XRP Price Prediction: Navigating Between Whale Sell-Offs and Bullish Infrastructure Growth

#XRP

• Technical Crossroads: XRP trades below key moving averages but maintains bullish MACD momentum
• Whale vs. Institutional: Large sell-offs contrast with growing institutional interest via ETF filings
• Infrastructure Growth: Ripple's loyalty points initiative could unlock $100B in value long-term

XRP Price Prediction

XRP Technical Analysis: Key Levels to Watch

XRP is currently trading at 2.276 USDT, below its 20-day moving average of 2.4326, indicating short-term bearish pressure. The MACD shows a positive histogram (0.0520), but with the signal line at 0.0113, momentum appears weak. Bollinger Bands suggest a range between 2.1602 (lower band) and 2.7049 (upper band), with the middle band acting as resistance at 2.4326.

BTCC analyst John notes: 'XRP needs to reclaim the 20-day MA to neutralize the downtrend. A close above 2.7049 could signal bullish reversal potential.'

Mixed Sentiment Surrounds XRP Amid Whale Activity and ETF Speculation

The XRP market shows conflicting signals with whale sell-offs (500k tokens moved) offset by bullish infrastructure developments and Leveraged ETF filings. BTCC's John observes: 'While Ripple's strategic pivot strengthens its long-term case, short-term technicals and whale activity create headwinds. The 200-day MA remains critical for trend confirmation.'

Key developments include Volatility Shares' 5x leveraged XRP ETF filing and Ripple's $100B loyalty points initiative, which may provide fundamental support.

Factors Influencing XRP's Price

Ripple's Strategic Pivot: Avoiding Wall Street While Cementing Crypto Infrastructure Status

Ripple Labs closed its protracted legal battle with the SEC in August 2025, paying a $125 million penalty but securing regulatory clarity that Judge Analisa Torres had foreshadowed in her 2023 ruling. The decision confirmed XRP's non-security status for programmatic sales while acknowledging securities law violations in $728 million of institutional transactions.

Rather than pursuing an expected IPO, Ripple charted an unconventional path. The company raised $500 million at a $40 billion valuation from Fortress Investment Group and Citadel Securities, executed a $1 billion tender offer, acquired a prime brokerage for $1.25 billion, launched a stablecoin, and applied for a national bank charter. These moves demonstrate Ripple's commitment to building financial infrastructure outside traditional capital markets.

The strategy reflects a calculated sidestep of Wall Street's spotlight while achieving comparable scale. With the existential threat of securities classification resolved, Ripple is deploying capital to cement its position as a regulated bridge between crypto and traditional finance.

Best Crypto Presale: Digitap ($TAP) vs. Remittix ($RTX) – Which is the Real “Ripple 2.0”?

The competition for dominance in cross-border payments intensifies as stablecoin integration reshapes the market. Digitap ($TAP) and Remittix ($RTX) emerge as frontrunners vying for the 'Ripple 2.0' mantle, both offering working rails for digital dollar distribution. The winner will likely be the project that combines cost-effective transfers, near-instant settlement, and bank-grade user experience with tangible token utility.

Remittix distinguishes itself with a crypto-to-fiat bridge supporting 30+ currencies, while Digitap's value proposition remains undisclosed. The race hinges on which protocol can most effectively capture the flow of stablecoins as they become the default settlement layer for global payments.

XRP Faces Downside Risk As Whales Sell 500,000 Tokens in 48 Hours

XRP has tumbled nearly 10% this week amid renewed selling pressure, with large holders offloading half a million tokens in just two days. The cryptocurrency now hovers at $2.28, testing critical support at $2.13—a level that could determine whether the slide extends toward $1.50.

Technical indicators paint a bearish short-term picture. Bollinger Band analysis shows XRP trading below the midline at $2.81, with volatility expanding as the bands widen. Market participants await either a breakdown from current levels or a rebound that could signal temporary relief.

The 20-week and 50-week moving averages loom as potential inflection points. While whale activity suggests distribution, the market's ability to hold key levels may dictate whether this proves to be a healthy correction or the start of deeper losses.

XRP Faces Critical Resistance at 200-Day Moving Average Amid ETF Speculation

XRP's price action remains constrained below the 200-day moving average near $2.72, a technical level that has historically capped upward momentum. The cryptocurrency finds temporary support at $2, a psychological and structural floor tested during recent market volatility.

Market participants await potential catalysts from SEC decisions on spot XRP ETFs, which could break the current stalemate. The daily chart shows a bearish retest pattern forming as buyers fail to sustain momentum above key resistance levels.

TradingView data reveals diminishing volume during recovery attempts, suggesting weakening conviction among bulls. A decisive close above $2.72 could invalidate the bearish setup, while rejection may prompt a retest of $2 support.

XRP Treasury Company Aims to Unlock $100B in Trapped Loyalty Points

Webus International, a Nasdaq-listed treasury firm focused on XRP, is targeting the $100 billion in unredeemed loyalty points trapped in fragmented travel reward systems. The Singapore-based company plans to launch a tokenized exchange powered by XRP's stablecoin infrastructure, enabling real-time redemption across brands.

Hatem Kemali of Resal notes that traditional loyalty programs suffer from opaque accounting and limited usability. 'Consumers now expect to use points like currency, not just for discounts,' he said. Webus' platform replaces legacy ledgers with blockchain settlement, converting stagnant points into liquid value.

Tundra’s Polar Presale Sets New Standard for Transparency in Crypto Offerings

XRP Tundra is redefining presale integrity with an architecture of radical transparency. The dual-token project publishes all contracts, audits, and pricing structures upfront—a stark contrast to the opaque adjustments common in presale markets. Current Phase 6 offers TUNDRA-S at $0.1 and TUNDRA-X at $0.05, with verifiable exchange listing prices locked at $2.5 and $1.25 respectively.

The mechanical progression system eliminates arbitrary changes, with Phase 7's minor price increases already documented. This creates a rare calculable risk profile: the 2,400% theoretical upside derives from immutable smart contracts rather than speculative roadmaps. Cross-chain functionality and a reward LAYER mechanism aim to sustain engagement between funding rounds.

Volatility Shares Files for 5x Leveraged XRP ETF

Volatility Shares has submitted a filing to the U.S. SEC for a 5x leveraged XRP ETF, marking one of the most aggressive crypto investment products to date. The fund aims to amplify XRP's daily price movements fivefold, offering outsized gains—or losses—for traders willing to stomach extreme volatility.

The proposal extends beyond crypto, including 5x leveraged ETFs tied to traditional finance giants like Alphabet and MicroStrategy. Analysts warn the product carries unprecedented risk, as daily resets and leverage decay could erode returns over time. Retail investors are advised to approach with caution.

XRP's existing volatility—coupled with 5x leverage—creates a speculative instrument squarely targeting short-term traders. The move signals growing institutional appetite for high-risk crypto derivatives, despite regulatory uncertainties.

XRP Price Faces 25% Downside Risk Amid Bearish Technicals and Whale Selloffs

XRP has confirmed a descending triangle pattern on daily charts, signaling potential for further downside. The token now risks a 25% decline from current levels as macroeconomic headwinds and institutional selling pressure mount.

Whale wallets have been actively offloading holdings, exacerbating the 12% weekly price drop. Market sentiment remains fragile with the crypto Fear and Greed Index reflecting growing anxiety among traders.

Broader risk-off sentiment stems from unresolved US-China trade tensions and anticipation around Federal Reserve policy signals. Regulatory delays for spot XRP ETFs in the US market have further dampened investor enthusiasm.

XRP Price Headed to Potentially Bullish Monthly Close

XRP's price action in October 2025 has drawn comparisons to its historic 2017 rally, with analysts noting a critical monthly candle formation. The cryptocurrency formed its second-longest capitulation wick on record, holding support near $2.70-$2.80 despite $50M+ whale outflows.

After dipping to $2.39 earlier in the day—marking a 21.74% monthly decline—XRP rebounded 8.8% to trade at $2.50. Analyst JD highlighted the significance of the monthly candle's lower wick, suggesting a higher close could surpass 2017's pre-bull market pattern.

The current technical setup mirrors 2017's consolidation phase, where a prolonged descending triangle gave way to a breakout toward $3.41. Egrag Crypto noted October's historical bullish tendency for XRP, as the asset tests key resistance levels after years of base-building.

How High Will XRP Price Go?

XRP faces a pivotal moment with conflicting technical and fundamental signals:

John from BTCC suggests: 'In the near-term, XRP could test 2.16 support. A breakout above 2.7049 with ETF confirmation might target 3.50, but failure to hold 2.16 risks 25% drop to 1.70.'

XRP's price trajectory hinges on overcoming immediate resistance at 2.7049 while avoiding breakdown below 2.16, with potential for 25% moves in either direction.