XRP Price Prediction: Bullish Momentum Targets $3.20 Amid Institutional Surge

#XRP

• XRP's price is above key moving averages, signaling bullish momentum.
• Ripple's RLUSD expansion and institutional interest are driving demand.
• Technical and fundamental factors support a target of $3.20.

XRP Price Prediction

XRP Technical Analysis: Bullish Signals Emerge

XRP is currently trading at 2.2540 USDT, above its 20-day moving average of 2.1653, indicating a bullish trend. The MACD shows a slight positive momentum with a value of 0.0004, though the signal line at 0.0228 suggests caution. Bollinger Bands indicate a potential breakout as the price approaches the upper band at 2.2796. According to BTCC financial analyst Olivia, 'XRP's technical setup favors upside potential, with key resistance at 2.28 USDT.'

XRP Market Sentiment: Institutional Demand Fuels Optimism

Ripple's expansion of RLUSD supply and growing institutional interest are driving positive sentiment. Futures open interest nearing $5 billion and bullish reversal potential amid volatility further support the upward trend. BTCC financial analyst Olivia notes, 'The combination of technical strength and favorable news flow could propel XRP toward $3.20 in the near term.'

Factors Influencing XRP’s Price

Ripple Expands RLUSD Supply with 16M Token Issuance Amid Growing Institutional Demand

Ripple has minted an additional 16 million RLUSD tokens from its treasury, pushing the stablecoin's circulating supply past 485 million. The accelerated production reflects surging demand for the USD-pegged asset in cross-border transactions and institutional crypto portfolios.

AMINA Bank has become the first traditional financial institution to formally endorse RLUSD, signaling a strategic shift toward digital asset integration. The Swiss-based bank's public support could catalyze further adoption among risk-averse financial entities.

The consecutive treasury issuances demonstrate Ripple's aggressive positioning of RLUSD as a liquidity pillar for XRP-powered payment corridors. Market observers note the stablecoin's growth trajectory mirrors institutional crypto adoption patterns seen during Ethereum's DeFi expansion phase.

XRP Mining Promises High Returns Through Cloud Mining Platform

XRP Mining, a UK-based cloud mining platform, claims to enable users to earn up to $37,000 daily using just a mobile phone or computer. The service, which requires no hardware investment, targets investors seeking passive income and low-threshold financial opportunities.

Regulated by the UK government since 2018, the platform serves over 5 million users across 150 countries. It leverages AI-driven computing power and green energy to simplify cryptocurrency mining, eliminating the need for technical expertise or expensive equipment.

The offering comes as demand for accessible crypto participation grows globally. However, the platform's extraordinary profit claims warrant scrutiny, as cloud mining operations often face skepticism regarding sustainability and transparency.

XRP Price Eyes $3.20 as Futures Open Interest Nears $5 Billion

XRP has re-emerged as a focal point in crypto markets after confirming a bullish pennant pattern on its weekly chart. The breakout above the descending trendline at $2.21 on July 3, 2025 signals potential for significant upside momentum.

The token currently trades at $2.26, marking a 6.85% weekly gain from its $2.06 low. This upward movement coincides with Ripple's application for a U.S. banking license and the SEC's approval of Grayscale's Digital Large Cap Fund as a spot ETF.

Market dynamics show accelerating institutional interest, with XRP futures open interest surging 30% to $4.75 billion in just 10 days. The 68% long/short ratio across exchanges reflects strong bullish sentiment, though it raises liquidation risks should the rally falter.

BitMEX First to Support RLUSD as Margin for Crypto Derivatives

BitMEX has become the first cryptocurrency exchange to list Ripple USD (RLUSD) as a margin currency for derivatives trading. The Seychelles-based platform announced the integration on May 20, with trading going live on May 22 as part of its Multi-Asset Margining system.

The stablecoin, pegged 1:1 to the U.S. dollar, can now be used as collateral for crypto contracts. BitMEX also enabled spot trading for RLUSD, supporting deposits via both ERC-20 and XRPL networks. A promotional campaign offering 15,000 RLUSD in rewards accompanied the launch.

This move marks a significant expansion of stablecoin utility in derivatives markets. RLUSD joins a growing list of digital assets bridging traditional finance with crypto trading mechanisms.

Reddit Users Debate Holding XRP on Robinhood Amid Security Concerns

Investors are questioning the wisdom of holding XRP on Robinhood after a Reddit user raised concerns about platform restrictions during volatile market conditions. The discussion highlighted Robinhood's controversial history, including account lockouts and trading halts during the 2021 GameStop saga.

Multiple users reported losing access to assets during critical moments, with one stating it took years to regain control. The lack of full wallet functionality and Robinhood's custodial model emerged as key pain points, particularly for those anticipating another XRP rally.

Alternative platforms like Uphold and Kraken gained endorsement for offering direct wallet access and more transparent operations. Kraken's security features and Uphold's XRP integration were specifically praised, contrasting sharply with Robinhood's track record of intervention during market movements.

Ripple Seeks U.S. Banking Charter in Historic Move to Disrupt Traditional Finance

Ripple is poised to rewrite financial history by pursuing a U.S. banking charter and Federal Reserve master account—a first for any crypto-native company. Approval would grant direct Fed reserve access, FDIC insurance for deposits, and authority to offer crypto-collateralized loans. The move strategically positions XRP at the intersection of decentralized finance and regulated banking.

The charter would unlock integrated cross-border payment infrastructure with on-chain settlement capabilities. Market observers note this could erode traditional banks' dominance in correspondent banking and remittances. Regulatory approval may establish 2025-2026 as inflection years when legacy financial infrastructure began yielding to blockchain-based alternatives.

XRP Shows Bullish Reversal Potential Amid Market Volatility

XRP exhibits signs of a mid-term rebound despite warnings about holding losing positions. Trading at $2.28 with a 4% daily gain, the asset has fluctuated between $2.08 and $2.30 in recent weeks. A falling wedge pattern on the 12-hour chart suggests an impending breakout, with key support levels holding firm since May.

Analyst Mad Whale notes repeated tests of the wedge's lower boundary, including bounces from $2.08 on May 6 and $1.96 on June 23. The upper resistance near $2.33 remains a critical threshold. A brief breach to $2.32 this week hints at growing bullish momentum, with technical indicators pointing toward a potential $2.55 target if the pattern confirms.

How High Will XRP Price Go?

Based on current technical indicators and market sentiment, XRP has strong potential to reach $3.20. Below is a summary of key data:

Olivia highlights, 'Institutional demand and technical breakout signals align for a rally.'