XRP Surges 2.9% as Trump Advocates for Crypto-Based Financial Upgrade

XRP's latest price was $2.95, up 2.905% in the last 24 hours. XRP, developed by Ripple, has been a prominent digital asset designed to streamline international payments at lower costs and with faster settlement than traditional channels. For decades, major banks have resisted the rise of digital assets that compete directly with their services. However, recent political commentary suggests that momentum is shifting in favor of modernizing financial rails. President Donald Trump recently criticized the outdated infrastructure underpinning the U.S. financial system, describing it as several decades behind current technology. He advocated for an upgrade built on “crypto technology” to prepare the United States for a 21st-century economy. Although he did not reference Ripple by name, his remarks align closely with what Ripple has developed. The XRP Ledger is specifically designed to enable fast, inexpensive international transfers, addressing exactly the shortcomings that Trump highlighted. Analysts note that Trump’s comments underscore a broader recognition among policymakers that legacy systems no longer meet modern demands.

At the center of this discussion is SWIFT, the dominant international payments messaging system. Despite its long-standing role, critics argue that it is slow, expensive, and unsuitable for the digital era. BlackRock CEO Larry Fink even likened reliance on SWIFT to relying on outdated communications methods, emphasizing the need for alternatives. Ripple’s system provides a clear contrast. By using the XRP Ledger, institutions can complete cross-border settlements within seconds, eliminating the reliance on intermediary banks. If widely adopted, this model could offer the liquidity and scalability necessary to challenge SWIFT’s dominance and transform global finance.

While Bitcoin was created as a decentralized form of money, Ripple’s purpose has always been narrowly defined: to improve the efficiency of cross-border payments. This mission places it in direct competition with banks, which profit from the fees and delays inherent in the existing system. Rupert cautioned that while price predictions for XRP often generate skepticism, the true impact of Ripple’s network is still unknown. The scale of adoption will ultimately determine how disruptive the technology becomes. What is clear, however, is that Ripple represents one of the most credible challenges yet to traditional banking infrastructure. The global financial system is under increasing pressure to modernize. While banks have resisted blockchain technology for years, recent political support for crypto-based solutions highlights a shift in direction. Ripple’s technology fits squarely into this conversation, offering the speed, efficiency, and scalability that leaders like Trump are now demanding.

XRP has been a subject of significant market speculation, particularly regarding the potential approval of a spot XRP ETF. Traders are asking whether an approval could unlock a fast rerate—and how to position ahead of it. The live XRP price hovers around $2.9–$3.0 today, with deep 24-hour liquidity. Near term, a widely shared community post maps support at $2.80–$2.85 and resistance in the $3.40–$3.60 band—confirmation above that zone is what momentum desks want to see. On the XRP Price Prediction front, several analysts explicitly tie the next leg to a spot XRP ETF. Coverage this month collected forecasts in the $10–$20 neighborhood if an ETF goes live and flows arrive on cue, with some upside cases stretching higher on stronger inflows. Separate roundups echoed similar math, noting that prediction-market odds for an XRP ETF have risen, which is why these targets keep surfacing. Treat them as contingent—approval and early inflows would need to show up in the tape. Community technicians are saying hold $2.80–$2.85, push for $3.40–$3.60 to confirm trend continuation. ETF-driven scenarios, base cases coalesce around $10–$20 after launch, with higher tails if net inflows beat expectations. Academy/press roundups suggest broader ranges of $10–$50 appear in ETF scenarios, underscoring how much hinges on approvals and capital coming in.

Now here’s where things get interesting. BlackRock already leads the ETF game with Bitcoin and Ethereum products. If they were to file for an XRP ETF, it would send shockwaves through the market. Even just the filing would probably light a fire under XRP. Traders front-running institutional demand could push the XRP price to $4–$5 pretty quickly. If the ETF gets approved, that’s a whole different ballgame. Institutional investors who’ve been waiting on the sidelines, pension funds, wealth managers, and traditional allocators would finally have a regulated way to buy XRP. That kind of capital could easily drive XRP price back toward $7–$10, maybe even challenge the old highs near $10. And what about in the ultra-bull scenario? $15 to $20 valuation range in the ensuing bull cycle. Such an expansion would set XRP on the level of a trillion-dollar market cap, putting it alongside Bitcoin and Ethereum in the crypto stratosphere’s high-end bracket. For now, the XRP price is stuck between whale sell pressure and regulatory delays. But if BlackRock ever steps into the picture, the story changes instantly. A simple filing could pump the price, while full approval would open the floodgates for institutional money. Today’s price action at $2.92 feels like a small dip. But zoom out, and the “BlackRock scenario” could make XRP one of the most explosive assets of the next few years.

Recent developments surrounding the XRP ecosystem highlight several key areas of focus for the digital asset. Analysts emphasize the potential significance of a monthly close above the $3.30 threshold, suggesting it could signal bullish momentum necessary for future growth. This benchmark is considered crucial for sparking the next phase of the asset's market activity. Furthermore, increased demand for XRP has been noted by industry executives, underscoring a growing institutional or retail interest in the token.

Regulatory clarity continues to be a significant driver for XRP. Developments on this front, coupled with ongoing network upgrades, are seen as fundamental factors bolstering its potential for wider adoption. This progress contributes to the positive market sentiment surrounding its utility and long-term viability within the cryptocurrency landscape. Concurrently, the potential launch of a spot exchange-traded fund (ETF) focused on XRP has captured analyst attention, with projections suggesting such a development could significantly impact the asset's trajectory.

Adding to the conversation around adoption, Gemini, a prominent U.S.-based cryptocurrency exchange, has recently hinted at upcoming developments specifically concerning XRP, indicating potential new integrations or services related to the token on its platform. While details remain unconfirmed, this signals continued interest from major exchanges. Furthermore, the broader application of XRP technology is expanding, with associated projects exploring integrations aimed at improving transaction efficiency and accessibility.

Algorithmic models analyzing market data propose specific valuation ranges for XRP based on historical patterns and current sentiment. These models, while acknowledging inherent market volatility and the influence of external factors like regulation and macroeconomic shifts, offer data-driven perspectives on potential future valuations. Predictions derived from this analysis suggest possible price levels for XRP by the end of the current summer season, factoring in its ongoing regulatory journey and network developments.

Overall, the narrative surrounding XRP currently emphasizes critical technical thresholds for signaling market confidence, its evolving regulatory standing, the anticipation surrounding a potential ETF launch, interest from significant market players like exchanges, technological advancements within its ecosystem, and analytical forecasts. These combined elements paint a picture of an asset navigating a complex landscape with several potential catalysts for future activity.