XRP Price Prediction: Can Ripple Break $2.60 as ETF Hype & Monad Momentum Rise?

After months of consolidation, Ripple’s XRP is now testing the critical resistance zone around $2.60. Check the XRP price prediction in this full article!

The broader crypto market has shown signs of optimism as liquidity returns following a volatile quarter. Bitcoin’s recovery above $70,000 has reignited speculative interest across major altcoins, while Ripple’s ongoing progress with its On-Demand Liquidity (ODL) network continues to build real-world utility. 

Still, XRP’s battle with resistance levels remains crucial, especially as traders weigh the potential impact of ETF-related inflows and shifting capital flows into emerging tokens like Monad (MON) and AlphaPepe (ALP).

XRP Price Analysis

At the time of writing, Ripple (XRP) trades near $2.50, recovering slightly from a recent dip to $2.35. This level marks a zone of short-term equilibrium after a heavy selloff earlier in October when large whale addresses reportedly transferred billions in XRP to exchanges. 

Despite the correction, XRP’s market structure remains relatively intact, showing strong accumulation near its 200-day moving average.

Over the past year, XRP has been one of the few major cryptocurrencies to maintain institutional relevance. The resolution of its long-standing legal battle with the SEC has boosted investor confidence, while Ripple’s expanding network of over 300 financial institutions reinforces its real-world use case. 

Yet, with the price still below $3.00, XRP must prove its ability to sustain upward momentum amid volatile market cycles.

Analysts remain divided. Some see potential for XRP to reclaim the $3.00 mark before the year ends, while others caution that heavy profit-taking and uncertain macroeconomic trends could limit gains. 

The current setup suggests that traders are watching for confirmation above $2.70 to validate a bullish reversal.

Read also: XRP Price Prediction: Can XRP Hit $5 Ahead of the Ripple Swell 2025?

Technical Structure Points to Critical Resistance Levels

Technically, XRP faces two key resistance zones, $2.60 and $2.80. The $2.60 mark has historically acted as a psychological barrier where traders tend to take profits. 

A clean daily close above this level could trigger renewed momentum, attracting algorithmic buyers and momentum traders aiming for the next range between $3.25 and $3.60.

The $2.80 to $3.00 range represents an even stronger resistance cluster defined by the convergence of the 50-day and 200-day moving averages. If XRP closes above these averages, analysts say it would indicate the start of a sustained bullish phase. 

Fibonacci projections identify potential mid-term targets at $3.65, $4.50, and even $5.50 if ETF optimism and institutional inflows continue.

On the downside, failure to defend the $2.35 support may expose XRP to deeper retracements toward $2.05 or even $1.40. However, long-term chart structures still hint at a descending broadening wedge pattern, a formation that typically precedes large bullish reversals. 

Historical probabilities suggest a 57% chance of a breakout toward $9.50 in the next major market cycle.

Read also: XRP Price Crash Alert: Whale Moves & 200-Day Rejection Signal Trouble Ahead!

Factors That Could Affect the XRP Price

1. ETF Speculation and Institutional Demand

The most discussed driver behind XRP’s recent recovery is the speculation around a potential XRP exchange-traded fund (ETF). 

Similar to how Bitcoin and Ethereum ETFs reshaped institutional participation, an XRP ETF could attract traditional finance capital and strengthen liquidity. Analysts from several firms believe ETF approval could push XRP toward $5.50 in the medium term.

2. Whale Movements and Market Psychology

Large holders continue to play a critical role in XRP’s short-term price action. Recent on-chain data shows heavy profit-taking after rallies above $3.00, but also accumulation at lower levels. 

As whale inflows slow down, exchange supply is declining, a signal often followed by gradual price recoveries.

3. Macroeconomic Conditions

The Federal Reserve’s recent interest rate cuts have provided a more supportive backdrop for risk assets. 

Historically, each 25-basis-point cut has led to a 6 to 10% rise in major cryptocurrencies within a month. A weaker dollar and improved liquidity could offer structural support for XRP and similar assets.

4. Competition from Emerging Networks

Meanwhile, Monad’s ecosystem expansion and its recent MON airdrop have introduced new competition in the blockchain infrastructure space. 

Projects like Monad and AlphaPepe are drawing attention from retail investors, yet Ripple’s established network and regulatory clarity keep it firmly positioned in institutional corridors.

5. Ripple’s Real-World Adoption

Ripple’s payment technology continues to expand across over 40 markets, particularly in Asia and the Middle East. Its On-Demand Liquidity (ODL) system provides a strong foundation for XRP’s value proposition, making it one of the few crypto assets with clear real-world use cases.

Read also: Ripple Launches $200K XRPL Attackathon to Strengthen Blockchain Security

XRP Price Prediction: Can It Break $3.00 Resistance?

Breaking the $3.00 resistance is essential for XRP to regain long-term bullish traction. Technical indicators, such as the Relative Strength Index (RSI) and Moving Average Convergence Divergence (MACD), show XRP nearing oversold conditions, suggesting that buying pressure could soon return.

If XRP manages to close above $2.80–$3.00, it may open a pathway toward $3.65 and $5.50, depending on ETF approval and macro sentiment. 

Long-term speculative scenarios point to extreme upside, with some models forecasting a possible rise toward $1,000 by 2030 under highly optimistic institutional adoption cases.

However, such projections remain speculative and should be viewed with caution. A more moderate forecast places XRP between $4.00 and $6.00 in the next 12 months if market conditions remain favorable.

Read also: XRP Forms Death Cross: DOGE Rallies as SHIB Fades

Conclusion

Ripple’s XRP stands at a crossroads. Its price has shown resilience, holding firm near $2.50 despite profit-taking and macro uncertainty. 

With ETF discussions heating up and institutional adoption growing, the next few months could define whether XRP reclaims its former highs or remains range-bound.

While Monad and AlphaPepe are capturing short-term retail enthusiasm, Ripple’s unique position in regulated payments continues to set it apart. 

Whether XRP can decisively break the $2.60 barrier and reach $3.00 will depend on investor sentiment, regulatory progress, and the broader health of the crypto market. 

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FAQ

Will XRP hit $100?

XRP reaching $100 is unlikely to happen within the next decade, but it could potentially hit that price around 2038 or 2039. This massive surge would require huge changes in global finance and regulatory environments.

Does XRP still have a future?

Yes, XRP still has a future. Our most recent forecast suggests that its value will see a small increase of 0.13%, reaching $2.42 by October 16, 2025.

Can XRP hit $20?

A price of $20 is technically possible but is a high bar. It would require the coin's market capitalization to jump by roughly 6.6 times its current size. To achieve this, XRP would need major institutional adoption, inflows from ETFs, and stronger real-world usage.

Is XRP actually a good investment?

XRP is a good investment for investors who accept a higher risk for exposure to utility. While it demonstrates utility in payments and is seeing rising institutional interest, its supply concentration, past regulatory uncertainty, and high volatility create an elevated risk.

Will XRP go to $1000?

XRP will almost certainly never reach $1,000. Achieving this price would push XRP's market capitalization past fifty trillion dollars, which is more than half of the entire global gross domestic product (GDP), making it an unrealistic goal.