The value of XRP rose by double digits this month as August began, totaling 420% this year. However, the currency may see an even greater rise by 2025. This is what some cryptocurrency market experts and alternative currency analysts expect for XRP prices as August approaches.
Meanwhile, Ripple Labs continues to expand its business as companies and even the US government move to add XRP to their digital asset portfolios to balance their bonds.
Moreover, the SEC in Washington, D.C. has undergone a radical transformation since Trump's re-election. The agency has shifted from a hardline adversarial stance towards Ripple Labs to a cooperative and supportive stance.
In addition, the company plans significant steps in the third quarter of 2025 to expand its borderless payment operations for large transactions between large institutions.
XRP outperformed US stocks in July
These are extremely bullish forecasts for XRP prices as August begins, especially when compared to the returns of US stocks, such as the S&P 500 index.
July was an important month for US stocks, as the Nasdaq Composite Index once again reached a record high on Monday, despite concerns about the tax reform being implemented by Trump and global tariff policies.
But XRP holders saw much larger gains than US stockholders in July.
The S&P 500 index rose by +2.67% during the thirty days ending Tuesday, July 29. At the same time, the price of XRP on cryptocurrency exchanges rose by over +42%, from $2.20 on June 30 to $3.13 on July 29.
However, it is worth noting that both asset classes lost some of their gains in late July and early August due to political concerns and economic uncertainty.
Throughout most of its history, since its launch in 1957, the S&P 500 index stocks typically took four years to achieve the same level of growth that XRP accomplished over 30 consecutive days this summer. This is not the first time Ripple has achieved such highly positive performance.
The average trading price of the coin has also performed similarly in January of last year, November of last year, and throughout the Bitcoin bull market in 2021 and 2017.
Here are five key factors that analysts consider when predicting XRP's price will rise to $5 in the next five months.
1. An alternative currency analyst expects XRP to reach $5 by 2026
In an update published on July 25, Aaron Arnold, co-founder of Altcoin Daily, explained that he believes XRP will reach $5 and above because it is not just a currency but also an extremely important digital infrastructure for global payments.
He said that the new stablecoin Ripple, RLUSD, which is scheduled to launch in December 2024, will be the main driver of XRP market growth throughout the rest of this cryptocurrency cycle.
Each time a transaction occurs on the XRP Ledger, some XRP is burned to increase scarcity and create price support for the currency.
Arnold said: "The stablecoin RLUSD is fundamental." This is because XRP is a relatively rare currency with a limited supply, and the growth of RLUSD increases demand for XRP while the supply is limited.
The market capitalization of RLUSD exceeded half a billion dollars in July. Considering everything, the rapid adoption of the stablecoin is a good trade and economic indicator, contributing to the continued rise in XRP value in 2025.
2. The XRP Enterprise Treasury race begins
Meanwhile, as online traders use more XRP to transfer stablecoins on the blockchain, at least one institutional finance division is raising $20 million to store XRP.
Nature's Miracle Holdings is a California-based agricultural technology company that provides the necessary equipment for indoor farming, greenhouses, and vertical farming.
It is publicly traded in the United States in the over-the-counter market, with a very small market capitalization of less than $2 million.
The company announced on July 23 that it raised $20 million in an SEC-approved equity financing deal to retain an XRP treasury, making it the first non-financial public company to purchase a large quantity of XRP.
James Lee, CEO of Nature's Miracle, said that you can blame Trump and Congress for the company's major strategic shift to create more regulatory clarity around blockchain with the GENIUS Act.
He told me: "We see tremendous potential in XRP as it improves speed and reduces the cost of cross-border payments."
3. Pumping ripples from US reserves
In addition to companies that own XRP, the US federal government also wants to hold the Ripple token. In fact, President Trump specifically mentioned XRP as one of the assets that the White House wants to hold in trust for the American people.
The White House report on cryptocurrencies, blockchain, and the national digital asset reserve, released on July 30, provided strong support for XRP's price.
Meanwhile, it is now allowed for Americans applying for federal housing loans through Fannie Mae and Freddie Mac to list cryptocurrencies like XRP as financial assets while holding them, without having to sell them for cash.
Thus, the US government has become the driving factor for XRP prices rising throughout the remainder of 2025, as well as into 2030 and beyond.
4. New US Ripple patent: Does it pose a threat to SWIFT?
RippleNet and XRP Ledger are two global networks for automated payment and financial services, cross-border. Across the Atlantic, Ripple is expanding its operations to include Europe.
In July, a Ripple representative told reporters that the company applied for a crypto asset market license (MiCA) in Europe to comply with regulations, making it easier for the company to expand its operations in the Eurozone.
Moreover, Ripple obtained US patent number 11,998,003 in July for an international payment network that has much faster payment speeds than the world's most popular cross-border payment system, SWIFT, based in Belgium.
In mathematics, if XRP payments using RippleNet and XRP Ledger capture 14% of SWIFT's market share for daily transaction services, the price of XRP could rise significantly.
5. Bitcoin is expected to rise to $150,000 or $200,000 by 2025
Ultimately, if the price of Bitcoin rises to $175,000 or $200,000, as many professional market analysts believe, the price of the XRP token could easily rise from $3 per token to $5 per XRP by 2025.
In fact, the price of XRP rose by 518% in just 77 days, and the last time the price of Bitcoin rose by 50% was from November 4 of last year to January 20. If the current price continues on this path, the price of XRP could rise to $19.30.