XRP Bulls Eye US$5: ETF, Institutional, Ledger Growth

XRP is heating up again…

After surging from below US$2.10 to an all-time high of US$3.65 in July 2025, XRP has settled into a tightening symmetrical triangle pattern, often a precursor to a breakout. With current resistance around US$3.55 and support near US$3.40, market momentum is building. A move above US$3.55 could signal a new push towards US$4 and, potentially, the long-awaited US$5 level.

Behind the price action is narrative. One key catalyst is renewed optimism around a potential long rumoured XRP spot ETF. Recent statements from the SEC suggested applications were under review rather than rejected outright, a subtle shift that traders took as a green light.

Add to that a joint statement from the Federal Reserve, FDIC, and OCC, confirming that U.S. banks can now offer crypto custody services, and the backdrop for institutional adoption is suddenly much stronger.

What’s often missed in the hype is the on-chain growth of the XRP Ledger (XRPL). Transaction volumes on RippleNet are increasing as more financial institutions experiment with blockchain-based cross-border payments. Recent industry reports suggest SWIFT volumes have declined by 15%, a clear sign that blockchain infrastructure like XRPL is starting to take real market share.

It’s not just hype anymore. XRP is quietly proving its role as a bridge currency in global finance.

Even high-profile transfers are sparking renewed interest. A recent US$25 million XRP move by Ripple co-founder Chris Larsen caught attention across the crypto space. Whether it’s a liquidity move or something strategic, these types of transactions reinforce that XRP remains relevant to large holders and institutions alike.

Over the past few months, we’ve helped more clients diversify into XRP, particularly those seeking custody or support with self-managed super funds. Many are shifting away from offshore platforms or exchanges that lack transparent security, seeking instead a local solution that ticks the boxes for safety, service, and compliance.

With white-glove trade execution, and full reporting support, we’re proud to offer one of the few true institutional-grade crypto services in Australia, backed by decades of experience in custody and bullion. Whether you're buying for the first time or transferring holdings into secure custody, Ainslie can help. Reach out to our team, we’ll guide you through it.

Now could be the time to take XRP seriously.