What is expected in the development of XRP?

XRP’s development plan is focused on growing its use among institutions and expanding its overall ecosystem:

1. RLUSD Stablecoin Launch (Late 2025) – Ripple will introduce a USD-backed stablecoin to improve liquidity and support decentralized finance (DeFi) activities.
2. XRPL Apex 2025 in Asia (Q4 2025) – A major conference aimed at boosting adoption and partnerships in the Asia-Pacific region.
3. Archax Real-World Asset Tokenization (2025–2026) – Tokenizing billions of dollars in real-world assets on the XRP Ledger (XRPL).
4. XRP ETF Decisions (October 18–19, 2025) – The U.S. Securities and Exchange Commission (SEC) will decide on exchange-traded funds (ETFs) from Grayscale and 21Shares.

Deep Dive

1. RLUSD Stablecoin Launch (Late 2025)

Overview
Ripple plans to launch Ripple USD (RLUSD), a regulated stablecoin backed 1:1 by U.S. dollars. It will be available on both the XRP Ledger and Ethereum networks. This stablecoin aims to increase liquidity on XRPL’s decentralized exchange and make cross-border payments easier and faster.

What this means

• Positive Impact: RLUSD will make XRPL more useful for institutional finance and payments. Its automatic connection with XRP could drive up demand for XRP.
• Potential Risks: Stablecoins face ongoing regulatory scrutiny, but Ripple’s partnership with Standard Custody helps address compliance concerns.

2. XRPL Apex 2025 in Asia (Q4 2025)

Overview
Building on the success of the 2024 event in Amsterdam, XRPL Apex 2025 will focus on expanding XRPL’s presence in Asia, especially Japan and South Korea. Ripple has committed 1 billion XRP to support developer grants, hackathons, and corporate partnerships in the region.

What this means

• Positive Impact: This event will grow the developer community and increase enterprise use cases, such as NFT projects using the VWBL Protocol.
• What to Watch: Keep an eye on adoption metrics like monthly active users and transaction volume in Asia after the event.

3. Archax Real-World Asset Tokenization (2025–2026)

Overview
Ripple is partnering with Archax, a financial firm regulated by the UK’s Financial Conduct Authority (FCA), to tokenize hundreds of millions of dollars in real-world assets like real estate and commodities on the XRPL.

What this means

• Positive Impact: This positions XRPL as a platform for compliant asset tokenization, using technologies like Multi-Purpose Tokens (MPTs) and Oracles to connect blockchain with real-world data.
• Potential Risks: The success depends on how quickly institutions adopt blockchain for managing assets.

4. XRP ETF Decisions (October 18–19, 2025)

Overview
The SEC will decide whether to approve or deny spot XRP ETFs proposed by Grayscale and 21Shares. If approved, these would be the first XRP ETFs available in the U.S., following similar products for Bitcoin and Ethereum.

What this means

• Positive Impact: Approval could bring significant investment inflows, potentially $5–8 billion in the first year, similar to Bitcoin’s ETF launch.
• Neutral Outlook: Approval is not guaranteed, but XRP’s clearer legal standing with the SEC improves its chances.

Conclusion

XRP’s roadmap is focused on building strong infrastructure for institutions (like RLUSD and real-world asset tokenization) and achieving key regulatory milestones (like ETF approvals). The success of these plans depends on turning technical improvements into real-world use, especially in Asia. Integration with global payment systems like SWIFT and FedWire through ISO 20022 standards could further boost XRP’s role as a bridge currency. Watch for the SEC’s ETF decisions in October and the stablecoin launch in Q4 2025 as key indicators of XRP’s momentum.

What updates are there in the XRP code base?

The XRP Ledger’s June 2025 upgrade brings powerful new features designed for businesses and institutions:

1. Batch Transactions (June 25, 2025) – Lets multiple operations run together as one seamless action.
2. Token Escrow Expansion (June 25, 2025) – Supports locking up various tokens beyond XRP for business and DeFi uses.
3. Permissioned DEX Controls (June 25, 2025) – Adds tools to ensure trading follows financial regulations.

Deep Dive

1. Batch Transactions (June 25, 2025)

What it is: This feature allows developers to combine up to eight transactions into a single, all-or-nothing operation. This means either all parts succeed or none do, which cuts down on errors and saves money. It’s especially helpful for complex tasks like swapping assets across different blockchains.

Before, multi-step processes often failed about 30% of the time. Now, payments, token transfers, or smart contract actions can be bundled together, making things smoother for automated trading, payroll, and decentralized apps.

Why it matters: This upgrade makes XRP Ledger more scalable and competitive with other blockchains like Ethereum and Solana, especially for decentralized finance (DeFi) applications. Users get faster and cheaper bulk transactions, which is great for businesses.
(Source)

2. Token Escrow Expansion (June 25, 2025)

What it is: Escrow is a way to lock up assets until certain conditions are met. Previously, this was only possible with XRP. Now, the XRP Ledger lets you lock other tokens like RLUSD stablecoins and Multi-Purpose Tokens (MPTs).

This means companies can automate things like employee stock grants or secure deposits for loans. DeFi platforms can also use this to manage funds safely with vesting schedules or conditional payouts.

Why it matters: While this doesn’t directly increase XRP’s use, it makes the XRP Ledger more attractive for managing a variety of digital assets, especially for businesses and financial platforms.
(Source)

3. Permissioned DEX Controls (June 25, 2025)

What it is: This feature allows token issuers to limit trading to approved participants only. In other words, only users who have passed identity checks (KYC) can trade certain tokens on decentralized exchanges (DEXs).

This helps traditional financial institutions comply with regulations while still using decentralized trading platforms.

Why it matters: This is a big step for XRP because it opens the door for banks and fintech companies to tokenize assets on the XRP Ledger without worrying about compliance issues. This could lead to more activity and adoption on the network.
(Source)

Conclusion

The June 2025 upgrade makes the XRP Ledger a stronger bridge between cutting-edge decentralized technology and the needs of regulated institutions. With batch transactions, expanded escrow options, and compliance-ready trading controls, XRP’s ecosystem is evolving beyond simple payments into a platform for programmable finance. As regulations become clearer, we may see faster adoption by enterprises.

Why did the price of XRP fall?

XRP dropped 0.6% in the last 24 hours to $2.95, slightly underperforming the overall crypto market, which fell 0.64%. This decline comes after a 5.4% gain over the past week and reflects traders taking profits, technical resistance at important price levels, and caution ahead of key SEC decisions on XRP ETFs expected in October.

1. Technical Correction (Bearish Impact) – Price hit resistance at a key Fibonacci level, with weak momentum indicators
2. Profit-Taking Pressure (Mixed Impact) – Traders are cashing in gains after a strong 28% rally over 90 days
3. ETF Uncertainty (Bearish Impact) – Upcoming SEC decisions on XRP ETFs in October are causing hesitation

Deep Dive

1. Technical Resistance & Momentum Shift (Bearish Impact)

Overview:
XRP is facing resistance around $2.95, which corresponds to the 61.8% Fibonacci retracement level—a common technical indicator used to predict price reversals. Momentum indicators like the MACD (which measures trend strength) show only weak positive signals, and the RSI (which measures overbought or oversold conditions) is neutral to slightly bearish at 52.88.

What this means:
The price was pushed back from $3.03, a previous high from July, triggering automated selling by trading algorithms. Additionally, a bearish descending triangle pattern (a technical chart formation that often signals a potential price drop) has formed on shorter timeframes. If XRP closes below $2.95, it could lead to further declines toward $2.84, another important Fibonacci level.

What to watch:
Pay attention to whether XRP can close above $2.95 daily and watch for MACD crossover signals, which could indicate a change in momentum.

2. Profit-Taking After Rally (Mixed Impact)

Overview:
XRP experienced a strong rally, rising 28% over the past 90 days and reaching a high of $3.66 in July 2025. Recently, many long-term holders have been selling to lock in profits, with about $90 million in long positions closed during the July pullback.

What this means:
Trading volume over the last 24 hours ($6.12 billion) is about 15% lower than the average in July, suggesting buyers are less aggressive. However, the 30-day MVRV ratio (which compares market value to realized value) is at -7.5%, indicating that most holders are still at a loss, which may limit further selling pressure.

3. Regulatory Overhang Ahead of ETF Deadline (Bearish Impact)

Overview:
The U.S. Securities and Exchange Commission (SEC) is expected to make decisions on six XRP ETF applications by late October 2025 (Bitwise, Franklin Templeton). According to Polymarket, there’s an 87% chance of approval, but any delays could cause market volatility.

What this means:
Many institutional investors are holding back until the SEC’s decision is clear. XRP’s 24-hour trading turnover (3.48%) is lower than Bitcoin’s (4.1%) and Ethereum’s (5.9%), showing less active trading. Historically, crypto ETFs often see a “sell the news” effect after approval, where prices dip—Bitcoin’s ETF approval led to a 15% drop in the first month.

What to watch:
The SEC’s October 25 deadline for Bitwise’s amended S-1 filing is a key date to monitor.

Conclusion

XRP’s recent dip is mainly due to natural profit-taking and technical resistance rather than any fundamental problems. While the upcoming ETF decisions could spark renewed buying interest, traders are cautious about making big moves before the SEC’s verdict. The price range between $2.84 and $2.95 will be important to watch—it will show whether this is just a healthy correction or the start of a longer consolidation phase.

Key watch: Can XRP stay above its 200-day exponential moving average (EMA) at $2.49 if the SEC delays ETF approvals?

What could affect the price of XRP?

XRP’s future depends on clearer regulations, progress with ETFs, and improvements to its network.

1. ETF Approvals Could Boost Prices (Positive) – SEC decisions in October might bring billions from big investors.
2. Whale Activity Shows Mixed Signals – Large holders are buying, but big deposits to exchanges could lead to selling.
3. Upgrades to the XRP Ledger (Positive) – New features for compliance and decentralized finance (DeFi) could attract more institutions.

In-Depth Look

1. Regulatory Developments & ETF Momentum (Positive)

Overview:
The SEC’s lawsuit against XRP is expected to conclude by August 2025, removing a major uncertainty. Now, attention turns to ETF (Exchange-Traded Fund) decisions expected by late October 2025. Six companies, including Franklin Templeton and Bitwise, are waiting for SEC approval. Current market odds suggest an 84% chance these ETFs will be approved, similar to past Bitcoin and Ethereum ETF approvals that led to price jumps of 20-25% before the official green light (Bloomberg).

What this means:
If approved, ETFs would allow pensions and large institutions to invest in XRP more easily, potentially bringing $5-8 billion in new money during the first year. If denied, there could be short-term price swings, but XRP’s legal clarity as a non-security for retail investors means it’s less vulnerable than some other cryptocurrencies like SOL.

2. Whale Activity & Exchange Deposits (Mixed Impact)

Overview:
In September 2025, large holders (whales) bought about 340 million XRP, worth roughly $1 billion, pushing the number of addresses holding over 10 million XRP to a one-year high. However, deposits to exchanges increased to 260 million XRP per day, up from 141 million in July. Historically, such spikes in exchange deposits often come before price corrections (CryptoQuant).

What this means:
Buying around $2.77 to $2.90 shows strong support levels. But large deposits of 50 million XRP or more to exchanges like Coinbase and Kraken could lead to selling pressure. Watch the $2.65 to $2.75 price range closely—if prices fall below this, it might trigger stop-loss orders and cause a sharper drop.

3. Growth of the XRP Ledger Ecosystem (Positive)

Overview:
In September, updates to the XRP Ledger allowed for DeFi applications that comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) rules, which is important for partnerships with traditional financial institutions. Upcoming improvements to decentralized exchanges (DEX) and automated market makers (AMM) planned for the fourth quarter aim to compete with Ethereum’s $80 billion DeFi market. Ripple’s RLUSD stablecoin, launching in 2026, could also increase XRP’s liquidity and use (XRPL.org).

What this means:
These upgrades make XRP more attractive to banks and payment companies by meeting regulatory standards. The network improvements could increase XRP’s practical uses beyond just trading, creating steady demand.

Conclusion

XRP’s outlook depends on a mix of ETF-driven speculation and real progress in its technology. The SEC’s decisions in October will be crucial, but long-term growth will rely on XRP’s adoption through its enterprise tools and network upgrades. The big question is whether October’s ETF approvals will spark a buying frenzy like Bitcoin’s in 2024 or if the market has already factored in the good news. Keep an eye on SEC filings and XRP Ledger’s development activity (such as GitHub updates and new partnerships) for signs of what’s next.

What are people saying about XRP?

XRP conversations are swinging between excitement over potential price jumps and concerns about regulatory challenges. Here’s what’s trending right now:

1. Coinbase revenue shift – XRP has surpassed ETH in trading fees during the first half of the year
2. Price support battle – The $3.00 support level is holding steady amid rumors of a possible inverse head and shoulders pattern
3. Big whale moves – $5.2 billion worth of XRP was transferred between wallets within 24 hours

Deep Dive

1. @cryptonews: Coinbase revenue shift boosts hopes for XRP ETFs 🚀

"XRP made up 16% of Coinbase’s trading revenue in the first half of the year, beating ETH’s 15% – a first since XRP was relisted."
– Cryptonews (2.1M followers · 12.7M impressions · 2025-08-02 10:25 UTC)
View original post
What this means: This is a positive sign for XRP, showing renewed interest from big investors and increasing the chances of XRP-based ETFs (exchange-traded funds) getting approved. Coinbase’s upcoming launch of mini XRP futures contracts on August 18 could add more trading activity and liquidity.

2. @cryptoWZRD_: $2.80 support level holds despite bearish close ⚖️

"XRP closed the day with a bearish tone but held strong at the $2.80 support level. Intraday charts show buyers defending the $2.75–$2.82 range."
– @cryptoWZRD (89K followers · 412K impressions · 2025-09-05 02:36 UTC)
[View original post](https://x.com/cryptoWZRD/status/1963793267696230630)
What this means: The price is stabilizing above a key support level, which is a neutral to slightly positive sign. Traders are watching the $3.04 resistance level closely—if XRP breaks above this, it could trigger a 15% price increase to around $3.45.

3. @Brett_Crypto_X: Whales move $5.2B in XRP within hours 🐳

"200 million XRP unlocked plus 400 million locked XRP moved between Ripple wallets – this might indicate an expansion of the On-Demand Liquidity (ODL) corridor."
– @Brett_Crypto_X (327K followers · 2.8M impressions · 2025-09-03 16:49 UTC)
View original post
What this means: Large transfers like this can lead to price swings, but Ripple’s regular management of escrowed XRP suggests this is part of normal treasury operations rather than a cause for alarm.

Conclusion

The overall outlook for XRP is cautiously optimistic. While technical indicators show strength, ongoing regulatory concerns—especially related to the SEC—keep investors wary. Growing activity on exchanges and developments in custody solutions point to increasing institutional confidence. Keep an eye on the CME’s XRP futures market, which debuted with $542 million in open interest; steady growth here could confirm a solid price floor above $3.00.

What is the latest news about XRP?

XRP is moving forward after gaining legal clarity from the SEC, forming new banking partnerships in the UAE, and awaiting a key decision on ETFs. Here are the latest highlights:

1. SEC Case Closed (September 8, 2025) – Ripple’s legal dispute with the SEC ended, opening doors for more institutional partnerships.
2. UAE Banking Partnerships (September 8, 2025) – XRP is now part of payment systems with major UAE banks.
3. ETF Decision Coming (October 2025) – The SEC will decide on spot XRP ETFs by the end of October.

In-Depth Look

1. SEC Case Closed (September 8, 2025)

Summary:
Ripple’s lawsuit with the SEC was dismissed following changes in regulatory policy. The SEC dropped charges related to XRP sales to institutions, giving XRP a rare level of legal clarity in the U.S. Ripple paid a reduced fine of $50 million, and restrictions on institutional XRP sales were lifted.

Why it matters:
This clears a major legal hurdle, allowing Ripple to grow partnerships without fear of regulatory issues. However, banks still face significant costs—up to 5 to 7 years and over $100 million—to switch from the traditional SWIFT system to XRP-based payments. (Weex)

2. UAE Banking Partnerships (September 8, 2025)

Summary:
Ripple teamed up with UAE banks like the Commercial Bank of Dubai and the National Bank of Fujairah to integrate XRP into cross-border payment systems. This follows Ripple receiving a license from the Dubai Financial Services Authority (DFSA) in March 2025, positioning XRP as a bridge currency for transactions between UAE dirhams (AED) and U.S. dollars.

Why it matters:
The UAE’s remittance market, worth over $78 billion, could boost XRP’s use. However, competition remains from SWIFT’s upcoming ISO 20022 upgrade scheduled for November 2025. Ripple’s focus on regulatory compliance through updates to the XRP Ledger aligns well with the UAE’s crypto-friendly environment. (CoinDesk)

3. ETF Decision Coming (October 2025)

Summary:
The SEC will review seven applications for XRP spot ETFs from firms like Grayscale, Bitwise, and Franklin Templeton, with a decision expected by late October. Experts estimate about a 70% chance of approval, which could bring $5 billion to $18 billion in new investments.

Why it matters:
If approved, ETFs could unlock significant institutional demand for XRP. However, XRP’s limited supply—about 35 billion tokens held in escrow—could cause price swings. Some analysts are skeptical about XRP reaching a $50 price target, which would require a market value of $2.8 trillion compared to today’s $175 billion. If the SEC denies the ETFs, XRP might see a short-term price drop as investors react. (MEXC)

Conclusion

XRP’s future depends on ETF approvals, competition with SWIFT, and growing institutional use after the SEC case ended. While legal risks have decreased, challenges around scaling and liquidity remain. Will the October ETF decision spark a new wave of interest in XRP and altcoins, or will SWIFT’s upgrades slow Ripple’s momentum?