XRP Price Prediction: Will XRP Hit $3 Amid Technical Consolidation and Strong Fundamentals?

#XRP

• Technical indicators show XRP in consolidation with key support at $2.22 and resistance at $2.69
• Strong fundamental developments including Mastercard partnership and regulatory recognition in India
• Potential BlackRock ETF speculation and institutional adoption could drive price toward $3 target

XRP Price Prediction

XRP Technical Analysis Shows Consolidation Phase

XRP is currently trading at $2.3059, below its 20-day moving average of $2.4556, indicating short-term bearish pressure. The MACD reading of -0.0376 suggests weakening momentum, though the histogram shows some stabilization. The price sits NEAR the lower Bollinger Band at $2.2192, which may act as support, while the upper band at $2.6920 presents resistance. According to BTCC financial analyst Sophia, 'The technical indicators point to a consolidation phase, with key support at $2.22 and resistance at $2.69. A break above the 20-day MA could signal renewed bullish momentum.'

Positive Fundamentals Support XRP Long-Term Growth

Recent developments including Ripple's partnerships with Mastercard and Gemini for stablecoin integration, strategic acquisition of Palisade, and ongoing speculation about a BlackRock XRP ETF create strong fundamental support. The landmark ruling in India recognizing XRP as property adds regulatory clarity. BTCC financial analyst Sophia notes, 'While technicals show short-term consolidation, the fundamental landscape remains robust with institutional partnerships and regulatory milestones that could drive long-term value appreciation.'

Factors Influencing XRP's Price

Ripple CEO Clarifies XRP's Central Role Amid RLUSD Stablecoin Launch

Ripple CEO Brad Garlinghouse has forcefully dismissed speculation that the company's new dollar-pegged stablecoin, RLUSD, diminishes XRP's strategic importance. In a November 5 interview with crypto reporter Eleanor Terrett, Garlinghouse characterized social media debates about XRP's displacement as rooted in misinformation, declaring the digital asset remains foundational to Ripple's operations.

The executive framed Ripple's payment routing as pragmatically multi-asset, with XRP serving as the backbone alongside newer offerings like RLUSD. "We want to deliver the best possible product at the best price," Garlinghouse noted, emphasizing corridor-specific factors—liquidity depth, cost efficiency, and reliability—determine whether transactions settle via XRP or stablecoins.

Ripple CEO Brad Garlinghouse Praised as 'Best in Crypto' Amid XRP and RLUSD Growth

John Deaton, a prominent lawyer and XRP advocate, has crowned Ripple CEO Brad Garlinghouse as the "best CEO in crypto" following the company's recent valuation surge to $40 billion. Deaton's endorsement comes after Ripple secured a $500 million investment from Citadel Securities and Fortress Investment Group, validating his long-standing support during the firm's legal battles with the SEC.

Ripple's valuation milestone was further underscored by a $1 billion tender offer earlier this year, executed at the same valuation. The San Francisco-based blockchain firm has also expanded aggressively, acquiring Hidden Road for $1.25 billion and payments platform Rail for $200 million to bolster its VIRTUAL account and backend automation capabilities.

Garlinghouse's leadership has positioned Ripple as a dominant force in cross-border settlements and stablecoin innovation, with XRP and the newly launched RLUSD gaining traction. Deaton's assertion—"not done yet"—hints at further strategic moves ahead.

BlackRock XRP ETF Speculation Fuels Institutional Adoption Talks

Market speculation surged following remarks by BlackRock's Director of Digital Assets Maxwell Stein at Ripple's Swell conference, where he hinted at institutional blockchain adoption. A potential XRP ETF could serve as a watershed moment for regulatory recognition and capital inflows.

Stein's comments on real-world asset tokenization align with Nasdaq CEO Adena Friedman's observations of banks already experimenting with blockchain infrastructure. The crypto community interprets these developments as precursors to trillions in institutional capital migrating on-chain.

Ripple, Mastercard, Gemini Partner on Stablecoin Deal to Transform Payments

Ripple has forged a strategic alliance with Mastercard and Gemini to leverage its RLUSD stablecoin for credit card transactions and settlements on the XRP Ledger. Announced at Ripple Swell 2025 in New York, the partnership aims to streamline payment processing, reduce friction, and demonstrate the viability of regulated stablecoins in traditional finance.

The collaboration will initially focus on integrating RLUSD into Mastercard and WebBank's settlement systems, pending regulatory approvals. Ripple President Monica Long emphasized the potential for blockchain-based settlements to enhance efficiency while maintaining compliance standards.

Ripple Acquires Palisade in Strategic Move to Bolster Payments Infrastructure

Ripple continues its aggressive expansion in the global payments sector with the acquisition of Palisade, a digital asset custody infrastructure provider. This marks Ripple's fourth acquisition in recent months, signaling heightened competition with SWIFT, the incumbent messaging network for cross-border transactions.

The deal integrates Palisade's wallet-as-a-service technology into Ripple's ecosystem, enhancing its custody and payment infrastructure. Ripple emphasizes the acquisition's role in advancing institutional-grade digital asset solutions, particularly for corporate payments and value transfer across its network.

Market observers view the MOVE as bullish for XRP, underscoring Ripple's commitment to building what it terms the 'Internet of Value.' The strategic focus on secure custody infrastructure reflects broader industry trends toward institutional adoption of blockchain-based financial systems.

Ripple Rules Out IPO Plans Despite Crypto Industry's Public Listing Trend

Ripple President Monica Long has definitively shelved IPO ambitions during the company's Swell conference in New York. "We do not have an IPO timeline. No plan, no timeline," Long told Bloomberg, contrasting with peers like Circle, Gemini, and Kraken who've either gone public or are preparing listings.

The blockchain payments firm instead revealed a $500 million funding round at a $40 billion valuation, attracting heavyweights including Citadel Securities and Galaxy Digital. This war chest enables Ripple to bypass public markets while expanding its product suite and customer base, which reportedly doubled last quarter.

"We're in a fortunate position where we've been able to fund all growth organically," Long noted, though 2024 revenue figures remain undisclosed. The development underscores how well-capitalized crypto natives are rewriting traditional fintech playbooks.

US Banks Push Back Against Crypto Firms Seeking Trust Charters

Major banking associations are escalating their opposition to cryptocurrency companies pursuing federal trust charters, arguing such moves threaten the stability of the traditional financial system. The Bank Policy Institute and Independent Community Bankers of America have formally urged the Office of the Comptroller of the Currency to reject Coinbase's application, with similar objections raised against Ripple, Circle, and Paxos.

At stake is more than regulatory paperwork—these charters WOULD grant crypto platforms federal recognition while potentially allowing them to operate under different rules than conventional banks. Traditional lenders view this as an existential challenge, fearing crypto firms want the prestige of banking status without corresponding oversight.

Comptroller Jonathan Gould appears unmoved by the backlash. During recent remarks at the Clearing House conference, he suggested trust charters actually enhance the OCC's ability to supervise crypto activities. The standoff reflects broader tensions as digital asset companies seek legitimacy within the US financial infrastructure.

XRP Price Prediction: Landmark Ruling in India Says XRP Is ‘Property’ – Could This Unlock Global Legal Recognition?

India's Madras High Court has delivered a groundbreaking ruling, declaring cryptocurrencies as 'property capable of being possessed and held in trust.' The decision came in response to a lawsuit filed by Rhutikumari against WazirX, after the exchange froze her account holding 3,532.30 XRP worth approximately $9,400. The court sided with Rhutikumari, barring WazirX from accessing her XRP and mandating a bank guarantee of $11,500 pending further proceedings.

The case stems from WazirX's controversial 'socialization of losses' plan, implemented after a $235 million hack in July 2024. The ruling solidifies legal protections for crypto holders in India, equating digital assets with traditional property under the law. This precedent could pave the way for broader global recognition of cryptocurrencies as legitimate assets.

Ripple Partners with Mastercard and WebBank to Test RLUSD Stablecoin for Card Payments

Ripple is collaborating with Mastercard, WebBank, and Gemini to pilot the use of its RLUSD stablecoin for settling fiat credit card transactions on the XRP Ledger (XRPL). The initiative marks a significant step toward integrating blockchain-based settlements into mainstream financial systems.

The partnership will focus on processing payments for the Gemini XRP Credit Card, leveraging XRPL's infrastructure for on-chain settlement between Mastercard and WebBank. Sherri Haymond, Mastercard's Global Head of Digital Commercialization, emphasized the goal of bringing regulated stablecoin payments into the financial mainstream through this collaboration.

Mastercard views stablecoins like RLUSD as a secure, compliant settlement layer. The test could set a precedent for institutional adoption of blockchain technology in traditional payment networks.

Will XRP Price Hit 3?

Based on current technical and fundamental analysis, XRP faces both opportunities and challenges in reaching $3. The price would need to overcome several resistance levels and benefit from continued positive developments.

BTCC financial analyst Sophia comments: 'While $3 represents a significant 30% increase from current levels, the combination of strong partnerships, regulatory clarity, and potential ETF speculation provides a plausible path. However, technical indicators suggest this may require several weeks of consolidation and breakout above key resistance levels.'