XRP News Today: Pantoja Buys XRP Amid 19% Price Drop Citing Ripple's Banking License Push

Cryptocurrency analyst Armando Pantoja executed a significant purchase of XRP during its sharp price decline on July 23, 2025, as the token fell from above $3.50 to $2.99 [1]. His decision was framed as a strategic move to capitalize on Ripple’s evolving role in the banking sector and the asset’s long-term utility in cross-border payments. Pantoja emphasized that Ripple’s application for a U.S. national banking license signals a pivotal shift: “Ripple isn’t just partnering with banks anymore—it’s becoming one,” he stated, highlighting the company’s transition from a technology provider to a regulated financial institution [1]. This development, he argued, could fundamentally alter the trajectory of XRP by integrating its settlement capabilities into the core infrastructure of global finance.

The XRP price drop was attributed to broader market dynamics, including overbought conditions and a temporary shift in trader attention toward emerging altcoins [2]. However, Pantoja viewed the decline as an opportunity to accumulate discounted exposure to an asset he believes is positioned for exponential growth. His rationale centered on XRP’s role in addressing inefficiencies in cross-border transactions. Pantoja noted that approximately $26 trillion globally remains idle in pre-funded accounts to support traditional settlement systems, a bottleneck that XRP’s three-second settlement time could eliminate by enabling real-time transfers without reliance on frozen funds [1]. This utility, he argued, creates a durable demand for XRP that transcends speculative cycles.

Ripple’s pursuit of a banking license, if successful, could further amplify XRP’s institutional appeal. The company has long collaborated with financial institutions via its payment networks, but direct regulatory alignment could unlock new services such as licensed custodial offerings and increased trust from institutional investors [1]. Pantoja cited this as a structural advantage for XRP, distinguishing it from other digital assets that lack tangible integration with legacy systems. His bullish stance was underscored by a price projection: if XRP were to capture a market cap comparable to Bitcoin’s, the token could reach $36.42 [1]. While this forecast assumes Bitcoin’s continued appreciation—potentially reaching $200,000 or higher—it reflects Pantoja’s belief in XRP’s complementary role to Bitcoin rather than direct competition.

Market analysts observed mixed signals following the dip. While some characterized the 19% drop as a “healthy correction” [2], others noted risks from unresolved regulatory uncertainties and broader volatility in the crypto space [3]. Technical analyses highlighted the need for sustained buying pressure to confirm a recovery, with four rare chart patterns suggesting potential for a rebound to $5 this year [6]. However, a 14% pullback from XRP’s multi-year high of $3.66 underscored the risks of short-term speculation [5]. Pantoja’s aggressive accumulation, though individual, may reflect a broader sentiment among investors who view dips as opportunities to secure assets with foundational utility.

The debate over XRP’s trajectory remains tied to its practical applications. Proponents argue its low-cost, high-speed settlement model offers a critical edge for global payment networks, even as Ethereum’s 5% 24-hour decline siphoned capital away from XRP [4]. Despite ongoing legal challenges with U.S. regulators, Ripple’s institutional partnerships persist, reinforcing Pantoja’s conviction that the token’s value is underpinned by real-world adoption [1]. Whether this translates into sustained demand will depend on whether buying interest continues to counter bearish pressures and validates the asset’s long-term potential.

Sources:

[1] [Expert Reveals Why He Aggressively Bought the XRP Dip Yesterday] https://timestabloid.com/expert-reveals-why-he-aggressively-bought-the-xrp-dip-yesterday/

[2] [XRP Price Drops 19% but Analysts Say It’s a 'Healthy Correction'] https://cointelegraph.com/news/xrp-price-drops-19-percent-analysts-say-healthy-correction-with-10-30-still-in-sight

[3] [Why Did XRP (Ripple) Fall? Ripplecoin Mining Launches] https://coincentral.com/why-did-xrp-ripple-fall-ripplecoin-mining-launches-xrp-cloud-mining-contract-to-help-holders-obtain-stable-income/

[4] [XRP Pulls Back as Traders Rotate Into Emerging Altcoins] https://coincentral.com/xrp-pulls-back-as-traders-rotate-into-emerging-altcoins-like-subdd/

[5] [Ripple Price Forecast: XRP Plummets 14% from Record] https://www.mitrade.com/insights/news/live-news/article-3-984896-20250724

[6] [Dow Jones Rises 400 Points After Trade Deal] https://m.economictimes.com/crypto-news-today-live-23-jul-2025/liveblog/122843865.cms