analyst Michael, 'The current technical setup suggests consolidation in the $1.80-$2.50 range through 2025, with broader adoption and regulatory clarity driving gradual appreciation thereafter.'