XRP Price Prediction: Franklin Templeton Exec Declares XRP Key to Cross-Border Payments – Is a $3 Breakout Imminent?

A major asset manager just put XRP squarely in the crosshairs of global finance.

The Institutional Stamp

Forget niche crypto chatter—this endorsement comes from the trillion-dollar corridors of Franklin Templeton. Their executives aren't tweeting moonshots; they're mapping real-world utility. The thesis is clear: legacy cross-border payment rails are slow, expensive, and ripe for disruption. XRP, with its settled legal clarity and purpose-built ledger, is positioned as the scalpel for the job.

Beyond the Hype Cycle

This isn't about retail FOMO. It's about efficiency. Banks and payment providers drowning in nostro/vostro account costs see a potential lifeline. The technology promises to slash settlement times from days to seconds and cut fees to fractions of a cent—a compelling pitch in any boardroom, even those still skeptical of 'internet money.'

The $3 Question

Market sentiment, now buoyed by institutional validation, is testing key resistance levels. Technical analysts are watching the charts, but the real fuel for a sustained breakout won't come from day traders. It'll come from signed contracts and volume flowing through RippleNet and its competitors. Every pilot program that goes live adds another brick to the foundation.

The Finance Jab

Of course, Wall Street loves a narrative it can sell—first it was 'digital gold,' now it's 'payment rail revolution.' The irony is thick enough to cut with a knife: the same institutions that once dismissed crypto are now positioning themselves to profit from its most bureaucratic applications.

The path to $3 looks less like a speculative frenzy and more like a grinding, utility-driven climb. The tools are ready. The pain point is obvious. The only thing left is for the old world to admit the new one works better.

Franklin Templeton’s Growing Integration With XRP Ecosystem

This is not the first time Franklin Templeton has acknowledged the role XRP plays as a blockchain rail for traditional finance.

In September, Singapore’s DBS Bank signed an MOU with Franklin Templeton and Ripple to list tokenized money market funds on DBS Digital Exchange.

The partnership provided accredited and institutional investors with trading and lending solutions by leveraging tokenized money market funds on the XRP Ledger blockchain and Ripple’s RLUSD stablecoin.

Analysts say this cohesion with traditional rails has increased the appeal of XRP and should soon reflect in the asset’s price.

Since mid-October, when the XRP ETFs launched, the vehicles have seen $1.07 billion of inflows,according to James Butterfill, head of research at CoinShares.

Specific vehicle data reflects that Franklin Templeton’s recently launched XRP fund alone captured $28.6 million of weekly volume.

The capital flight from Bitcoin ($2.8B outflows since mid-October) coincides directly with the launch of spot XRP ETFs, showing institutions are reallocating risk budgets toward assets with fresh regulatory “wrappers” and lower saturation.

If this continues, XRP can push to break the $3 resistance level and aim for new highs.

XRP Price Prediction: Descending Trendline Breakout Could Target $3.50

On the technical front, the weekly XRP/USDT chart shows a market correcting after an aggressive impulse move from the November 2024 bottom NEAR $0.50, which marked a clear long-term trend reversal.

That rally carried XRP to the July high around $3.50, completing a near-600% advance before momentum began fading. Since then, price action has shifted into a controlled downtrend, defined by a descending trendline now acting as dynamic resistance.

At present, XRP is trading around $1.83, sitting well above the former macro base but below key overhead levels.

The most important zone to watch is the $3.00–$3.05 area, which stands out as critical resistance.

A decisive weekly close above this region WOULD confirm a trendline breakout and open the path toward the July high near $3.50, which also aligns with projected 2026 upside targets.

The weekly RSI has cooled into the low-to-mid 40s, reflecting the ongoing corrective phase rather than outright bearish dominance.

From a directional standpoint, the chart favors a consolidation-to-reversal scenario rather than a DEEP retracement, as long as XRP holds above the mid-$1.50 region.

Pepenode Presale Positions for XRP-induced Rally

If XRP finally breaks the $3 resistance and starts trending upward again, meme coins like Pepenode (PEPENODE) could see significant gains.

Pepenode is a crypto project that’s raised neaarly $2.5 million despite challenging market conditions.

The browser-based game allows users to “mine” coins without expensive equipment by setting up VIRTUAL mining nodes and upgrading facilities to earn tokens.

The project aims to replicate PEPE’s success, which surged over 1,000X during XRP’s 400% rally between November 2024 and July 2025.

To join the presale atper token, visit the official Pepenode website and connect a wallet like Best Wallet.

You can pay with crypto coins like ETH, BNB, or USDT, or use a regular credit or debit card.