XRP has finally broken past the $3 mark after dipping below for the first time in this month. With growing chances of a U.S. Fed rate cut and increasing hopes for an XRP ETF, experts now say the token might reach $4 to $7 even before 2026.
Let’s break down!
XRP Price Today
XRP recently jumped to $3.01, gaining over 7% in a single day. It briefly dipped below $3 during market volatility but quickly bounced back, showing strong confidence from buyers.
This move is more than just a price increase. For a long time, $3 was seen as a barrier. Now, the market is starting to treat it as a new foundation, not a ceiling, something XRP can build on. That change in mindset could open the door to much higher price targets.
FED Rate Cut In Sept-2025
The Federal Reserve hasn’t touched interest rates in months, keeping them between 4.25% and 4.50% since December 2024. But things may be going to change soon.
As a disappointing U.S. jobs report in July 2025 has raised the chances of a rate cut in September from 37% to over 83.5%, according to the CME FedWatch Tool, and this matters for XRP.
A Fed rate cut could drive more money into crypto, especially coins that are already showing strength. XRP is now on that list.
XRP ETF Approval Odds Surge
Another major reason behind the bullish mood is the rising possibility of an XRP ETF being approved by the end of 2025. According to Polymarket, the odds have jumped to 87%.
Adding to that, Nate Geraci, president of NovaDius Wealth, believes BlackRock could be the one to launch it. With a BlackRock crypto executive set to speak at Ripple’s upcoming Swell conference, expectations are heating up.
XRP Price Prediction: $4 to $7 Before 2026?
With economic data softening and XRP holding strong above $3, market watchers believe a breakout toward $4 or higher is very likely. An XRP community on Reddit even predicts that XRP could jump to $7 before 2026, especially if demand surges ahead of the Fed’s move.
If momentum continues and the Fed eases policy soon, XRP might not just test its all-time high; it could set a new one.
