XRP News Today: XRP Hits New All-Time High of $3.64 Driven by Regulatory Progress and Institutional Interest

XRP, the cryptocurrency associated with Ripple, has reached a new all-time high of $3.64 on July 18, surpassing its previous peak of $3.40 in January 2018. This surge has propelled XRP to a market capitalization of $212 billion, making it the third-largest cryptocurrency by value. Experts attribute this significant rise not just to market sentiment but to strategic moves by Ripple and regulatory developments.

Ripple's regulatory progress is a key driver of XRP's momentum. The company has filed for a national trust bank charter with the OCC and a Federal Reserve master account. This move would allow Ripple to custody its RLUSD stablecoin reserves at the Federal Reserve and operate under federal supervision. CEO Brad Garlinghouse has described this as a new benchmark for transparency and mainstream integration. Analysts believe that approval is likely under the OCC’s regulatory framework.

Ripple is also preparing its RLUSD stablecoin for broader issuance in the US. The GENIUS Act, recently passed by the Senate, mandates that stablecoin issuers meet full-reserve requirements, undergo regular audits, and obtain licensing—all criteria that RLUSD already meets. This regulatory alignment positions RLUSD favorably for expansion.

Several major companies, including VivoPower International and Webus, have announced plans to add $421 million worth of XRP to their corporate treasuries. This growing institutional interest, coupled with Ripple's legal settlement roadmap and discussions with the SEC about pausing appeals, adds significant momentum to XRP's rally.

The market is also optimistic about the potential launch of XRP spot ETFs, which could unlock substantial capital from institutional and wealth management channels. Similar to the flows seen in Bitcoin and Ethereum ETFs, XRP ETFs are expected to drive significant adoption if approved in the US.

From a technical perspective, XRP has broken key resistance zones and reclaimed a new all-time high. A recent analysis suggests that XRP is forming a classic ascending structure, with potential market cap targets of $250-$258 billion if the momentum continues.

This new XRP all-time high and rally have broader implications for the cryptocurrency market. As one of the most widely used tokens in cross-border payments and smart contracts, XRP's strength could encourage other altcoins to deepen their regulatory integration. Experts believe that XRP’s rise could accelerate corporate adoption of blockchain-based solutions in various real-world applications, from payroll systems to institutional asset management.

In conclusion, the new XRP all-time high of $3.64 is a significant milestone. It marks an inflection point for the token and Ripple itself, driven by a confluence of structural forces including a national bank charter application, stablecoin readiness, institutional treasury accumulation, and ETF hopes. The result is a surge in market value, liquidity, and relevance within the broader crypto ecosystem.