XRP Set for a Historic 2025—Here’s What You Need to Know

• So far, 2025 has been progressive for XRP with increased institutional interest and a positive regulatory environment.
• An analyst has laid out a list of catalysts for XRP’s last half of the year, possible reasons that could push it past $4. 

Today, Ripple (XRP) is currently trading at the price of $2.77. This is after a 24% gain in the past week and a 4% increase in the past day. Evidently, XRP is riding on the bullish momentum that Bitcoin (BTC) has ignited for the market by attaining a new all-time high of $118,000 on Friday.

Notably, there is an increase in investor confidence, as its trading volume has jumped by 95.42% to 16 billion, while the derivatives volume has surged by 138.90% to reach $36.55.

Along with the market excitement, one XRP supporter, Jungle Inc., recently took to X to lay out a compelling case for why 2025 might be a defining year for Ripple and its native token. So what’s fueling this newfound momentum? According to the post, several developments are lining up that could collectively reshape XRP.

1. A Banking License

Recently, Crypto News Flash reported that Ripple has asked the U.S. Office of the Comptroller of the Currency (OCC) for a national bank charter. At the same time, its affiliate, Standard Custody & Trust, has applied for a Federal Reserve Master Account, which would let it hold reserves directly with the Fed.

If these applications are approved, it wouldn’t just boost Ripple’s standing in traditional finance; it could also open the door for more institutions to adopt XRP in fully regulated markets.

2. Grayscale Adds XRP to Its Digital Large Cap Fund

On July 1, the U.S. SEC officially approved Grayscale’s Digital Large Cap Fund (GDLC) to trade as a spot ETF on NYSE Arca. This green light came just a week after Grayscale updated its filing, showing how quickly things are moving.

Initially launched in 2018, the GDLC fund gives investors an easy way to get exposure to five of the biggest digital assets, all in one place, and this now includes XRP. What’s especially exciting is that XRP is now part of that mix. After years of regulatory uncertainty with the SEC lawsuit, its inclusion sends a strong message.

3. XRP ETF Approval

The buzz around XRP spot ETFs is getting louder. According to Bloomberg ETF experts James Seyffart and Eric Balchunas, there’s now a 95% chance that the SEC will approve an XRP spot ETF.  Asset managers like Bitwise, Canary Capital, 21Shares, WisdomTree, ProShares, and CoinShares are already lining up with filings, hoping to launch their own XRP-based funds.

With Bitcoin and Ethereum (ETH) ETFs already making progress after launching in 2024, the XRP community sees this as the natural next step.

4. A BlackRock XRP ETF

The SEC’s 2020 lawsuit against Ripple Labs cast a long shadow over the company, leaving many in the crypto space wary. For a while, the uncertainty pushed some asset managers to keep their distance. But things are shifting. Rumors of a potential BlackRock-backed XRP ETF are heating up, and if they turn out to be true, it could spark a wave of adoption that changes XRP’s path entirely.

5. Global CBDCs

When central banks create their own digital currencies (CBDCs), they need a neutral asset to move value between them. XRP fits the bill perfectly; it’s fast, cost-effective, and not tied to any one country’s politics or monetary policy. Ripple’s On-Demand Liquidity (ODL) platform eliminates the need for banks to hold pre-funded accounts in multiple currencies.

Already, countries like Bhutan, Palau, Colombia, Montenegro, New Zealand, and Hong Kong are exploring digital currencies built on the XRP Ledger.

6. Derivatives Exchanges

In 2024, Robinhood teamed up with Bitstamp, a globally licensed crypto exchange, to build a crypto derivatives platform on the XRP Ledger. The move could bring trillions in liquidity to the XRPL ecosystem. Now that Robinhood has finalized its acquisition of Bitstamp, users will get easier access to advanced trading tools like futures, all on a fast, high-performance blockchain.