XRP Price Prediction: Can XRP Hit $3 Amid Banking License Hype and Technical Breakout?

#XRP

• Technical Breakout: Price above 20MA with MACD turning positive
• Institutional Demand: $200M RWA tokenization and SBI's large transfer
• Regulatory Catalyst: Banking license speculation and ETF potential

XRP Price Prediction

XRP Technical Analysis: Bullish Signals Emerge

XRP is currently trading at 2.2263 USDT, above its 20-day moving average (2.1725), signaling potential upward momentum. The MACD histogram (-0.0393) remains negative but shows narrowing bearish divergence as the signal line (0.0057) turns positive. Bollinger Bands suggest a neutral-to-bullish range (Upper: 2.2916, Lower: 2.0534), with price hovering NEAR the upper band.

"The breakout above the 20-day MA and improving MACD momentum indicate growing buyer interest," says BTCC analyst Emma. "A sustained close above 2.29 could trigger a rally toward 2.50."

Institutional Adoption Fuels XRP Optimism

Recent headlines highlight accelerating institutional adoption, with Mercado Bitcoin's $200M RWA tokenization on XRP Ledger and SBI's $703M XRP transfer signaling whale accumulation. Ripple's U.S. banking license ambitions and ETF speculation are creating bullish sentiment.

"The combination of technical strength and fundamental catalysts makes $3 a realistic near-term target," notes BTCC's Emma. "However, traders should monitor the 50 EMA breakout confirmation and token unlock impacts."

Factors Influencing XRP's Price

XRP Shows Resilience Amid Institutional Adoption of RLUSD

Ripple's XRP demonstrates underlying strength despite a 2.5% dip in the past 24 hours, buoyed by Switzerland's AMINA Bank becoming the first international institution to support Ripple's stablecoin RLUSD. The Zug-based digital asset specialist now offers custody and trading services for the regulated stablecoin, marking a pivotal moment for Ripple's cross-border payment ecosystem.

XRP maintains a 6% weekly gain and staggering 400% annual growth as institutional confidence grows. AMINA's endorsement follows RLUSD's recent regulatory approvals from Dubai's financial authority and New York's DFS, positioning the stablecoin as an emerging contender in the crowded stablecoin market.

XRP Traders Eye $10 as Ripple’s U.S. Banking Bid Builds Market Optimism

XRP consolidated over the past 24 hours, dipping 1.07% amid global economic uncertainty but holding key support at $2.20. The cryptocurrency's bullish structure remains intact, fueled by Ripple's institutional narrative and regulatory progress.

Ripple's application for a U.S. national banking license and a Federal Reserve master account could grant unprecedented access to traditional payment systems. Analysts highlight XRP's technical strength, with higher highs and lows across timeframes, while ETF speculation and CBDC bridge potential add to long-term optimism.

Mercado Bitcoin to Tokenize $200M in Real-World Assets on XRP Ledger

Mercado Bitcoin, Latin America's largest digital-assets marketplace, is set to tokenize over $200 million in real-world assets (RWAs) on the XRP Ledger (XRPL). This initiative, supported by Ripple, marks one of the region's most ambitious blockchain integrations to date.

The tokenized assets will include equity income and fixed-income instruments, accessible through a blockchain network certified by more than 70 central banks and financial institutions. The XRP Ledger, operational since 2012, has processed over 3.3 billion transactions without failure, boasting 200 decentralized validators and six million active wallets.

Ripple and Boston Consulting Group forecast the tokenization market to grow from $0.6 trillion in 2025 to $19 trillion by 2033, signaling accelerating institutional adoption of blockchain infrastructure.

XRP Breaks 50 EMA, Rally to $3 Within Reach

XRP has surged past its 50-day Exponential Moving Average, a technical milestone that traders have been watching closely. The cryptocurrency, now trading around $2.27, has broken free from a months-long congestion zone between $2.20 and $2.25. This decisive move signals a potential shift in market sentiment and opens the door for further gains.

The 50 EMA had previously acted as a stubborn resistance level, repeatedly stifling bullish momentum. Its breach suggests renewed investor confidence and could pave the way for a rally toward $3. Such a move would mark a significant bullish phase for XRP, attracting fresh attention from both retail and institutional traders.

SBI Moves $703 Million in XRP Ahead of Major Token Unlock

SBI Holdings, a key partner of Ripple, transferred 320 million XRP tokens worth $703 million just before Ripple's scheduled release of 1 billion XRP from escrow. The timing suggests a strategic move to mitigate potential price suppression from the increased supply.

XRP's price has remained stagnant between $2.10 and $2.20, but analysts see potential for a breakout if it maintains support above $2.00. "XRP is gradually rising within a broad channel structure," noted market analyst Lingrid, pointing to accumulating buyer pressure near resistance levels.

Ripple's Banking License Ambitions Fuel XRP Optimism

XRP has surged 3.2% following Ripple's strategic pivot toward regulatory compliance. The blockchain firm has applied for a national banking license with the Office of the Comptroller of the Currency, seeking federal oversight alongside its planned NYDFS-regulated stablecoin RLUSD.

Technical indicators suggest bullish momentum, with XRP potentially testing $2.76 if the pattern holds. Market participants note the irony of the once-rebellious crypto now courting institutional legitimacy through banking channels.

XRP Ledger Sees 34% Monthly Growth in Tokenized RWAs, Eyes Expansion with Mercado Bitcoin Partnership

The XRP Ledger recorded a 34.6% monthly surge in tokenized real-world assets (RWAs), reaching $157.4 million—the second-highest growth among major blockchains. Only Aptos outpaced it with a 57% jump to $539.3 million, while Ethereum maintained dominance at $7.55 billion despite modest 2.4% growth.

With just six active projects, XRP Ledger ranks as the 10th-largest RWA blockchain by value but stands to scale rapidly. A newly announced partnership with Brazil's Mercado Bitcoin aims to tokenize $200 million on the ledger, potentially reshaping its market position.

US Treasury debt dominates XRP's RWA portfolio at $90.1 million (57% share), followed by public equity receipts ($55.4 million) and non-US sovereign debt ($11.9 million). The network now holds 1.2% of the indexed RWA market—a foothold primed for expansion as institutional adoption accelerates.

XRP Analyst Predicts Path to Double-Digit Prices Amid ETF Optimism

XRP has surged toward $3 this year, fueled by renewed optimism after the U.S. SEC acknowledged NYSE Arca's filing for Grayscale's XRP ETF application. The rally gained momentum once the cryptocurrency broke the key $2 resistance level, sparking bullish sentiment among analysts.

Popular analyst Egrag Crypto described last week's flash crash as a "manipulation event" that liquidated leveraged traders but emphasized XRP remains on an upward trajectory. The asset must hold above a critical blue channel to maintain strength. "Wicks can occur, but closing below key targets would signal weakness," Egrag noted. Conversely, closing above upper targets—particularly on longer timeframes—would reinforce bullish momentum.

The analyst now eyes an ascending triangle formation, with a close above $2.75 potentially triggering a move toward $3.40. "Anything between $2 and $3.40 is just noise," Egrag stated, underscoring the significance of a decisive breakout for XRP's path to double-digit territory.

Ripple Adopts New Escrow Strategy for XRP Releases Amid Market Pressures

Ripple has modified its XRP escrow release strategy for July 2025, splitting the traditional 1 billion token unlock into two tranches of 500 million XRP each. This marks a departure from its previous lump-sum approach, signaling a more calculated method to manage market supply and ecosystem growth.

The company relocked 700 million of the unlocked XRP while allocating 300 million to fuel expansion initiatives. These funds will target on-demand liquidity services, exchange-traded products, and Ripple Ledger infrastructure development—a clear move to balance reserve management with long-term adoption goals.

Since March 2025, Ripple has shifted toward phased releases and strategic deployments, reflecting an evolving playbook for navigating market pressures while advancing XRP's utility in blockchain finance.

Top Cryptos for Long-Term Growth: BlockDAG, XRP, SEI, and TON Gain Attention

As the crypto market evolves, a select group of projects is emerging as viable long-term investments. BlockDAG, XRP, SEI, and TON are distinguishing themselves through strong fundamentals, active development, and real-world utility. These assets are not merely riding short-term hype cycles but are building sustainable value propositions.

BlockDAG's presale has generated significant momentum, with 23.5 billion BDAG tokens sold, raising $330 million. Priced at $0.0016 in its current batch, the project offers a potential 25x ROI at its $0.05 listing price. Its live mobile mining app, boasting over 2 million users, demonstrates tangible traction beyond speculative interest.

XRP continues to demonstrate resilience despite regulatory challenges, maintaining its position as a cross-border payment solution. Meanwhile, SEI and TON are gaining recognition for their technical innovations and growing ecosystems. These projects represent a shift toward substance over speculation in the digital asset space.

Mercado Bitcoin Leverages XRP Ledger for $200M RWA Tokenization Initiative

Latin America's crypto powerhouse Mercado Bitcoin is positioning itself at the vanguard of blockchain's integration with traditional finance. The exchange announced plans to tokenize over $200 million in regulated real-world assets on the XRP Ledger, marking one of XRPL's most significant institutional deployments to date.

The move capitalizes on Ripple and Boston Consulting Group's projection of a $19 trillion tokenized asset market by 2033. By utilizing XRPL's settlement infrastructure—known for near-instant finality—Mercado Bitcoin aims to bridge Brazilian financial markets with global capital networks through tokenized fixed income and equity products.

This strategic play demonstrates how public blockchains are increasingly becoming the infrastructure of choice for institutional asset tokenization. The initiative bypasses traditional finance walled gardens, offering a glimpse into how distributed ledger technology could reshape capital markets infrastructure.

Will XRP Price Hit 3?

Technical and fundamental factors align for potential upside:

"The $3 target becomes viable if XRP holds above 2.29 with strong volume," explains Emma. "Institutional adoption and Ripple's regulatory progress could accelerate this move."

60% likelihood within Q3 2025