XRP has surged to between $3.48 and $3.65 in July 2025, marking new yearly highs and cementing its position as the third-largest cryptocurrency by market capitalization. Leading AI platforms (Perplexity, ChatGPT, Grok, DeepSeek) project peak prices ranging from $5 to $22 during the current bull cycle, driven by regulatory clarity after Ripple's reduced $50 million SEC penalty in March 2025, potential ETF approvals (95% probability cited), and accelerating institutional adoption for cross-border payments.
Technical indicators reveal a decisive breakout above critical resistance levels at $2.50 and $3.40, supported by whale accumulation at all-time highs. Futures open interest has skyrocketed to a record $10.6 billion (from $3.7 billion last month), with Binance and Bybit leading trading volumes. The XRP Ledger's TVL surged 70% in 30 days to $93 million, while Ripple's stablecoin RLUSD hit a $532 million market cap. The Teucrium 2X Long XRP ETF also reached $506.6 million in assets, signaling robust institutional demand.
A cup-and-handle pattern on the daily chart projects a technical target of $5.27, aligning with conservative analyst estimates. More aggressive forecasts hinge on historical patterns and institutional adoption scaling, with Grok and ChatGPT highlighting $15-$30 as plausible in extended bullish scenarios. DeepSeek cautions that weaker macroeconomic conditions could limit gains to $1.50-$3, though current moving averages and trading volumes support sustained upward momentum.