XRP Price Prediction: Will XRP Hit $3 Amid Institutional Frenzy?

#XRP

• Technical Breakout Potential: XRP's position relative to Bollinger Bands and positive MACD signal suggests upward momentum toward the $3.04 upper band
• Institutional Accumulation: Evernorth's treasury plans and whale activity (30M XRP in 24 hours) indicate strong institutional demand that could drive price appreciation
• Supply Dynamics: Potential acquisition of 2.5B XRP by Ripple and institutional treasury building may significantly reduce circulating supply, creating upward price pressure

XRP Price Prediction

Technical Analysis: XRP Shows Bullish Momentum

XRP is currently trading at $2.41, below its 20-day moving average of $2.57, suggesting potential resistance ahead. However, the MACD indicator shows positive momentum with a reading of 0.0576, indicating bullish crossover potential. The Bollinger Bands position XRP between $2.09 (lower) and $3.04 (upper), with the current price sitting closer to the middle band.

According to BTCC financial analyst Sophia, 'The technical setup suggests XRP has room to climb toward the upper Bollinger Band NEAR $3.04, though it may face initial resistance at the 20-day MA level.'

Institutional Demand Fuels XRP Optimism

Multiple positive developments are driving institutional interest in XRP. Evernorth Holdings' plans for a Nasdaq listing and creation of the largest institutional XRP treasury, combined with Ripple's potential acquisition of 2.5 billion XRP from co-founder Chris Larsen, could significantly reduce circulating supply.

BTCC financial analyst Sophia notes, 'The combination of institutional treasury accumulation, potential supply squeeze, and regulatory tailwinds from the Fed's proposed payment reforms creates a fundamentally bullish environment for XRP.'

Factors Influencing XRP's Price

Evernorth Holdings Targets Nasdaq Listing to Build Largest Institutional XRP Treasury

Evernorth Holdings Inc. has announced a merger with Armada Acquisition Corp II to list on Nasdaq under the ticker symbol XRPN. The move aims to raise over $1 billion, with the majority earmarked for building the world's most extensive institutional XRP treasury.

Ripple, SBI Holdings, and Pantera Capital are among the major investors backing the initiative. Evernorth plans to purchase between $800 million and $1 billion worth of XRP directly from the open market, potentially creating significant upward pressure on the token's price.

At the time of the announcement, XRP traded at $2.41, giving it a market capitalization of $145 billion. The remaining funds will be allocated to operational expenses and transaction-related costs.

XRP Price Hints at a Comeback as Analyst Eyes $3 Target

XRP shows signs of a potential resurgence, with one analyst drawing parallels to its 2017 rally. The token has rebounded from October's flash crash, now targeting the $3 mark.

Market sentiment appears bullish as technical patterns echo previous breakouts. Traders are watching for confirmation of sustained momentum.

Ripple CTO Warns of Rising Phishing Threats Targeting Hardware Wallet Users

Ripple's Chief Technology Officer David Schwartz has identified human error as the primary vulnerability in hardware wallet security. Phishing campaigns now dominate the threat landscape, with attackers deploying sophisticated fake firmware updates to harvest seed phrases.

The shift toward cold storage solutions has inadvertently redirected criminal attention. Coinbase's recent $400 million loss to social engineering attacks underscores the sector's growing pain points. Attack vectors now prioritize psychological manipulation over technical exploits.

Fraudulent communications mimic legitimate wallet providers with alarming accuracy. Urgent security alerts and fake verification requests serve as Trojan horses for private key extraction. Once compromised, these seed phrases grant unfettered access to digital asset holdings.

Ripple May Acquire Co-Founder Chris Larsen's 2.5B XRP Holdings Amid Evernorth Treasury Initiative

Ripple is reportedly considering the purchase of 2.5 billion XRP held by its co-founder, Chris Larsen. The speculation emerged from XRP Liquidity, a prominent market analyst, following Evernorth's launch of a $1 billion XRP treasury backed by major investors including Ripple and SBI Holdings.

Evernorth's initiative aims to create the largest XRP treasury in history, with Ripple committing $300 million and SBI Holdings pledging $200 million. Larsen contributed 50 million XRP, worth $120 million, to the fund. The transaction initially sparked market concerns but was later confirmed as a strategic contribution.

Market observers suggest Ripple's potential acquisition of Larsen's remaining holdings could signal broader institutional confidence in XRP. At a hypothetical $200 price per token, Larsen's 2.5 billion XRP would be valued at $500 billion—a scenario that would likely prompt significant market repositioning.

Ripple CTO Joins Evernorth, Boosting XRP's Nasdaq Ambitions

Ripple's XRP token gained momentum as Chief Technology Officer David Schwartz announced his advisory role with Evernorth, a regulated investment vehicle targeting XRP opportunities. The move coincides with Evernorth's planned Nasdaq listing via merger, potentially creating the largest public XRP treasury with over $1 billion in raised capital.

Market sentiment improved immediately, with XRP climbing toward $2.40 after months of sideways trading. The development marks a strategic pivot toward institutional adoption, addressing longstanding regulatory hesitancy surrounding the token.

Institutional Demand Threatens XRP Liquidity as Supply Squeeze Looms

Ripple's XRP faces a potential supply crunch as institutional players accumulate the token for long-term strategic holdings. Nearly 60 billion XRP currently circulates from its 100 billion max supply, but treasury acquisitions and custody movements suggest shrinking market availability.

The $1 billion GTreasury acquisition enables corporate usage of XRP for cash management, while investment funds actively raise capital to stockpile the asset. On-chain data reveals accelerating transfers to institutional wallets, creating friction between circulating supply and locked reserves.

Market capitalization projections between $145-$150 billion could face upward pressure if this accumulation trend continues. Unlike meme coins that thrive on volatility, XRP's utility-driven scarcity mirrors Bitcoin's early institutional adoption phase.

Could Central Banks Quietly Be Testing XRP For Settlement?

Central banks in Bhutan and Palau have partnered with Ripple to explore CBDC development, though neither has confirmed using the XRP token for live cross-border settlements. Pilot programs in Europe and Asia focus on private networks, leaving the public XRP Ledger untested for now.

The absence of public evidence suggests caution. While Ripple's technology is being evaluated for speed and cost efficiency, central banks appear to prefer controlled environments over open blockchain integration.

Fed's 'Skinny Master Account' Proposal Could Benefit Ripple's RLUSD and XRP

The U.S. Federal Reserve's proposed 'skinny master account' may pave the way for fintech firms like Ripple to directly access national payment systems. This development could integrate RLUSD and XRP liquidity into U.S. financial networks without intermediary banks, marking a significant shift in blockchain-based financial infrastructure.

Ripple's earlier application for a Fed master account aligns with this initiative. The company's RLUSD stablecoin, nearing a $1 billion market cap, stands to gain from enhanced institutional adoption. Meanwhile, Ripple's acquisition of GTreasury signals its ambition to expand blockchain solutions in corporate finance.

Fed Governor Chris Waller emphasized the proposal's focus on maintaining oversight while fostering competition. The limited-access accounts would enable real-time payments through Fed infrastructure, though without lending or interest services.

Ripple Price Prediction As Whales Accumulate 30 Million XRP in 24 Hours

XRP surged above $2.50, marking a 2% daily gain as on-chain data revealed whales accumulated over 30 million tokens. The move signals growing confidence among large holders, often a precursor to sustained bullish momentum.

Technical indicators paint a mixed picture. Weekly charts suggest consolidation near $2.30-$2.40, while shorter timeframes show bullish divergence. The $2.60 resistance level remains key—a breakout could trigger further upside.

Ripple's expanding institutional footprint through strategic acquisitions and partnerships adds fundamental support. The GTreasury deal and payment provider collaborations position XRP for increased adoption in global finance corridors.

Fed’s Proposed ‘Skinny Master Account’ Could Reshape Crypto Payments Landscape, Spotlight on Ripple

Federal Reserve Governor Chris Waller unveiled a groundbreaking proposal for a "limited-access" master account during the Payments Innovation Conference on October 21, 2025. This "skinny" account would grant eligible institutions—including crypto payment firms and stablecoin issuers—direct access to Fed payment rails, bypassing traditional banking intermediaries.

The move addresses a long-standing hurdle for digital asset companies like Custodia Bank, Kraken, and Circle, which have faced operational challenges due to restricted banking access. While skinny accounts wouldn’t permit borrowing from the Fed or interest-earning capabilities, they promise faster, cheaper transactions—a potential game-changer for payment-focused cryptocurrencies such as XRP.

Market observers suggest Ripple could emerge as a primary beneficiary given its existing cross-border payment infrastructure. The proposal signals growing institutional recognition of crypto’s role in modern finance, though final implementation details remain pending.

Ripple CTO Clarifies Advisory Role in Evernorth's XRP Treasury Venture

David Schwartz, Ripple's Chief Technology Officer, has dispelled speculation about his involvement with Evernorth, a new venture aiming to establish a $1 billion XRP treasury through a Nasdaq listing. Schwartz confirmed he will serve only as a short-term advisor, with no commitments extending beyond 2025. "I'm not engaging in full-time work with the firm," he stated, emphasizing his continued role on Ripple's board of directors.

The clarification follows Evernorth's public announcement, which had initially suggested deeper involvement from the Ripple executive. Schwartz had previously signaled plans to reduce professional responsibilities after stepping back from his CTO position. The XRP community reacted with surprise to his name being linked to the new project, highlighting the sensitivity around high-profile figures in cryptocurrency ventures.

Evernorth's ambitious fundraising target underscores growing institutional interest in XRP-based financial products. The planned Nasdaq listing represents a significant milestone for cryptocurrency ventures seeking traditional market validation. Schwartz's limited advisory role maintains his connection to the project while preserving his broader commitments to Ripple's ecosystem.

Will XRP Price Hit 3?

Based on current technical indicators and market developments, XRP shows strong potential to reach $3 in the near term. The technical analysis reveals that XRP's upper Bollinger Band sits at $3.04, providing a clear technical target. Meanwhile, fundamental factors including institutional accumulation and potential supply reduction create favorable conditions for price appreciation.

BTCC financial analyst Sophia concludes, 'The convergence of technical breakout potential and strong institutional fundamentals makes the $3 target achievable, though traders should monitor the $2.57 resistance level closely.'