Why did the price of XRP go up?

XRP increased by 0.69% to $2.90 in the last 24 hours, slightly outperforming the overall crypto market, which rose 0.68%. Three main factors are driving this movement:

1. Growing Excitement Around ETFs – The U.S. Securities and Exchange Commission (SEC) is expected to make decisions on 11 XRP ETF proposals between October 18 and 25, which is a positive sign.
2. Big Investors Buying More XRP – Large holders, often called "whales," have purchased $1.1 billion worth of XRP since August, showing confidence despite some fear among everyday investors.
3. Price Holding Key Levels – XRP’s price is staying above $2.70 support and is testing an important resistance level at $3.07, indicating mixed signals.

In-Depth Look

1. ETF Approval Expectations (Positive Outlook)

The SEC will decide on 11 applications for XRP exchange-traded funds (ETFs) by late October. These include proposals from well-known firms like Fidelity and VanEck. If approved, analysts expect between $3 billion and $8 billion to flow into XRP, similar to what happened with Bitcoin and Ethereum ETFs in the past (source).

What this means for investors is that many are buying XRP ahead of these decisions, as the coin has already gained 446% over the past year, showing strong interest from institutional investors. Approval of these ETFs would confirm XRP’s legitimacy following its legal battles and could open the door to more regulated investment.

Keep an eye on the SEC’s decisions between October 18 and 25. If multiple ETFs get approved at once, it could create a surge in buying due to fear of missing out (FOMO), similar to what happened with Bitcoin ETFs in January 2024.

2. Big Investors vs. Retail Sentiment (Positive Outlook)

While everyday investors seem cautious or fearful (with a bullish-to-bearish ratio below 1), large investors have been buying heavily. In just three days, whales added about 55 million XRP, worth roughly $1.1 billion. Since August, the total amount of XRP held by these big investors has steadily increased (source).

Historically, when retail investors panic, it often signals a buying opportunity that leads to price rallies. For example, in April, XRP rebounded by 125% after similar sentiment patterns. The buying activity by whales suggests they are positioning themselves strategically ahead of potential ETF approvals or other positive news.

3. Technical Analysis Shows Mixed Signals

XRP’s price is currently holding above a key support level at $2.70 but is facing resistance near $3.07, which corresponds to an important Fibonacci retracement level. Technical indicators like the Relative Strength Index (RSI) at 44.63 and the Moving Average Convergence Divergence (MACD) at 0.0054 suggest the market momentum is neutral right now (

).

If XRP can break above $3.10 with strong volume, it could aim for higher targets around $3.60 to $3.70. However, if it fails to hold above $3.00, some investors might take profits, leading to a price pullback.

Conclusion

XRP’s recent gains show cautious optimism fueled by the potential for ETF approvals and strong buying from large investors. However, technical resistance levels are creating some uncertainty. The key question now is whether XRP can close above $3.10 with enough trading volume to confirm a new upward trend, or if delays from the SEC will cause the price to stabilize or pull back.

What could affect the price of XRP?

XRP’s price is currently caught between positive factors and ongoing risks.

1. ETF Approval Coming Soon – The SEC will decide on 11 spot XRP ETF applications by late October. Approval could bring in $3 to $8 billion in new investments.
2. Big Investors Buying – Large holders, known as whales, purchased 55 million XRP (worth $1.1 billion) over three days, showing confidence despite retail investors’ worries.
3. Key Price Levels – Holding support between $2.60 and $2.80 is important. If XRP breaks above $3.30, it could start a rally of 60% to 85%.

In-Depth Look

1. Regulatory Updates & ETF Outlook (Positive/Mixed)

The U.S. Securities and Exchange Commission (SEC) is expected to make a decision on 11 XRP ETF applications between October 18 and 25. This follows new crypto ETF guidelines introduced in September 2025. Analysts estimate there’s a 93% chance these ETFs will be approved (Polymarket). If approved, these ETFs could attract $3 to $8 billion in new investments. Additionally, Ripple is awaiting a decision on its U.S. banking charter, expected by October, which could increase trust from big financial institutions.

What this means: If the ETFs get approved, XRP could follow a growth path similar to Bitcoin and Ethereum in 2024, offering a regulated way for institutions to invest. But if there are delays or rejections, XRP’s price might fall back to the $2.60 to $2.75 range.

2. Whale Buying vs. Retail Fear (Positive/Contrarian)

Despite retail investors showing fear at a six-month high, whales bought 55 million XRP (about $1.1 billion) between October 5 and 7. The Net Holder Position Change, a measure of how much XRP is being accumulated, has been positive since August, indicating steady buying near the $3 mark.

What this means: Historically, when big investors buy while retail investors are fearful, it often signals a coming price increase. However, there is still a risk that some investors might sell near the $3.66 level, which was XRP’s high in July, especially if ETF news disappoints.

3. Technical and On-Chain Signals (Neutral to Positive)

XRP is holding above important support levels between $2.60 and $2.80. It also broke out of a seven-year downward trend against Bitcoin in late 2024. Technical analysis using Fibonacci extensions points to a potential price target of $6.90 if XRP can break above $3.30.

What this means: Closing above $3.30 would confirm positive momentum. But if XRP falls below $2.60, it could drop further to $2.22. Current momentum indicators like RSI (44.63) and MACD suggest the price is neutral and waiting for a strong trigger to move higher.

Conclusion

XRP’s near-term direction depends heavily on the SEC’s ETF decisions and continued buying by large investors. Long-term growth will likely be influenced by Ripple’s progress in integrating with the banking system and the adoption of RLUSD (Ripple’s stablecoin). Keep a close eye on the $3.30 resistance level and the SEC’s October rulings. Approval could push XRP toward $5, while rejection might lead to testing lower support levels. The big question remains: Will ETFs finally help XRP break free from Bitcoin’s influence and attract more institutional demand?

What are people saying about XRP?

XRP’s online buzz is a mix of cautious technical signals and big investor moves. Here’s what’s trending:

1. Bearish divergence warnings – Experts see signs that XRP’s recent price gains might be losing steam
2. Whale accumulation – Huge transfers of 824 million XRP in a short time hint at interest from large investors
3. ETF speculation – A new ETF linked to former President Trump includes 2% XRP, sparking hope for regulatory approval

Deep Dive

1. @Crypto World: Weekly chart shows bearish divergence 🚨

“XRP’s price made higher highs, but RSI made lower highs – a classic warning sign of fading momentum.”
– Josh (Crypto World) · July 24, 2025, 05:03 UTC
What this means: This is a bearish signal for XRP. In the past (2020-2021), similar patterns led to price drops of over 60%. Traders are closely watching the $2.75 support level to see if it holds.

2. @cryptoWZRD_: Whale moves spark volatility debates 🐋

“824M XRP shifted in hours – Ripple’s escrow activity suggests strategic positioning ahead of Q4.”
– cryptoWZRD_ (58K followers · 1.2M impressions · Sept 5, 2025, 02:36 UTC)
What this means: Large XRP transfers can mean different things. It might be big investors accumulating XRP or preparing for new institutional products. XRP’s reserves on exchanges hit a record high of 3.6 billion, which could increase selling pressure.

3. @CoinMarketCap: ETF hopes resurface with political twist 🇺🇸

“Trump’s ‘Truth Social Crypto Blue Chip ETF’ includes 2% XRP allocation – first political endorsement of its kind.”
– CMC Analysis · August 12, 2025, 02:48 UTC
What this means: If approved, this ETF could be a big positive for XRP by showing regulatory acceptance. However, the SEC has delayed decisions on other XRP ETFs until November 2025, so expectations remain cautious.

Conclusion

Opinions on XRP are mixed. Technical signals suggest caution, while big investor moves and ETF news keep optimism alive. Watch the $3.40 resistance level closely—breaking above it could ease fears of a price drop and restart the upward trend. Also, keep an eye on Ripple’s RLUSD stablecoin adoption, which might help counteract technical concerns.

What is the latest news about XRP?

XRP is balancing excitement over a potential ETF approval with concerns from everyday investors and some technical uncertainty. Here’s the latest update:

1. XRP ETF Decision Coming Soon (October 18–25, 2025) – The SEC will decide on 11 spot XRP ETF proposals. Experts expect over $3 billion could flow in if these ETFs get approved.
2. Leveraged XRP ETFs Grow Fast (October 7, 2025) – GraniteShares and ProShares’ leveraged XRP ETFs now manage $500 million, showing growing interest from big investors.
3. BNB Moves Past XRP in Market Ranking (October 8, 2025) – BNB’s 26% jump this week pushed it ahead of XRP, which remains the 4th largest cryptocurrency by market cap at $173 billion.

In-Depth Look

1. XRP ETF Decision Coming Soon (October 18–25, 2025)

What’s Happening:
The U.S. Securities and Exchange Commission (SEC) will soon decide whether to approve or reject 11 proposals for spot XRP ETFs from major firms like Grayscale, Fidelity, and Franklin Templeton. These applications follow new SEC rules for crypto ETFs introduced in September 2025. If approved, experts predict $3 to $8 billion could flow into XRP ETFs within a few months, similar to what happened when Bitcoin ETFs were first approved.

Why It Matters:
Approval would confirm XRP’s improved regulatory standing after its lawsuit and could attract more institutional investors. On the other hand, delays or rejections might cause some investors to sell, especially since there are currently $9 billion in open XRP derivatives trades (CoinDesk).

2. Leveraged XRP ETFs Grow Fast (October 7, 2025)

What’s Happening:
Leveraged XRP ETFs, which aim to multiply daily returns by 2x or 3x, now hold $500 million in assets. GraniteShares offers 3x long and short funds, while ProShares offers a 2x fund. These ETFs rebalance daily and don’t rely on perpetual futures contracts, making them attractive to traders who want to avoid risks associated with centralized exchanges.

Why It Matters:
While these ETFs can increase short-term price swings, their growth shows that the market infrastructure for trading XRP is maturing. However, because of daily resets, these products are risky for investors who want to hold them long term (CryptoSlate).

3. BNB Moves Past XRP in Market Ranking (October 8, 2025)

What’s Happening:
BNB, the native token of Binance Smart Chain, surged 26% this week, overtaking XRP to become the third-largest cryptocurrency by market cap. This rally was helped by new features like MetaMask’s in-wallet perpetual trading and upgrades to the Binance Smart Chain. Meanwhile, XRP gained 4.2% but couldn’t keep pace, despite large investors accumulating $1.1 billion worth since August.

Why It Matters:
This shift shows XRP is struggling to take advantage of positive market trends. Still, XRP’s price support between $2.60 and $2.80 remains strong. If XRP can break above $3.30, it might regain momentum (U.Today).

Conclusion

October is a critical month for XRP, with important ETF decisions and Bitcoin’s price swings testing its $2.60 to $3 range. The rise of leveraged ETFs and big investor activity suggest growing confidence from institutions. However, BNB’s recent gains and ongoing retail investor fears remind us that market sentiment is still fragile. The big question remains: will SEC approvals bring clearer regulations and help XRP’s price performance catch up?

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 will introduce a USD-backed stablecoin to improve liquidity on the XRP Ledger (XRPL).
2. EVM Sidechain Integration (Q4 2025) – A new bridge will connect XRPL with Ethereum and Cosmos blockchains, making it easier for developers to work across platforms.
3. XRP ETF Decisions (October 18–25, 2025) – The U.S. Securities and Exchange Commission (SEC) will decide on several applications for XRP-based exchange-traded funds (ETFs).
4. Multi-Purpose Tokens (October 2025) – A new token standard will allow for flexible digital assets like bonds and real-world assets (RWAs) on XRPL.

Deep Dive

1. RLUSD Stablecoin Launch (Late 2025)

What is it? Ripple plans to launch RLUSD, a stablecoin fully backed by U.S. government bonds and bank deposits. It will be available on both Ethereum and XRPL. This stablecoin aims to increase liquidity on XRPL’s decentralized exchange and use XRP as a bridge currency to facilitate trades. Ripple’s recent purchase of Standard Custody & Trust Company supports regulatory compliance for this project.
Why it matters: This is good news for XRP because it could lead to more trading activity and make XRP more useful in cross-border payments. Clear regulations and interest from big financial players could strengthen XRP’s position in the market.

2. EVM Sidechain Integration (Q4 2025)

What is it? Ripple is working with Axelar to create an Ethereum Virtual Machine (EVM)-compatible sidechain. This will connect XRPL with over 55 other blockchains, including Ethereum and Cosmos. It replaces an older bridge system and allows developers from these ecosystems to build applications on XRPL more easily.
Why it matters: This could expand the number of developers working with XRP and increase its use cases. While promising, its success depends on how well the community adopts it and how smoothly the technology works.

3. XRP ETF Decisions (October 18–25, 2025)

What is it? The SEC will review applications for spot XRP ETFs from companies like Grayscale, 21Shares, and Bitwise. Analysts estimate a 93% chance these ETFs will be approved (source).
Why it matters: Approval would be very positive for XRP, as ETFs make it easier for institutional investors to buy XRP, potentially bringing in large amounts of capital. If denied, XRP’s price could see short-term ups and downs.

4. Multi-Purpose Tokens (October 2025)

What is it? Ripple will introduce the Multi-Purpose Token (MPT) standard, which supports semi-fungible tokens. These tokens can represent things like bonds, real-world assets, and other regulated financial products. This fits into Ripple’s plan to grow institutional decentralized finance (DeFi) on XRPL.
Why it matters: MPTs could make XRPL a key platform for regulated financial assets, competing with Ethereum and attracting more institutional use.

Conclusion

XRP’s upcoming roadmap focuses on growing institutional use (with RLUSD and ETFs), improving cross-chain compatibility (EVM sidechain), and enabling new financial products (MPTs). Regulatory decisions and technical updates in late 2025 will likely influence XRP’s price and adoption. With many important developments happening in Q4 2025, it will be interesting to see how XRP balances its role in payments with expanding into broader DeFi opportunities.

What updates are there in the XRP code base?

The latest updates to the XRP Ledger focus on improving features for businesses, boosting security, and ensuring compliance.

1. Batch Transactions & Token Escrow (June 2025) – Lets users group multiple transactions together and securely manage different types of digital assets.
2. XLS-86 Firewall Amendment (September 2025) – Adds customizable rules to help prevent scams and unauthorized transactions.
3. XRPL v2.5.0 Rollback Advisory (October 2025) – Recommended rollback to a previous version to fix stability issues after problems with the newer update.

Deep Dive

1. Batch Transactions & Token Escrow (June 2025)

Overview: Released in XRPL version 2.5.0, this update allows multiple transactions to be combined and executed all at once. It also expands escrow features to support tokens beyond XRP, including IOUs and Multi-Purpose Tokens (MPTs).

Technical Details:

• Batch (XLS-56): Developers can now bundle up to 8 transactions into one atomic operation. This reduces fees and enables more complex processes, like swapping assets across different blockchains.
• TokenEscrow (XLS-85): Escrow services now work with non-XRP tokens, such as the RLUSD stablecoin, allowing for automated schedules like vesting or collateral management.

What this means: This update is positive for XRP because it opens up more opportunities in decentralized finance (DeFi) and institutional applications, such as tokenized real estate and automated payroll systems. (Source)

2. XLS-86 Firewall Amendment (September 2025)

Overview: Proposed by a validator named ‘Vet,’ this security update lets users set custom limits on outgoing transactions, like restricting amounts or timing.

Technical Details:

• Trusted accounts can be whitelisted to bypass these restrictions.
• The feature is optional, so users can enable it without affecting their normal activities.

What this means: This change is neutral for XRP’s market but improves protection for everyday users against scams. It also makes the XRP Ledger more attractive to regulated businesses. (Source)

3. XRPL v2.5.0 Rollback Advisory (October 2025)

Overview: Due to memory and software library issues in version 2.6.0, validators were advised to revert to version 2.5.1 to keep the network stable.

Technical Details:

• Keeps important fixes that prevent consensus delays.
• Removes unstable features like the FlowCross integration.

What this means: This is a neutral update, showing the team’s commitment to maintaining network reliability while addressing technical challenges as the ledger grows. (Source)

Conclusion

These recent updates highlight the XRP Ledger’s focus on supporting business use cases through batch transactions and stronger security measures, while also managing technical hurdles. With real-world asset (RWA) tokenization reaching $131.6 million in Q2 2025, these improvements could help XRP play a bigger role in connecting traditional finance with blockchain technology.