What is expected in the development of XRP?

XRP’s development is moving forward with these key milestones:

1. RLUSD Stablecoin Launch (Late 2025) – Ripple plans to introduce RLUSD, a stablecoin pegged to the U.S. dollar, to improve liquidity on the XRP Ledger (XRPL) and encourage decentralized finance (DeFi) use.
2. EVM-Compatible Sidechain (Q4 2025) – A new sidechain compatible with Ethereum’s technology will connect to XRPL, making it easier for developers from Ethereum and Cosmos to build on XRP’s network.
3. Tokenized Real-World Assets (2025–2026) – Through a partnership with Archax, Ripple aims to tokenize over $100 million worth of real-world assets like commodities and bonds on XRPL.
4. XRPL Apex 2025 in Asia (2025) – A major conference planned in Asia to highlight XRPL’s growth and partnerships in the region.

Deep Dive

1. RLUSD Stablecoin Launch (Late 2025)

Overview: Ripple announced RLUSD at the XRPL Apex 2024 event. This stablecoin will be available on both Ethereum and XRPL networks. Its goal is to increase liquidity on XRPL’s decentralized exchange and make cross-border payments smoother by using XRP as a bridge currency. Ripple’s recent acquisition of Standard Custody helps ensure the project meets regulatory standards (XRP Ledger Apex 2024).
What this means: This is positive news for XRP’s usefulness, as RLUSD could boost trading activity and attract institutional investors. However, there are risks from regulatory scrutiny of stablecoins and competition from established stablecoins like USDC.

2. EVM-Compatible Sidechain (Q4 2025)

Overview: Ripple is working with Axelar to create a sidechain that supports the Ethereum Virtual Machine (EVM). This sidechain will connect to XRPL’s main network, allowing developers familiar with Ethereum and Cosmos to build applications on XRPL more easily (XRP Ledger Apex 2024).
What this means: This development could attract more developers and expand XRPL’s use cases. Success depends on how well the integration works and the incentives offered. Technical delays could be a challenge.

3. Tokenized Real-World Assets (2025–2026)

Overview: Ripple’s partnership with Archax aims to bring real-world assets like commodities and bonds onto XRPL by tokenizing them. This effort uses XRPL’s Multi-Purpose Tokens (MPTs) and Oracles to ensure compliance with regulations (XRP Ledger Apex 2024).
What this means: This is promising for institutional adoption of XRPL. The project’s success will depend on clear regulations and demand for blockchain-based asset tokenization.

4. XRPL Apex 2025 in Asia (2025)

Overview: Building on the 2024 event in Amsterdam, XRPL Apex 2025 will focus on expanding XRPL’s presence in Asia. The XRPL Japan & Korea Fund, which has 1 billion XRP allocated, will support hackathons, grants, and partnerships with companies in the region (XRP Ledger Apex 2024).
What this means: This is good news for XRPL’s growth, as Asia’s crypto-friendly environment could speed up adoption. However, geopolitical issues might slow progress.

Conclusion

XRP’s roadmap highlights key areas like interoperability (through the EVM sidechain), institutional DeFi (with RLUSD and tokenized real-world assets), and regional growth (especially in Asia). Technical improvements such as batch transactions and token escrows will also strengthen XRPL’s infrastructure. With important regulatory decisions, like ETF approvals, expected in October 2025 (CoinMarketCap News), regulatory clarity will be a major factor. The question remains: will XRP’s focus on compliance and real-world applications help it overcome market ups and downs in 2025–2026?

What updates are there in the XRP code base?

The latest updates to the XRP Ledger focus on improving scalability, regulatory compliance, and decentralized finance (DeFi) features.

1. Batch Transactions (June 2025) – Lets users combine multiple operations into one, so they all succeed or fail together.
2. Token Escrow Upgrade (June 2025) – Expands escrow capabilities to support assets beyond XRP, like stablecoins.
3. Permissioned DEX (June 2025) – Adds controls to decentralized exchanges to meet regulatory requirements.

In-Depth Look

1. Batch Transactions (June 2025)

What it is: This update allows up to eight transactions to be grouped and executed as a single unit. If one part fails, the entire group fails, ensuring consistency. This reduces costs and simplifies complex processes like swapping assets across different blockchains.

Developers can now perform multi-step actions—such as payments and token swaps—in one seamless operation. This addresses a roughly 30% failure rate seen in previous versions and improves transaction speed, which is especially important for businesses and large-scale users.

Why it matters:
This is a positive development for XRP because it makes the network more efficient and attractive for businesses and DeFi projects. It helps XRP Ledger compete better with platforms like Ethereum and Solana. (Source)

2. Token Escrow Upgrade (June 2025)

What it is: Escrow functions, which were previously limited to XRP, now support other tokens such as stablecoins (like RLUSD) and tokenized real-world assets through the XLS-85 standard.

This means tokens can be locked for specific purposes like scheduled releases (vesting), secured loans, or conditional payments.

Why it matters:
This change is somewhat positive because it broadens how institutions can use the XRP Ledger for managing assets. However, its full benefits depend on wider adoption of tokens built on XRPL. (Source)

3. Permissioned DEX (June 2025)

What it is: This update introduces decentralized exchanges (DEXs) with built-in Know Your Customer (KYC) and Anti-Money Laundering (AML) controls. Issuers can limit trading to approved participants only.

This aligns the XRP Ledger with financial regulations, allowing compliant trading of securities and other restricted assets.

Why it matters:
This is a strong positive for XRP because it opens the door for regulated institutions to enter the crypto space using XRPL. However, its success depends on how many issuers adopt these features. (Source)

Conclusion

The June 2025 upgrades strengthen the XRP Ledger’s position in institutional DeFi and compliance-focused finance. While these changes might not immediately affect XRP’s price, they set the stage for long-term growth and increased real-world use. As validators finalize these updates, the key question is how quickly businesses will start using these new tools.

Why did the price of XRP go up?

XRP increased by 1.16% in the last 24 hours, reaching $3.00. This follows a 7-day upward trend of 5.11%, although it slightly lags behind the overall cryptocurrency market’s 1.75% gain. The main factors driving this rise include optimism around ETF approvals, positive technical signals, and buying activity from large investors and institutions.

1. ETF Approval Speculation Grows – Social media buzz hits record levels.
2. Technical Indicators Show Strength – Positive MACD crossover and strong Fibonacci support.
3. Big Investors Are Buying – Galaxy Digital and others purchased over $34 million worth of XRP.

In-Depth Analysis

1. XRP Spot ETF Speculation (Positive Influence)

Summary:
Conversations on social media about XRP spot ETFs have surged to all-time highs. Bloomberg reports there are 7 ETF filings planned for 2025. Experts estimate a 98% chance these ETFs will be approved (Bit2Me), pointing to progress the SEC has made with similar crypto ETFs. Steven McClurg from Canary Capital predicts that $5 billion could flow into XRP in the first month after approval.

Why it matters:
If ETFs get approved, the companies issuing them will need to buy XRP, which would reduce supply and likely push prices up. The CME XRP futures market has already seen $1 billion in open interest, showing that big investors are positioning themselves. Approval would also clarify XRP’s legal status, easing long-term uncertainty.

What to watch:
Important SEC decision dates are coming up: Grayscale on October 18, Bitwise on October 20, and others later in October.

2. Technical Momentum Builds (Positive Influence)

Summary:
XRP has broken out of a downward price channel that lasted several weeks. The MACD indicator turned positive (+0.014), and the price is holding above the 50% Fibonacci retracement level at $3.03. The 7-day Relative Strength Index (RSI) is at 59.35, indicating there’s still room for the price to rise before it becomes overbought.

Why it matters:
The $2.97 price level is now acting as support. If XRP can stay above $3.03, it could aim for $3.20, which is the next Fibonacci resistance level. However, the 30-day Simple Moving Average (SMA) at $2.96 remains an important support line to watch.

3. Institutional Buying Activity (Mixed Influence)

Summary:
Galaxy Digital has increased its XRP holdings by $34.4 million, according to Bitget. Additionally, large “whale” wallets moved 1.29 million XRP recently (CoinMarketCap).

Why it matters:
These large purchases show that institutional investors are confident in XRP’s medium-term potential. However, when holdings are concentrated among a few big players, there’s a risk of price swings if they decide to sell. Notably, XRP’s 24-hour trading volume dropped 28% to $4.37 billion, suggesting that everyday retail investors are more cautious despite institutional interest.

Conclusion

XRP’s recent price increase is driven by a combination of hopeful ETF news, strong technical signals, and strategic buying by big investors. However, lower retail trading volume means the price depends heavily on institutional support. Key question: Will the SEC approve ETFs in October and confirm this bullish outlook, or will delays cause investors to take profits?

What could affect the price of XRP?

XRP shows strong potential for growth but still faces some regulatory uncertainties.

1. ETF Approval Chances (98%) – If the SEC approves spot ETFs in October, over $5 billion could flow into XRP.
2. Whale Activity – Large holders control 47 billion XRP (79% of total supply), which can cause price swings.
3. Technical Signals – XRP is testing a key resistance level at $3.70 after a positive momentum indicator.

In-Depth Look

1. Regulatory Developments (Positive for XRP)

The U.S. Securities and Exchange Commission (SEC) is expected to decide on several XRP spot ETF applications by late October 2025, with a 98% chance of approval according to Polymarket. If approved, this could bring in more than $5 billion in new investments during the first month, based on what happened with Bitcoin ETFs. Additionally, Ripple’s recent $125 million settlement with the SEC in August 2025 has cleared up major legal uncertainties.

Why this matters:
Approval would confirm XRP’s regulatory status and open the door for institutional investors through ETFs, similar to Bitcoin’s 62% price jump after its ETF approval in 2024. While delays might cause short-term price swings, the resolved lawsuit lowers the risk of major setbacks.

2. Whale Activity (Mixed Effects)

Large holders, known as whales, control 47.32 billion XRP, worth about $141 billion at $3 per XRP. Recent trends show:

• Weekly transfers of 260 million XRP to exchanges (up from 141 million in July)
• A record 2,743 wallets holding over 1 million XRP each, despite price stability

Why this matters:
When a few holders control most of the supply, prices can move quickly. Accumulation by whales suggests confidence, but increased XRP moving to exchanges could mean some are preparing to sell. For example, $31 million worth of XRP was liquidated during a price drop to $3 in August, showing whales’ influence on the market.

3. Technical Analysis (Positive Outlook)

On September 9, XRP broke out of a 7-month downward trend:

• The MACD momentum indicator turned positive (+0.0145)
• XRP is testing the $3.70 resistance level, which is a key Fibonacci extension point (78.6% of the recent rally)
• The Relative Strength Index (RSI) is at 59.35, indicating there’s still room to grow without being overbought

Why this matters:
If XRP closes above $3.70, it could trigger automated buying pushing the price toward $4.29. However, if it falls below $2.84 support, it risks dropping 15% to around $2.51, near the 200-day moving average.

Conclusion

XRP’s performance in the last quarter of the year depends largely on whether ETFs get approved (which would be positive) versus selling pressure from large holders (which could be negative). Technical indicators currently lean toward a price increase if XRP breaks above $3.70. Keep an eye on SEC decisions and CME XRP futures open interest (currently $1 billion) for signs of what’s next.

What are people saying about XRP?

The XRP community is weighing hopeful technical signs against ongoing regulatory challenges. Here’s the latest:

1. A bullish inverse head-and-shoulders pattern hints at a breakout
2. A settlement with the SEC brings cautious optimism
3. Large investor moves and declining network activity raise concerns about potential selloffs

In-Depth Look

1. Inverse Head-and-Shoulders Pattern Indicates Possible Upside

@ZachRector7 recently noted that XRP is forming an inverse head-and-shoulders pattern, a chart formation often seen as a signal that prices may rise soon. If XRP breaks above $3.10, it could trigger a rally of 15-20%.
See the original post

What this means: This pattern suggests XRP might be moving out of a period of sideways trading and could start climbing higher.

2. SEC Settlement Brings Some Clarity, But Limits Remain

@dinlol shared that Ripple agreed to pay a $50 million penalty to settle its lawsuit with the U.S. Securities and Exchange Commission (SEC), ending a four-year legal battle.
See the original post

What this means: While this settlement removes a big source of uncertainty, the SEC will still oversee Ripple’s institutional sales, meaning some restrictions remain in place.

3. Large XRP Transfers and Falling Network Activity Signal Caution

@Crypto_Potato reported that 27 million XRP (worth about $85 million) was moved to Coinbase during a period of price stagnation. Additionally, active XRP addresses have dropped 44% since May.
See the original post

What this means: Large transfers to exchanges often precede selling pressure, and the decline in active users suggests less retail interest, both of which could lead to price drops.

Summary

XRP’s outlook is mixed. Technical charts show potential for a breakout, but regulatory oversight and big investor activity add uncertainty. The SEC settlement clears a major hurdle, but traders are watching closely for XRP to break through resistance levels between $3.10 and $3.40 to confirm a bullish trend. Also, keep an eye on the XRP/BTC pair—a move above 0.000051 BTC (currently 0.000047) could signal stronger momentum for XRP and other altcoins.

What is the latest news about XRP?

XRP is gaining momentum thanks to clearer regulations and excitement around ETFs, along with growing partnerships with major banks. Here’s the latest:

1. SEC Lawsuit Settled (September 8, 2025) – Ripple reached a settlement with the SEC, confirming XRP as a commodity.
2. Spot ETF Approval Chances at 98% (September 9, 2025) – Experts predict $5 billion could flow in if approved.
3. Big Banks Adopt XRP Payment Solutions (September 8, 2025) – Santander and Standard Chartered are using Ripple’s technology to cut costs.

In-Depth Look

1. SEC Lawsuit Settled (September 8, 2025)

What happened: Ripple agreed to pay a $125 million penalty to settle its lawsuit with the SEC. XRP is now officially classified as a commodity under the CLARITY Act, similar to Bitcoin and Ethereum. The Commodity Futures Trading Commission (CFTC) will regulate XRP markets, removing previous legal uncertainties.
Why it matters: This is positive news for XRP because it removes major regulatory risks. It also opens the door for XRP to be included in ETFs and integrated more fully into traditional financial systems. (Bitget)

2. Spot ETF Approval Chances at 98% (September 9, 2025)

What happened: Social media buzz and Bloomberg reports show that the SEC is reviewing over a dozen XRP ETF proposals, including seven spot ETFs. Analysts like Steven McClurg from Canary Capital expect around $5 billion to flow into XRP within a month if these ETFs get approved, based on similar trends seen with Bitcoin ETFs.
Why it matters: Approval could lead to a surge in buying from both retail investors and institutions. However, some delays are still possible as the SEC continues to review its overall crypto ETF policies. (Bit2Me)

3. Big Banks Adopt XRP Payment Solutions (September 8, 2025)

What happened: Ripple’s On-Demand Liquidity (ODL) service handled $1.3 trillion in transactions during Q2 2025. Banks like Santander, Standard Chartered, and American Express reported saving 70–90% in costs compared to traditional SWIFT transfers. Meanwhile, the Grayscale XRP Trust’s net asset value jumped 414% year-over-year to $55.79.
Why it matters: This shows XRP’s growing usefulness in real-world banking, especially for cross-border payments. However, some debate remains about Ripple’s control over XRP supply, with 59 billion tokens in circulation and 41 billion held in escrow. (Bitget)

Conclusion

XRP is positioned as a key link between cryptocurrency and traditional finance thanks to legal clarity, ETF prospects, and expanding bank partnerships. While the outlook is positive, challenges remain around the timing of ETF approvals and how Ripple manages its token supply. Will XRP see more institutional investment than tokens released from escrow in the last quarter of 2025?