XRP Price Today: XRP Hits New All-Time High at $3.65 as Bullish Momentum Builds Toward $10

XRP has officially broken its previous record, reaching new heights on the back of institutional inflows, regulatory clarity, and a growing push toward mass adoption.

With bullish sentiment building, analysts are eyeing $10 as the next key milestone.

XRP Price Today Surges Past Previous Peak

XRP price today reached a significant milestone, hitting a new all-time high of $3.65, surpassing its earlier 2018 peak of $3.40. The surge, which represents over a 15% gain in just 24 hours, has firmly positioned XRP among the top-performing cryptocurrencies of 2025. According to CoinDesk, this is XRP’s highest level in over six years, making it one of the strongest assets in the market.

XRP soared to a new record high of $3.65 today, finally surpassing its long-standing 2018 peak of $3.40. Source: Maddox_Metrics on TradingView

The breakout followed weeks of accumulation and came amid a broader crypto market rally. Bitcoin recently soared past $123,000 while Ethereum traded at $3,400, contributing to a liquidity wave that saw over $500 billion flow back into digital assets in the past two weeks.

Bullish Catalysts Behind the Breakout

A confluence of fundamental drivers has ignited XRP’s rally. The passage of the Genius Act and two other crypto-focused bills in the U.S. House of Representatives has played a key role in boosting investor confidence. These bills, now awaiting final approval from President Donald Trump, are expected to deliver long-awaited regulatory clarity for the digital asset sector.

The House has passed the GENIUS Act, a crypto bill backed by President Trump and Scott Bessent, now awaiting the President’s signature to become law. Nick Sortor via X

Further fueling the move is the resolution of the long-standing Ripple vs. SEC lawsuit, which had cast a shadow over XRP for years. With legal uncertainty largely behind, institutional players are stepping in. “Open interest in XRP derivatives topped $10 billion for the first time since 2021,” one report noted, highlighting growing institutional conviction.

Adding to the bullish setup is growing ETF speculation. Market analysts estimate an 85% chance of an XRP ETF being approved by the end of the year—an event that could further validate XRP as a mainstream financial asset.

Analysts Set Their Sights on $5 and Beyond

With the price of XRP today hovering above $3.60, attention has now shifted to higher price targets. Analysts and traders are eyeing the $3.80–$4.72 range in the short term, with some long-term projections extending to $10 by 2030, provided Ripple’s payment solutions continue gaining traction globally.

XRP has broken its 2018 high, turning $2.6–$3 into support as momentum builds toward the $10 target. Source: HexaTrades on TradingView

“Long-term forecasts suggest $4.20–$10+ by 2030 if Ripple capitalizes on payment adoption,” noted Ryan Lee, Chief Analyst at Bitget. He added that $2.50 remains a pivotal level to monitor for support in case of a pullback.

Institutional Demand and Retail FOMO Take Over

Much of XRP’s explosive rally has been driven by institutional accumulation and retail investor enthusiasm. CoinDesk reports that more than 200 million XRP were traded during three major breakout windows within a single day, reflecting high conviction buying. Funding rates across top exchanges have also flipped positive, indicating aggressive long positions in the market.

Meanwhile, XRP’s efficiency as a payment mechanism is gaining global attention. According to a report from OneSafe, over 80% of Japanese banks are expected to adopt Ripple’s payment solutions by 2025, with Ripple’s On-Demand Liquidity (ODL) service offering transaction cost reductions of up to 60%.

XRP and Crypto Payroll: A New Frontier

XRP’s rise is also impacting the crypto payroll sector, especially across fintech startups in Asia. As regulatory clarity improves and institutions embrace blockchain-powered solutions, XRP is emerging as a top choice for cross-border payroll. Its low fees and rapid settlement times make it ideal for companies with global teams, though price volatility remains a challenge.

Ripple has launched its RLUSD stablecoin in Europe, fully MiCA-compliant, backed by BNY Mellon, and ISO 20022-ready—positioning XRP to reshape global finance. Source: Crypto Chrome via X

However, the resolution of the XRP lawsuit update today has removed one of the biggest risks in using XRP for enterprise payments. With Ripple actively pursuing a U.S. National Trust Bank charter and complying with the EU’s MiCA regulations, the foundation for broader adoption is rapidly forming.

Short-Term Outlook: Caution Amid the Euphoria

Despite the bullish narrative, technical indicators suggest a possible cooling-off period in the near term. With the Relative Strength Index (RSI) nearing overbought levels and the MACD turning neutral, some analysts warn of potential consolidation.

Despite being in a strong bullish trend, XRP price could pull back near the $3 support as the RSI turns overbought. Chart Source: Fxshark88 on TradingView

That said, XRP remains above key support at $3.00, and as long as it holds this level, the upward trend is expected to continue. The XRP price prediction for 2025 remains optimistic, with $5 to $6 being floated as possible targets by Q4.

Final Thoughts: Will XRP Go Up from Here?

As the XRP crypto price prediction evolves, investor sentiment remains strongly bullish. The integration of legal clarity, institutional support, and global connectivity is propelling XRP into a new growth cycle.

XRP price pulled back to $3.49 after hitting a new all-time high at $3.65, up 11.24% in the last 24 hours at press time. Source: XRP Liquid Index (XRPLX) via Brave New Coin

While there are bound to be short-term fluctuations, the underlying foundation for XRP has rarely been stronger. Whether you’re tracking XRP price today, looking for the next XRP ETF news, or tracking the bigger Ripple SEC case, one thing is for sure—XRP is charging forward on the crypto revolution once again.