XRP Eyes $2.65 as Banking License Application Fuels Bullish Market Expectations
The native token of cross-border payment giant Ripple XRP is becoming the focus of the cryptocurrency market in 2025. As a digital asset designed for efficient global capital flow, XRP runs on the high-performance blockchain XRP Ledger (XRPL), known for its lightning-fast transaction speed (3-5 seconds confirmation) and extremely low cost (approximately $0.0002 per transaction). Unlike mining-based cryptocurrencies like Bitcoin, the total supply of XRP, which is 100 billion, was minted in one go at the network’s inception in 2012, eliminating inflation risks. Its core value lies in acting as a “bridge currency,” seamlessly connecting different fiat currencies in international payments, significantly enhancing the efficiency of cross-border remittances and reducing liquidity costs for financial institutions. Currently, XRP has been adopted by over 200 banks and payment institutions worldwide, becoming a key hub connecting traditional finance and blockchain innovation.
As of July 7, 2025, the trading price of XRP on the Gate platform has stabilized around $2.279, with a market capitalization maintaining at $127.18 billion, ranking fourth among global cryptocurrencies. Recently, market momentum has significantly strengthened: after breaking through the 100-day Exponential Moving Average (EMA) resistance level of $2.22, XRP has continuously attracted buying interest, with a 24-hour trading volume surging to $1.49 billion, and open contracts skyrocketing by 93% to reach $4.47 billion. This round of increase is closely related to Ripple’s submission of a national bank charter application to the Office of the Comptroller of the Currency (OCC). If approved, Ripple will gain dual regulatory status from federal and state (New York Department of Financial Services) authorities, establishing stronger trust for its compliant stablecoin RLUSD and cross-border payment business. Technical indicators are simultaneously releasing positive signals: MACD maintains a buy signal, and RSI has rebounded from a low of 35 to 57, indicating that bulls are gradually taking control of the trend.
Price Prediction: $2.65 Key Resistance and Long-Term Growth Blueprint
Current technical indicators show that XRP is building momentum to challenge higher resistance levels. If it successfully holds above the 50-day moving average ($2.21), it is expected to test the June high of $2.3389 in the short term, and if broken, may further target the key annual goal of $2.6553. Regarding the trend by the end of 2025, institutional predictions show divergence but are generally optimistic:
- Conservative expectation: Platforms like Changelly believe that due to regulatory uncertainties, the price may hover around $1.90 by the end of the year;
- Neutral expectation: CoinDataFlow gives a range of $2.20 - $4.91, with a potential rise of 115.68%;
- Positive expectation: Cryptomus predicts a rise to $4.56 in December based on accelerated institutional adoption.
The long-term outlook (2026 - 2030) is more promising: if Ripple effectively resolves legal disputes and deepens financial integration, the price could reach $10.72 in 2029, while the highest prediction for 2030 has been seen at $15.65 (Coinpedia model). However, some analyses also warn of the risk of periodic corrections, such as a potential drop to $0.83 in 2026 due to increased competition (Changelly).
Future Outlook: A Dual Engine of Compliance and Financial Integration
The long-term value core of XRP depends on two strategic advancements:
- Regulatory Breakthrough: The progress of national bank license applications and Federal Reserve master account qualifications will enable Ripple to directly access the Federal Reserve’s clearing system, providing stronger credit support for the RLUSD stablecoin (currently valued at $469 million). At the same time, a potential settlement with the SEC (such as a $50 million fine proposal) will eliminate the institutional sales ban and pave the way for the approval of a spot ETF.
- Ecosystem Expansion: The recent collaboration with OpenPayd integrates fiat channels like the Euro and Pound, enhancing cross-border payment coverage capabilities. The technological innovations of the XRP Ledger in CBDC (Central Bank Digital Currency) bridging and DeFi protocol compatibility are expected to position it as a core component of multi-chain financial infrastructure by 2030.
Challenges remain: If the SEC appeal overturns the “XRP is not a security” ruling, it may lead to exchanges delisting the token; competition from CBDCs and Solana The rise of high-performance chains may also siphon off market share. However, Ripple’s deep integration into the traditional financial system (serving over 300 institutions) has built a wide moat for it. If the dual engines of compliance and technology continue to exert force, XRP will not only break through the $2.65 barrier but may also reshape the underlying rules of the global value transfer network.
