XRP is at an inflection point. In July, several key announcements could redefine its trajectory, from banking licenses to institutional ETFs and its role in central bank digital currencies.
XRP has started 2025 with a momentum that does not go unnoticed. With a current price close to $2,8 With an annual return of over 390%, Ripple's native token is positioned as one of the most closely watched assets by institutional and retail investors. July could mark a turning point, not because of speculation, but because of a series of announcements that analysts say could catalyze a new bullish cycle for this cryptocurrency.
Ripple seeks banking license and direct access to the Federal Reserve
Ripple has filed for a national banking license with the Office of the Comptroller of the Currency (OCC) and a master account with the Federal Reserve. If approved, the company would become one of the few crypto firms with dual oversight: state (through the NYDFS) and federal.
This is not a minor move, but one that would strengthen Ripple's regulatory position and open the door to its own banking infrastructure to issue and safeguard digital assets such as RLUSD, its regulated stablecoin backed by US dollars.
Ripple CEO Brad Garlinghouse emphasized that, if approved, Ripple would gain state and federal oversight, setting a new benchmark for trust in the stablecoin market. He also noted that direct access to the Federal Reserve would allow Ripple to operate without bank intermediaries, offering real-time institutional liquidity. For XRP, this represents regulatory validation that could attract massive institutional capital.
A spot ETF is getting closer
The inclusion of XRP in Grayscale's Digital Large Cap fund, which was recently approved as a spot ETF, marks a milestone. Although the allocation is 4,8%, it represents formal recognition by the SEC, which until recently maintained an ambiguous stance on XRP's legal status. Furthermore, market experts estimate a 95% probability that the SEC will approve XRP-specific spot ETFs before the end of the year.
Furthermore, the hearsay about a potential BlackRock-backed ETF have intensified interest. While the firm hasn't officially confirmed its intention to issue an XRP-based ETF, analysts like Bloomberg's James Seyffart have commented that it would be somewhat illogical for a giant like BlackRock not to participate in the altcoin ETF space, especially with XRP already present in regulated products.
Therefore, if these rumors materialize, BlackRock's backing could channel billions in flows into XRP, replicating the effect observed with Bitcoin and Ethereum-based instruments.
XRP as a bridge between central bank digital currencies
Beyond traditional markets, XRP is gaining traction as an interoperability solution for central bank digital currencies (CBDCs). Ripple has developed a private version of the XRP Ledger to facilitate high-speed, low-cost transfers between CBDCs. Countries such as Colombia, Montenegro, and Bhutan are already exploring pilot projects with this technology.
XRP's ability to act as a bridge asset between different digital monetary systems positions it as a strategic tool in the global financial infrastructure. According to Ripple, its private ledger can process tens of thousands of transactions per second, with energy efficiency 61.000 times greater than other blockchain networks.
XRP: Between Regulatory Opportunities and Institutional Growth
Cryptocurrency experts have varied opinions on XRP's future price, reflecting different scenarios that could influence its value. In a moderate scenario, many analysts agree that XRP could remain in an average range between $2,5 and $3,5. However, if more favorable conditions occur, such as the approval of spot ETFs and a significant increase in institutional adoption, the price could climb to between $6 and $10 by the end of this year. On the other hand, a more pessimistic scenario cannot be ruled out, where regulatory factors or macroeconomic changes could cause downward corrections.
Looking beyond the short term, XRP is expected to experience steady, gradual growth. By 2026, projections suggest the price could consolidate above $5, supported by the expansion of the Ripple ecosystem and its increasingly important role in the global digital payments infrastructure.
Thus, July still promises to be anything but an ordinary month for XRP. The combination of regulatory announcements, the arrival of new financial products aimed at institutional investors, advances in central bank digital currencies (CBDCs), and the expansion of the derivatives market have the potential to change the landscape for this cryptocurrency.
For those who invest in or closely follow this digital asset, keeping an eye on these movements will be crucial to anticipating price changes and assessing XRP's true potential as a strategic asset in the ever-evolving digital economy.
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