XRP News Today: XRP Surges 20% to $3.65 on U.S. Crypto Bill Approval

Ripple’s XRP has reached a new all-time high (ATH) of $3.65, surpassing its previous peak. This surge follows the U.S. House of Representatives’ approval of three significant cryptocurrency bills, including the highly anticipated Genius Act. The legislation aims to establish clearer regulatory frameworks for digital assets and is now awaiting final approval from President Donald Trump.

This legislative progress has sparked strong bullish sentiment around XRP, driving the token up by more than 20% in just 24 hours. Analysts are now eyeing future resistance levels at $3.80, $4.33, and potentially $4.72 in the coming weeks, according to analysts' forecasts.

The surge in XRP’s price can be attributed to several key factors. Firstly, the U.S. House passing crypto-positive legislation is a landmark move. The Genius Act, in particular, proposes a clear legal path for digital assets, something investors have long awaited. Secondly, the long-standing SEC vs. Ripple lawsuit appears to be resolved, with both parties reaching an agreement. This removes a significant barrier to XRP adoption and investor confidence. Additionally, speculation is mounting around a potential XRP ETF approval in the U.S., with market analysts placing over 85% odds of approval before year-end. Behind the scenes, major institutions are increasing their exposure to Ripple’s payment network, driving bullish fundamentals. Lastly, the retail crowd is re-entering the crypto market with full force, riding the wave of optimism across Bitcoin, Ethereum, and now XRP.

Technically, XRP has established strong support in the $2.90–$3.00 range. As long as it holds above this zone, the bullish trend remains intact. A break above $3.80 would confirm another leg up, with $5 becoming a realistic short-term goal by the end of July. However, if profit-taking emerges, a minor correction could briefly bring prices down to the support range, creating a potential re-entry opportunity for bulls.

This XRP rally is part of a broader crypto resurgence. Over $500 billion in capital has re-entered the digital asset market in the past two weeks. Bitcoin has reclaimed $123,000, while Ethereum has surged to $3,400. The momentum XRP is showing reflects a new era for crypto—driven by policy clarity, institutional buy-in, and renewed investor trust.