Now might be an excellent opportunity to purchase XRP at a significant discount.
Throughout much of the year, XRP (XRP +4.12%) has stood out as one of the top-performing major cryptocurrencies. In July, XRP reached a 52-week high of $3.65, suggesting a promising trajectory for the latter half of 2025.
However, the last 90 days have shifted the perspective on XRP, with its price dropping to $2.40, marking a 34% decline. Additionally, XRP has significantly lagged behind both Bitcoin and Ethereum during this period.
On a positive note, three major catalysts could potentially elevate XRP’s value in the closing months of 2025. Let’s explore these factors further.
Upcoming Spot XRP ETFs
The first catalyst is the anticipated introduction of new spot XRP exchange-traded funds (ETFs). Several investment firms, such as Grayscale, Bitwise, and WisdomTree, currently have applications pending with the SEC, which were expected to receive approval by mid-October.
However, the ongoing federal government shutdown has stalled this review process, potentially contributing to a lack of investor confidence in XRP. The approval of these ETFs was anticipated to lead to a substantial influx of capital into XRP, resulting in higher prices. With this approval now postponed, that expected influx is also delayed.
Emergence of New XRP Treasury Firms
Concurrently, the past six months have seen the establishment of new digital asset treasury companies focused on acquiring and holding XRP. A notable example is VivoPower International, which announced plans in late May to raise $121 million for XRP purchases. Other companies have also raised significant funds for similar intentions.
This consistent buying activity is theorized to elevate XRP’s price, following a trend seen with Bitcoin and Ethereum treasury firms. These digital asset treasury companies represent a new source of continuous demand for XRP.
Potential XRP Integration with Bank Payment Systems
Finally, there’s considerable discussion regarding the potential integration of the XRP blockchain within the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network for international banking and cross-border transactions.
During a company event in June, Ripple CEO Brad Garlinghouse indicated that XRP could comprise 14% of global SWIFT transaction volume within the next five years, representing a significant financial opportunity. This would create additional demand for the XRP token, potentially driving up its price.
Future Price Projections for XRP
In April, Standard Chartered forecasted that XRP might reach $5.50 by the end of 2025, though this now seems overly optimistic. Nevertheless, online prediction markets still estimate a 31% probability of XRP hitting $3.75 this year.
With XRP currently priced at $2.40, this presents a possible 50% return on investment. If you’re comfortable with risk and looking for a long-term strategy, XRP could be a worthwhile cryptocurrency to consider investing in with $1,000 right now.
