XRP has officially surpassed the $3 mark for the first time since March 2025, soaring to $3.03, driven by increased institutional adoption and significant accumulation by whale investors.
This price surge coincided with the Federal Reserve’s transition to ISO 20022 for its Fedwire system, a change that took effect on July 14. The move has positioned Ripple’s blockchain payment solutions prominently within the context of an evolving U.S. payment infrastructure.
#Breaking: Fedwire has moved to T+0 settlement. That means trillions in daily interbank transfers, including U.S. Treasuries and central bank reserves, can settle same day in real time.
And $XRP is the only asset designed for real-time cross-border settlement at that scale. pic.twitter.com/VXrOKTlAlS
— Versan | Black Swan Capitalist (@VersanAljarrah) July 14, 2025
XRP Approaches Mainstream Adoption
The Federal Reserve’s implementation of ISO 20022 enhances real-time settlement capabilities across trillions in daily interbank transactions. This new messaging standard enables banks to transmit richer transaction data, thereby minimizing errors and boosting efficiency in cross-border payments.
In 2020, Ripple established itself as a pioneer in the blockchain sector by becoming the first company to join the ISO 20022 Standards Body.
RippleNet has already integrated this standard into its global payment platform, which seamlessly connects banks and payment providers through structured messaging systems aligned with the ISO 20022 framework.
Amidst this development, the number of XRP whale wallets—addresses holding at least 1 million tokens—has reached a record high of 2,743, collectively controlling over 47.32 billion XRP tokens.
Source: Santiment
This surge in accumulation has been coupled with a 26% price increase over the past week, alongside favorable growth metrics on the network.
The SEC is also set to hold a crucial vote on July 17 regarding the potential dismissal of its case against Ripple.
BREAKING: The SEC Commission has scheduled a key vote for July 17.
A decision is expected on the full dismissal of the case against Ripple!
Could this be the end of the legal battle over $XRP?#XRP #Ripple #SEC #Finance Newso #Bullish pic.twitter.com/YGgsUN3TvW
— John Squire (@TheCryptoSquire) July 14, 2025
Investors are viewing this upcoming decision as a pivotal moment that could resolve the lingering legal uncertainties regarding XRP’s regulatory classification.
Ripple’s Strategic Position and Infrastructure Growth
Ripple’s proactive alignment with ISO 20022 places it in a prime position to capitalize on the modernization sweeping through the U.S. banking sector. Financial institutions now depend on technology partners that adhere to this new benchmark, with Ripple having prepared its infrastructure ahead of many competitors.
The company is also pursuing a U.S. national banking license through its subsidiary Standard Custody, aiming for compliance under both state and federal regulations. Ripple has additionally requested a Federal Reserve Master Account for its RLUSD stablecoin, which would enable direct reserve holdings with the Federal Reserve.
RLUSD has made significant inroads into the global remittances market, boasting a market capitalization of over $500 million. Notably, FINMA-licensed AMINA Bank in Switzerland has integrated RLUSD for custody and trading services, while BNY Mellon provides custodial services for the dollar-pegged stablecoin.
Ripple taps BNY Mellon as the primary custodian for its RLUSD stablecoin reserves.#Ripple #BNYMellon https://t.co/zISQRFtcoH
— Finance Newso.com (@Finance Newso) July 9, 2025
Furthermore, Volante Technologies has confirmed that its platform will facilitate XRP settlements through RippleNet connectivity established back in October 2015. Institutions utilizing Volante’s cloud-based Fedwire-as-a-Service can opt for XRP as their settlement mechanism within the newly ISO 20022-compliant framework.
This partnership establishes a robust infrastructure for institutional entities to explore blockchain-based settlement solutions.
Additionally, Ripple has bolstered its capabilities in over-the-counter (OTC) swaps for U.S. institutions by successfully acquiring Hidden Road, enhancing its position as a comprehensive institutional liquidity provider.
Today, Ripple announced it is acquiring Hidden Road for $1.25B– becoming the first crypto company to own and operate a global, multi-asset prime broker. Together, Ripple and Hidden Road are bringing the promise of digital assets to institutional customers at scale, bridging…
— Ripple (@Ripple) April 8, 2025
Technical Indicators Suggest Continued Growth
Technical analysis of XRP indicates the current weekly RSI echoes the pattern seen during the 2017 bull market, with current readings hovering in the mid-60s, akin to the early phases of the preceding explosive rally.
Source: @ChartingGuy on X
This RSI buildup appears more stable compared to the 2021 cycle, suggesting sustained momentum rather than merely speculative activity. The bi-weekly charts reveal a significant double bottom formation over the past seven years, with XRP breaking above the neckline in the $2.20 to $2.50 range.
This pattern, along with an ascending triangle structure, presents a hybrid scenario that historically precedes considerable advances over multi-year periods.
Daily chart assessments show XRP nearing a crucial resistance level at $3.33, with liquidity swings indicating strong trading activity around the $4 mark.
Source: TradingView
Volume profiles during this recent rally reached 376.64 million, confirming both institutional and retail interest at the current price levels.
The recent upgrade to the XRP Ledger (version 2.5.0) has introduced enhancements for token management and transaction processing, resulting in daily active addresses climbing from 35,000 to over 295,000, coinciding with the price breakout above significant technical hurdles.
The XRP ledger is showing serious signs of growth, from both a usage and key stakeholder perspective.
The amount of interacting $XRP addresses has averaged over 295K per day over the past week. Its normal daily average over the past 3 months was approximately 35-40K.
… pic.twitter.com/RvxE8BSFAg
— Santiment (@santimentfeed) June 16, 2025
Technical indicators suggest that XRP could potentially extend its gains towards the $4 mark once it surpasses the $3.33 resistance level. The seven-year double bottom formation implies a measured price target of $38, which represents a substantial 13x increase from current levels, while immediate support is projected in the $2.50 to $2.80 range, where pullbacks are likely to attract buyers as the broader uptrend remains intact.
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