XRP News Today: XRP surges 53% on ETF approval speculation, SEC decision eyed for $4 rally.

XRP’s price surged over 53% in July 2025, reaching $3.20 as market participants speculate on potential approval of the first XRP-based exchange-traded fund (ETF) [1]. The token’s rally followed a near-66% annual increase from its January level of $1.90, with open interest in XRP futures hitting a record $9.5 billion as of July 24 [8]. Analysts attribute the optimism to parallels with Bitcoin and Ethereum’s ETF-driven bull runs, noting that institutional adoption and regulatory clarity could unlock similar inflows for XRP [1].

The U.S. Securities and Exchange Commission (SEC) remains a pivotal factor. A decision on XRP ETF applications is expected by late 2025, with analysts predicting a favorable ruling could push prices toward $4 in the short term [9]. Conversely, delays or rejections—similar to the SEC’s recent postponement of Bitwise’s crypto ETF—could trigger volatility, as seen in XRP’s 6% drop on July 25 following the delay [3]. Long-term forecasts vary widely, with most models projecting a $5–$7 range by late 2025, while aggressive estimates from Flitpay and AI-driven analysis suggest a $10–$20 target by 2025–2030, contingent on macroeconomic tailwinds and institutional buy-in [3][4].

Technical indicators reinforce the bullish narrative. XRP stabilized above $3 despite an 8.46% weekly decline, with Brave New Coin highlighting a potential breakout above $3.30 as a key signal for further gains [5]. CoinCentral analysts identified a $6.19 price target in the coming months, tied to ETF approval and macroeconomic conditions [8]. However, caution persists: a worst-case scenario from Flitpay warns of a retreat to $2, while Coindoo cautions that long-term outcomes hinge on regulatory developments and global economic shifts [1][3].

Institutional interest and Ripple’s cross-border payment partnerships are cited as foundational drivers of XRP’s utility. Yet, legal clarity—particularly the SEC’s potential drop or delay of its Ripple appeal—remains critical for sustained institutional participation [1]. On-chain activity, including whale accumulation and dormant wallet activations, further underscores speculative momentum, though traders are advised to monitor ETF approval timelines and the SEC’s July 25 ruling as key catalysts [6][9].

The broader market context amplifies XRP’s volatility. While optimism over regulated exposure has fueled altcoin rallies, the token’s trajectory remains intertwined with macroeconomic conditions. AInvest analysts project a 100%+ surge by 2030 if institutional adoption aligns with favorable policies, but stress that short-term gains are highly dependent on near-term regulatory outcomes [7].

Source:

[1] [XRP Price Prediction After ETF Approval](https://coindoo.com/xrp-price-prediction-after-etf-approval/)

[2] [Is XRP Gearing Up for Its Biggest Breakout Yet?](https://coincentral.com/xrp-price-prediction-is-xrp-gearing-up-for-its-biggest-breakout-yet/)

[3] [XRP to $15 or Back to $2? What Could Decide Its 2025 Fate](https://cryptorank.io/news/feed/f46ed-xrp-to-15-or-back-to-2-what-could-decide-its-2025-fate)

[4] [XRP Price Prediction: Deepseek and AI Forecasts Put ...](https://disruptafrica.com/2025/07/26/xrp-price-prediction-deepseek-and-ai-forecasts-put-number-near-20-remittix-draws-analysts-eye/)

[5] [Could XRP Join the ETF Club? BlackRock Rumors Stir ...](https://bravenewcoin.com/insights/xrp-news-today-could-xrp-join-the-etf-club-blackrock-rumors-stir-xrp-bulls)

[6] [Prediction: XRP Will Soar in the Second Half of 2025](https://www.nasdaq.com/articles/prediction-xrp-will-soar-second-half-2025)

[7] [XRP Price Prediction: How Institutional Adoption and ...](https://www.ainvest.com/news/xrp-price-prediction-institutional-adoption-macroeconomic-tailwinds-drive-ripple-2030-2507/)

[8] [XRP Price Prediction: Broken Flag Pattern Targets $6.19 in ...](https://coincentral.com/xrp-price-prediction-broken-flag-pattern-targets-6-19-in-2025-ripple-momentum-looks-unstoppable/)

[9] [XRP News Today: Will SEC Vote Unlock $4 XRP Rally? ...](https://www.fxempire.com/forecasts/article/xrp-news-today-will-sec-vote-unlock-4-xrp-rally-key-catalysts-in-focus-btc-hovers-1536576)