XRP Price Prediction: Will It Reach $3 in 2025?

#XRP

• XRP shows bullish technical setup with MACD positive divergence
• Fundamental developments (DEX, real estate use) provide strong support
• $3 target achievable if price breaks through $2.325 resistance

XRP Price Prediction

XRP Technical Analysis: June 2025 Outlook

According to BTCC financial analyst Emma, XRP is currently trading at $2.175, slightly below its 20-day moving average of $2.1813. The MACD indicator shows bullish momentum with a positive histogram value of 0.0112. Bollinger Bands suggest a potential breakout if price surpasses the upper band at $2.3251, while support lies at $2.0375.

Market Sentiment: XRP Shows Strong Fundamentals

Emma from BTCC notes that XRP is benefiting from multiple positive developments: institutional adoption through Ripple's permissioned DEX, real estate integration in the US, and growing retail interest. While the $1000 price prediction appears exaggerated, the combination of technical indicators and fundamental developments creates a favorable environment for XRP.

Factors Influencing XRP's Price

Veteran Trader Shifts $7K to Kaanch After 37,000% XRP Gains

A trader who turned $700 into a six-figure sum through XRP's historic rally is now betting big on Kaanch, committing $7,000 after analyzing the Layer 1 blockchain's roadmap. The move signals growing institutional-style conviction in emerging protocols.

Kaanch's presale has raised $2.6 million at $0.64 per token, with three days remaining before price doubles at exchange listing. The project offers 30% APY staking—a hybrid appeal to both yield farmers and long-term holders.

Market observers note the protocol's 0.8-second finality time positions it as a potential 2025 leader. Such technical benchmarks increasingly dictate capital allocation in the competitive Layer 1 space.

Ripple Doesn’t Control XRP? John Deaton Says It’s Decentralized

The long-standing debate over XRP's centralization has reached a turning point as regulatory clarity emerges in the U.S. Critics have often pointed to Ripple's 40% holdings of XRP supply as evidence of control, but this argument misinterprets the token's underlying mechanics. Crypto attorney John E. Deaton emphasized on June 26 that 75,000 XRP holders across 143 countries demonstrate robust decentralization, separating token ownership from protocol governance.

Legal developments have further solidified XRP's status. The conclusion of Ripple's nearly five-year SEC lawsuit on May 8, 2025 delivered a watershed moment — the court affirmed XRP's non-security status in secondary markets while imposing only a reduced penalty. This ruling effectively dismantles the centralization narrative that has shadowed the cryptocurrency since 2020.

U.S. Approves Cryptocurrency for Mortgage Collateral, Marking Major Financial Integration Milestone

The U.S. Federal Housing Finance Agency (FHFA) has greenlit the use of cryptocurrencies as collateral in mortgage applications, signaling a pivotal shift toward digital asset adoption in traditional finance. Homebuyers can now declare crypto holdings alongside conventional assets like stocks and bonds to bolster creditworthiness. Exchange-rate documentation will be required to address volatility concerns.

At XRP's current price of $2.19, purchasing a median-priced $420,000 U.S. home would require approximately 192,000 tokens. A standard 20% down payment translates to 38,400 XRP—figures that fluctuate with market movements, necessitating real-time valuation updates during transactions.

Permissioned DEX Goes Live on XRPL: Top Features to Know!

Ripple has launched a Permissioned Decentralized Exchange (DEX) on the XRP Ledger, targeting regulated financial institutions. This move bridges the gap between decentralized finance and compliance, allowing approved entities to trade within a controlled environment while still supporting permissionless assets like XRP and stablecoins.

SBI Group CEO Yoshitaka Kitao highlighted the development, emphasizing its potential to unlock institutional access to DeFi. The permissioned DEX operates independently on the XRPL, offering unlimited trading pairs and maintaining strict regulatory adherence—a critical step toward broader crypto adoption.

Ripple Launches Permissioned DEX for Institutional Crypto Trading on XRP Ledger

Ripple has unveiled a permissioned decentralized exchange (DEX) on the XRP Ledger (XRPL), targeting regulated financial institutions. The platform restricts trading to whitelisted participants within designated "Permissioned Domains," ensuring compliance without sacrificing market depth or transparency. SBI Group CEO Yoshitaka Kitao announced the initiative, marking Ripple's first concrete step toward institutional DeFi.

The XRPL can host multiple permissioned DEXs simultaneously, each with segregated order books for XRP, stablecoins, or wrapped assets. This architecture combines the scalability of decentralized infrastructure with the governance demands of traditional finance.

XRP Gains Traction in U.S. Real Estate as Crypto Accepted for Mortgage Applications

The U.S. Federal Housing Finance Agency has greenlit the inclusion of cryptocurrency holdings as qualifying assets in mortgage applications, marking a pivotal moment for digital asset integration into traditional finance. This regulatory shift enables prospective homeowners to leverage their XRP and other crypto portfolios when securing loans.

At current prices, purchasing a median-priced $420,000 U.S. home outright would require approximately 192,000 XRP. A standard 20% down payment translates to 38,400 XRP, though requirements escalate sharply in premium markets like San Francisco. The move signals growing institutional recognition of cryptocurrencies as legitimate financial instruments beyond speculative trading vehicles.

Market observers note this development coincides with XRP's price stabilization around $2.19, creating tangible utility benchmarks for the asset. While volatility remains a consideration, the housing policy shift establishes a concrete valuation framework for crypto in real-world transactions.

XRP Outshines ETH in Profitability as 80% of Circulating Supply Turns Green

XRP is demonstrating remarkable resilience in the 2025 crypto markets, with over 80% of its circulating supply now held at a profit. The token's current price near $2.20 reflects strong holder conviction, as investors increasingly resist panic-selling despite recent volatility.

Glassnode data reveals XRP has tripled its pre-rally November 2024 valuation, delivering 300% gains for early accumulators. Profit-taking emerged in June at $68.8 million daily, signaling long-term holders are gradually realizing gains after the parabolic move.

Futures markets echo the bullish sentiment, with XRP's funding rate flipping positive at 0.0053%. Long positions dominate shorts by a 3:1 ratio, suggesting traders are paying premiums to maintain exposure. The cooling on-chain activity—evidenced by declining active addresses and sub-$1 billion volumes—may paradoxically indicate stronger hands are forming as weak holders exit.

XRP Surges 6% Amid Whale Activity and Retail Interest

XRP rallied nearly 6% in a late-session breakout, fueled by a quadrupling of hourly volume and confirmed support above $2.20. The surge coincided with major whale movements, including a $58 million transfer to Coinbase and a $439 million shift by Ripple to an unknown wallet. Despite typical bearish pressure from such activity, XRP held firm—signaling robust demand.

Market sentiment stabilized as cryptocurrencies broadly advanced, with XRP leading the charge. Breakout volume hit 108.12 million, four times the average, underscoring technical significance. Retail interest spiked alongside the price action, with Google Trends showing rising searches for "XRP to $3."

Analysts eye the July–September window for potential upside targets of $3 to $5, while the Ripple v. SEC case remains a pivotal catalyst for regulatory clarity.

XRP Price Breaks Past $2.20, Nears All-Time High

XRP surged past $2.20, marking a significant milestone as it now sits just 42% below its all-time high of $3.84. The altcoin's rebound from the $1.92-$1.95 support zone reflects broader market optimism, fueled by bullish momentum in Bitcoin and Ethereum.

Resistance at $2.19-$2.20 has flipped to support, setting the stage for a potential push toward $2.30-$2.35. A clean break above this level could pave the way for a retest of May's peak at $2.66, with $3 looming as the next psychological target.

Despite the upbeat price action, XRP's daily chart reveals a pattern of lower highs—a lingering bearish signal. Sustained bullish momentum would require a decisive close above $2.35 to invalidate the downtrend.

Ripple-SWIFT Partnership Rumors Surface Amid Pending SEC Lawsuit Resolution

Speculation about a potential collaboration between Ripple and SWIFT has ignited discussions across the XRP community. Social media platforms, particularly X (formerly Twitter), are rife with unverified claims that the two entities could announce a partnership once Ripple's legal battle with the U.S. SEC concludes. Such an alliance, if realized, is expected to transform cross-border payments and elevate XRP's role in global finance.

Despite the buzz, neither Ripple nor SWIFT has confirmed these rumors. Ripple CEO Brad Garlinghouse has previously dismissed similar claims, emphasizing the company's ambition to compete with SWIFT rather than partner with it. The absence of official statements or evidence leaves the speculation unsubstantiated.

Meanwhile, the protracted Ripple vs. SEC lawsuit appears to be nearing its end. Judge Analisa Torres is anticipated to deliver a ruling soon. Recent developments include a joint filing by Ripple and the SEC to modify the current injunction and reduce the penalty to $50 million. The SEC has also requested a pause in the appeal process, signaling potential progress toward resolution.

Ripple’s Chris Larsen Predicts XRP Price to Hit $1000: Fact Check

Ripple co-founder Chris Larsen's alleged prediction of XRP reaching $1,000 has sparked fervent discussion across crypto circles. The claim, circulating widely on social media, hinges on a hypothetical scenario where Ripple captures 10% of SWIFT's global payment volume. No verifiable source confirms Larsen made such a specific projection.

Market participants remain divided. Some view the statement as a strategic vision, citing XRP's transaction velocity and institutional adoption. Others dismiss it as unfounded speculation. The narrative gained traction amid unconfirmed rumors of a Ripple-SWIFT partnership, though neither party has substantiated these claims.

Historical context adds nuance. Ripple CEO Brad Garlinghouse previously estimated XRP could capture 14% of SWIFT's transaction volume within five years—a timeline now elapsed without achieving that benchmark. The discrepancy between aspiration and reality underscores crypto's volatile price prediction landscape.

Will XRP Price Hit $3?

Based on current technicals and market sentiment, XRP shows potential to test the $3 level. Key factors include:

Emma suggests watching the $2.3251 level - a sustained break above could accelerate momentum toward $3.

Moderate-high (65-70% probability)