XRP News Today: MiCA Compliance and Institutional Adoption Drive XRP's $3 Surge

Ripple's expansion of custody solutions in Europe has catalyzed a significant surge in XRP's price, with the token climbing above $3 amid growing institutional adoption and regulatory clarity under the EU's Markets in Crypto-Assets (MiCA) framework. The partnership with Spanish bank BBVA, announced in late August 2025, has positioned Ripple to offer digital asset custody services to retail and institutional clients, aligning with MiCA's compliance requirements and enhancing XRP's legitimacy in the European market XRP Rallies 8% After Ripple’s New Partnership With BBVA And ...^[1]. This development follows a 250% year-over-year growth in Ripple Custody client sign-ups, with institutions in 15 jurisdictions, including Switzerland, Germany, and Singapore, now utilizing the service .

The XRP price rally, which saw an 8% increase in early September, has been driven by rising institutional demand and speculative bets on U.S. spot ETF approvals. With the SEC's August 2025 ruling classifying XRP as a non-security in secondary trading, the token has attracted over $5.71 million in net inflows, signaling accumulation at critical resistance levels XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2]. Analysts estimate an 84–87% probability of XRP ETF approval by October 2025, potentially unlocking $5–8 billion in institutional inflows, mirroring the success of Bitcoin ETFs XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2]. This optimism is reflected in derivatives markets, where the call-to-put ratio for XRP options stands at 3-to-1, concentrated between $2.90–$3.50 XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2].

Technical indicators further support XRP's bullish momentum. The token has broken out of a descending wedge, with the $2.94–$2.95 zone acting as a strong base. The Relative Strength Index (RSI) at 55 suggests recovery without overbought conditions, while volume spikes during the September 9–10 surge indicate robust institutional buying XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2]. If XRP sustains above $3.00, it could target $3.05–$3.10 Fibonacci extensions, with a potential move toward $3.50–$4.00 by year-end if regulatory and ETF catalysts align XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2].

Ripple's strategic initiatives extend beyond custody. The launch of its stablecoin RLUSD, which reached a $687.9 million market cap within eight months, underscores the company's broader ecosystem. RLUSD, fully collateralized with U.S. dollars and Treasuries, has secured BNY Mellon as its reserve custodian, enhancing credibility and scalability. Additionally, Ripple's application for an Office of the Comptroller of the Currency (OCC) banking charter, pending a decision by October 2025, could further integrate its services into traditional finance .

Market analysts highlight Ripple's unique position in cross-border payments, with XRP's ledger processing 1.5 million transactions daily and $1.3 trillion in remittances via RippleNet. Unlike speculative altcoins, XRP's utility through bank partnerships and regulatory compliance differentiates it in a market anticipating Fed rate cuts and improved macroeconomic conditions XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2]. However, risks persist, including rising exchange reserves (at a 12-month high) and potential regulatory delays in the U.S. XRP Breaks $3 as BBVA Partnership and ETF Hopes Ignite 2025 Rally^[2].

The convergence of institutional adoption, regulatory tailwinds, and technical strength positions XRP as a leading contender in the crypto space. With the SWELL 2025 conference approaching and historical patterns suggesting significant price movements during this period, XRP's trajectory remains closely watched by traders and investors Ripple Expands Into Custody and Stablecoins in 2025^[4].