Why did the price of XRP go up?

XRP rose 5.34% in the last 24 hours, outperforming its 7-day gain of 8.42% and improving on its 30-day decline of 12.1%. The main reasons behind this movement are:

1. Institutional Growth – Ripple’s $1.25 billion acquisition of Hidden Road, now called Ripple Prime, is integrating XRP and the RLUSD stablecoin into global financial services.
2. ETF Interest – T. Rowe Price’s filing for a crypto ETF includes XRP, showing growing institutional demand.
3. Technical Strength – XRP’s price bounced back above a key $2.50 level, supported by positive technical signals.

In-Depth Analysis

1. Ripple Prime Launch (Positive Outlook)

What happened: Ripple completed its purchase of Hidden Road, a prime brokerage firm, and rebranded it as Ripple Prime. This new platform will offer services across multiple asset types like foreign exchange, derivatives, and digital assets, all connected to the XRP Ledger and the RLUSD stablecoin.

Why it matters:

• This gives big financial players easier access to XRP Ledger and RLUSD, which could speed up XRP’s use in lending and international payments.
• RLUSD is already being used as collateral in derivatives trading, increasing demand for XRP as a liquidity bridge.

What to watch: Adoption rates of RLUSD and Ripple Prime’s planned service rollouts in late 2025.

2. ETF Developments & Investment Flows (Mixed Signals)

What happened: T. Rowe Price filed for an Active Crypto ETF in October 2022 that includes XRP along with Bitcoin (BTC), Ethereum (ETH), and others. Additionally, Grayscale’s GDLC ETF, which holds about 4.8% XRP, started trading on the New York Stock Exchange.

Why it matters:

• Including XRP in ETFs suggests growing regulatory acceptance after the SEC lawsuit, but final approval is still pending.
• XRP’s impressive 379% yearly gain reflects optimism about spot ETF approvals, though most investment money still flows into Bitcoin and Ethereum products.

What to watch: The SEC’s decision on XRP-related ETF filings expected by late October.

3. Technical Price Action (Neutral to Positive)

What happened: XRP’s price moved above the 38.2% Fibonacci retracement level at $2.50, with the MACD indicator turning positive, signaling potential upward momentum.

Why it matters:

• The Relative Strength Index (RSI) at 46 shows there’s room for the price to rise, but resistance is expected around $2.55 to $2.60.
• Large investors (“whales”) bought 900 million XRP in 48 hours, a pattern that often precedes price rallies but can also lead to profit-taking.

What to watch: Whether XRP can stay above $2.60 to confirm a bullish trend or if it will fall back to support near $2.35.

Conclusion

XRP’s recent price increase is driven by growing institutional interest (Ripple Prime launch and ETF filings) and positive technical signals. However, it faces resistance levels and cautious market sentiment, with the Crypto Fear & Greed Index at 34 indicating some lingering uncertainty.

What to monitor: Can XRP maintain support at $2.50 and attract more buyers, or will Bitcoin’s dominant market share (59%) limit gains for altcoins? Keep an eye on RLUSD adoption and ETF approval updates for clearer direction.

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What could affect the price of XRP?

XRP’s future price depends on clear regulations, progress with ETFs, and how widely its network is used.

1. ETF Approvals (Positive) – Several spot XRP ETF decisions are expected by October 2025.
2. Whale Activity (Mixed) – Big investors bought 900 million XRP in 48 hours, but a lot also moved to exchanges, which could lead to selling.
3. Technology Upgrades (Positive) – New features on the XRP Ledger aim to improve privacy and expand its uses.

In-Depth Look

1. ETF Approvals (Positive Impact)

What’s Happening:
The U.S. Securities and Exchange Commission (SEC) has deadlines coming up for XRP ETF applications from companies like Grayscale (October 18) and Franklin Templeton (October 25). Experts believe there’s about a 93% chance these ETFs will be approved (Polymarket). Grayscale’s XRPR ETF already manages over $100 million, and CME XRP futures have reached $26 billion in trading volume over five months.

Why It Matters:
If approved, these ETFs could bring in $4.3 to $8.4 billion from institutional investors (SEC filings), similar to how Bitcoin’s price surged after ETF approvals in 2024. If rejected, XRP’s price might drop 15–20%, falling to around $2.00–$2.20.

2. Whale Buying vs. Selling (Mixed Impact)

What’s Happening:
Large investors, often called “whales,” bought 900 million XRP (worth about $2.25 billion) within two days (October 24–25). However, during the same time, 567 million XRP were moved to exchanges, which could mean some whales are preparing to sell. Whales holding more than 10 million XRP control about 10.6% of the total supply and have historically bought before big price increases.

Why It Matters:
If whales keep buying, XRP’s price could rise to $3.00–$3.40 (ChartNerd). But with $553 million XRP released from Ripple’s escrow on October 24 and more XRP moving to exchanges, there’s a risk of selling pressure if ETF approvals don’t go well.

3. XRP Ledger Technology Upgrades (Positive Impact)

What’s Happening:
The XRP Ledger (XRPL) has a roadmap for late 2025 that includes adding zero-knowledge proofs, which help keep transactions private, and launching a built-in lending system. Ripple also plans to integrate its RLUSD stablecoin with BNY Mellon for custody services.

Why It Matters:
These upgrades could attract more developers and users to the XRPL, increasing the total value locked (TVL) in its decentralized finance (DeFi) ecosystem, which is currently $131.6 million. In the past, XRP’s price jumped 80% after launching an Ethereum Virtual Machine (EVM) sidechain in June 2025 (source).

Conclusion

XRP’s short-term price will likely be influenced by ETF approval outcomes and whale trading behavior. Long-term value depends on how widely the XRP Ledger is adopted for payments and DeFi. A price move above $2.80 could signal strong upward momentum, while dropping below $2.35 might lead to testing the $2.00 support level.

The big question: Will the ETF decisions in October confirm XRP as a compliant and trusted asset, or will regulatory uncertainty continue to hold it back?

What are people saying about XRP?

XRP’s online buzz is split between hopes for a price surge and worries about a drop. Here’s what’s trending:

1. Bullish chart patterns suggest a possible rise to $6
2. Large XRP transfers hint at accumulation by big players
3. Technical signals warn of a potential 60% price drop

In-Depth Look

1. @ZachRector7: Bullish inverse head-and-shoulders pattern forming

"Now XRP is starting to print an inverse head and shoulders pattern. Breakout near."
– @ZachRector7 (210K followers · 1.2M impressions · 2025-09-02 15:58 UTC)
View original post
What this means: This chart pattern is generally a positive sign, often indicating that the price could soon rise. If XRP closes above $3.30, it could confirm a move toward $6.

2. @Brett_Crypto_X: Large XRP transfers to Ripple show mixed signals

"200M + 300M XRP moved from unknown wallets to Ripple. What’s Ripple planning?"
– @Brett_Crypto_X (89K followers · 650K impressions · 2025-09-03 16:49 UTC)
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What this means: This is neutral news. Big transfers of XRP to Ripple could mean that institutions are accumulating XRP or preparing for escrow-related moves. However, the exact purpose is unclear, so investors remain cautious.

3. @JohnMorganFL: Bearish divergence signals risk of a big drop

"XRP could drop 60% if weekly bearish divergence plays out, mirroring 2021 cycles."
– @JohnMorganFL (320K followers · 2.1M impressions · 2025-08-05 02:25 UTC)
View original post
What this means: This is a warning sign. A bearish divergence on the weekly charts has historically led to significant price corrections lasting several months. The $2.75 level is a critical support point—if XRP falls below this, it could trigger a steep decline.

Conclusion

The outlook for XRP is mixed. On one hand, positive chart patterns and large transfers suggest some accumulation and potential for gains. On the other hand, technical warnings and broader economic and regulatory challenges could lead to deeper price drops. Keep a close eye on the $2.75 to $3.30 price range—breaking above or below this zone will likely determine XRP’s next major move.

What is the latest news about XRP?

XRP is facing important ETF deadlines and some price ups and downs, while Ripple strengthens its connections with big financial institutions.

1. Grayscale ETF Launch (October 24, 2025) – A new crypto ETF listing on the NYSE includes XRP, increasing its appeal to institutional investors.
2. TD Sequential Buy Signal (October 24, 2025) – A technical chart pattern suggests XRP might see a short-term price increase.
3. SEC Decision on XRP ETFs (October 18, 2025) – The U.S. Securities and Exchange Commission (SEC) is expected to make a final decision on XRP spot ETFs by late October.

Deep Dive

1. Grayscale ETF Launch (October 24, 2025)

What happened: Grayscale celebrated the launch of its Grayscale Coindesk Crypto 5 ETF on the New York Stock Exchange. This ETF includes XRP (5.01%) along with Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and Cardano (ADA). It tracks the CoinDesk 5 Index and aims to cover about 90% of the crypto market. Additionally, T. Rowe Price filed for an Active Crypto ETF that also includes XRP.
Why it matters: ETFs make it easier for investors to buy into cryptocurrencies through traditional stock markets, which can increase demand for XRP. However, since Bitcoin and Ethereum are larger players, XRP’s growth from ETFs might be more limited compared to those coins.
(Source: Bitcoin.com)

2. TD Sequential Buy Signal (October 24, 2025)

What happened: A technical indicator called the TD Sequential gave a “buy” signal on XRP’s 4-hour price chart after nine straight periods of price decline. Historically, this pattern often signals a potential price reversal. Following this, XRP’s price rose about 9% over the week to $2.45.
Why it matters: This suggests a possible short-term price increase for XRP. However, whether this rally lasts depends on the overall market mood. Similar signals have appeared in other cryptocurrencies like LINK, hinting at a broader positive trend. A price move above $2.55 would confirm stronger momentum.
(Source: NewsBTC)

3. SEC Decision on XRP ETFs (October 18, 2025)

What happened: The SEC is expected to announce its final decision on spot XRP ETFs from companies like Grayscale, 21Shares, and Bitwise between October 18 and 25. Market predictions show about a 75% chance of approval, helped by Ripple’s recent legal settlement with the SEC.
Why it matters: If approved, these ETFs could bring significant institutional investment into XRP, similar to what happened with Bitcoin ETFs in 2024. This could mean billions of dollars flowing into XRP. On the other hand, delays or rejection could cause uncertainty and slow down growth.
(Source: Polymarket)

Conclusion

XRP’s future depends on a mix of technical price signals, upcoming ETF decisions, and Ripple’s growing partnerships with financial institutions. Positive news like ETF approvals or breaking above $2.60 could boost XRP’s price and momentum. But if XRP falls below $2.30, it might continue to struggle through the end of the year. The key question is whether October’s regulatory decisions will help XRP gain wider acceptance or keep it stuck in a holding pattern.

What is expected in the development of XRP?

XRP’s development is focused on building tools for institutional decentralized finance (DeFi), improving how different blockchains work together, and turning real-world assets (like bonds or commodities) into digital tokens. Here are the key upcoming milestones:

1. Protocol-Level Lending (Late 2025) – A built-in system for regulated institutions to borrow and lend money directly on the XRP Ledger (XRPL).
2. Confidential Multi-Purpose Tokens (Early 2026) – Privacy-enhanced tokens that help institutions manage collateral securely.
3. Real-World Asset Tokenization Growth (2025–2026) – Expanding the tokenization of assets through a partnership with Archax, involving hundreds of millions in value.
4. XRPL Apex 2025 in Asia – A major event aimed at increasing adoption of XRP technology across the Asia-Pacific region.

Deep Dive

1. Protocol-Level Lending (Late 2025)

Overview:
Ripple plans to introduce a lending system built directly into the XRP Ledger by late 2025 (Blockworks). This will allow institutions to pool funds and offer loans in a compliant way. Retail users will also be able to earn interest by providing liquidity.

What this means:
This development is very positive for XRP because it could attract large institutional investors and strengthen XRPL’s position in DeFi. However, it will require approval from network validators and integration with regulatory tools like Know Your Customer (KYC) and Anti-Money Laundering (AML) checks.

2. Confidential Multi-Purpose Tokens (Early 2026)

Overview:
In early 2026, XRPL will add zero-knowledge proofs (ZKPs) to its Multi-Purpose Tokens (U.Today). This technology allows transactions to be private while still being verifiable by regulators.

What this means:
This is somewhat positive, as it addresses privacy concerns for institutions. However, it still needs to be tested thoroughly. If successful, XRP could become a preferred platform for confidential financial settlements in regulated markets.

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

Overview:
Ripple is expanding its partnership with Archax to tokenize hundreds of millions of dollars worth of real-world assets like bonds and commodities on the XRPL (XRPL Blog).

What this means:
This is a strong positive for XRP’s usefulness, as more tokenized assets could increase demand for XRP as a bridge currency. Still, there are risks from competition with other blockchains like Ethereum and regulatory challenges around asset tokenization.

4. XRPL Apex 2025 in Asia

Overview:
The XRPL Apex 2025 conference will take place in Asia (location to be announced), focusing on growing institutional and developer use of XRPL in the Asia-Pacific region (XRPL Blog).

What this means:
This event is positive for ecosystem growth, as past conferences have led to important partnerships, especially in Japan and South Korea. However, the real impact will depend on what happens after the event.

Conclusion

XRP’s roadmap is centered on building infrastructure for institutions, with new lending features, privacy tools, and real-world asset tokenization set to boost its role in global finance. While these technical upgrades and partnerships show strong progress, success will depend on network consensus and clear regulatory guidelines. The big question remains: will Asia’s growing crypto market adopt XRPL as its go-to settlement platform?

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What updates are there in the XRP code base?

The latest updates to the XRP Ledger focus on improving security, scalability, and features designed for large institutions.

1. Stability Patch v2.5.1 (September 9, 2025) – An urgent fix for critical issues found in earlier versions.
2. XLS-86 Firewall Proposal (September 13, 2025) – An optional security feature to help prevent wallet theft scams.
3. Batch & Escrow Upgrade v2.5.0 (June 25, 2025) – New tools for handling mass payments and managing tokens, aimed at businesses.

Deep Dive

1. Stability Patch v2.5.1 (September 9, 2025)

Overview: This update fixes important bugs found in the previous version (v2.5.0) and removes support for v2.6.0. Operators running XRP Ledger nodes need to update or roll back their software to avoid problems.

The patch addresses issues with transaction validation and memory leaks reported by network validators. It also improves error handling for developers working with the network.

What this means: While this update doesn’t directly affect XRP’s price, it’s crucial for keeping the network stable and reliable. Operators who delay updating risk network instability or temporary outages. (Source)

2. XLS-86 Firewall Proposal (September 13, 2025)

Overview: This proposal introduces a customizable security layer that lets users set rules like daily withdrawal limits or trusted recipient lists.

Created by validator ‘Vet,’ the firewall helps block unauthorized transfers even if someone’s private keys are stolen. For example, it can delay large withdrawals by 24 hours, giving users time to react and recover stolen funds.

What this means: This is a positive development for XRP because it lowers the risk of theft for everyday users and businesses. This added security could attract more cautious institutional investors. (Source)

3. Batch & Escrow Upgrade v2.5.0 (June 25, 2025)

Overview: This upgrade adds “atomic batch transactions,” which allow multiple actions to be grouped and processed together. It also expands escrow support to stablecoins like RLUSD.

Businesses can now handle things like payroll or token vesting schedules in a single transaction, cutting transaction fees by about 30%. Escrow features now work with assets other than XRP, enabling automated compliance for decentralized finance (DeFi) applications.

What this means: This is good news for XRP because it makes the XRP Ledger a strong alternative to platforms like Ethereum and Solana for regulated institutions. After this upgrade, RLUSD’s market cap on the XRP Ledger grew by 304%. (Source)

Conclusion

The XRP Ledger is evolving to meet the needs of enterprise users by enhancing security (XLS-86), scalability (batch transactions), and compliance tools (permissioned decentralized exchanges). With node operators focusing on stability, the big question is how quickly institutions will start using these improvements in real-world applications.