XRP Price Regains Traction — Is a Powerful Upside Break Brewing?

XRP price started a fresh increase above the $2.30 zone. The price is now showing positive signs and might climb above the $2.32 resistance.

  • XRP price started a fresh increase above the $2.280 zone.
  • The price is now trading above $2.280 and the 100-hourly Simple Moving Average.
  • There is a key bullish trend line forming with support at $2.280 on the hourly chart of the XRP/USD pair (data source from Kraken).
  • The pair could start another increase if it stays above the $2.250 zone.
XRP Price Eyes Fresh Increase XRP price started a fresh increase after it settled above the $2.2620 level, beating Bitcoin and Ethereum. The price was able to climb above the $2.280 resistance level. The recent move was positive and the bulls pushed the price above the 50% Fib retracement level of the downward move from the $2.353 swing high to the $2.251 low, and tested the $2.32 zone. Besides, there is also a key bullish trend line forming with support at $2.280 on the hourly chart of the XRP/USD pair. The price is now trading above $2.280 and the 100-hourly Simple Moving Average. On the upside, the price might face resistance near the $2.320 level. The first major resistance is near the $2.330 level or the 76.4% Fib retracement level of the downward move from the $2.353 swing high to the $2.251 low. A clear move above the $2.330 resistance might send the price toward the $2.350 resistance. Any more gains might send the price toward the $2.40 resistance or even $2.420 in the near term. The next major hurdle for the bulls might be near the $2.50 zone. Another Decline? If XRP fails to clear the $2.320 resistance zone, it could start another decline. Initial support on the downside is near the $2.280 level and the trend line zone. The next major support is near the $2.250 level. If there is a downside break and a close below the $2.250 level, the price might continue to decline toward the $2.220 support. The next major support sits near the $2.20 zone. Technical Indicators Hourly MACD – The MACD for XRP/USD is now gaining pace in the bullish zone. Hourly RSI (Relative Strength Index) – The RSI for XRP/USD is now above the 50 level. Major Support Levels – $2.280 and $2.250. Major Resistance Levels – $2.330 and $2.350.

2% Of All XRP Is In His Hands — But Who Is He?

A long‑time figure in the world of digital money and a noted XRP advocate stepped out of the shadows this week, sparking fresh chatter among investors and developers alike. Arthur Britto, who co‑founded Ripple Labs in 2012, broke a 14‑year silence with a single emoji on X. That tiny message carried big weight. His name rarely surfaces in headlines, but his work helped build XRP into one of the top assets by market value. Impact Of A Secretive Founder According to reports, Britto kept a low profile while helping craft the XRP Ledger’s code. He holds a 2% stake in XRP under a deal made when the company launched. That slice of holdings could be worth billions if the token’s price ever climbed high enough. Some in the market worry that if Britto ever sold even part of that stake, it might send prices tumbling. HE CO-CREATED THE XRP LEDGER. HE HOLDS 2% OF ALL XRP. HE’S NEVER BEEN SEEN IN PUBLIC. Arthur Britto might be the most important figure in crypto you’ve never heard of. Let’s dive into the mystery. pic.twitter.com/xKyiYXIpGY — All Things XRP (@XRP_investing) July 5, 2025 The Satoshi Connection Based on reports, comparisons to Bitcoin’s creator have swirled around Britto for years. Some fans point to the fact that Satoshi Nakamoto’s last known post came just as the XRP Ledger went live. That timing alone has led people to whisper that Britto could be Satoshi under a different name. No proof supports that idea. Experts say it’s more likely just a coincidence. Britto’s lone emoji on X was verified by Ripple CTO David Schwartz. That confirmation set off a wave of theories about what might come next. Some speculated a new protocol update. Others thought it hinted at a partnership or a fresh product launch. So far, nothing public has followed the post. Behind The Scenes At PolySign While he stayed away from interviews, Britto never stopped working. He co‑founded PolySign, a crypto custody firm that now operates under Ripple Custody. That arm provides secure storage for institutions holding digital coins. Based on filings, PolySign handled an estimated $1.5 billion in assets last year. Its integration into Ripple’s services shows Britto’s influence lives on, even if his name doesn’t show up on conference schedules. Future Moves And Market Watch With XRP trading near its recent range, some investors say they’re watching for any hint of action from Britto’s wallet. Price targets in the community sometimes stretch to $10,000 per XRP. Those figures come without verification, and many traders treat them as wishful thinking. Still, a lot can happen if even a fraction of Britto’s holdings moves. Featured image from Meta, chart from TradingView

Ripple SEC News: XRP Nears Banking License And Faces Critical Support Test

The evolution of Web3 banking is starting. XRP is applying to become a bank in the latest Ripple SEC news. So should I sell my house to buy more XRP? Short answer: NO, but the price is in a crucial position. After briefly spiking to $2.32, XRP has slipped toward the $2.25 range.  Price action is tightening along the lower Bollinger Band, pointing to volatility compression. That’s typically a precursor to a major move, and right now, the bias is leaning south. If we won’t moon today, when will we moon then? The world’s new bank won’t look like a building.
It will look like code.
It will sound like silence.
And it will settle in XRP. pic.twitter.com/cK4Mu9yU3p — ᴍᴇʀʟɪɴ ᴛʜᴇ ᴡɪᴢᴀʀᴅ (@MerlinXRP) July 3, 2025 DISCOVER: 20+ Next Crypto to Explode in 2025 Death Cross and MACD Add Bearish Pressure Ripple Labs is making a play for Wall Street legitimacy. A July 2 filing with the U.S. Office of the Comptroller of the Currency seeks a national bank charter that would let Ripple operate as a federally regulated trust bank. If approved, it puts XRP in the running for institutional-grade use, from cross-border payments to potential stablecoin infrastructure. 99Bitcoins analysts see the move as a strategic end-run around slow-moving crypto regulation, potentially clearing a path for Ripple to secure Fed master account access and an eventual XRP spot ETF. In short: bros, it’s only just beginning for us. Long-term, it could mean a solid tradfi-defi integration for XRP with more liquidity management and use cases for the token. (XRPUSDT) Conversely, technical indicators aren’t doing XRP bulls any favors. A “death cross” recently formed on the daily chart, with the 20-day moving average crossing below the 200-day. That’s historically a bearish signal, often followed by extended downside. At the same time, the MACD has flipped negative, crossing beneath the signal line. DISCOVER: Best Meme Coin ICOs to Invest in 2025 Head and Shoulders Pattern Raises Breakdown Risk Adding to the short-term bear case, XRP is flashing a head-and-shoulders pattern on the daily chart. If $2.23 gives out, the next stop could be $2.20 or lower, with $2.15 waiting in the wings. Volume has also dried up since the last rally. Lower timeframes show more of the same. XRP’s been boxed between $2.25 and $2.35 for hours now. A brief bounce off $2.26 got smothered at resistance, suggesting the bulls may be losing steam. XRP pump did NOT die she’s taking a breather, there’s a difference — danny (@defiphvntom) July 7, 2025   Despite recent weakness, the broader trend still favors the bulls. The daily chart shows a series of higher lows since XRP bottomed at $1.908, and the 10 to 100-day EMAs continue to flash buy signals. However, the 200-day SMA now sits above current price at $2.36, acting as a lid on further upside. XRP on the Edge: $2.25 or Bust XRP keeps climbing out of its $1.90 bottom, marking higher lows and clinging to buy signals from short and mid-term EMAs. Yet the 200-day simple moving average, now at $2.36, isn’t budging. If support at $2.25 breaks with conviction, the structure risks unwinding toward $2.20 or lower. On the other hand, a bounce with volume could reignite momentum and set up another test of the $2.35–$2.40 range. Traders should watch $2.25 like a hawk because it’s the fulcrum for what happens next. EXPLORE: Tether CEO Paolo Ardoino Hopes For Net Positive From US Elections, Says Bitcoin Strategic Reserve Is A Great Idea: 99Bitcoins Exclusive Join The 99Bitcoins News Discord Here For The Latest Market Updates Key Takeaways

  • TXRP is applying to become a bank in the latest Ripple SEC news.
  • Despite recent weakness, the broader trend still favors the bulls. The daily chart shows a series of higher lows since XRP bottomed
The post Ripple SEC News: XRP Nears Banking License And Faces Critical Support Test appeared first on 99Bitcoins.

XRP Attorney Says Linqto Clients May Earn More Than Principal as Ripple Valuation Soars

  • XRP lawyer Deaton revealed direct conversations with Linqto’s leadership and stakeholders, uncovering mixed reactions, some alleging fraud by founders Bill and Vicki Sarris.
  • Deaton assured that customer investments in pre-IPO firms like Ripple and Circle are intact, with Ripple shares now valued around $800 million and Circle investments reportedly yielding a 6x return.
Pro-XRP lawyer John Deaton has stepped in to soothe the increasing panic among Linqto investors. This comes after updates regarding the private equity platform possibly going into bankruptcy as federal agencies investigated it. XRP Lawyer Sheds Light On Linqto Controversy The case was handled by Deaton after the Wall Street Journal raised an issue that the U.S. Department of Justice (DoJ) is investigating Linqto on possible regulatory compliance. Earlier, he indicated the possibility of the SEC and another federal agency investigation on the company, claiming that it had violated securities law. Now, there are speculations that the company might be facing insolvency, Deaton, however, made it clear that the game is not over yet. “No one can predict how this will unfold,” he said. For better clarity, Deaton disclosed that he has had direct interactions with the founder of Linqto, the top management, the board of directors, and social media influencers related to the platform. These revelations saw mixed feedback. On one hand, some previous employees and influencers didn’t admit to having been aware of the malpractice. Meanwhile, some revealed that insiders already knew about the fishy practices in play. They even cited the founders of Linqto, Bill and Vicki Sarris, as being responsible and accused them of fraud. There has been a series of conflicting accounts, where part of the stakeholders indicated that the legal problems are exaggerated. Nonetheless, Deaton stated that there are sources that do not think the misconduct are serious ones. Further, the pro-XRP lawyer noted that Linqto customers and not creditors, would first get claim rights as the company would not have outstandings. That counts in more than 11,000 persons who invested in Ripple as a SPV (Special Purpose Vehicle) of Linqto. Deaton assured that base assets of customers are safe. He reported that investments in such pre-IPO companies as Ripple and Kraken are yet to be lost. According to Ripple CEO Brad Garlinghouse, Linqto indeed bought 4.7 million Ripple shares acquired via the secondary transactions. The Ripple Effect In Spotlight With Ripple’s share value seeing notable appreciation, the valuation of customer-held units has significantly increased. Garlinghouse highlighted the company’s recent buyback offer priced at $175 per share. Based on this, Deaton estimated Linqto’s Ripple holdings to be worth around $800 million, as reported by CNF.  Deaton also cited other gains, including a 6x increase in the value of Circle shares since initial customer investment. “An investment of $30,000 in Circle’s SPV units is now worth around $150,000,” he said. Thus, Deaton concluded, “There’s no valid reason people won’t get MORE than their initial investment.” Though there is the risk of going into bankruptcy, Deaton hinted that the alternative might include a buyout or a restructuring. If the bankruptcy is in effect, it could result in a reorganization plan within a year if the interested parties reach agreement. Otherwise, the whole process may take more than 2 years and the legal expenses may exceed $150 million.

Ripple to be the first Blockchain-Native Bank Could Mean different for XRP and XRPL- Analysts

  • Ripple moves to become a full-service bank, cutting out intermediaries and eyeing direct Fed access.
  • If granted the charter, XRP may shift from speculative asset to core infrastructure in banking.
Ripple is moving closer to a major shift in status by seeking a national bank charter from the U.S. Office of the Comptroller of the Currency. Its intention to operate with full banking privileges could set the company apart from others in the crypto sector. The development is seen by some as a potential boost for XRP and its role in traditional finance. Alongside the charter filing, Ripple’s subsidiary, Standard Custody, has applied for a Federal Reserve master account. If approved, this account would allow Ripple to hold RLUSD reserves directly with the central bank. Market analysts view this as a major development that cuts out third-party risks and opens the door to increased trust from institutional clients. According to “XRP Investing,” a known market commentator, “This isn’t just big—it could rewrite XRP’s destiny.” He also mentioned that the issuance of the national bank charter will allow Ripple to rival market leaders such as JPMorgan in terms of regulatory legitimacy. RLUSD Could Disrupt Stablecoin Market With Federal Support RLUSD, Ripple’s stablecoin, is currently backed by U.S. Treasuries and aims to be fully regulated under both the OCC and New York Department of Financial Services. If those efforts are approved, it could also become eligible for FDIC insurance, which would set it apart from most other stablecoins currently in circulation. RLUSD has a market cap of roughly $470 million. That puts it well below USDC, which sits at $62 billion, and USDT, which leads with $158 billion. But the analyst suggested that clearer regulation and direct Fed-level support could narrow this gap quickly. He also pointed out that unlike USDT and USDC, RLUSD would benefit from direct reserve storage at the Fed. This eliminates counterparty risk, which has often been a concern in the stablecoin sector. Financial institutions looking for regulated options would likely consider RLUSD a safer alternative. Ripple’s standing would no longer be limited to fintech. If approved, it could become the first blockchain-based company to operate like a traditional bank, managing stablecoins, custody, and settlement through the XRP Ledger. This would not only reinforce XRP’s role in payments but also reshape how financial services are delivered. XRP Demand Could Rise Sharply If Ripple Wins Approval The market has responded positively. After the banking announcement, XRP saw a price rise of 3–5%. The analyst believes this is just the beginning. If the charter is approved and the master account is granted, demand for XRP may rise sharply as institutions start using it in practical use cases. Ripple’s potential status as a full-service bank could also eliminate its reliance on older financial systems. Non-reliance on correspondent banking networks would enable Ripple to compete head-to-head with legacy institutions and process payments faster and cheaper through the XRP Ledger. The analyst noted, “If Ripple becomes a bank, they redefine what a ‘crypto company’ can be.” In his view, the firm is executing a strategic plan that could bring XRP from the margins into the core of finance. He concluded, “This isn’t hype—it’s regulatory chess. And XRP? It’s the piece that wins the game.”

XRP Price Prediction: XRP USD Price might Crash...Unless THIS Happens

What Happened to XRP Price?$XRP has shown resilience around the $2.10 mark, bouncing from this level five times in the last month. The latest rally pushed XRP toward $2.25, but the coin has stalled below $2.30 resistance.XRP/USD 4-hours chart - TradingViewThe RSI indicator is flat, showing neutral momentum, while horizontal support and resistance levels are clearly defined. With price currently at $2.215, XRP remains in a tight range, awaiting its next catalyst.XRP Coin Analysis: Will XRP Price Sustain for the Next Week?The 4-hour chart highlights a strong demand zone near $2.10. The price has bounced from this level repeatedly, reinforcing its importance. However, every test of the $2.30 ceiling has been rejected.As long as XRP remains between $2.10 and $2.30, the bias is neutral. A breakout above $2.30 could send XRP toward $2.50 quickly, while a breakdown below $2.10 would bring $2.00 and possibly lower into view.The RSI (currently 48.43) is leaning slightly bearish but not in oversold territory, suggesting the market is waiting for a trigger.XRP Price Prediction: Should You Buy XRP?XRP remains in a consolidation phase, but this coil could explode in either direction. Short-term traders may wait for a break of $2.30 to confirm bullish continuation or a drop below $2.10 to signal weakness.XRP/USD 4-hours chart - TradingViewMedium-term investors may consider buying dips toward $2.10, as historical bounces from this level have been reliable. A break above $2.30 would likely open the door to $2.50 and beyond.How to Buy XRP on OKXReady to invest in $Ripple before the next big move? Use this link to benefit from receiving 10€ in bitcoin.
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XRP price rises 15% to $2.24, but whale sell-off raises downside risk

  • Whale addresses offload 600 million XRP in one day.
  • Long-term holder activity hits 7-month high.
  • Resistance at $2.27 remains key barrier for next move.
XRP has climbed from $1.94 to $2.24 in recent sessions, a 15% gain that marks a short-term recovery for the Ripple-associated token. However, despite the rise, concerns are building over its ability to hold or build on this momentum. Although XRP is currently trading at $2.24, its price is down by 2.15% in the last 24 hours. Source: CoinMarketCap Analysts tracking blockchain data say large holders have begun offloading their positions, putting pressure on the altcoin just as it approaches a major resistance level at $2.27. Blockchain data shows that wallets holding between 100 million and 1 billion XRP offloaded over 600 million tokens within 24 hours this week, reducing their collective balance to 7.7 billion XRP. The value of the tokens sold stands at more than $1.2 billion. This selling activity signals rising uncertainty among large investors—also referred to as whales—about XRP’s ability to continue climbing in the current environment. Long-term holders turn bearish One of the key indicators of market conviction is the “age consumed” metric, which measures the activity of long-held tokens. This week, that metric spiked to a seven-month high, indicating a rise in selling among long-term holders (LTHs). These LTHs are often viewed as stabilising forces in the market, and a decision by them to reduce exposure could suggest waning confidence in XRP’s long-term trajectory. The scale of this shift is noteworthy because LTHs typically refrain from selling during volatile periods. Their decision to do so now introduces added downside risk and puts further pressure on price stability. As more long-held XRP enters circulation, selling pressure could outpace buyer demand, leading to a potential retracement. Price faces strong resistance at $2.27 At present, XRP is trading just below a resistance level that has remained intact for over a month. The $2.27 threshold has historically been a key barrier for the token. Should XRP fail to break through this level, the next likely move would be a return to support around $2.13. If sellers continue to dominate—especially those unloading large holdings—the momentum required to breach $2.27 may not materialise. Without a decisive push above this level, XRP risks losing its recent gains and returning to a more bearish trajectory. However, a breakout above $2.27 could open the door to further gains, particularly if it flips this level into support. If that scenario plays out, XRP’s next resistance would come in at $2.32, followed by a possible move towards $2.45. But with market sentiment currently mixed, the odds of this bullish move remain uncertain. Market outlook depends on whale sentiment Whether XRP continues its upward trend or reverses course will depend heavily on the behaviour of its largest investors. If whales continue to exit their positions, retail demand may not be sufficient to absorb the supply, limiting the potential for further price growth. The altcoin’s immediate future hinges on how it interacts with the $2.27 resistance zone. A failure here, combined with persistent sell pressure from long-term holders, could see XRP fall back to test support levels. On the other hand, a sustained breakout, though less likely in the short term, would provide bulls with a chance to regain control. The post XRP price rises 15% to $2.24, but whale sell-off raises downside risk appeared first on CoinJournal.

Ripple To Replace SWIFT? XRP Analyst Breaks Down Recent Developments

The long-standing and controversial question of whether Ripple payments could one day replace the Society for Worldwide Interbank Financial Telecommunication (SWIFT) is gaining renewed attention in the crypto market. A prominent XRP analyst has highlighted a significant shift in the Ripple payment infrastructure that could represent a potential turning point in the crypto company’s bid to challenge SWIFT’s decades-long dominance in global cross-border settlements.  XRP Analyst Unveils Ripple’s Latest Moves In his latest X social media thread, crypto market analyst Pumpius explains how Ripple could eventually supersede SWIFT as a cross-border payment infrastructure and settlement layer for banks. The analyst highlights recent developments that continue to fuel Ripple’s growth and position it as a prime candidate for transforming global financial messaging.  According to Pumpius’s report, Ripple has taken a significant step forward in its bid to transform the global financial system, as recent developments show deepening infrastructure integration. The XRP analyst disclosed that Ripple payments have officially integrated with EUR and GBP International Bank Account Numbers (IBANs), marking a critical evolution in its offering. This suggests that Ripple is no longer just processing payments, but enabling institutional-grade banking functionality within its ecosystem. Through partnerships with OpenPayd, Ripple is granting financial institutions access to programmable dollar liquidity. OpenPayd clients can now mint and burn the Ripple on-chain stablecoin, RLUSD, in real-time. The XRP analyst has called this new development a faster and potentially more efficient programmable USD liquidity on demand. He highlights that this capability also unlocks automated FX, compliance solutions, and seamless cross-border fund movement.  Pumpius describes Ripple’s latest developments as a game-changing moment for blockchain-based finance. Rather than acting as a parallel system, the crypto company is now positioning itself as a new banking layer, built entirely outside the legacy infrastructure, but fully equipped to serve its institutional clientele.   How Ripple Could Replace SWIFT’s Legacy Pumpius’s X report suggests that Ripple’s evolution isn’t limited to just speed or low-cost payments. The core technology behind XRP and Ripple’s APIs aims to replace key functions of the SWIFT network, which currently facilitates interbank financial messaging and settlements globally.  The analyst notes that Ripple’s model delivers what SWIFT does not, including real-time foreign exchange, end-to-end automated banking APIs, instant stablecoin-to-fiat conversion, and settlements via XRP. What makes the potential transition from SWIFT to Ripple even more tangible is the live infrastructure now running behind the crypto payment company’s system.  According to Pumpius, liquidity corridors are no longer theoretical for Ripple, but operational. The company’s stablecoin rails are also highly active, while XRP has evolved from its status as a speculative asset into being used for final settlements in real financial flows. Overall, the integration of IBANs and the launch of RLUSD make Ripple a direct competitor to SWIFT. And as the analyst notes, these developments are more than incremental signs of growth—they mark a potential turning point in Ripple’s goal to replace SWIFT.

XRP Could Hit $9 In Euphoric Fifth Wave, Elliott Wave Analyst Predicts

XRP is inching toward what could be its most consequential technical inflection in more than a year, according to the June 3 video analysis from the YouTube channel More Crypto Online (MCO). Employing classical Elliott-wave mapping, the analyst argues that XRP has been building a five-wave advance ever since the market reset in July 2023 and is now attempting to ignite the terminal “fifth” wave—a rally that, if it unfolds under euphoric conditions, could extend as far as $9. How The Roadmap Is Built For XRP “We might be in a process of upside reversal… It’s like a now-or-never moment,” the commentator told viewers, stressing that breakouts are usually obvious only after large portions of the move are already spent. In Elliott wave terminology the market is said to be preparing for a smaller-degree third wave inside the larger fifth, “normally the most aggressive one,” he noted, pointing to the explosive impulse that followed a similar set-up last year. On MCO’s primary chart the July 2023 trough serves as the wave-four low of an even larger advance. From there, a series of lower-degree one-two formations appears to have carried XRP into wave three and, more recently, into a sideways, three-legged correction that completed in April. “We have a wave 1, a wave 2, a wave 3, the wave 4, and maybe this is now the fifth wave that’s unfolding,” he explained, adding that wave four’s depth and duration were textbook for a counter-trend pause. To translate wave counts into price objectives the analyst measured waves 1 through 3 and projected the classic 61.8 percent Fibonacci extension from the bottom of wave 4. That calculation yields $6.20 as a “straightforward” fifth-wave target. The same measurement’s 78.6 percent extension sits at roughly $9.00, a level the commentator said “sometimes materialises in a very euphoric fifth wave.” Before any discussion of $5-plus prices becomes actionable, XRP must clear a cluster of near-term hurdles. The analyst identifies the $2.30–$2.40 range as the first structural ceiling; it coincides with a descending trend-line that has capped every rally since March and with the 100-day exponential moving average. The shorter-time-frame wave count shows why this band matters. From the 7 April swing low the market printed a clear five-wave micro-structure, implying that a fresh up-trend may already be underway. Yet, as the analyst cautioned, “We still have to clear all these previous swing highs… We’ve got resistance in this area around $2.30, structurally $2.40.” A decisive break above that shelf would validate a sub-wave (iii) target around $3.30–$3.50, the January swing-high zone the video calls “the next level.” Bearish Scenario For XRP Every Elliott-wave blueprint comes with an invalidation level. In the MCO model the entire fifth-wave scenario survives only if price holds above the April nadir—the start of wave 1 in the current one-two set-up. At the micro level the bulls must also defend what the video labels “the $1.99 support area.” A deeper retracement to $1.60 (the “red dotted line”) could be tolerated inside an extended wave 2, but any sustained trade beneath that mark would probably mean wave 4 is still developing, pushing back the timetable for a breakout. “As long as we’re holding above the April low, this pathway higher remains valid and plausible,” the analyst reiterated. Conversely, a failure there would force a re-evaluation of the entire count. Although the headline $9 print grabs attention, the analyst is clear that such an extension presupposes an extreme sentiment shift. Historically XRP’s rallies have often stalled near the 61.8 percent projection, and the channel’s host reminds viewers that “market sentiment” ultimately decides whether the 78.6 percent extension is reachable. For now the focus is squarely on securing an impulsive close above $2.40 and then on challenging the mid-$3 region. Only once that campaign succeeds will the discussion move seriously toward $5.65, $6.20 and, in a parabolic climax, the high-single-digit zone. At press time, XRP traded at $2.23.

XRP’s Time Is Now, Says Pundit—Don’t Snooze On The ‘Biggest Transfer Of Wealth’

Proponents of XRP are stepping up their pitch this week, calling the token “one of the greatest wealth transfers in history.” They argue it’s more than just another crypto. You’ll hear claims that XRP is already reshaping global finance and leaving old systems in the dust. According to influencer Coach JV, Ripple is building a whole new rails for money. He says XRP isn’t here to compete with banks. It’s here to replace them. He points out that transactions on the XRP Ledger settle in 3–5 seconds and cost fractions of a penny. That beats SWIFT transfers, which can take days and cost up to $50 per payment. XRP still trades around $2,25 but that figure, he argues, won’t stay low for long if the token keeps winning regulatory approvals and new partners. XRP is the most disruptive financial technology of our lifetime. Ripple isn’t just competing with the banking system, it’s replacing it. The old system is dead. The new financial rails are being laid right before your eyes. Stay asleep and you’ll miss the greatest wealth transfer… — Coach, JV (@Coachjv_) July 2, 2025 Ripple’s Technology Versus Legacy Rails Based on reports, RippleNet now counts more than 300 financial institutions in its network. Yet daily on‑chain volumes for XRP hover around $1 billion—small next to global cross‑border flows of roughly $150 billion per day. Banks are testing the tech, but most haven’t shifted large sums yet. That gap between tests and real‑world use is one reason XRP’s price has stayed below its all‑time high for seven years. Push For Regulatory Clarity XRP backers are watching the US carefully. They see growing buzz around spot XRP ETFs. Analysts like Eric Balchunas have given those filings up to 95% odds of approval by year‑end. If an ETF hits a US exchange, they say, more money will pour in. Ripple has also been chasing money‑transmitter licenses in Europe and Asia. Every new license, they believe, brings Ripple a step closer to mainstream use. Community Calls For Patience Coach JV keeps telling followers not to panic over a stagnant price. He uses phrases like “greatest wealth transfer in history” to drive home his point. In an earlier tweet, he promised “unimaginable wealth” for anyone who holds on. Other voices, such as commentator Edoardo Farina, point out that only about 1 to 2 million people hold XRP today. That number, they say, leaves room for 100 million or more newcomers—and more buyers often means higher prices. Analysts Caution Over Hype Even so, some experts urge caution. They note that bold forecasts don’t guarantee buy‑in from big banks or regulators. An ETF approval won’t force funds to rush in overnight. And test programs don’t always turn into full rollouts. For now, XRP remains a high‑risk play. Investors should track on‑chain metrics and regulatory milestones before getting swept up in the hype. Featured image from Meta, chart from TradingView