XRP price is making big moves in 2025. The third-largest crypto is pulling attention from both regulators and whales. Analysts believe it could climb to $10 or even higher if current trends continue.
Ripple Labs, the company behind XRP, has built global partnerships that add real use to the token. Its On-Demand Liquidity service now supports banks and money firms in places like the Middle East and Latin America. These deals show how XRP is being used for fast, low-cost cross-border payments.
Regulatory clarity has also helped. US courts ruled that XRP sold on public exchanges is not a security. This opened doors for institutional investors. Reports from Bloomberg Intelligence and Polymarket suggest that the chances of a spot XRP ETF approval now sit at 85 % to 98 %. Such an approval could bring billions of new money into the market.
Whales are another force driving XRP price predictions. Large wallet holders have moved hundreds of millions of tokens into self-custody, showing faith in long-term growth. At the same time, big sell-offs have triggered sharp price drops. These whale actions, combined with breaking news, continue to make XRP highly volatile.
In July 2025, XRP touched $3.64, its highest point of the year. Analysts now see average support between $3.40 and $4.00. If momentum builds, some predict the token could reach $6 to $9 by September. In the most bullish outlook, XRP could jump between $10 and $25 before the year ends.
Still, risks remain. Competition from stablecoins, uncertain global markets, or sudden whale liquidations could push prices down. Analysts at CoinPedia and Changelly highlight a possible bearish range between $2.05 and $5.81 if conditions turn weak.
At this moment, three factors compare keeping the future of XRP: regulatory approval, whale accumulation, and adoption into payment systems. Unlike nearly all other utility tokens, XRP holds the limelight. If these banks in Ripple's circle increase, and that ETF sees daylight, the price of XRP could very well break the $10 barrier.