XRP News Today: XRP Hits All-Time High of $3.64 on Regulatory Advancements and Institutional Interest

XRP, the cryptocurrency associated with Ripple Labs, reached an all-time high of $3.64 on July 18, 2025. This surge was driven by a combination of regulatory advancements and increased institutional interest in the digital asset market. The market's positive response to these developments has bolstered investor confidence, particularly with the launch of institutional ETFs and on-chain accumulation trends.

One of the key regulatory developments is the collaboration between Ripple Labs and Circle to apply for a U.S. National Trust Bank charter. This move aims to integrate XRP into the federal oversight framework, providing a clearer regulatory environment for the cryptocurrency. Despite rumors, there is no evidence supporting claims of involvement by former U.S. President Donald Trump in an act referred to as the "GENIUS Act."

The immediate impact of these regulatory advancements has been significant, with XRP's market capitalization increasing by 40% to reach $212 billion. This surge in market capitalization reflects heightened liquidity and investor interest in XRP's future prospects. The launch of the first U.S. XRP futures ETF by ProShares has further enhanced the legitimacy of XRP, signaling potential mainstream adoption.

David Schwartz, the Chief Technology Officer of Ripple Labs, attributed the rise of XRP to increased institutional interest and regulatory clarity, rather than speculative claims linked to external events. Historically, similar surges in cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH) have been driven by regulatory clarity and ETF filings. As the regulatory landscape continues to evolve, XRP's trajectory may further influence financial and technological sectors, potentially encouraging more XRP-related products and investments.

However, concerns about the "GENIUS Act" and its potential impact on the cryptocurrency market remain unclear. The act, if implemented, could have significant implications for the regulatory environment of digital assets. Despite the uncertainty, the market dynamics indicate a shift towards regulated digital assets, with investors increasingly seeking clarity and legitimacy in their investments.