XRP crypto is heating up again with some strong price action, creeping right back toward its all-time highs. Ripple’s stablecoin plans, recent buyouts, and XRPL’s bank-friendly setup give it a legit foundation for long-term demand.
But it’s not all smooth sailing. ETF approvals could drag, and ETH or Solana still own big chunks of the market. Even so, XRP is building more use cases and pulling in more capital, which sets it up to break fresh highs and keep traders locked in.
Right now, the price is sitting close to its ATH, but the real game is in value creation. That’s why Ripple’s latest acquisition looks like a power move that could pay off heavy down the road.
On July 18, XRP hit a new all-time high of about $3.65, gaining 440% in the last 12 months. This makes the chance of repeating that performance less of a dream and more of a reasonable scenario for investors to consider.
Let’s take a closer look at XRP’s potential to surpass its previous record price.
A New Peak Seems Inevitable in the Short Term For XRP Crypto
New highs get all the hype, but the real juice for XRP comes from adoption and actual use cases. Ripple’s been busy building out payment and liquidity rails around the token, which locks in long-term demand.
Their USD-pegged stablecoin that dropped in December 2024 already smashed past $642M this summer, giving XRP a strong on-chain payments base. On top of that, Ripple is dropping $200M to scoop up Rail, a stablecoin-driven payments platform. That move basically speeds up XRP’s path into institutional money flows. The deal should wrap up in Q4.
With XRPL pulling in more stablecoins and apps, the total value locked on-chain keeps climbing, which naturally adds upward pressure on price. And since Ripple controls the stablecoin supply, they can drop liquidity into the ecosystem whenever it’s needed.
To top it off, Ripple Custody is set to expand in Spain through a fresh partnership with banking giant BBVA, more proof they’re pushing deep into traditional finance.
Ripple Custody
@BBVA
We're expanding our partnership with @BBVA, bringing our institutional-grade digital asset custody technology to Spain: https://t.co/28Mkejn1AH
BBVA is responding to growing customer demand for crypto assets, with Ripple providing a secure and…
— Ripple (@Ripple) September 9, 2025
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With more institutional investors joining in, Ripple is expected to use this ability more often, since large capital holders will be attracted to the ability to process on-chain transactions of virtually any size.
This Is Not The Only Factor That Could Drive XRP Price Higher
This isn’t the only factor that could drive XRP’s price higher. XRPL was built with banks in mind, packing compliance-friendly tools for payments and asset issuance.
Right now, issuers can lock down who holds their tokens, freeze assets if regulations demand it, and set transfer rules, all baked in without messy smart contracts. That’s exactly the kind of control big institutions want before they start moving serious money on-chain.
While Ripple keeps beefing up its stablecoin game, XRPL itself is leveling up too. Put together, it makes XRP look set to climb further as financial institutions hunt for secure, regulation-friendly ways to move capital.
The Big Thing Investors Got To Watch Right Now
JUST IN: SEC delays Franklin spot $XRP ETF pic.twitter.com/y5KgV3KgFV
— RippleXity (@RippleXity) September 11, 2025
What could hold XRP back from hitting a new high? Honestly, plenty. Those ETFs everyone’s hyped about later this year could easily get pushed back if regulators shift gears. Plus, ETH — and even Solana — are still heavy hitters in stuff like stablecoins and payments. They’ve got bigger networks and more devs backing them, while XRP’s still grinding to prove itself.
Instead of stressing about whether XRP breaks its old highs, the real question is: over the next 1–3 years, does its usage and money flow keep growing? From what the data shows, the odds look solid. And that’s not even factoring in a chill macro backdrop or Ripple’s legal drama easing up.
If you’re stacking XRP, forget the last peak. Focus on the idea that the next ones will actually be powered by adoption. Play it smart, scale in slowly, and don’t let roadmap delays or bumps push you into panic selling.
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Key Takeaways
- XRP’s long-term strength comes from Ripple’s stablecoin push, acquisitions, and XRPL’s bank-friendly features that attract institutions.”
- ETF delays and the ETH/SOL rivalry could slow momentum, but growing adoption still makes fresh highs very likely.
The post XRP Crypto Nears All-Time High: Back Over $3 appeared first on 99Bitcoins.
