XRP News Today: XRP Dips 10.83% Amid 132.79% Volume Surge, Motley Fool Analyst Emphasizes Ripple's Utility

The Motley Fool analyst has challenged prevailing assumptions about XRP, the digital asset linked to Ripple, by shifting focus from speculative price movements to the broader utility of Ripple’s financial infrastructure. Following XRP’s brief surge to $3.6—a 10.83% drop within 24 hours—the analyst emphasized that the token’s long-term potential hinges on Ripple’s real-world applications rather than market volatility or institutional adoption forecasts. At $3.09, XRP’s 24-hour trading volume surged 132.79% to $16.47 billion, reflecting sustained interest despite a 10.83% decline in market capitalization to $183.02 billion.

The analysis underscores Ripple’s cross-border payment system, which enables near-instant transactions with minimal fees (0.00001 XRP per transaction). Unlike traditional banking models reliant on intermediaries, Ripple’s network facilitates direct value transfers between institutions, reducing foreign exchange costs and processing times. The company’s holdings of 41 billion XRP tokens, gradually released into circulation alongside the 59.18 billion actively traded, highlight its strategic control over token supply. However, regulatory challenges persist, including the 2020 SEC lawsuit arguing XRP’s classification as a security—a claim partially dismissed in 2023 but still unresolved.

The analyst cautioned against overestimating XRP’s immediate price potential, noting that legal uncertainties and market speculation may limit its growth trajectory. While some investors view XRP’s low price and market cap as bullish catalysts, the Motley Fool positioned it as a lower-priority investment for 2025, emphasizing assets with clear long-term value propositions instead. This stance contrasts with narratives promoting rapid gains, particularly in assets like Dogecoin and Shiba Inu, which have exhibited sharp price swings without corresponding fundamentals.

Market reactions to the analysis have been mixed. Critics argue that Ripple’s dominance in cross-border payments—a niche where it has historically outperformed competitors—could still drive XRP’s utility-based value. However, the analyst stressed that institutional adoption hinges on resolving legal risks and demonstrating consistent real-world use cases. For now, XRP’s trajectory appears decoupled from broader crypto trends, with slower, more measured growth anticipated rather than dramatic price jumps.

As regulatory scrutiny intensifies and the sector bifurcates between established projects and speculative tokens, the Motley Fool’s focus on tangible utility over short-term volatility aligns with institutional investor priorities. While XRP holders await clarity on legal and market dynamics, the analyst’s perspective reflects a broader shift toward risk mitigation and regulatory alignment in 2025.

Source: [1] [Cryptocurrency XRP (Ripple) a Millionaire-Maker?](https://www.aol.com/cryptocurrency-xrp-ripple-millionaire-maker-101500500.html)

[2] [JP Morgan Chase & Co. Common Stock (JPM)](https://www.nasdaq.com/market-activity/stocks/jpm)

[3] [Better Buy: Dogecoin or Shiba Inu?](https://www.mitrade.com/insights/news/live-news/article-8-983436-20250724)

[4] [How to Invest in Radiant Pre-IPO](https://www.fool.com/investing/how-to-invest/stocks/how-to-invest-in-radiant-pre-ipo/)

[5] [Why Dogecoin Is Plummeting Today](https://www.aol.com/why-dogecoin-plummeting-today-225017167.html)

[6] [Medical Properties Soared 10.5% Intraday](https://www.ainvest.com/news/medical-properties-soared-10-5-intraday-start-turnaround-2507/)

[7] [The Hot Options Report: 07-23-2025](https://player.fm/series/the-options-insider-radio-network/the-hot-options-report-07-23-2025)