XRP News Today: XRP Hits $3.65 All-Time High on ETF Growth and Partnerships, 10% Drop Follows Amid Regulatory Uncertainty

XRP’s price surged to a new all-time high of $3.65 on July 18, 2025, before retreating to trade near $3.00 in the following weeks, coinciding with a record-breaking 2.59 million daily transactions. The token’s performance reflects a surge in institutional interest, driven by the Ultra XRP ETF’s $530 million in assets under management and Ripple’s expanding cross-border payment partnerships with financial institutions like Santander and SBI Holdings. Network utility has also spiked, with 1.2 billion transactions processed in a 24-hour period, underscoring XRP’s role as a bridge currency via RippleNet’s On-Demand Liquidity (ODL) service [1].

The price action, however, has been marked by volatility. Between July 24 and 25, XRP fluctuated between $2.96 and $3.45, with a 10% drop from $3.45 to $3.10 within a single session erasing $90 million in long positions. Analysts attribute this to market consolidation, noting historical double-top patterns that could signal further turbulence. The pullback followed a brief rally fueled by renewed regulatory optimism after U.S. President Donald Trump’s announcement of a strategic crypto reserve including XRP, which bolstered investor confidence in Ripple’s institutional adoption [2].

Technical indicators highlight XRP’s precarious position. A sustained rally above $3.40 would require renewed institutional demand and favorable regulatory developments, particularly in the U.S., where the strategic reserve could act as a catalyst. Conversely, bearish forecasts from Changelly suggest the price could dip to $2.05 amid global economic uncertainty, while bullish predictions from CoinPedia envision a rebound to $5.81 if adoption accelerates in Japan and Latin America [3]. The token’s market capitalization, ranging between $176 billion and $178 billion, cements its position as the third-largest cryptocurrency by value, though its price sensitivity to macroeconomic and regulatory shifts remains a key risk [4].

The surge in transactions and price movements underscores XRP’s dual identity as both a speculative asset and a functional payment protocol. Low settlement times (3–5 seconds) and minimal fees (~$0.0002 per transaction) have attracted financial institutions, yet competition from stablecoins and SWIFT’s blockchain initiatives could pressure demand. Ripple executives, including Brad Garlinghouse and David Schwartz, have not commented publicly on the recent developments, while Chris Larsen’s $175 million XRP transfer has sparked community debates without triggering official responses.

Market participants are now closely monitoring Ripple’s strategic partnerships and the launch of a futures ETF, which could influence short-term liquidity. While XRP’s utility in cross-border payments provides a foundation for growth, its trajectory will depend on balancing speculative momentum with institutional adoption. Regulatory clarity, particularly regarding the strategic crypto reserve, remains a critical wildcard for the asset’s future.

Sources:

[1] [XRP Rebounds From Nearly $3 After 10% Drop, Signals Possible Bottom](https://www.coindesk.com/markets/2025/07/24/xrp-rebounds-from-nearly-usd3-after-10-drop-signals-possible-bottom)

[2] [XRP Price Prediction: Where Ripple Could Be by 2025](https://finance.yahoo.com/news/xrp-price-prediction-where-ripple-141446425.html)

[3] [XRP's Sharp Drop: A 'Healthy Reset' or Start of Deeper Trouble?](https://cryptoadventure.com/xrps-sharp-drop-a-healthy-reset-or-start-of-deeper-trouble/)

[4] [BlockDAG Leads the Race for Highest-ROI Crypto in 2025](https://www.bitcoininsider.org/article/280405/blockdag-leads-race-highest-roi-crypto-2025-alongside-xrp-sui-pi)