XRP News Today: Whales Build Fortress as XRP Faces Regulatory Crossroads

XRP, the native token of the RippleNet payment system, has been the subject of recent price projections based on technical indicators, whale accumulation, and broader market dynamics. As of early September 2025, XRP is trading at approximately $2.77, with a market capitalization of around $165 billion, placing it among the top five cryptocurrencies by market size. Analysts have highlighted key support and resistance levels, including a critical $2.70 support and a $2.97–$3.10 resistance zone. If the token holds above $2.70, it may see a potential rally toward $3.60–$3.70, with $5 being a medium-term target if sustained buying pressure emerges [4].

Institutional and whale activity has also played a significant role in shaping the current price action. Despite $1.9 billion in institutional liquidations since July, whale accumulation has increased sharply, with 340 million XRP added to large wallets in the past two weeks. Total whale holdings now stand at 7.84 billion XRP, indicating strong long-term confidence in the token. This accumulation contrasts with the recent short-term selling by institutional investors, creating a divergence in market sentiment [4].

Technical analysis suggests that XRP is in a “double three” Elliott Wave correction, with a likely pullback into the $2.20–$2.50 range before the next rally. Fibonacci retracement analysis supports this projection, as the 61.8% level aligns with this support zone. Historically, 61.8% retracements have triggered rebounds in over 70% of cryptocurrency cases. A dip into this range could represent a strong accumulation opportunity ahead of a potential upward move [4].

Regulatory developments continue to impact XRP’s price dynamics. The U.S. Securities and Exchange Commission (SEC) has delayed decisions on XRP-based exchange-traded funds (ETFs until October 24, 2025, adding uncertainty to near-term sentiment. Historical trends show that such delays often result in average altcoin declines of 15%, which may partially explain XRP’s recent struggles to regain momentum. However, regulatory clarity could unlock institutional adoption in the coming months, especially if any of the 16 ETF applications currently under review receive approval [4].

On the broader market front, macroeconomic conditions are beginning to favor risk assets, including cryptocurrencies. With markets pricing in a 90% probability of a Federal Reserve rate cut in September 2025, liquidity inflows into crypto assets are likely to increase. This easing of monetary policy could benefit XRP as well, particularly if it regains control of the $3.00–$3.50 range. However, September remains a historically volatile month for cryptocurrencies, with wide price swings observed in XRP and other altcoins [4].

Looking ahead, analysts project a medium- to long-term range for XRP between $2.50 and $5, with 2028 price targets at $10. These projections are based on factors such as regulatory clarity, ETF approvals, and the expansion of RippleNet partnerships in cross-border payments. Whale accumulation and high on-chain liquidity at key price levels suggest that XRP retains strong structural support even during downturns [4].

Source: [1] Is XRP the Smartest Cryptocurrency to Buy With $1000 Right Now? (https://www.nasdaq.com/articles/xrp-smartest-cryptocurrency-buy-1000-right-now) [2] Bitcoin, XRP and Solana Bounce Back: Here's What's Going On (https://finance.yahoo.com/news/bitcoin-xrp-solana-bounce-back-143252040.html) [3] Is XRP Heading for a Crash in September? (https://www.fool.com/investing/2025/09/02/is-xrp-heading-for-a-crash-in-september/) [4] Ripple (XRP-USD) Price Forecast – Trading at $2.77 With ... (https://www.tradingnews.com/news/ripple-xrp-price-forecast-xrp-usd-at-2-77-usd-eyes-5-usd)