Ripple XRP Price Forecast: XRP-USD at $2.77 Eyes $5 Upside as Whales Accumulate

Ripple (XRP-USD) Price Forecast – Trading at $2.77 With Support at $2.70 and Targets Toward $5

Ripple’s XRP-USD is trading at $2.77, down 1.8% in the last 24 hours with daily turnover above $6.3 billion and a market capitalization near $165 billion, keeping it among the top five cryptocurrencies. The price decline reflects a combination of short-term technical breakdowns, heavy institutional liquidations, and persistent regulatory overhang. The token has fallen from its summer peak of $3.66, but whale accumulation and ETF speculation continue to provide long-term support.

Technical Pressure: $2.70 Emerges as Key Line in the Sand

Charts show XRP consolidating inside a descending triangle since July’s high. Support rests at $2.70, while resistance sits between $2.88–$2.97 where the 50-day and 200-day EMAs converge. The RSI at 37 signals oversold conditions, while MACD is negative, confirming bearish momentum. Failure to hold the $2.70 support could trigger a drop to $2.60–$2.50, aligning with the 100- and 200-day EMAs. A deeper slide could expose $2.08, implying a 25% downside. On the upside, clearing $2.97–$3.10 would unlock a move back to $3.60–$3.70, with $5 becoming a medium-term target if sustained buying follows.

Institutional Liquidations Versus Whale Accumulation

Despite weakness, whale behavior shows confidence. Data reveals 340 million XRP were added by large wallets in the past two weeks, lifting total holdings to 7.84 billion XRP. This accumulation came as institutions liquidated $1.9 billion in XRP positions since July, triggering the sharp selloff below $2.80. The divergence highlights two distinct market groups: short-term institutional hedging versus long-term whale conviction. Glassnode identifies a critical cluster at $2.81–$2.82, where 1.71 billion XRP were acquired, making this zone a critical battleground for bulls and bears.

Elliott Wave and Fibonacci Signals Point to $2.20–$2.50 Accumulation Zone

Technical analysts see XRP in a “double three” Elliott Wave correction, with a likely pullback into the $2.20–$2.50 accumulation range before the next rally. Fibonacci retracement analysis reinforces this, with the 61.8% level coinciding with this support band. Historically, 61.8% retracements have triggered rebounds in over 70% of crypto cases. Should XRP dip to this zone, it would represent a strong accumulation opportunity ahead of another leg higher.

Regulatory Risks and ETF Delay Pressure Price Action

The U.S. SEC recently postponed decisions on spot XRP ETFs to October 24, 2025, adding uncertainty to near-term sentiment. Historical studies show delays like this result in average altcoin declines of 15%, explaining why XRP has struggled to reclaim momentum. The ongoing Ripple vs. SEC legal case continues to cast a shadow, although many analysts argue regulatory clarity could unlock institutional adoption. The contrasting dynamics of short-term ETF delays and long-term utility create volatility in XRP trading.

Macro Sentiment and Fed Policy Influence Crypto Flows

Global liquidity trends also matter for XRP. With markets pricing a 90% chance of a Fed rate cut in September, risk assets such as crypto stand to benefit from easier monetary policy. September, however, remains seasonally volatile — Bitcoin’s “Red September” history extends to altcoins, including XRP, which has posted wide swings in this month. Liquidity inflows tied to Fed easing could help XRP reclaim the $3.00–$3.50 zone if support at $2.70 holds.

Corporate and ETF Adoption Expand Ripple’s Reach

Adoption continues despite near-term selling. ProShares’ leveraged XRP ETF attracted $1.2 billion in its first month, while CME XRP futures have surpassed $1 billion in contracts, making it the fastest-growing derivative product. Japanese gaming company Gumi invested $17 million into XRP holdings, and Hyperscale Data announced plans to allocate part of a $125 million raise into XRP. These moves demonstrate growing recognition of XRP as a payments and liquidity asset in both corporate treasuries and institutional investment products.

Medium- to Long-Term Forecast: Range $2.50–$5, With 2028 Targets at $10

Short term, XRP risks sliding into the $2.50–$2.60 support band if $2.70 fails. Medium term, breaking above $3.00–$3.10 would clear the path to $3.60–$5.00. Longer term, analysts project XRP reaching $10 by 2028, driven by regulatory clarity, ETF approvals, and expanding partnerships for RippleNet in cross-border payments. Whale accumulation and high on-chain liquidity at $2.80 suggest that even in downturns, XRP retains strong structural support. At current prices, the market has priced in regulatory uncertainty but may be undervaluing long-term adoption drivers.

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