XRP Price Prediction: Regulatory Clarity Fuels $5 Speculation by 2025

XRP's price trajectory has entered a new phase of bullish speculation following Ripple's decision to drop its cross-appeal against the SEC. This move, widely interpreted as a step toward regulatory clarity, triggered an immediate 7% price surge and revived ambitious price targets of $3-$5 by late 2025. Analysts are pointing to multiple catalysts including rising on-chain volume, growing ETF rumors, and a quiet rotation among holders diversifying their portfolios. The combination of regulatory progress and strong technical fundamentals suggests XRP may be poised for significant upside in the coming months. As of July 2025, market sentiment appears increasingly optimistic about XRP's potential to break through key resistance levels, with many investors viewing current prices as an attractive entry point ahead of potential major developments in the Ripple-SEC case and possible ETF approvals.

XRP Price Prediction: Regulatory Clarity Sparks $5 Speculation as Holders Diversify

XRP's price trajectory has entered a new phase of speculation following Ripple's decision to drop its cross-appeal against the SEC. The move, seen as a step toward regulatory clarity, triggered an immediate 7% price surge and revived discussions of $3-$5 targets by late 2025. Analysts point to rising on-chain volume and ETF rumors as additional catalysts.

Market dynamics reveal a quiet rotation among holders, with profit-taking from XRP positions coinciding with growing interest in cross-border payment alternatives. Clyde, a prominent crypto analyst, forecasts a potential all-time high for XRP this summer, with $4.50 as an initial target.

The evolving landscape highlights the delicate balance between XRP's legal victories and emerging competition in global payments infrastructure. A new cross-border project's upcoming Q3 launch adds another LAYER to the sector's transformation.

Ripple Adjusts XRP Escrow Strategy with 500M Unlock and 400M Relock

Ripple executed a strategic adjustment to its XRP escrow management on July 1, unlocking 500 million tokens—half its typical monthly release—before swiftly relocking 400 million. The MOVE signals a potential shift in the company's liquidity strategy amid ongoing market volatility.

The unlocked XRP flowed through Ripple's treasury wallet (Ripple 27) before being distributed to internal addresses, including a 200 million transfer to wallet "rN8pqR." Market reaction was muted, with XRP dipping briefly to $2.15 before recovering to $2.18, demonstrating resilience despite the increased circulating supply.

This escrow activity marks a departure from Ripple's standard 1 billion XRP monthly unlocks, suggesting more conservative treasury management. The company's transparent escrow system continues to provide predictable supply controls, a feature that distinguishes XRP from many proof-of-work cryptocurrencies.

Ripple CEO Clarifies Relationship with Linqto Amid Regulatory Scrutiny

Ripple CEO Brad Garlinghouse has clarified the company's ties to investment platform Linqto, emphasizing that Linqto's holdings of 4.7 million Ripple shares were acquired exclusively through secondary markets. Ripple has never directly sold shares to Linqto nor maintained any formal business relationship with the platform.

In late 2024, Ripple ceased approving Linqto's secondary market transactions due to growing concerns. Garlinghouse addressed confusion among retail investors who mistakenly believed they were purchasing Ripple shares directly. Ripple's Chief Technology Officer reiterated that investors only hold shares in entities owning Ripple stock, not in Ripple itself.

The clarification comes as Linqto faces a probe by the U.S. Department of Justice. Ripple has distanced itself from the platform, underscoring its independence from Linqto's activities. Garlinghouse highlighted Ripple's proactive measures to restrict Linqto's access to its equity, reinforcing the company's commitment to transparency amid regulatory scrutiny.

Ripple Advances Regulatory Strategy with Banking License Bid After Legal Win

Ripple's legal fortunes shifted following the U.S. election, with the SEC case development accelerating its licensed expansion. The firm now pursues a National Banking License to place its RLUSD stablecoin under OCC oversight—a strategic pivot toward institutional credibility.

"This dual approach creates a new standard for transparency," said Ripple's stablecoin lead Jack McDonald. The move signals Ripple's intent to transform XRP's utility beyond payments, targeting regulated DeFi corridors where compliance bridges TradFi and crypto.

Ripple Applies for National Bank License, Seeks Federal Backing for RLUSD Stablecoin

Ripple has taken a decisive step toward federal banking oversight by applying for a national bank charter with the U.S. Office of the Comptroller of the Currency. The move positions its dollar-pegged RLUSD stablecoin under direct federal supervision, complementing its existing New York state regulatory framework.

The application signals Ripple's strategic pivot toward institutional credibility. By pursuing dual state and federal compliance, the company aims to differentiate RLUSD in an increasingly competitive stablecoin market. Federal Reserve master account access for reserve holdings could further strengthen the stablecoin's appeal.

This regulatory push follows Ripple's recent RLUSD launch, reflecting growing confidence in the Biden administration's approach to digital asset oversight. A national charter WOULD expand Ripple's service offerings while subjecting operations to heightened scrutiny—a tradeoff that may ultimately benefit long-term adoption.

Ripple Locks 400M XRP in Escrow Amid Market Volatility

XRP's price action reflects heightened volatility, dipping to $2.15 after Ripple's 400M token lock announcement before recovering 1% despite a 41.5% drop in daily trading volume. The altcoin maintains its position as the third-largest cryptocurrency with a $131.96B market cap.

Market attention now shifts to July 3, a pivotal date for Ripple Labs as the SEC lawsuit could see significant developments. CEO Brad Garlinghouse confirmed the removal of cross-appeal, countering the SEC's characterization of proceedings as routine.

Derivatives data reveals a paradox: while trading volume plunged 46.10% to 4.76B, open interest edged up 0.40% to 4.31B. This divergence suggests cautious Optimism among traders as XRP tests key resistance levels.