XRP Price Prediction: Can XRP Cross $2.50 Before ETF Approval Becomes Reality?

As market momentum builds and regulatory winds shift, XRP is defending key support levels and positioning itself at the center of a potential breakout.

With the XRP price hovering around $2.24 as of July 4, 2025, the conversation among analysts, traders, and institutional investors is clear: Can XRP cross the $2.50 mark before an ETF approval officially hits?

Ripple Strengthens Its Regulatory Position

One of the most noteworthy developments in recent Ripple news is the company’s formal application for a national banking license with the U.S. Office of the Comptroller of the Currency (OCC). If approved, Ripple would join a short list of crypto-native firms with federal charters—Anchorage Digital being the only other to hold such a distinction.

Ripple has applied for a U.S. national bank license, signaling a major step toward transforming crypto banking infrastructure. Source: Diana via X

This move comes as Ripple also seeks access to a Federal Reserve Master Account, allowing it to hold reserves directly with the Fed. This move could significantly boost trust in RLUSD, Ripple’s stablecoin, which is quickly nearing a $500 million market cap.

“Ripple is playing the long game,” one industry observer noted. “It’s not just about short-term gains. They’re building credibility where it counts—on Wall Street and within regulatory circles.”

This step comes at a critical juncture for the Ripple vs SEC saga, as the XRP lawsuit update suggests resolution is near. Ripple’s proactive regulatory alignment could sway the outcome in its favor.

Grayscale Adds XRP to ETF Portfolio

Institutional demand is ramping up, and Grayscale’s Digital Large Cap Fund (GDLC) just gave XRP a significant vote of confidence. With its recent transition into a spot ETF, GDLC now includes XRP alongside Ethereum, Solana, and Cardano—marking a milestone for XRP crypto news.

While Bitcoin still dominates 80% of the fund’s weighting, XRP’s presence sends a clear signal. “Institutional recognition for XRP has already begun,” Ripple’s CEO Brad Garlinghouse recently said. With ten XRP ETF applications filed and a 95% approval probability cited by Bloomberg analysts, a standalone XRP ETF may be next.

Technical Outlook: Bulls Defend the Trendline

From a charting perspective, the XRP coin price is showing firm support above an ascending trendline dating back to June 21. XRP recently bounced off this level, forming a bullish engulfing candle followed by a spinning top—signals of resilience despite market indecision.

XRP was trading at around $2.22, down 1.02% in the last 24 hours at press time. Source: XRP Liquid Index (XRPLX) via Brave New Coin

Key technical levels to watch:

• Support: $2.21
• Immediate resistance: $2.32, followed by $2.38
• Breakdown risk: $2.17, then $2.12

A golden cross—the 50-day EMA crossing above the 200-day EMA—is also being seen as a bullish indicator. Combined with an RSI moving mid-range and a rising wedge pattern, traders see a setup ripe for a breakout. If XRP holds above $2.21 and confirms a bullish reversal, a swing toward $2.50 may be on the horizon.

Bullish Patterns and Market Sentiment

Beyond XRP’s chart, broader market conditions also support a possible rally. A symmetrical triangle pattern has emerged on the daily chart, often a precursor to explosive price movement. Bollinger Bands have tightened, signaling a squeeze—and potentially, a breakout.

XRP made a third touch on the bearish inside trendline at $2.3157 on July 3 and is currently interacting with the bullish inside trendline today. Source: BigSwing007 on TradingView

This triangle is part of a bullish pennant, and a confirmed breakout could push the XRP price toward its yearly high of $3.40—representing nearly 50% upside from current levels.

The XRP price prediction 2025 climate also has macro tailwinds. The Nasdaq 100 and S&P 500 have just set new records, and the U.S. Dollar Index has dropped. A rising risk-on mood could send more money into cryptocurrency, and XRP will benefit.

Institutional Accumulation and EVM Sidechain Launch

According to CoinShares statistics, XRP is the third-most-purchased token by institutions this week after Bitcoin and Ethereum. This surge in demand follows the recent launch by Ripple of its Ethereum-compatible sidechain (EVM) for the XRP Ledger, enabling developers to deploy smart contracts on XRPL based on Ethereum.

The XRPL EVM sidechain is now live, introducing multichain DeFi capabilities, XRP-based lending, and institutional-grade interoperability across major blockchain ecosystems. Source: @MerlijnTrader via X

This expansion of XRP’s universe makes it more valuable and beneficial in the long run, favoring positive XRP predictions. Some projections, including more aggressive XRP price prediction 2030 models, see the token eventually reaching $1,000, provided with full regulatory clarity and global acceptance of Ripple’s payment rails.

Will XRP Break $2.50 Before an ETF Ruling—Key Takeaways

• With XRP ETF news heating up and both technical and regulatory catalysts aligning in its favor, trading above $2.50 seems possible even before the October ETF decision deadlines.
• A successful breakout above the $2.38 resistance would pave the way for $2.50 and higher, especially if there are institutional inflows and if Ripple’s regulatory strategy succeeds.
• In the near term, XRP’s price action will likely be driven by sentiment, updates on the Ripple lawsuit, and announcements regarding ETFs.