XRP Price Prediction: $10 or $45? Key Technical and Fundamental Factors to Watch

#XRP

• Technical Divergence: Price above MA conflicts with negative MACD
• Regulatory Catalyst: SEC case resolution could trigger 50%+ moves
• Adoption Metrics: XRPL's RWA growth outpaces most Layer 1s

XRP Price Prediction

XRP Technical Analysis: Bullish Signals Emerge Despite Short-Term Weakness

XRP is currently trading at, hovering above its 20-day moving average (2.8265), which suggests underlying strength. However, the MACD histogram remains negative (-0.1745), indicating short-term bearish momentum. Bollinger Bands show volatility with the price NEAR the upper band (3.8033), potentially signaling overbought conditions.

"The convergence of price above the 20-day MA while MACD lgs suggests a tug-of-war," says BTCC analyst Emma. "A decisive break above 3.80 could trigger FOMO buying, but traders should watch for potential mean reversion toward the middle band."

Regulatory Headwinds vs. Adoption Tailwinds: XRP's Pivotal Moment

Market sentiment around XRP is bifurcated: banking license delays and SEC case bureaucracy contrast with explosive growth in tokenized RWAs (2260% increase) and SWIFT displacement potential. Price predictions range from $10 to $45 amid this volatility.

"The 1300% surge prediction reflects XRPL's real-world utility growth," notes BTCC's Emma. "However, regulatory resolutions must precede any sustained rally - most investors aren't positioned for the coming volatility."

Factors Influencing XRP's Price

US Banking Groups Urge OCC to Delay Crypto Firms’ Banking Licenses

Banking associations in the U.S. are pressing the Office of the Comptroller of the Currency (OCC) to halt approvals for national banking charters sought by cryptocurrency firms, including Ripple and Circle. The American Bankers Association, alongside other trade groups, cites insufficient transparency in the applications as a primary concern.

The joint letter to the OCC highlights unresolved questions about whether the business models of Circle Internet Group, Fidelity Digital Assets, and Ripple Labs align with the fiduciary activities expected of national trust banks. A policy shift by the OCC without public scrutiny could undermine trust in regulatory processes.

The lack of detail in the applications raises material risks, according to the banking groups. They argue that opaque procedures could destabilize the digital financial landscape, leaving the public without a clear view of the OCC’s decision-making framework.

Ruvi AI (RUVI) Emerges as a Strong Contender for 2025 with Audit Success and Presale Momentum

Ruvi AI is gaining traction as a promising cryptocurrency project, drawing comparisons to established players like Ripple (XRP). Its recent audit success and robust presale performance underscore its potential as a utility-driven investment. The project has raised over $2.5 million and sold 200 million tokens, signaling strong market interest.

Transparency remains a cornerstone of Ruvi AI's strategy. The project has undergone rigorous security checks and partnered with a global trading platform to ensure liquidity post-launch. These measures address early skepticism faced by projects like XRP, positioning Ruvi AI for long-term viability.

With structured growth and early achievements, Ruvi AI is poised to outperform legacy tokens in 2025. Investors are eyeing its combination of technological innovation and market readiness as key differentiators in a competitive landscape.

XRP News: Why the Ripple vs SEC Case Isn’t Over Yet?

XRP holders face renewed uncertainty as the SEC remains silent on closing its case against Ripple. Despite Ripple's public withdrawal of its appeal, the SEC has yet to follow suit, leaving the community frustrated and confused. Social media platforms are flooded with questions demanding clarity.

Former SEC attorney Marc Fagel sheds light on the delay, explaining that the SEC's internal process for dropping an appeal involves a recommendation to commissioners—a procedure that typically takes 1-2 months. This bureaucratic step has prolonged the legal limbo for XRP, which has already endured years of price and reputational pressure.

The standoff highlights the tension between crypto innovation and regulatory processes. With Ripple ready to move forward, the ball now lies in the SEC's court—a delay that risks further eroding trust in both the asset and the regulatory framework.

Ripple vs SEC Case Nears Conclusion But Faces Bureaucratic Delay

XRP holders await final resolution in the protracted legal battle between Ripple Labs and the U.S. Securities and Exchange Commission. Despite Ripple's public withdrawal of its appeal, the SEC's procedural requirements have extended the timeline for official case closure.

Former SEC attorney Marc Fagel clarified the regulatory process, noting standard approval procedures typically take 1-2 months after enforcement staff recommendations. This bureaucratic reality has frustrated XRP enthusiasts who anticipated immediate resolution following Ripple's concession.

The ongoing uncertainty continues to weigh on XRP's market performance, with community sentiment oscillating between anticipation and exasperation. Social media platforms reflect growing impatience among digital asset investors seeking regulatory clarity in the evolving cryptocurrency landscape.

XRP Price Prediction As Tokenized RWAs on XRPL Soar 2260%

XRP is reclaiming its momentum in the crypto market, fueled not just by price action but by a seismic shift in real-world asset tokenization. The XRP Ledger has seen a 2,260% explosion in tokenized RWAs—from $5 million in January 2025 to $118 million today, per a Ripple and Token Relations report. This surge signals growing institutional trust in XRPL as a bridge between traditional finance and blockchain.

Technically, XRP remains bullish, holding above the critical $3.30-$3.40 support zone. A sustained foothold here could propel the token toward its next target: $4.60-$4.70. The convergence of utility growth and technical strength paints a compelling case for XRP's upward trajectory.

Analyst Warns Most Will Miss XRP Rally While Expecting Sharp Drop

XRP surged to a yearly high of $3.66 after months of consolidation near $2, defying bearish expectations. Despite the rally, many investors anticipate a correction, hesitating to enter the market. Analyst DustyBC predicts a potential climb from $3 to $10, cautioning that most will miss the move.

Historical crashes in 2018 and 2021 have left traders wary, with some calling the asset overbought. Yet XRP has held above $3, disproving earlier forecasts of a drop below $2. The debate continues as the token's breakout fuels speculation about its next move.

XRP Price Projected to Hit $45 Amid Surging XRPL Adoption and SWIFT Decline

Cryptocurrency analysts are eyeing a potential $45 price target for XRP, fueled by a sevenfold increase in daily active addresses on the XRP Ledger (XRPL) and a 15% drop in SWIFT transaction volume. The shift reflects growing institutional preference for blockchain-based settlements, with RippleNet now processing billions in cross-border transfers.

XRPL's three-to-five-second transaction finality and elimination of correspondent banking chains are disrupting the $150 trillion annual flow handled by SWIFT. Ripple CEO Brad Garlinghouse recently suggested XRPL could capture 14% of this market, as evidenced by over 1,300 smart contracts deployed on the new sidechain within two weeks of launch.

Technical charts show XRP mirroring its 2017 breakout pattern, with some forecasts suggesting a 1,300% rally. The convergence of blockchain scalability improvements and traditional finance's inefficiencies creates a perfect storm for XRP's ascendance.

4 Key Developments Signal Potential XRP Price Surge

XRP is demonstrating renewed momentum as network activity reaches notable milestones. The XRP Ledger recorded over 10,000 new accounts on July 18 alone - the highest single-day figure since February. Active wallet addresses have doubled month-over-month to surpass 50,500, indicating growing blockchain utilization beyond speculative interest.

A significant whale transaction involving 210 million XRP (valued at $738 million) has drawn market attention. The movement coincides with XRP's price approaching its 2018 all-time high, fueling speculation about potential large-scale accumulation or institutional positioning.

Total Value Locked (TVL) metrics have achieved record levels, suggesting deepening ecosystem development. This combination of network growth, whale activity, and capital deployment creates fundamental conditions that historically precede major price movements in digital assets.

XRP Price Expected to Skyrocket by 1300%, Expert Predicts

A crypto expert forecasts a 1300% surge in XRP's price, citing heightened transaction volume and network activity on the XRP Ledger (XRPL). This projection mirrors the 2017 rally but with stronger fundamentals, as on-chain data and real-world adoption suggest a potentially larger cycle.

The XRPL network has seen a notable revival, with increasing participation from both retail and institutional users. Concurrently, SWIFT transaction volumes have declined, signaling a shift toward blockchain-based alternatives like XRPL, which offer faster and cheaper cross-border payments.

Historical parallels to 2017 are tempered by today’s broader institutional use cases and robust on-chain metrics. The convergence of these factors underscores XRP’s growing role in reshaping global financial infrastructure.

XRP Set to Capture $21 Trillion from SWIFT? Ripple’s Bold Prediction

The global payments landscape is shifting away from traditional methods like SWIFT, with financial institutions increasingly adopting faster, more cost-efficient alternatives such as the XRP Ledger (XRPL). SWIFT, which once dominated international banking with over $150 trillion in annual volume, has seen a 15% decline. Ripple CEO Brad Garlinghouse predicts XRPL could capture up to 14% of that market—equivalent to $21 trillion—within five years.

On-chain data reveals surging activity on XRPL, with daily transactions exceeding 830,000 and over 29,000 active addresses. The decentralized exchange (DEX) volume recently topped $12 million, while meme coin trading contributed $6.25 million. Stablecoin transfers remain steady at $5.6 million, reflecting growing liquidity and engagement.

The launch of an EVM-compatible XRPL sidechain on June 30 has further accelerated adoption, with 1,400 smart contracts deployed in its first week. This expansion into DeFi and smart contracts broadens XRPL’s utility beyond cross-border payments, attracting developers and institutional interest. Ripple’s upcoming RLUSD stablecoin aims to penetrate the global remittance sector, signaling deeper ambitions for the ecosystem.

Most Investors To Miss XRP Run from $3 to $10 While Expecting a Crash: Pundit

XRP's price trajectory has become a focal point for crypto investors after a volatile journey from $3.4 to $2, followed by a recent surge to $3.66. Market commentator DustyBC warns that most traders will miss the next leg up—a projected rally to $10—as they await a deeper correction that may never come.

The asset's consolidation at $2 for six months created a false sense of stability, with many now expecting a retracement to "attractive entry points." Yet historical patterns suggest XRP tends to rally sharply after prolonged consolidations. Those waiting for sub-$2 levels may find themselves chasing the move at $5 or higher.

Professional traders note the current overbought conditions but acknowledge macroeconomic tailwinds—including potential regulatory clarity—could fuel continued upside. The market appears trapped in a psychological tug-of-war between technical indicators and macro momentum.

Is XRP a good investment?

XRP presents a high-risk/high-reward proposition in July 2025:

"This is a trader's market," cautions BTCC's Emma. "Position sizing is critical - the $3.50 level could either launch toward $10 or retest $2.80 support."

This analysis references actual technicals but constitutes opinion only.