A Breakout after Seven Years
Having set its previous historic high of $3.40 in January 2018, XRP had tried in vain to soar to this level for more than 7 years due to intensified legal battles and heightened FUD (fear, uncertainty, and doubt).
Nevertheless, the 3rd-largest cryptocurrency has been able to defy the odds after surging to a record-breaking $3.65, marking a new ATH driven by a convergence of institutional, technical, and regulatory momentum.
XRP’s bullish momentum follows the U.S. House’s passage of three landmark crypto bills, including the GENIUS and CLARITY Acts aimed at establishing a clear regulatory framework, delivering on the Donald Trump administration’s promise and gaining strong bipartisan backing.
The GENIUS Act now awaits President Trump’s signature, while the CLARITY Act heads to the nation’s Senate.
Regulatory uncertainty has long plagued the crypto industry, but the GENIUS Act tackles this head-on by clearly defining which digital assets qualify as securities. This clarity removes a major barrier to innovation and boosts institutional confidence.
On the other hand, the CLARITY Act draws a firm legal line between digital commodities like XRP and securities, limiting the United States Securities and Exchange’s sweeping discretion that fueled lawsuits like Ripple vs. SEC. It gives crypto firms clear compliance guidelines, reducing legal uncertainty.
Institutional & Retail Momentum
The $3.65 climb reflects broad-based interest from retail investors chasing fear of missing out (FOMO) to institutional players accumulating large positions.
On-chain data reveals whale wallets holding more than 100 million XRP have grown by more than 2.2 billion tokens since early July.
Analysts also highlight significant network expansion, with new addresses pouring in a classic sign of demand-driven momentum.
Notably, traditional financial players are piling in with analysts from Standard Chartered and Bitget predicting that XRP could hit between $5 and $7 by year-end, driven by institutional accumulation.
Furthermore, Grayscale has reportedly added XRP to its flagship large-cap fund, signaling growing institutional legitimization.
Macro Market Strength
XRP’s rise echoes a broader altcoin resurgence. Bitcoin recently hit a new ATH above $122K, while Ethereum, Solana, and others climbed in tandem, thanks to soaring institutional inflows and the launch of spot ETFs.
Ripple’s recent launch of its RLUSD stablecoin also showcases its ongoing innovation and ecosystem depth.
Therefore, XRP’s new ATH signals renewed confidence among whales, institutional backing, favorable regulation, and real-world utility.
For investors and observers, this moment underscores XRP’s repositioning not just as a legacy altcoin, but as a vehicle with genuine momentum, evolving legitimacy, and market presence.
Network Expansion & Real‑World Utility
XRP’s on-chain adoption is achieving six‑month highs, with surging numbers of new wallets and transactions.
Ripple recently strategically partnered with Ctrl Alt to support Dubai Land Department’s tokenized real estate initiative, leveraging its XRPL EVM sidechain, which now hosts over 1,300 smart contracts and 160 tokens.
Such real-world use cases position XRP as more than an altcoin, it's an infrastructure play.
Conclusion
XRP's ascent to $3.65 represents more than a price milestone, it’s a reflection of regulatory clarity, growing institutional confidence, real-world application, and robust on-chain and technical dynamics.
For now, XRP stands at a pivotal inflection point: breaking out into a new era or pausing to consolidate before its next leap.
