XRP Price Prediction: Is It a Good Investment in 2025?

#XRP

• Technical Indicators: MACD and Bollinger Bands suggest a tug-of-war between bears and bulls.
• Regulatory Developments: SEC settlement and Ripple''s banking license could be game-changers.
• Market Sentiment: High volatility expected due to conflicting headlines and whale activity.

XRP Price Prediction

XRP Technical Analysis: Key Indicators to Watch

According to BTCC financial analyst James, XRP is currently trading at 2.1601 USDT, slightly below its 20-day moving average (MA) of 2.2101. The MACD indicator shows a bearish crossover with a value of -0.0350, suggesting potential short-term downside pressure. However, the Bollinger Bands indicate that XRP is trading NEAR the lower band (2.0813), which could signal an oversold condition and a possible rebound. James notes that a break above the middle band (2.2101) could pave the way for a test of the upper band at 2.3390.

XRP Market Sentiment: Mixed Signals Amid Regulatory Developments

BTCC financial analyst James highlights the mixed sentiment surrounding XRP. On one hand, headlines like ''XRP''s 600% Surge Rewards Patient Holders'' and ''Ripple: 5 Catalysts That Could Drive xrp price Beyond $15'' reflect bullish optimism. On the other hand, news of ''XRP Price Dips 2.6% Amid SEC Settlement Uncertainty'' and ''Whales Retreat'' suggests caution. James emphasizes that regulatory developments, such as Ripple''s potential banking license and the SEC settlement, will be critical in determining XRP''s next major move.

Factors Influencing XRP’s Price

XRP''s 600% Surge Rewards Patient Holders After Years of Setbacks

XRP emerged as the top-performing major cryptocurrency during a recent market upswing, rallying nearly 600% between November 2024 and January 2025. The token skyrocketed from $0.11 to $0.75, with increased trading volume indicating fresh capital inflows.

Market commentator John Squire highlighted the significance of XRP holders'' perseverance through seven years of price struggles and legal battles. "If patience was a crypto token, XRP holders would already be billionaires," he noted, referencing the token''s history of volatility.

The rally contrasts sharply with XRP''s turbulent past. After peaking at $3.84 in January 2018 following a 68,000% surge, the token endured a 97% collapse by March 2020. Subsequent recovery attempts were undermined by regulatory challenges, including a December 2020 SEC lawsuit that triggered a 67% monthly decline.

XRP Price Dips 2.6% Amid SEC Settlement Uncertainty

XRP slid 2.6% this week despite growing Optimism about a potential Ripple-SEC settlement. The token now trades near $2.17 with $1.77 billion in daily volume, showing modest 0.35% gains today. Market weakness and profit-taking have overshadowed hopes for reduced regulatory pressure.

A proposed deal WOULD slash Ripple''s penalty from $125 million to $50 million while dissolving the injunction. Judge Analisa Torres, however, demands justification for overturning her earlier ruling. Attorney John Deaton estimates 70% approval odds, but the uncertainty keeps bulls hesitant.

Until the court delivers clarity, legal ambiguity continues to suppress momentum. Traders remain sidelined, weighing settlement prospects against broader market headwinds.

Coinbase Moves Nearly 27 Million XRP Internally as Trading Volume Declines

Coinbase executed a significant internal transfer of 26.89 million XRP tokens on June 15, 2025, valued at approximately $57 million. The transaction, originating from a cold storage wallet labeled ''Coinbase (Cold 48)'' and directed to an institutional account, suggests potential institutional activity. Blockchain records confirm the transfer was completed without deviation, with a negligible fee of 0.00001 XRP.

XRP''s trading volume declined by 34.72% as the price slipped below the key resistance level of $2.18. Short-term support has formed NEAR $2.10, while the circulating supply remains steady at 58.88 billion tokens. The movement of such a large volume of XRP by Coinbase could indicate rising institutional interest or upcoming trading activity.

XRP Faces Sustained Selling Pressure as Whales Retreat

XRP has declined for four consecutive days, dropping from $2.33 to $2.08 amid dominant sell-side activity. The altcoin now tests critical support at $2, with a breach potentially opening the path toward $1.90.

Whale behavior signals growing impatience—large holders have driven recent spot market transactions, with one entity transferring $57.7 million worth of XRP to Coinbase. Exchange netflows turning positive further confirm distribution pressure, creating headwinds for any near-term recovery.

Ripple: 5 Catalysts That Could Drive XRP Price Beyond $15

Ripple (XRP) emerges as a standout in the cryptocurrency landscape, currently trading at $2 with potential to reach $15. The token''s growth is tied to Ripple''s expanding role in cross-border payments and global financial integrations.

Central Bank Digital Currencies (CBDCs) present a significant opportunity. Nations like India, Japan, and China are experimenting with blockchain-based digital currencies. XRP''s integration into CBDC issuance and settlement could propel its value dramatically.

Ripple''s On-Demand Liquidity (ODL) solution remains a game-changer for international transactions. Its adoption by financial institutions could further cement XRP''s utility and market position.

Ripple May Secure a Banking License and Transform Into a Full-Fledged Bank

Greg Kidd, an early Ripple investor and former U.S. congressional candidate, is drafting a digital-only bank charter that could pave the way for Ripple to operate as a certified bank. The proposed framework focuses on deposit-taking and payments, eliminating the need for physical branches or lending operations.

Ripple''s existing alignment with major banking systems positions it to leverage this potential license for enhanced cross-border payment solutions. The company''s ongoing legal battle with the SEC shows signs of resolution, with attorney John Deaton estimating a 70% chance of settlement approval.

Kidd''s initiative at the XRP Las Vegas 2025 conference targets fintech companies and blockchain firms seeking regulated banking access. While not officially representing Ripple, his charter proposal could significantly lower barriers to entry for digital asset companies in traditional finance.

SEC and Ripple Seek Court Approval to Alter $125 Million Escrow Fund Structure

Ripple and the U.S. Securities and Exchange Commission (SEC) have returned to court, requesting modifications to a $125 million escrow fund established for settlements. The five-year legal battle has seen reduced tensions in recent months, coinciding with crypto-friendly developments under the TRUMP administration. Both parties now face the challenge of persuading the court to amend an initial injunction tied to the final judgment.

The SEC''s 2020 lawsuit accused Ripple of conducting $1.3 billion in unregistered XRP sales. A pivotal July 2023 ruling declared secondary XRP sales non-securities transactions, marking a win for the crypto industry. However, the August 2024 final judgment mandated a $125 million penalty for violations of the Securities Act of 1993, placing the funds in escrow pending case resolution. Appeals from both sides were paused on April 16, 2025, following reports of a potential agreement.

XRP Price Surge Triggers Short Liquidations Amid Bullish Signals

XRP is gaining momentum in the crypto market, with its price climbing from $2.12 to $2.18 within 24 hours. This uptick has forced short traders to liquidate positions, resulting in $151,020 in losses over the past hour. Long traders, meanwhile, saw minimal setbacks at just $8,060, reflecting expectations of consolidation rather than sharp volatility.

The token now eyes a retest of the $2.30 resistance level, trading at $2.17 with a 1.79% daily gain. Despite a 42.78% drop in trading volume to $2.51 billion, technical indicators remain bullish. XRP sits firmly on its 200-day moving average—a historical support level—while network growth surges with 9,000 new wallets created in two days.

Liquidation pressures, robust technical support, and expanding adoption paint an optimistic outlook. A volume resurgence could catalyze the next leg toward $2.30, marking a potential breakout phase for the asset.

Ripple Resumes RLUSD Minting Amid Crypto Market Slowdown

Ripple Treasury has minted 19 million RLUSD stablecoins after a 49-day hiatus, signaling a potential strategic play during market turbulence. The first tranche of 12 million tokens appeared on June 13, followed by 7 million the next day—marking the first activity since April 2025.

Despite the supply increase, RLUSD''s trading volume plunged 69% to $62.26 million, reflecting broader crypto weakness. Bitcoin, Ethereum, and XRP all retreated as global macroeconomic uncertainty dampened sentiment across digital asset markets.

The minting revival coincides with Ripple''s recent regulatory win in Dubai and a major exchange listing. Market observers suggest this could be preparatory positioning for eventual demand recovery, though current conditions show stablecoins losing their typical haven appeal during volatility.

Singapore’s Trident Digital Aims for $500M XRP Treasury Initiative

Singapore-based Trident Digital (TDTH), a Nasdaq-listed tech firm, has unveiled plans to raise up to $500 million to establish one of the world’s first corporate treasuries centered around XRP. The initiative, slated for deployment in late 2025 pending regulatory approvals, will focus on long-term XRP holdings, yield generation through staking, and deeper integration with Ripple’s ecosystem via developer partnerships.

U.S.-based Chaince Securities will advise on the capital raise, which will leverage equity sales, private placements, and structured instruments. CEO Soon Huat Lim positioned the MOVE as a strategic bet on digital assets reshaping corporate finance: "We see digital assets as key enablers in the evolution of the global financial landscape."

The effort marks a rare institutional embrace of XRP, contrasting with Bitcoin’s corporate adoption by firms like MicroStrategy. Success would place XRP among a select group of tokens held as treasury assets by public companies.

Trident Digital Commits $500 Million to Build XRP Reserve Amid Market Volatility

Trident Digital announced a $500 million initiative to build a corporate XRP reserve, signaling strong institutional confidence in Ripple''s ecosystem. The financing plan combines equity issuance, private placements, and structured instruments, with deployment targeted for late 2025. Chaince Securities will advise on regulatory compliance.

Despite the bullish move, Trident''s stock (TDTH) fell sharply yesterday amid geopolitical tensions, dragging XRP''s price down concurrently. The firm plans to stake its XRP holdings for yield generation rather than passive accumulation.

This follows Webus'' recent $300 million XRP treasury plan, highlighting growing corporate adoption. "Blockchain will redefine capital allocation and cross-border value transfer," said CEO Soon Huat Lim, positioning the reserve as a blueprint for public companies entering DeFi.

Is XRP a good investment?

According to BTCC financial analyst James, XRP presents both opportunities and risks. Below is a summary of key factors:

James advises investors to monitor the SEC settlement and whale activity closely, as these could dictate short-term price movements.