XRP News Today: XRP Price Up 330% as SEC Resolves Dispute, ETFs Fuel Institutional Adoption

XRP’s price surge to record highs in mid-July 2025 coincided with a marked shift in the XRP Ledger’s (XRPL) activity, signaling a transition from retail-driven engagement to institutional adoption. Data from the ledger revealed a 50% decline in daily active accounts since January 2024, dropping from 39,500 to approximately 19,500 by late June, while transaction volumes and fee loads per user rose significantly. This divergence suggests a migration from casual retail participants to larger institutional actors executing more intensive transactions [1]. Serotonin’s Senior Growth Analytics Manager, Paige Horinek, noted, “Casual participants are leaving, but the capital that remains is being deployed more intensively,” highlighting the network’s evolving dynamics [2].

The XRPL’s focus on payments over speculative trading further underscores this shift. Nearly 99.7% of on-ledger volumes were payment-related, with decentralized exchange trades and swaps accounting for less than 1%. Larger transfer sizes and increased total-value-locked in automated market makers (AMMs) indicate growing institutional participation, positioning XRP as a settlement network rather than a retail speculative asset [3]. Ripple CEO Brad Garlinghouse has warned of rising scams targeting XRP holders via YouTube, reflecting heightened risks for retail investors amid the token’s ascent to third-largest market capitalization [4].

Institutional interest was amplified by the U.S. SEC’s July 2025 resolution of its legal dispute with Ripple, removing regulatory barriers for ETFs and institutional investments. The Teucrium XXRP ETF, tracking XRP, surpassed $500 million in assets under management, holding nearly 8 million tokens. This development aligns with broader trends in crypto markets, where ETFs often serve as on-ramps for institutional capital [1]. However, analysts caution that XRP’s large circulating supply of 59 billion tokens could hinder rapid price appreciation, even as technical indicators like a bull flag pattern suggest potential for a 330% price surge to $15 [4].

The interplay between institutional and retail demand has shaped XRP’s trajectory. While spot volumes spiked in July, reflecting residual retail interest, long-term growth hinges on institutional allocations. A 10% price correction in early July highlighted the fragility of retail-driven momentum, though the SEC’s resolution has reduced uncertainty for institutional players. Analysts remain divided on whether institutional demand will stabilize XRP’s price or if retail volatility will persist. Despite this, the combination of ETF growth, on-chain activity, and regulatory clarity positions XRP to benefit from the broader institutional crypto adoption wave [4].

The network’s transformation reflects a strategic repositioning of XRP as a settlement rail, with declining retail activity and rising institutional utility. Investors and observers must monitor how this shift influences XRP’s market dynamics and regulatory environment. The evolving landscape underscores XRP’s transition from a retail-centric token to an interbank settlement network, with its value proposition now increasingly tied to institutional infrastructure and liquidity commitments [3].

Source:

[1] [XRP Surpasses Bitcoin, Ethereum in Coinbase Buyer Ranks Post SEC Legal Clarity] (https://www.ainvest.com/news/xrp-news-today-xrp-surpasses-bitcoin-ethereum-coinbase-buyer-ranks-post-sec-legal-clarity-2507/)

[2] [XRP Ledger Activity Suggests Possible Shift From Retail to Institutional Use Amid Price Surge July 24, 2025] (https://en.coinotag.com/xrp-ledger-activity-suggests-possible-shift-from-retail-to-institutional-use-amid-price-surge/)

[3] [XRP ETF Surpasses $400M in Assets as Price Breaks $4] (https://www.btcc.com/en-IN/square/XRP%20News/676345)

[4] [Analyst Predicts $15 XRP Price After ETF Growth and Breakout Signal] (https://coincentral.com/analyst-predicts-15-xrp-price-after-etf-growth-and-breakout-signal/)