XRP’s Bullish Momentum: ETF Speculation Fuels $100 Price Target Prediction

XRP has experienced a notable 5% surge, reaching $2.29, significantly outperforming a stagnant broader cryptocurrency market. This latest uptick contributes to an impressive 375% annual gain, driven by growing institutional interest and positive regulatory developments. A key catalyst behind this momentum is the SEC's tentative approval of Grayscale's Digital Large Cap ETF, which includes XRP. Although the approval is currently under a regulatory stay, analysts view this as a promising step toward the eventual launch of spot XRP ETFs. Such a development could unlock substantial institutional capital, further propelling XRP's price. Notably, some market experts are now predicting a long-term target of $100 for XRP, fueled by optimism around ETF approvals and broader adoption in the financial sector. As of July 5, 2025, XRP continues to demonstrate strong bullish potential, making it a standout asset in the evolving crypto landscape.

XRP Price Surges Amid ETF Speculation, Analyst Predicts $100 Target

XRP has surged 5% to $2.29, outpacing a stagnant broader crypto market. The token now boasts a 375% annual gain, fueled by institutional interest and regulatory developments.

The SEC's tentative approval of Grayscale's Digital Large Cap ETF—which includes XRP—has sparked optimism, despite an immediate regulatory stay. Analysts interpret this as a precursor to spot XRP ETFs, potentially unlocking significant capital inflows.

"Once the SEC establishes formal crypto ETF standards, the floodgates open," says Nate Geraci, emphasizing the long-term implications of Wall Street's accelerating crypto adoption. Market watchers now eye $100 as a plausible target should institutional participation scale as anticipated.

AMINA Bank Becomes First Financial Institution to Integrate Ripple's RLUSD Stablecoin

Swiss-based AMINA Bank has made history as the first global financial institution to directly support Ripple USD (RLUSD), marking a significant milestone in institutional stablecoin adoption. The crypto-friendly bank will initially offer custody and trading services for the newly launched stablecoin, targeting professional investors and institutional clients seeking compliant digital asset solutions.

The integration comes amid accelerating regulatory scrutiny of stablecoins, with RLUSD distinguishing itself through NYDFS oversight and a reserve backed by U.S. Treasuries. "Ripple's focus on transparency aligns perfectly with our mission to deliver institutional-grade digital asset services," said AMINA Chief Product Officer Myles Harrison, describing RLUSD as one of the market's most anticipated digital assets.

This partnership signals growing bank participation in crypto markets, particularly for compliant stablecoins bridging traditional finance and blockchain ecosystems. AMINA plans to expand its RLUSD-related services in coming months, potentially creating new on-ramps for institutional capital.

Ripple’s US Banking License Bid Fails to Ignite Significant XRP Rally

Ripple’s pursuit of a US banking license has yielded only a tepid 3% price bump for XRP, underscoring market skepticism about the immediate benefits. The application, filed with the Office of the Comptroller of the Currency (OCC), aims to position Ripple as a compliant custodian for digital assets—including its upcoming stablecoin RLUSD—but does little to resolve XRP’s lingering regulatory ambiguities.

Brad Garlinghouse, Ripple’s CEO, framed the move as a "unique benchmark for trust" in a tweet, emphasizing dual state and federal oversight. Yet the OCC charter WOULD not alter the SEC’s 2023 ruling that institutional XRP sales constitute unregistered securities. With Ripple dropping its cross-appeal, the legal overhang persists.

The muted market reaction reflects a broader truth: regulatory compliance for Ripple doesn’t equate to utility for XRP. Unlike Circle’s USDC or Fidelity’s custody solutions, Ripple’s banking ambitions remain decoupled from demand drivers for its native token—at least for now.

XRP Price Faces Critical Test at $2.16-$2.18 Zone Amid Bullish $3 Target

XRP's rally to $2.30 met resistance, triggering a pullback to the $2.18 support level. The retest of the $2.16-$2.18 consolidation zone now serves as a pivotal moment for determining whether the cryptocurrency can reclaim bullish momentum or face a deeper correction.

Crypto analyst CasiTrades highlights this range as a make-or-break level. Historically, this zone marked the top of a major consolidation structure. Holding above it would signal a classic breakout-backfill pattern, often preceding trend continuation. Failure to maintain support, however, could invalidate the upward trajectory.

The $2.25 level briefly served as support before giving way, demonstrating the market's hesitation at higher valuations. A successful defense of the current range could pave the way for a retest of the $2.33 resistance, with $3 remaining a viable target for bullish traders.

Ripple CEO Clarifies Linqto's Holdings Amid Regulatory Scrutiny

Ripple CEO Brad Garlinghouse confirmed that Linqto holds 4.7 million shares of Ripple's private stock but denied any direct involvement in their sale. The clarification comes as Ripple faces renewed legal scrutiny involving Linqto, the SEC, and the Department of Justice.

A Wall Street Journal report alleges Linqto violated securities laws by facilitating retail investments in pre-IPO startups like Ripple. Approximately 5,000 non-accredited investors acquired exposure through Special Purpose Vehicles rather than direct ownership—a situation former legislator John Deaton called a 'regulatory nightmare.'

Garlinghouse emphasized Ripple's arms-length relationship with Linqto, noting the shares were acquired on secondary markets. The platform reportedly sold positions at inflated valuations, including to investors in sanctioned jurisdictions.

Coinbase's $57M XRP Wallet Reshuffle Sparks Initial Sell-Off Fears, Later Clarified as Internal Transfer

A 25.5 million XRP transfer worth $57 million triggered market speculation before being identified as part of Coinbase's internal wallet management. Blockchain tracker Whale Alert initially flagged the July 3 movement to Coinbase as a potential whale sell-off signal, but subsequent analysis revealed the tokens were being redistributed across the exchange's cold wallets.

XRPwallets data shows the transaction originated from Coinbase itself, with approximately 3.88 million XRP allocated to multiple cold storage addresses. This marks the third such operational transfer by the exchange in two weeks, following patterns previously associated with Coinbase Cold Wallet 108. The consistent behavior suggests strategic liquidity management rather than impending market pressure.

Market observers note these movements could relate to institutional on-demand liquidity preparations, though Coinbase hasn't officially disclosed the rationale. The clarification helped stabilize XRP markets after initial volatility, demonstrating how exchange operational activities can temporarily mimic whale sell patterns.