XRP has increased double digits this month as August begins and has risen 420% for the year. However, the price of this asset could still rise even higher in 2025. That is what some cryptocurrency market experts and altcoin analysts predict about the price of XRP as August has arrived.

Meanwhile, Ripple Labs continues to expand its business as corporations and even the US government are turning to add XRP to their digital asset portfolios to balance their treasuries.

Furthermore, the Securities and Exchange Commission in Washington, DC has completely reversed course since Trump was re-elected. The SEC has shifted from an aggressive and unyielding stance against Ripple Labs to a cooperative and supportive position.

Additionally, the company is making significant strides in Q3 2025 to expand cross-border payment operations for large transactions between major institutions.

XRP Outperforms US Stocks in July

This is a very optimistic outlook for XRP's price as August begins, especially when compared to the returns from US stocks, such as the S&P 500 benchmark.

July was an important month for the US stock market, as the Nasdaq Composite index once again reached a historic record high on Monday, despite concerns over Trump's tax reform and global tariff policies.

However, XRP holders have gained significantly higher returns compared to US stockholders in July.

The S&P 500 index rose +2.67% in the 30 days ending on Tuesday, July 29. Meanwhile, the price of XRP on cryptocurrency exchanges increased by more than +42%, from $2.20 on June 30 to $3.13 on July 29.

However, it is noteworthy that both asset types have reduced some of their gains at the end of July and on August 1 due to political concerns and economic instability.

For most of its history since its launch in 1957, stocks in the S&P 500 Index typically take four years to achieve the growth that XRP has achieved in just 30 consecutive days this summer. This is not the first time Ripple's token has achieved such extremely positive performance.

The average trading price of this currency also showed similar trends in January last year, November last year, and throughout the Bitcoin bull markets of 2021 and 2017.

Here are five key factors that analysts are considering, believing that the price of XRP will rise up to $5 in the next five months.

1. Altcoin Analyst Predicts XRP Will Reach $5 in 2026

In an update posted on July 25, Altcoin Daily co-founder Aaron Arnold explained that he believes the price of XRP will reach $5 and beyond as it is not just a currency but also an extremely important digital infrastructure for global payments.

He stated that Ripple's new stablecoin, RLUSD, launched in December 2024, will be the main driver of XRP market growth throughout the remainder of this cryptocurrency cycle.

Each time a transaction occurs on the XRP Ledger, a certain amount of XRP will be burned to increase scarcity and create price support for this currency.

"Ripple's stablecoin RLUSD is the key," Arnold said. The reason is that XRP is a relatively scarce token, with limited supply, and the growth of RLUSD increases demand for XRP while the supply remains limited.

RLUSD reached a market capitalization of over half a billion dollars in July. Considering all other factors, the rapid adoption of Ripple's stablecoin is a positive business and economic signal, helping XRP's valuation continue to rise in 2025.

2. The XRP Corporate Treasury Race Begins

Meanwhile, as online traders use more XRP to move stablecoins on the blockchain, at least one corporate finance unit is raising $20 million to stockpile XRP.

Nature's Miracle Holdings is an agricultural technology company based in California, providing equipment for indoor farming, greenhouses, and vertical farming.

They are traded publicly in the US on the OTC market, with a very small market capitalization of under $2 million.

The company announced on July 23 that it is raising $20 million in an SEC-approved equity financing deal to store a treasury of the company's XRP. Furthermore, this will make them the first non-financial public company to purchase a significant amount of XRP.

The CEO of Nature's Miracle, James Li, stated that you can blame the company's major strategic shift towards Trump and Congress for creating greater clarity around regulations concerning blockchain with the GENIUS Act.

Li stated, "We see tremendous potential in XRP as it improves the speed and reduces the cost of cross-border payments."

3. Ripple Pump from the US Reserve

In addition to companies holding XRP, the US federal government also wants to hold Ripple tokens. In fact, President Trump has specifically named XRP as one of the assets the White House wants to hold as a trust asset for Americans.

The White House report on cryptocurrency regarding blockchain and national digital asset reserves, released on July 30, provides solid support for the price of XRP.

Meanwhile, Americans applying for federal home loan funding are now allowed by Fannie Mae and Freddie Mac to list cryptocurrencies like XRP as financial assets while holding them, without needing to sell them for cash.

Therefore, the US government is becoming a driving factor for XRP's price to rise sharply for the remainder of 2025, as well as extending into 2030 and beyond.

4. Ripple's New Patent in the United States: A Threat to SWIFT?

RippleNet and XRP Ledger are automated, borderless, global payment and financial networks. Across the Atlantic, Ripple is also expanding its business into Europe.

In July, a representative from Ripple shared with reporters that the company is applying for a Cryptocurrency Asset Market (MiCA) license in Europe to comply with regulations. This will make it easier for the company to expand its operations in the Eurozone.

Moreover, Ripple was granted US Patent No. 11,998,003 in July for an international payment network that operates much faster than the world's most popular cross-border payment system based in Belgium, SWIFT.

Calculating it, if payments using XRP through RippleNet and the XRP Ledger capture 14% market share of SWIFT for everyday transaction services, the price of XRP could skyrocket.

5. Bitcoin Price Rises to $150,000-$200,000 in 2025

Ultimately, if the price of Bitcoin rises to $175,000 or $200,000, as many professional market analysts believe, then the price of XRP tokens could easily rise from $3 per token to $5 per XRP by 2025.

In fact, the price of XRP has increased by 518% in just 77 days, the last time Bitcoin increased by 50% from November 4 of last year to January 20. If this continues from the current price level, XRP could skyrocket to $19.30.