XRP: Three Catalysts That Could Drive a New Rise

After reaching a 52-week high of 3.40 USD in mid-January, the price of XRP has now fallen more than 30%, down to 2.35 USD. This sharp correction has made many investors worried, especially when XRP was considered one of the hottest cryptocurrencies at the beginning of this year. However, not everything is bleak. In fact, this could be a rare opportunity to "buy the dip". Three core factors are forming, promising to boost XRP prices in the second half of 2025.

1. Ripple's Bank License Application Plan On July 2nd, Ripple Labs – the company behind XRP – officially submitted an application for a federal banking license to the Office of the Comptroller of the Currency (OCC). If approved, Ripple will become a federally regulated bank – an unprecedented turning point for a blockchain company. Why is this important? Ripple will have the opportunity to develop new financial products based on XRP, similar to traditional products at banks. XRP has long been referred to as "the bank's currency" as it is primarily used in cross-border payment transactions and remittances. Obtaining a banking license will help Ripple formalize this role, expanding the ability to integrate XRP into the mainstream financial system. The prospect of a real bank operating with XRP at its core is no longer a pipe dream – and if this happens, the value of XRP could be revalued at a much higher level.
2. Spot ETF for XRP Coming Soon? The second pivotal factor is the ability to launch spot ETFs (spot ETF) for XRP, similar to what Bitcoin has achieved earlier this year. Many large financial companies have filed for an XRP ETF and the U.S. Securities and Exchange Commission (SEC) is expected to make a decision by mid-October. According to Bloomberg, the approval rate is as high as 95%, and the markets also predict a 90% chance of success. If the XRP ETF is approved: A huge influx of capital from institutional investors could flow into XRP, as managed ETFs represent the safest and most transparent approach. JP Morgan estimates that the launch of the ETF alone could bring in 8 billion USD in new funds for XRP.
3. The "XRP Vault" Model from Listed Companies A new trend is emerging in the market: public companies are starting to adopt the model of holding XRP as a strategic asset on their balance sheets, similar to how MicroStrategy has done with Bitcoin. VivoPower International (NASDAQ: VVPR) has kicked off with a plan to buy 121 million USD XRP at the end of May. Other companies are currently considering following suit as a way to increase stock valuation and attract interest from digital asset investors. If this trend spreads, the buying power from businesses could create strong upward price pressure, no less than that of countries accumulating gold as foreign reserves. Reality and Expectations Although the aforementioned factors are very positive, investors should also be cautious of hype and "unverified rumors" surrounding Ripple and XRP. Rumors about Ripple's IPO, about acquiring Circle (CRCL) or overthrowing SWIFT to become the dominant global payment system... have all appeared in the past, but did not materialize. The only thing that has really pushed XRP up high in the past two years is the election of President Donald Trump, who has a clear pro-cryptocurrency stance and has helped Ripple overcome many legal hurdles.

However, since January, XRP has not yet created a sustainable growth momentum. If XRP can return to the level of 3.84 USD - the historical peak - before the end of 2025, it would be a significant victory for medium-term investors. Conclusion XRP is facing short-term challenges, but the strategic fundamental factors are more positive than ever. A bank license, spot ETFs, and a wave of XRP accumulation from businesses could become the launchpad for the next growth phase. However, like any cryptocurrency investment, it is important to keep a cool head and have realistic expectations. If all favorable factors occur as expected, 2025 could be the year XRP returns to the game – not just as a simple altcoin, but as a strategic digital asset in the global financial system. #Write2Earn $XRP {spot}(XRPUSDT)