XRP Targets $9.63 With 200% Surge as Mastercard Deal Boosts

XRP Analysts Predict a 200% Surge to $9.63 Amid Cycle Parallel

XRP may be on the brink of its next major breakout, with market analyst Crypto Joe forecasting a move exceeding 200%, potentially driving the token to $9.63. 

This projection stems from historical cycle performance and striking similarities between XRP’s current setup and past breakout patterns.

Joe highlights that XRP’s market structure mirrors past cycles marked by consolidation, explosive breakouts, and sustained rallies. He notes the current setup closely aligns with previous patterns that delivered gains exceeding 200%.

This bullish outlook comes at a time when XRP is witnessing a notable pullback after recently hitting an all-time high (ATH) of $3.65.

At the time of this writing, XRP was trading at $2.94, representing a 3% drop in the past 24 hours. 

Crypto Joe stressed that XRP’s $9.63 target stems from precise cycle analysis. In past bull runs, XRP consistently delivered explosive gains after clearing major liquidity zones. He argues the current consolidation is a textbook setup for another parabolic rally.

Is it a New Era for Mastercard and XRP?

According to crypto pundit Smart Degen, a groundbreaking partnership among Mastercard, XRP, and WebBank is set to reshape how digital assets integrate with traditional finance. The collaboration will introduce a mainstream credit card product that runs on XRP’s blockchain rails, with its official launch scheduled for August 25, 2025. 

The partnership is particularly significant because it brings together three powerful players in their respective fields. Mastercard, a global leader in payments, has been steadily expanding its digital asset initiatives. 

XRP, known for its fast, low-cost cross-border settlement capabilities, offers the blockchain infrastructure needed for instant and efficient transactions. WebBank, a U.S.-based FDIC-insured bank, adds the regulatory and compliance backbone to ensure the product is fully integrated within existing financial systems.

Furthermore, the hint that something big is coming arrived in plain sight. Gemini posted a striking New York City billboard, shared on its X account with the line “Prepare your bags” that features a sleek, XRP-branded Mastercard mock-up and the date 8.25.25. The image and post have become the smoking gun for speculation that a payment product tied to XRP is imminent. 

Crypto outlets and analysts quickly seized on Smart Degen’s thread and Gemini’s teaser, highlighting a subtle yet crucial detail: the card mock-up bears the label ‘Issued by WebBank.’ This suggests a regulated U.S. bank could be the issuer, a move seen as pivotal for ensuring compliance and streamlining the product’s rollout.

While reports suggest coordinated marketing and strong interest from exchanges and payment partners, the full product terms, such as whether transactions will run directly on XRP rails, how conversion will work, and the precise roles of Ripple, Gemini, Mastercard, and WebBank, have yet to be outlined in a definitive release. 

Industry coverage frames the development as a likely milestone, but cautions that specifics are still being finalized.

Meanwhile, Gemini recently tapped Ripple for its pre-IPO credit line with XRP liquidity taking center stage. 

Conclusion

If confirmed, the Mastercard–XRP–WebBank partnership could redefine digital asset integration with legacy finance, shifting crypto from speculation to real-world utility. 

An XRP-powered credit card would validate blockchain’s role in mainstream payments and accelerate adoption across banks, merchants, and consumers.

On the other hand, if history rhymes as Crypto Joe suggests, XRP could be on the verge of its next explosive chapter, with $9.63 standing as the defining milestone.