XRP started August with double-digit gains, bringing its total increase for the year to 420%. However, according to many crypto market experts and altcoin analysts, this upward momentum is not stopping - XRP could fully rise to new heights in 2025.
Along with the price surge, Ripple Labs continues to expand its business as more and more large corporations and even the US government are incorporating XRP into their digital asset portfolios for diversification and treasury balancing.
Notably, the US Securities and Exchange Commission (SEC) in Washington, D.C. has also made a 180-degree turnaround since President Donald Trump's re-election, shifting from a confrontational stance to cooperation and support for Ripple Labs.
Moreover, Ripple is accelerating in Q3 2025 with significant advances aimed at expanding cross-border payment infrastructure, serving large-scale transactions between leading financial institutions.
XRP Outperforms US Stocks in July: Optimistic Outlook as We Enter August
July closed with a memorable mark for XRP, as this cryptocurrency far exceeded the profits from US stocks - even compared to the benchmark S&P 500 index. This is an extremely positive signal for XRP's price outlook in early August.
While the US stock market experienced a volatile month - the Nasdaq Composite once again hit record highs despite concerns about the Trump administration's tax reform and global tariff policies - XRP holders recorded outstanding profits.
Specifically, in the 30 days ending July 29, the S&P 500 only increased by +2.67%, while XRP surged over +42%, rising from $2.20 to $3.13 on cryptocurrency exchanges.
Although both asset classes experienced a slight correction at the end of July and on August 1 due to political concerns and economic instability, XRP's performance remains outstanding. Notably, in the S&P 500's over 65-year history, it typically takes about 4 years to achieve gains equivalent to what XRP has accomplished in just 30 days. This is not the first time Ripple's token has achieved such impressive growth - similar surges also occurred in January and November of last year, as well as in Bitcoin's strong upcycles in 2021 and 2017.
Analysts are currently particularly optimistic, pointing out 5 key factors that could drive the price of XRP up to $5 within the next 5 months.
1. Analyst Predicts XRP Will Reach $5 by 2026
In an update on July 25, Aaron Arnold - co-founder of the Altcoin Daily channel - expressed the view that the price of XRP could completely hit the $5 mark, even higher, thanks to its role not only as a cryptocurrency but also as a core digital infrastructure for global payments.
According to Arnold, the key factor driving this growth momentum is the RLUSD stablecoin issued by Ripple, launched in December 2024. He emphasized: "Ripple's RLUSD stablecoin is the key."
The reason given by Arnold is that XRP has a limited supply, and each transaction on the XRP Ledger burns a portion of XRP, increasing scarcity and supporting the price. As RLUSD develops and gains widespread use, the demand for XRP will also rise, while supply becomes increasingly limited.
Notably, just a few months after its launch, RLUSD reached a market capitalization of over $500 million in July 2025. According to Arnold, this is a positive signal for both Ripple's business operations and the pricing outlook for XRP, opening up expectations for a strong growth cycle throughout 2025 and aiming for a price of $5 by 2026.
2. The Race to Accumulate XRP in Corporate Treasuries Begins
Alongside the increasing use of XRP in stablecoin transactions on the blockchain, at least some businesses have begun building their own XRP treasury.
Nature's Miracle Holdings - an agricultural technology company based in California, specializing in providing equipment for indoor farming, greenhouses, and vertical farming - is leading this trend.
Despite having a market capitalization of less than $2 million and being publicly traded on the US OTC market, the company announced on July 23 that it is raising $20 million through an SEC-approved equity funding agreement to buy and accumulate XRP, making it the first non-financial public company to publicly hold a significant amount of XRP.
CEO James Li stated that the GENIUS Act and policy changes under the Trump administration and the US Congress have created a clearer legal framework for blockchain, prompting the company to make this strategic decision.
"We see the enormous potential of XRP due to its ability to improve speed and reduce costs for cross-border payments," Li shared.
3. The US National Reserve Becomes a New Catalyst for XRP
Not only are large businesses accumulating XRP, but the US federal government is also directly entering the game. Notably, Donald Trump has personally mentioned XRP as one of the assets that the White House wants to include in the national trust asset reserve for the American people.
According to the national report on blockchain and digital asset reserves released on July 30, the US government identifies XRP as one of the strategic pillars in the digital asset portfolio that needs to be held. This report has provided a crucial boost to XRP's price, reinforcing confidence in the long-term potential of this cryptocurrency.
Additionally, Fannie Mae and Freddie Mac - two federal financial organizations that support home loans - now allow citizens to list XRP and other cryptocurrencies as financial assets when applying for loans without needing to sell to convert to cash.
With these groundbreaking policies, the US government is becoming one of the most significant drivers pushing the price of XRP, not only for the remainder of 2025 but also heading towards a growth cycle extending to 2030 and beyond.
4. Ripple's New Patent in the US: A Real Threat to SWIFT?
Ripple continues to strengthen its global position as it ramps up operations in both the US and Europe. A company representative stated that Ripple is seeking a Cryptocurrency Asset Market license (MiCA) to comply with regulations in Europe, facilitating expansion in the Eurozone.
In the United States, Ripple made significant strides in July when it was granted Patent No. 11,998,003 for an international payment network with superior processing speed, potentially surpassing SWIFT - the oldest and most popular cross-border payment system based in Belgium.
It is estimated that if RippleNet and the XRP Ledger capture 14% of SWIFT's daily transaction market share, the price of XRP could skyrocket, opening up a strong growth scenario for this cryptocurrency in the coming years.
5. Bitcoin Aiming for $150,000–$200,000: A Strong Lever for XRP
Many professional analysts believe that Bitcoin could reach $175,000–$200,000 by 2025, and if this scenario comes true, the price of XRP could easily rise from the current $3 to around $5.
History also supports this argument: during the Bitcoin increase of 50% from November 4 of last year to January 20, the price of XRP soared by 518% in just 77 days. If a similar acceleration occurs from the current price level, XRP could even reach $19.30 - a scenario full of potential for long-term investors.