The first half of 2025 has been a mixed bag for XRP investors. After an explosive start to the year—peaking near $3.39 in January—the price has cooled significantly, now trading just above $2.20 as July approaches. While the market sentiment may seem uncertain, underlying developments suggest Ripple is far from stagnant. This article dives into the latest catalysts, technical outlook, and strategic considerations to help you decide: Is it safe to buy or sell XRP in July 2025?
Major Progress Despite Price Downturn
One of the most striking aspects of XRP’s performance this year is how much fundamental progress has occurred despite a pullback in price. Often, crypto markets react emotionally in the short term, but long-term value is built on real-world adoption and infrastructure growth—areas where Ripple continues to shine.
Institutional Demand for XRP ETFs Is Rising
A wave of institutional interest has emerged, with at least ten financial firms filing applications for a spot XRP ETF with the U.S. Securities and Exchange Commission (SEC). This surge in filings positions XRP as one of the most sought-after digital assets among traditional finance players.
Historical precedent supports optimism: after the approval of Bitcoin and Ethereum ETFs, both saw massive capital inflows. Bitcoin ETFs are now nearing the $50 billion in assets under management milestone. If regulators greenlight even one XRP ETF, a similar flood of institutional capital could follow.
Even more telling is the performance of the XXRP ETF, which carries a 1.89% expense ratio. Despite XRP’s price decline, XXRP has attracted over $135 million in assets in just three months. This disconnect between token price and ETF demand signals strong underlying confidence in Ripple’s long-term prospects.
RLUSD Stablecoin Gains Momentum
Ripple’s own stablecoin, Ripple USD (RLUSD), has quietly amassed over $430 million in total assets—and is on track to surpass $500 million by mid-July. This growth reflects increasing trust in Ripple’s financial infrastructure.
The recent passage of the GENIUS Act by the U.S. Senate could further accelerate RLUSD adoption. The legislation aims to regulate stablecoins more strictly, potentially pressuring non-compliant issuers like Tether (USDT). As regulatory scrutiny increases, compliant alternatives such as RLUSD may become preferred choices for institutions and retail users alike.
Legal Clarity on the Horizon
For years, the SEC lawsuit cast a shadow over XRP’s future. But that chapter appears to be closing. In late June 2025, Ripple CEO Brad Garlinghouse announced that the company would drop its cross-appeal, and the SEC is expected to follow suit.
“Ripple is dropping our cross appeal, and the SEC is expected to drop their appeal… We’re closing this chapter once and for all, and focusing on what’s most important – building the Internet of Value.”
— Brad Garlinghouse, CEO of Ripple Labs
This development marks a pivotal moment. Legal certainty removes a major overhang that has dampened investor sentiment since 2020. With clearer regulatory skies ahead, XRP could regain its appeal among risk-averse investors and funds previously sidelined.
Futures Trading and Cross-Chain Expansion
Another sign of maturing market infrastructure: CME Group now offers XRP futures and Micro XRP futures, which have already seen a notional trading volume exceeding $542 million—most of it driven by U.S.-based traders. This level of institutional participation underscores growing legitimacy.
Additionally, Ripple Labs recently partnered with Wormhole, a leading cross-chain interoperability protocol, to enable multichain functionality on the XRP Ledger (XRPL). This integration allows assets and data to flow seamlessly between XRPL and other blockchains like Solana and Ethereum—expanding use cases for decentralized finance (DeFi), NFTs, and enterprise solutions.
XRP Price Technical Analysis: Bullish Pennant in Play
From a technical standpoint, XRP’s chart presents a compelling setup heading into July.
On the daily timeframe, price has pulled back from its 2025 high of $3.40 to current levels around $2.20. It has traded below the 50-day moving average, typically seen as a bearish signal. However, deeper analysis reveals a more nuanced picture.
XRP has formed a symmetrical triangle pattern—often interpreted as a consolidation phase preceding a breakout. Given that this pattern emerged after a strong upward move in November 2024, it aligns with what traders call a bullish pennant.
Key Levels to Watch
- Support Zone: $2.00 – $2.10 (lower boundary of the triangle)
- Resistance Zone: $2.45 – $2.55 (upper descending trendline)
- Breakout Target: A confirmed breakout above $2.55 could propel XRP toward its year-to-date high of **$3.40**
Volume dynamics will be critical. A breakout accompanied by rising volume increases the probability of sustained upward momentum.
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Core Keywords Integration
Throughout this analysis, several core keywords naturally emerge:
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- XRP ETF
- Ripple USD (RLUSD)
- XRP technical analysis
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These terms reflect high-intent search queries from investors seeking actionable insights on timing their entry or exit points in July.
Frequently Asked Questions (FAQ)
Is XRP a good buy in July 2025?
Yes, based on current fundamentals and technical structure. With legal risks fading and institutional demand rising—especially around ETF filings and futures trading—XRP appears undervalued at current levels.
Will XRP reach $3 again in 2025?
A move back to $3 is possible if an ETF is approved or if price confirms a bullish breakout above $2.55. Strong momentum from CME futures and RLUSD adoption could accelerate this move.
What factors could cause XRP to drop further?
Negative regulatory surprises (e.g., SEC reversing stance), broader crypto market downturns, or failure to break out of the symmetrical triangle could lead to a retest of $2.00 or lower.
How does RLUSD impact XRP’s value?
While RLUSD is a separate asset, its success strengthens Ripple’s ecosystem credibility, increases transaction volume on XRPL, and may drive indirect demand for XRP through staking or utility use.
What is the significance of the Wormhole partnership?
It unlocks cross-chain capabilities for XRPL, making it more competitive with Ethereum and Solana. Developers can now build multichain applications using XRP Ledger’s speed and low cost.
Should I sell XRP now?
If you're risk-averse and uncertain about short-term volatility, taking partial profits near resistance levels makes sense. However, long-term holders may benefit more from holding through regulatory clarity and potential ETF approvals.
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Final Outlook: July Could Be a Turning Point
Despite a seemingly lackluster price performance in early 2025, Ripple has made extraordinary strides in institutional adoption, legal resolution, and technological expansion. The convergence of these factors creates a strong foundation for renewed bullish momentum.
With technical indicators pointing toward a potential breakout and macro-level tailwinds strengthening, July may mark the beginning of XRP’s next upward leg.
Whether you're considering to buy XRP or evaluating whether to sell Ripple holdings, now is the time to reassess based on facts—not fear. The landscape has changed—and for long-term believers, the rewards may be just around the corner.