XRP Digital currency Approaches Ledger Peak: Surpasses $3 Again
XRP digital currency is experiencing a resurgence with notable price movements, inching back towards its previous peaks. Ripple’s plans for stablecoins, recent acquisitions, and the XRPL’s favorable configuration for banks provide a solid groundwork for sustainable buyer interest.
However, it’s not completely smooth sailing. Delays in ETF approvals might occur, and Ethereum or Solana continue to dominate significant portions of the market. Nonetheless, XRP is expanding its use cases and attracting more capital, positioning it to achieve new highs and retain crypto holder interest.
Currently, the price is hovering near its ATH, but the true focus is on value creation. Hence, Ripple’s recent acquisition appears to be a strategic move that could yield substantial benefits in the future.
On July 18, XRP reached a record high of approximately $3.65, marking a 440% increase over the past year. This opens up the possibility of replicating that success as a realistic expectation for investors to think about.
Let’s delve deeper into XRP’s capacity to exceed its former peak price.
A New High Seems Unavoidable for XRP Crypto in the Near Future
While new records garner all the excitement, the true potential for XRP lies in its adoption and practical applications. Ripple has been diligently developing payment and available volume infrastructure around the coin, which secures long-term buyer interest.
The USD-pegged stablecoin launched in December 2024 has already surpassed $642M this summer, providing XRP with a robust base for on-chain payments. In addition, Ripple is investing $200M to acquire Rail, a payments protocol centered on stablecoins. This action effectively accelerates XRP’s entrance into institutional capital flows. The agreement is expected to finalize in Q4.
With XRPL attracting an increasing number of stablecoins and applications, the total on-chain value continues to rise, naturally exerting upward pressure on prices. Since Ripple manages the stablecoin supply, they can inject market fluidity into the ecosystem whenever necessary.
Additionally, Ripple Custody is set to expand its reach in Spain through a new partnership with major banking entity BBVA, further demonstrating their commitment to integrating within traditional finance.
Ripple Custody
We’re broadening our strategic alliance with @BBVA, delivering our institutional-grade digital asset custody solution to Spain: https://t.co/28Mkejn1AH
BBVA is responding to the rising customer interest in crypto assets, with Ripple ensuring a secure and…
— Ripple (@Ripple) September 9, 2025
DISCOVER: 20+ Next Crypto to Explode in 2025
With more institutional investors becoming involved, Ripple is anticipated to capitalize on this capability more frequently, as large capital holders will be drawn to the ability to execute on-chain transactions of nearly any magnitude.
This Isn’t The Sole Reason Potentially Boosting XRP Prices
This isn’t the only factor that could propel XRP’s price upward. XRPL was designed with financial institutions in mind, incorporating compliance-oriented tools for payments and asset issuance.
Right now, issuers have the ability to control who possesses their tokens, freeze assets if regulations require it, and establish transfer protocols, all seamlessly integrated without complicated smart contracts. This level of control is precisely what major institutions seek before engaging in significant on-chain transactions.
As Ripple continues to strengthen its stablecoin strategy, XRPL is enhancing as well. Combined, these developments make XRP likely to rise further as financial organizations seek secure, regulation-compliant methods to transfer capital.
The Key Element Investors Need to Monitor Right Now
— RippleXity (@RippleXity) September 11, 2025
What might prevent XRP from reaching a new high? Quite a bit, actually. The anticipated ETFs could easily face delays if regulators change course. Additionally, ETH—and even Solana—remain formidable players in areas such as stablecoins and payments. They have larger networks and more developers behind them, while XRP continues to prove its worth.
Rather than worrying about whether XRP surpasses its previous highs, the primary consideration is: over the next 1–3 years, will its usage and capital flow continue to rise? Data suggests the outlook is promising. And this doesn’t even consider a favorable macro backdrop or resolutions in Ripple’s legal issues.
If you’re accumulating XRP, set aside the prior peak. Concentrate on the notion that the upcoming ones will genuinely be driven by adoption. Approach it wisely, increase your position gradually, and resist the urge to panic sell over roadmap delays or obstacles.
