XRP surged past the $3 threshold for the first time since March 2025, reaching $3.03 amid growing institutional adoption and whale accumulation.
The rally coincided with the Federal Reserve’s official transition to ISO 20022 for Fedwire on July 14. This development has put Ripple’s blockchain payment solutions at the center of a modernized U.S. payment infrastructure.
XRP Set to Go Mainstream
The Federal Reserve’s adoption of ISO 20022 for its Fedwire Funds Service brings real-time settlement capabilities to trillions in daily interbank transfers. The global messaging standard allows banks to share richer transaction data, reducing errors and improving cross-border efficiency.
Ripple became the first blockchain-focused company to join the ISO 20022 Standards Body in 2020.
RippleNet already supports the standard through its global payment platform, connecting banks and payment providers using structured messaging systems that fit the ISO 20022 framework.
At the same time, XRP whale wallets holding at least 1 million tokens reached an all-time high of 2,743 addresses, controlling over 47.32 billion XRP tokens.
Source: Santiment
The accumulation pattern coincided with a 26% price increase over the past week and improved network growth metrics.
The SEC has also scheduled a key vote for July 17 regarding the potential full dismissal of its case against Ripple.
Investors view the upcoming decision as an essential catalyst that could end the legal uncertainty surrounding XRP’s regulatory status.
Ripple’s Strategic Infrastructure Positioning Gains Momentum
Ripple’s early ISO 20022 compliance positions the company to benefit from U.S. banking sector modernization. Financial institutions now require technology partners that meet the new standard, with Ripple having completed the necessary infrastructure development ahead of competitors.
The company applied for a U.S. national banking license through its subsidiary Standard Custody, seeking dual state and federal oversight. Ripple also requested a Federal Reserve Master Account for its RLUSD stablecoin, which would allow direct reserve holdings with the Fed.
RLUSD has gained traction in global remittances with over $500 million in market capitalization. In fact, Switzerland’s FINMA-licensed AMINA Bank has integrated RLUSD for custody and trading services, while BNY Mellon provides custodial services for the dollar-pegged stablecoin.
Volante Technologies also confirmed that its platform will facilitate XRP settlement through RippleNet connectivity established in October 2015.
Institutions using Volante’s cloud-based Fedwire-as-a-Service can choose XRP as a settlement mechanism for the newly ISO 20022-compliant system.
The partnership creates infrastructure for institutional experimentation with blockchain-based settlement solutions.
Ripple’s acquisition of Hidden Road has also facilitated OTC swaps for U.S. institutions, positioning the company as a full-stack institutional liquidity provider.
Technical Analysis Points to Extended Rally Potential
XRP’s weekly RSI mirrors the 2017 bull market pattern with readings in the mid-60s range, similar to the early stages of the previous explosive rally.
Source: @ChartingGuy on X
The RSI buildup appears more measured than the 2021 cycle, suggesting sustainable momentum rather than speculative froth. The bi-weekly chart reveals a 7-year double bottom formation with XRP breaking above the neckline around $2.20–$2.50.
The pattern combines with an ascending triangle structure, creating a hybrid setup that historically precedes substantial multi-year advances.
Daily charts show XRP approaching key resistance at $3.33, with liquidity swings indicating major activity around $4.00.
Source: TradingView
Volume profiles during the recent rally reached 376.64 million, confirming institutional and retail interest at current levels.
The XRP Ledger version 2.5.0 upgrade introduced protocol improvements for token management and transaction processing.
Daily active addresses surged from 35,000 to over 295,000, coinciding with the price breakout above key technical levels.
Technical analysis indicates XRP could extend gains toward $4.00 once it clears the $3.33 resistance level.
The 7-year double bottom pattern suggests a measured move targeting $38, representing a 13x increase from current levels.
Immediate support sits at $2.50–$2.80, with any pullbacks expected to find buyers in this range as the larger uptrend continues.
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