The cryptocurrency market witnessed a significant surge in XRP’s value this week, as the digital asset climbed from $2.17 to $2.28 in under 24 hours—adding over $6 billion to its market capitalization. This sharp rally was fueled by major regulatory developments involving Ripple Labs, the company behind XRP, and growing institutional interest in the token.
At the heart of the momentum is Ripple’s formal application for a U.S. national banking license with the Office of the Comptroller of the Currency (OCC), along with a request for a Master Account at the Federal Reserve. If approved, this would allow Ripple to operate as a fully regulated, crypto-native financial institution—marking a pivotal shift in how blockchain firms can integrate into traditional finance.
👉 Discover how regulatory breakthroughs could reshape XRP’s future trajectory.
Current XRP Market Performance
As of the latest data, XRP is trading at $2.29, reflecting a 5.51% gain over the past 24 hours. Trading volume has spiked by 58.47%, reaching $4.63 billion—a strong signal of renewed investor confidence and market participation.
Technically, XRP has approached the upper boundary of its recent consolidation range between $2.08 and $2.30. A sustained breakout above $2.30 could confirm bullish momentum and open the door to higher price targets. On the 4-hour chart, the resistance level at $2.30 is now being tested, with a potential breakout target set between $2.55 and $2.60.
The Relative Strength Index (RSI) stands at just above 63, indicating healthy upward momentum without entering overbought territory. This balance suggests that buying pressure remains strong but not yet excessive—creating favorable conditions for further upside if support holds.
Institutional Developments Driving XRP Adoption
Beyond technical indicators, fundamental catalysts are strengthening XRP’s long-term outlook. One notable development involves Nasdaq-listed Webus International, which recently announced a conditional $100 million funding agreement with Ripple Strategy Holdings. The capital will support the creation of a treasury-backed XRP loyalty and payments program, with an additional $300 million mandate under consideration.
This partnership highlights how publicly traded companies are increasingly viewing XRP not just as a speculative asset but as a functional tool for real-world financial infrastructure. By leveraging XRP’s fast settlement times and low transaction costs, such programs could drive consistent demand across payment networks and customer reward systems.
Moreover, regulatory clarity appears to be improving. Analyst Nate Geraci pointed to recent decisions by the U.S. Securities and Exchange Commission (SEC), including its approval of the Grayscale Digital Large Cap ETF, as signs that spot ETFs for individual cryptocurrencies like XRP may soon follow.
“SEC approves Grayscale Digital Large Cap ETF today…
xrp, sol, & ada will now be available in ‘33 Act ETF wrapper.
SEC also provided addn’l clarity on disclosures & registrations of crypto ETFs.
See where this is all heading?
Individual spot xrp, sol, ada, etc ETFs up next.”
— Nate Geraci (@NateGeraci), July 2, 2025
While the Grayscale XRP Trust awaits final approval, these regulatory shifts suggest that the path toward a dedicated XRP spot ETF is becoming clearer.
👉 Explore how upcoming ETF approvals might accelerate institutional adoption of XRP.
XRP Price Forecast for July 31, 2025
Based on current market dynamics—including Ripple’s push for full banking status, strong technical structure, rising trading volume, and expanding institutional use cases—AI-driven analysis projects that XRP could trade between $2.48 and $2.65 by July 31, 2025, assuming bullish conditions persist and no major macroeconomic setbacks occur.
This forecast hinges on several key factors:
- Successful breakout above $2.30: A confirmed close above this resistance level would validate upward momentum and likely trigger algorithmic and institutional buying.
- Progress on banking license application: Any positive updates from the OCC or Federal Reserve regarding Ripple’s application would serve as powerful sentiment boosters.
- Advancements in ETF approval process: Should the SEC provide clearer guidelines or approve the Grayscale XRP Trust, it could unlock significant inflows from traditional investment funds.
- Continued corporate adoption: Programs like the Webus-Ripple initiative demonstrate tangible utility for XRP in enterprise finance, reinforcing long-term value.
If all these elements align, the upper end of the forecast range—$2.65—becomes increasingly plausible.
However, failure to maintain prices above $2.30 could result in a pullback toward the $2.08–$2.20 range, where consolidation may resume before another breakout attempt. Traders should monitor volume trends and on-chain activity closely during this critical phase.
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Frequently Asked Questions (FAQ)
Q: What is driving XRP’s recent price increase?
A: The surge is primarily driven by Ripple’s application for a U.S. national banking license and a Master Account with the Federal Reserve, signaling deeper integration into traditional finance.
Q: Is an XRP spot ETF likely by 2025?
A: While not guaranteed, recent regulatory moves—including the SEC’s approval of a broad crypto ETF—suggest that individual spot ETFs for assets like XRP could be on the horizon.
Q: What is the technical outlook for XRP?
A: XRP is testing resistance at $2.30. A confirmed breakout could propel it toward $2.55–$2.60, supported by strong volume and positive RSI readings.
Q: How does institutional adoption affect XRP’s value?
A: Partnerships like the one between Webus International and Ripple Strategy Holdings increase real-world usage and investor confidence, contributing to sustained demand.
Q: What happens if XRP fails to break $2.30?
A: Failure to hold above $2.30 may lead to consolidation in the $2.08–$2.20 range before another upward attempt, depending on broader market conditions.
Q: Can Ripple become a regulated U.S. bank?
A: Ripple has formally applied for national bank status through the OCC. While approval isn’t certain, it represents a strategic move toward full regulatory compliance.
Final Outlook
The convergence of technical strength, regulatory progress, and institutional adoption paints an optimistic picture for XRP heading into mid-2025. With momentum building around its financial infrastructure role and potential ETF inclusion, XRP is positioning itself beyond mere speculation.
While short-term volatility remains inevitable in any crypto market, the fundamental trajectory points toward increased legitimacy and expanded utility—key drivers of long-term price appreciation.
Investors should remain informed, monitor official developments from both Ripple and U.S. regulators, and consider strategic entry points based on technical confirmation rather than hype alone.
As the lines between traditional finance and blockchain innovation continue to blur, XRP stands at a unique crossroads—with July 31, 2025 potentially marking a milestone in its journey toward mainstream financial integration.