Ripple (XRP) Price Today

XRP has surged over 3.5% in the past 24 hours, with bullish momentum fueled by rising activity in Deribit-listed options. Traders are heavily betting on July 25 XRP calls at $3 and $4, and a September $2.80 strike, reflecting optimism around a possible XRP spot ETF approval now seen as 95% likely, according to Bloomberg analysts. Ripple’s application for a U.S. national banking license further boosts market sentiment. Technically, the XRP/BTC pair has broken out of a bullish falling wedge pattern, signaling a potential trend reversal. Despite bearish SMA indicators, the breakout suggests renewed upward momentum for XRP in the short term.

Ripple’s dollar-pegged stablecoin, RLUSD, just got a major credibility boost. On July 2, Switzerland’s AMINA Bank became the first fully regulated bank to support RLUSD, offering custody and trading for institutional clients. The announcement drove RLUSD’s 24-hour volume up 20% to $60 million, with its market cap hitting $469 million. Hours earlier, Ripple also filed for a U.S. banking charter, aiming to legally hold reserves and bypass state regulations. As the GENIUS Act tightens stablecoin oversight, Ripple’s move positions RLUSD as a serious competitor to USDC and USDT in regulated finance.

As Ripple expands its On-Demand Liquidity (ODL) corridors, real demand for XRP may soon overpower speculative bot activity. But for now, bots dominate, manipulating prices through spoofing, wash trades, and latency advantages. Only when utility meets transparency will XRP’s price reflect true investor interest instead of algorithmic games.

The XRP market is dominated by fast-reacting bots using privileged APIs. But this may change. Regulatory frameworks like MiCA and crackdowns on exchange favoritism could level the field. Transparency from on-chain trading and the rise of decentralized order books may finally expose bot activity. Until then, the illusion continues.

Bots are controlling XRP’s price moves, leveraging VIP APIs to front-run trades, spoof orders, and execute arbitrage. They even trigger rises in unrelated coins to fake market-wide rallies. These tactics trick retail traders and create artificial volume. Without regulation or transparency, price action around XRP will remain largely manipulated by unseen code, not market logic.

XRP often pumps after big news, but oddly, unrelated coins like ADA and XLM rally too. That’s not organic, it’s bots. High-frequency trading bots react in milliseconds, front-running humans and mimicking market momentum. The result? A distorted price that misleads retail traders. Until real utility kicks in, XRP’s price may continue to be shaped more by algorithms than investors.

The U.S. Senate Banking Committee is set to hold a pivotal hearing on Crypto Market Structure on July 9th, with Ripple CEO Brad Garlinghouse among the key witnesses. This marks a major step forward in giving crypto a formal voice in shaping U.S. regulations. With Ripple at the center of the discussion, it’s a bullish signal for XRP and the broader crypto space. All eyes on Washington next week—this could be a defining moment for XRP and regulatory clarity in the U.S.

Ripple CEO Brad Garlinghouse has made a bold statement, emphasizing Ripple’s unique position in the blockchain and crypto ecosystem. “When I zoom out… we are incredibly fortunate to be the only company with real customers solving real problems,” he said. With Ripple targeting the global cross-border payments market, a multi-trillion-dollar industry, XRP is emerging as a powerful solution to real-world inefficiencies in finance. As regulatory clarity improves and adoption grows, XRP could soon become the backbone of international value transfer. Big moves ahead for Ripple and even bigger implications for the global banking system.

Ripple is making history by seeking a U.S. banking charter and a Federal Reserve master account—potentially becoming the first crypto-native bank. This move would allow Ripple to hold reserves directly with the Fed, offer FDIC-insured deposits up to $250K, and provide lending services using XRP and other crypto assets as collateral. With integrated cross-border remittance capabilities and on-chain financial services, Ripple is poised to disrupt traditional banking from within. If approved, this marks the beginning of a new financial era. 2025 to 2026 could be remembered as the years when the century-old banking system began to crumble.