XRP News Today: XRP Surges Past $3 Amid Whale Activity and Institutional Momentum

XRP has emerged as one of the most volatile and closely watched cryptocurrencies in July 2025, surging past the $3 threshold amid a wave of bullish sentiment and significant on-chain activity. The digital asset reached an intraday high of $3.64 on July 18, marking its strongest level since 2018. Throughout the month, XRP has largely traded in a range between $3.10 and $3.55, posting six consecutive positive weeks in July [1].

A major catalyst for the price movement came from whale activity, notably a $175 million XRP transfer from Ripple co-founder Chris Larsen. A large portion of this—$140 million—landed on exchanges, triggering a sharp 13.5% drop in XRP’s price. This event tested the $3 support level, a key psychological benchmark. Despite the volatility, over 93% of XRP holders remain in profit, leading to increased profit-taking and further price swings [1].

Analysts have offered varied projections for XRP’s near-term trajectory. Technical analyst Ali Martinez identifies a potential breakout above $3 as a key driver for a surge toward $15, citing a "symmetrical triangle" pattern. Meanwhile, AI-driven models such as Grok suggest a more stable trading range between $2.70 and $4.00, with $3.50 as a potential average price level [1]. If XRP sustains its current momentum, it could retest or even surpass its all-time high of $3.84 in the coming months.

Beyond price action, XRP has seen meaningful institutional and regulatory developments. Ripple’s CEO Brad Garlinghouse confirmed the company’s application for a national bank charter for its stablecoin RLUSD, a move expected to accelerate institutional adoption. Additionally, XRP has been integrated into flagship products by major funds like Grayscale, and speculation is growing about its potential inclusion in U.S.-based ETFs, which could act as a major catalyst in the second half of 2025 [1].

Strong on-chain metrics further support XRP’s bullish narrative. The network processes an average of 800,000 to 1 million transactions daily, underscoring its utility in cross-border payments. XRP’s advantages—such as high transaction speed and low fees—position it as a competitive alternative to Bitcoin and Ethereum in the real-world payments sector [2].

The broader crypto environment has also played a role in XRP’s resurgence. A record rally in Bitcoin has created a positive backdrop for altcoins, while Ripple’s continued expansion in the remittance and financial services sectors has reinforced confidence in the token’s long-term utility [2]. The return of $75 million in escrowed funds by the SEC has further reduced legal uncertainty, contributing to a more favorable investment climate [2].

Looking ahead, technical analysts identify $2.95–$3.00 as key support levels and $3.60–$4.50 as major resistance. A decisive monthly close above $3.03 could open the door to a parabolic price run, while a break below $3 could lead to a more pronounced correction.

Overall, XRP’s recent performance reflects a convergence of strong fundamentals, technical momentum, and regulatory progress. As institutional interest and real-world adoption continue to grow, XRP is emerging as a key player in the next phase of crypto market development [1][2].

---

[1] Coinpaper, [https://coinpaper.com/10275/xrp-explodes-in-july-surges-whale-moves-and-historic-milestones-ignite-market-buzz](https://coinpaper.com/10275/xrp-explodes-in-july-surges-whale-moves-and-historic-milestones-ignite-market-buzz)

[2] The Economic Times, [https://m.economictimes.com/news/international/us/xrp-price-prediction-xrp-whale-activity-shows-bullish-momentum-is-a-10-breakout-coming-soon/articleshow/122997983.cms](https://m.economictimes.com/news/international/us/xrp-price-prediction-xrp-whale-activity-shows-bullish-momentum-is-a-10-breakout-coming-soon/articleshow/122997983.cms)