- Technical Analysis: Price breaks through the middle Bollinger Band, MACD indicator shows weakening downward momentum
- Capital Flow: Whale addresses show synchronized increase in activity and derivatives positions
- Regulatory Aspect: Crypto companies compete for bank trust licenses, creating institutional benefits
XRP Price Prediction
XRP Technical Analysis: Short-term Bullish Signals Emerge
According to current technical indicators, XRP price (2.9161 USDT) has broken through the 20-day moving average (2.3981) and is positioned above the middle Bollinger Band, indicating short-term strength. Although the MACD histogram is negative, the fast and slow lines are converging, with selling pressure gradually weakening. BTCC financial analyst William noted: 'If it holds above $2.94, it will open up space towards the $3 psychological level.'
Whale Movements and Regulatory Positive Factors Boost XRP Market Sentiment
Recently, XRP on-chain whale transaction volume has surged, coupled with the heated competition for US bank trust licenses, market speculation has clearly heated up. BTCC financial analyst William stated: 'Compliance progress in institutional application scenarios may become a key catalyst for breaking through the $3 historical resistance.' The current increase in open interest suggests bulls are gathering strength.
Key Factors Affecting XRP Price
Whale Movements and Speculation Drive XRP Market Activity
XRP market dynamics are heating up due to whale activities and speculative trading. XRP worth $500 million has been transferred between unknown wallets, indicating strategic positioning by large holders. Meanwhile, open interest has surged 11% to $2.92 billion, reflecting market expectations of increased volatility.
Coinbase has become the dominant trading platform, with XRP 24-hour trading volume reaching $413 million, second only to Bitcoin. This exchange-driven activity creates a sharp contrast with over-the-counter hidden accumulation, creating a divergence between retail momentum and whale behavior.
The derivatives market is equally noteworthy. Binance traders show strong bullish confidence, with 64% long positions, and $8.13 million in short liquidations indicating shorts were caught off guard by a sudden upward move.
Whale Activity and Open Interest Surge Suggest Potential XRP Rebound
XRP market dynamics are releasing bullish signals, with synchronized changes in whale fund movements and open interest data. XRP worth over $500 million has been transferred between unknown wallets, while Coinbase trading volume has surged to $413 million. The divergence between public exchange activity and chain-based accumulation suggests large holders are strategically positioning.
Open interest growth of 11% to $2.92 billion reflects rising leverage trading heat. Binance exchange's 64% long preference indicates retail traders are following this whale-led market structure. This silent accumulation pattern typically precedes significant price movements, though short-term direction remains uncertain amid these conflicting signals.
Analysts Suggest: XRP May Set New Historical High if Breaking $3 Resistance
XRP currently shows bullish momentum, approaching the critical $3 resistance level. Analysts predict that successfully breaking this level could create a new historical high. Crypto analyst Martinez noted that if the weekly close remains above $3, XRP could move towards $4.8, citing historical price patterns and strong technical indicators.
The cryptocurrency recently tested the $3 level before retreating to $2.87 amid overall market cooling. Martinez's chart analysis suggests XRP is replicating consolidation patterns from previous cycles, potentially signaling another explosive move. Key resistance levels are at $3.4 (January 2025 breakthrough point) and the 2018 peak of $3.8.
Technical indicators strengthen this optimistic outlook. The Directional Movement Index (DMI) shows trend strengthening, with Average Directional Index (ADX) at 25. The Positive Directional Indicator (+DI) has risen to 23.6, reflecting increased buying pressure, while the Negative Directional Indicator (-DI) has dropped to 15.47.
Crypto Enterprises Compete for US Bank Trust Licenses as Regulatory Winds Shift
Major cryptocurrency companies including Ripple, Circle, and BitGo are actively seeking US national trust bank licenses, seizing the opportunity as Trump administration regulatory stance changes. According to the Financial Times, this strategic move indicates increasing institutional investor confidence in crypto integration into traditional financial systems.
Payment innovation companies like Kraken are expanding with debit card services, while fintech giants Robinhood and Revolut are expanding banking services. Market participants expect stablecoin legislation to accelerate—such as the proposed Genius Act—to bridge digital assets with traditional finance.
Traditional banks are reportedly preparing to launch their own stablecoin products, marking a watershed moment for institutional-level crypto applications. This regulatory thawing could reshape the financial landscape, granting mainstream legitimacy to digital assets.
XRP Price Prediction: Outlook for 2025, 2030, 2035, 2040
Based on the current technical pattern and fundamental development, BTCC financial analyst William offers a phased prediction:
| Year | Base Scenario | Optimistic Scenario | Key Driving Factors |
|---|---|---|---|
| 2025 | $3.2-3.8 | $4.5 | Bollinger Band expansion cycle, trust license landing |
| 2030 | $8-12 | $15 | Cross-border payment adoption rate, Ripple IPO progress |
| 2035 | $18-25 | $30 | CBDC interoperability protocol market share |
| 2040 | $40-60 | $75 | Token asset settlement network effect |
It should be noted that regulatory uncertainty and competition risks from alternative Layer1 solutions may affect long-term valuation.
