XRP News Today: Prominent Crypto Strategist Aggressively Buys XRP Amid 19% Drop as Ripple Pursues Banking License

A prominent crypto strategist, Armando Pantoja, disclosed his aggressive purchase of XRP during its sharp price decline on July 23, 2025, driven by a strategic repositioning of Ripple in the banking sector and its long-term utility in global payments. The token fell to $2.99 from over $3.50, prompting panic among investors but attracting Pantoja, who highlighted Ripple’s application for a U.S. national banking license as a transformative development. “Ripple isn’t just partnering with banks anymore—it’s becoming one,” Pantoja stated, emphasizing the company’s shift from a fintech provider to a regulated financial institution [1].

Pantoja’s rationale centered on XRP’s role in addressing inefficiencies in cross-border transactions, where approximately $26 trillion in funds remain idle due to slow settlement systems. XRP’s ability to facilitate real-time settlements in under three seconds, coupled with its potential to eliminate the need for pre-funded accounts, positions it as a critical tool for unlocking liquidity. “This core utility gives XRP lasting relevance,” he argued, contrasting its speculative narrative with its foundational value proposition [1].

The dip occurred amid broader market volatility, with XRP down nearly 19% in early July. Analysts attributed the decline to a rotation of capital into emerging altcoins like Ethereum and regulatory uncertainties surrounding Ripple. Technical analysts noted that sustained buying pressure would be essential for a recovery, as bulls failed to step in during previous dips [2][4]. However, Pantoja projected a long-term price target of $36.42 if XRP’s market cap reached Bitcoin’s current valuation. He further speculated that XRP could rise alongside Bitcoin if it solidifies its role in global settlement systems, though it does not aim to replace Bitcoin but instead address banking inefficiencies [1].

Ripple’s push for a banking license represents a pivotal shift in its strategy. By aligning with regulatory frameworks, the company aims to offer licensed services directly to institutions, fostering trust and broader adoption. This regulatory alignment, Pantoja argued, differentiates XRP from other digital assets by tying it to real-world financial infrastructure [1]. Meanwhile, market analysts observed that XRP’s volatility reflected broader crypto market dynamics, with a 5% decline in Ethereum’s price over 24 hours contributing to capital reallocation [5].

Despite short-term challenges, Pantoja emphasized the exponential growth potential of XRP if it becomes a bridge currency for transferring a fraction of the trillions in global payments. “Demand for XRP will rise as its utility scales,” he stated, highlighting the token’s role in bridging traditional and digital finance [1]. Analysts at Cointelegraph echoed that the correction was “healthy” and predicted a rebound within 10–30% in the short term, though long-term outcomes depend on institutional adoption and regulatory clarity [2].

The dip reignited debates about market psychology, with some experts noting the importance of sustained buyer interest to overcome resistance levels. Pantoja’s strategy, however, focuses on XRP’s structural advantages, arguing that its utility in cross-border payments will outpace speculative cycles. “Unless bulls step in aggressively, a recovery may struggle,” warned Mitrade analysts, underscoring the need for continued institutional demand to offset broader market fluctuations [4].

In parallel, unrelated promotional content, such as a flagged Facebook post on the “sunk cost fallacy” in options trading, was excluded from the analysis due to its lack of relevance to XRP’s price movement [3].

The event underscores the interplay between institutional adoption, regulatory developments, and market sentiment in shaping XRP’s trajectory. While immediate price targets remain speculative, Pantoja’s aggressive buying reflects confidence in Ripple’s foundational role in financial innovation. Analysts continue to monitor whether regulatory progress and utility-driven demand can outpace broader crypto market volatility in the coming months.

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 XRP Cloud Mining Contract](https://coincentral.com/why-did-xrp-ripple-fall-ripplecoin-mining-launches-xrp-cloud-mining-contract-to-help-holders-obtain-stable-income/)

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

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