XRP News Today: Ripple's XRP at Crossroads: ETF Hopes vs. Volatility and Valuation Risks

A prominent XRP advocate has issued a critical warning to holders of the cryptocurrency, emphasizing potential challenges and opportunities in the near-term outlook. Amid growing optimism over possible U.S. spot ETF approvals and technical improvements in the XRP Ledger, analysts caution investors to remain cautious about market volatility and structural imbalances. These warnings come as XRP experiences a strong accumulation phase, signaling renewed interest from long-term investors.

The XRP community is closely watching the U.S. Securities and Exchange Commission (SEC) as it delays decisions on several ETF applications, including one from WisdomTree. These applications have been under review for an extended period, and any approval could significantly impact the XRP price. Pseudonymous XRP holder Pimpius estimated potential inflows of over $5 billion in the first month if ETFs are approved, noting that this could create a substantial demand shock in a market with limited liquidity due to escrow-locked supply [1].

Deribit options data also highlights a bullish sentiment for XRP, with December calls trading at a premium of 6 volatility points over puts. This indicates a strong expectation for a year-end price rally. XRP is currently trading at around $2.88, and on-chain data suggests that long-term investors are accumulating nearly 1.7 million XRP in a month—the largest buying spree in over two years [3]. This accumulation phase contrasts with the broader altcoin market, where signs of recovery are limited. Analysts view this as a potential catalyst for a sustainable XRP rebound.

However, the bullish narrative is not without risks. The Network Value to Transactions (NVT) ratio for XRP has surged to a two-month high, suggesting that the token’s valuation may be outpacing its underlying transactional activity. A high NVT could signal an overvaluation, leading to a possible correction if the price fails to break through key resistance levels. If XRP cannot sustain a move above $2.85, it could face a pullback to support levels at $2.73 or $2.64, raising concerns about short-term fragility [3].

In parallel, Ripple has gained renewed focus in the context of global financial infrastructure. With its legal battle with the SEC now resolved, Ripple has the opportunity to challenge SWIFT, the dominant international payment system. Ripple’s XRP Ledger offers faster transaction times, lower fees, and greater transparency, making it an attractive alternative to SWIFT’s legacy infrastructure. Ripple CEO Brad Garlinghouse previously stated that the company’s long-term goal is to replace SWIFT in cross-border payments, a move that could further elevate XRP’s strategic importance [7].

Despite these developments, widespread adoption of Ripple’s technology remains contingent on regulatory clarity and institutional trust. While Ripple has secured partnerships in multiple jurisdictions, SWIFT’s entrenched position and the inertia of traditional banking systems pose significant barriers to rapid transformation. However, with the passage of the GENIUS Act and growing congressional support for private stablecoins, the regulatory environment is gradually becoming more favorable for blockchain-based payment solutions [7].

As XRP continues to attract institutional and retail attention, investors are advised to closely monitor both market dynamics and regulatory developments. While the potential for substantial price gains exists, particularly in the event of ETF approvals, structural and technical risks remain. A balanced approach, incorporating both on-chain activity and macroeconomic signals, will be essential for investors navigating this evolving landscape.

Source:

[1] XRP and SOL Signal Bull Run While Traders Hedge for ... (https://finance.yahoo.com/news/xrp-sol-signal-bullish-strength-062449930.html)

[2] Automatic Token Support for XRP Ledger (https://www.chainalysis.com/blog/xrp-ledger-automatic-token-support-september-2025-2/)

[3] XRP Hits Record-Breaking Buying Spree (https://www.cointribune.com/en/crypto-xrp-records-a-buying-record/)

[4] Cronos Price | CRO Price, Charts (https://crypto.com/price/cronos)

[5] Trump's Media Company Closes $105M Crypto.com Deal (https://cointelegraph.com/news/trump-media-company-crypto-com-treasury-deal)

[6] Trump Media (DJT) Takes $105M in Cronos (CRO) Tokens ... (https://www.coindesk.com/business/2025/09/05/trump-media-closes-on-purchase-of-usd105m-in-cronos-tokens-in-crypto-com-deal)

[7] Ripple's SEC battle is over: Time to challenge SWIFT? (https://cointelegraph.com/news/ripple-sec-over-challenge-swift)

[8] Here Are 3 Ways President Trump's Crypto Policy Roadmap ... (https://finance.yahoo.com/news/3-ways-president-trumps-crypto-080000703.html)