$XRP XRP is currently at a triple inflection point of regulatory breakthroughs, institutional entry, and technological upgrades. It is expected to establish a new balance in the $3.00–$5.00 range by 2025. Short-term fluctuations are inevitable, but in the medium to long term, if it continues to realize the value of cross-border payment ecosystems, it may become the first 'non-Bitcoin' crypto asset to achieve a trillion-dollar market cap. Investors should pay attention to ETF fund flows, RLUSD adoption rates, and changes in whale holdings to capture key signals.