The Ripple Effect — 7/26/25
Current XRP Price: $3.15 (+1.42% 24h) | Market Cap: $186.76B (Rank #3)
24h Volume: $4.39B | 24h Range: $3.02 — $3.16
XRP continues consolidating near multi-year highs while institutional momentum builds through Ripple’s prime brokerage strategy. Key developments include the upcoming July 30 crypto policy report, Bank of America’s expanding partnership with Ripple, and Brad Garlinghouse’s latest insights on prime brokerage transformation in traditional finance.
Price Action & Technical Analysis
XRP is holding steady at $3.15, up 1.42% in the past 24 hours, after recent volatility saw the token trade between $2.96-$3.26. The price has pulled back approximately 14% from its recent peak of $3.60, following large transactions by Ripple co-founder Chris Larsen who moved $175 million worth of XRP to exchanges.
Trading Metrics
- 24h Volume: $4.39B, representing a -50.40% decrease from the previous day
- Market Dominance: 5% of total crypto market cap
- Circulating Supply: 59.24B XRP out of 100B maximum supply
- All-Time High: $3.54 reached in July 2025
Technical Outlook
The 50-day moving average is rising and currently below the price, potentially acting as support. The 200-day moving average has been rising since June 26, 2025, showing long-term strength. Analysts maintain bullish sentiment with ChatGPT forecasting XRP could trade between $6-$10 by end of 2025.
Key Developments
Government & Regulatory
Upcoming Crypto Policy Report
The U.S. government will release a landmark crypto policy report on July 30, 2025, announced by Bo Hines, Executive Director of the President’s Digital Asset Advisory Council. The report is expected to propose major changes including a Bitcoin strategic reserve and expanded access to Fed payment systems for crypto firms.
Key proposals include direct Federal Reserve payment system access for digital asset companies, which would streamline settlements and bring blockchain-native payment rails into competition with traditional banking systems.
Bank of America Partnership Evolution
Institutional Integration Deepening
Bank of America continues its partnership with Ripple, emphasizing institutional trust in blockchain for liquidity and cross-border settlements. The company is exploring stablecoins backed by short-term Treasury securities and US dollars, though this initiative is currently on hold pending regulatory guidance.
David Stryzewski, CEO of Sound Planning Group, claimed on FOX Business that Bank of America is using XRP for 100% of its internal transactions and has filed 83 patents related to Ripple’s blockchain technology. While unconfirmed, a recent court report from the Ripple v. SEC lawsuit highlighted that over 200 institutions, including Bank of America, are leveraging XRP as a bridge currency.
Prime Brokerage Strategy
Brad Garlinghouse on Hidden Road Acquisition
In his latest “Crypto In A Minute” video released July 25, Ripple CEO Brad Garlinghouse highlighted how prime brokers are transforming traditional financial infrastructure by offering institutional clients access to digital assets. He emphasized that these firms are positioning themselves as “one-stop shops” for hedge funds, trading desks, and market makers.
Garlinghouse explained that prime brokers handle trillions of dollars in trades and that Ripple’s acquisition of Hidden Road gives the company access to this growing market demanding better crypto integration. The $1.25 billion acquisition of Hidden Road, which clears over $3 trillion annually across markets with 300+ institutional customers, marks one of the largest deals in digital asset space.
RLUSD Stablecoin Growth
Institutional Adoption Accelerating
RLUSD stablecoin has seen over 30% growth with more than $500 million in circulation, benefiting from compatibility with both Ethereum and XRP Ledger. BNY Mellon’s custodianship enhances RLUSD’s attractiveness to traditional financial institutions.
Federal Reserve Connection
Atlanta Fed Research Validates XRP Technology
The Federal Reserve Bank of Atlanta’s May 2023 policy paper “An Introduction to Web3 with Implications for Financial Services” specifically acknowledges Ripple’s role in cross-border payments innovation. The paper notes that “Ripple provides various services via the use of its native token, the XRP, which is roughly envisioned as an international payment medium or wholesale settlement coin”.
This institutional recognition from a Federal Reserve bank underscores the legitimacy of XRP’s use case in traditional financial infrastructure, particularly as the July 30 policy report may further clarify regulatory frameworks.
Notable Mentions & Market Commentary
Analyst Predictions
Altcoin Daily’s Aaron Arnold provided “realistic” 2025 price expectations, while crypto trader “ProfitMana” increased his XRP forecast to 7X gains, implying potential highs of $15-$21 this cycle.
Technical Analysis
Analyst Ali Martinez highlighted an MVRV ratio golden cross for XRP, noting that the last time this signal appeared, XRP rallied over 630%. If history repeats, XRP could potentially breach the $20 mark.
Temporary Consensus Subnetworks
Ripple’s whitepaper explains how the platform achieves faster consensus by utilizing “collectively trusted subnetworks within the larger network,” circumventing the requirement for every node to operate in lockstep. This technical innovation continues to differentiate XRP’s approach from traditional blockchain consensus mechanisms.
Looking Ahead
July 30 Catalyst
The government’s crypto policy report could provide significant clarity on digital asset regulation and institutional adoption frameworks. Combined with potential ETF approvals and continued institutional integration through Ripple’s expanding partnerships, XRP appears positioned for significant developments in the coming weeks.
Prime Brokerage Expansion
Garlinghouse hinted that more prime brokers will likely follow Hidden Road’s lead as demand for secure and compliant DeFi access ramps up, potentially accelerating institutional adoption of XRP-based services.
Sources
- Fingerlakes1.com — XRP price analysis July 25, 2025
- The Crypto Basic — Altcoin Daily XRP predictions
- CoinDesk — Chris Larsen XRP transactions
- Coindoo — ChatGPT XRP price prediction
- Coinbase — Live XRP trading data
- Bitrue — Bank of America Ripple partnership analysis
- FX Leaders — RLUSD growth report
- Pintu News — US crypto policy report preview
- Our Crypto Talk — White House crypto policy details
- AI Invest — Brad Garlinghouse prime brokerage comments
- Tron Weekly — Hidden Road acquisition analysis
- CNBC — Ripple Hidden Road deal details
- The Coin Republic — XRP price surge analysis
- U.Today — Ripple CEO DeFi comments
- Federal Reserve Bank of Atlanta — Web3 Policy Paper May 2023
- CoinGecko — XRP market data
- Bybit — XRP trading statistics
- CoinPaprika — XRP technical metrics
About This Newsletter
Editorial Process: The Ripple Effect is organized by human editorial oversight and then structured and written by AI to ensure comprehensive coverage and analysis. Topics, sources, and key developments are researched and curated by our editorial team, while AI assists in data analysis, content structuring, and writing to deliver timely, accurate reporting on XRP and ecosystem developments.
Publication Schedule: The Ripple Effect is published many times a week, with frequency adjusted based on market developments and significant news in the XRP ecosystem.
Transparency Note: While AI assists in the writing and analysis process, all content is subject to editorial review and fact-checking. Source material is independently verified, and market data is sourced from reputable exchanges and data providers. Our hybrid approach combines human insight with AI efficiency to deliver comprehensive coverage of the rapidly evolving XRP landscape.
Disclaimer: This newsletter is for informational purposes only and does not constitute investment advice or a recommendation to buy, sell, or hold any securities. XRP and cryptocurrency investments carry significant risks including potential total loss, extreme volatility, and regulatory uncertainty. Past performance does not guarantee future results. Unless we have a formal advisory agreement, I am not acting as your investment adviser. Consult a qualified financial professional and conduct your own research before making investment decisions.
