- Price on 5 Oct 2025 – Ripple’s XRP traded around US$3.0 on 5 October 2025, with investing platforms recording a closing price of US$3.0276 and a high of US$3.0698. YCharts reported a last value of US$2.97 with a year-over-year gain of 455 %.
- Technical indicators – On 5 Oct 2025 the Investing.com technical gauge rated XRP a “Strong Buy,” with the relative strength index (RSI) around 57 (neutral-to-bullish), a positive MACD and an average directional index (ADX) near 49 indicating strong trend strength. Analysts highlighted support near US$2.99–3.00 and resistance at US$3.10–3.30, with a breakout above US$3.30 seen as a launchpad for US$4.00–4.20.
- Fundamentals and news – XRP’s rally followed Ripple’s final August 2025 settlement with the SEC, which confirmed that programmatic sales of XRP on exchanges are not securities transactions and limited Ripple’s penalty to US$125 million [1]. New products and partnerships – including Ripple’s RLUSD stablecoin, SBI’s institutional lending service, the Rail acquisition, and tourism payment tokens – signal deeper adoption [2] [3].
- Market comparisons – Bitcoin traded at US$122,380.9 and Ethereum at US$4,487.71 on 5 Oct 2025 [4] [5]. XRP’s price was still a fraction of these majors but outperformed them on a one-year basis (455 % vs. BTC’s 97 % and ETH’s 85 % YoY gains).
- Outlook – Analysts are optimistic: Standard Chartered forecasts XRP could surge to US$5.50 in 2025 and US$12.50 by 2028 if ETFs and institutional adoption materialize [6]. Bloomberg Intelligence assigns a 95 % probability that the SEC will approve multiple spot XRP ETFs by late October 2025, potentially attracting US$5–8 billion in inflows [7]. Nevertheless, volatility remains high and price corrections are possible.
Understanding XRP and Its Market Environment
Ripple’s XRP is the native token of the XRP Ledger (XRPL) – a blockchain launched in 2012 to facilitate fast, low-cost payments and cross-border transfers. Unlike Bitcoin’s proof-of-work or Ethereum’s energy-intensive proof-of-work (now proof-of-stake) systems, XRPL uses a consensus protocol that supports roughly 1,500 transactions per second and settles in seconds. The total supply is capped at 100 billion XRP, with about 59 billion tokens in circulation and the remainder locked in escrow to release gradually [8].
After years of uncertainty from the U.S. Securities and Exchange Commission (SEC) lawsuit, XRP regained institutional interest in 2024–2025. The July 2023 ruling found that programmatic sales on public exchanges are not securities but institutional sales were unregistered offerings [9]. Both Ripple and the SEC dropped their appeals on 7 August 2025, leaving the 2023 ruling intact and requiring Ripple to pay a US$125 million penalty [10]. This settlement provided rare regulatory clarity for a major cryptocurrency and reopened U.S. exchange listings, clearing the way for potential spot XRP exchange-traded funds (ETFs).
Price Data on 5 Oct 2025
On 5 October 2025 XRP traded just above the US$3 threshold. Investing.com’s historical price table shows that the token opened at US$2.9690, climbed as high as US$3.0698, hit a low of US$2.9564 and closed at US$3.0276. Trading volume was around 293 million XRP, and the daily change was +1.98 %.
YCharts provides another view, listing XRP price at US$2.97 on 5 Oct 2025 with a 2.36 % day-over-day decline but a remarkable 455 % increase compared with the same date in 2024. The difference between data providers stems from pricing feeds (YCharts uses closing prices from banks and exchanges, whereas Investing.com may use 24-hour closing times), yet both confirm a sharp appreciation from the prior year.
Technical Analysis
Momentum Indicators
Investing.com’s technical analysis gauge on 5 Oct 2025 rated XRP a “Strong Buy.” The breakdown of key indicators shows:
- Relative Strength Index (RSI 14) – about 57, indicating moderate bullish momentum (values above 70 often imply overbought conditions, while below 30 suggest oversold).
- Stochastic Oscillator and StochRSI – both around the mid-60s to 70s range, reinforcing a bullish bias.
- Moving Average Convergence Divergence (MACD 12,26) – positive at roughly 0.01, signalling a bullish crossover.
- Average Directional Index (ADX 14) – near 49, denoting a strong trend; values above 25 are considered trending.
- Commodity Channel Index (CCI 14) and Williams %R – both pointed toward buying momentum (CCI ~73, Williams %R around –35).
- Average True Range (ATR 14) – around 0.0216, reflecting elevated volatility.
These indicators collectively suggest that although XRP was not overbought, it was trending upwards with significant volatility. The mid-level RSI and positive MACD indicate the rally could extend, but the high ATR warns traders of large price swings.
Support and Resistance Levels
Market analysts highlighted the following levels around 5 Oct 2025:
- Immediate support at US$2.99–3.00 – XRP briefly dipped to US$2.95 on 4 Oct 2025 due to high-volume liquidations but quickly reclaimed the US$3 level.
- Resistance at US$3.03–3.10 – price needed to close above this zone to confirm a near-term bullish continuation.
- Key hurdle at US$3.30 – traders viewed a daily close above US$3.30 as a trigger for a run toward US$4.00–4.20. Some projections even suggested US$4.80 if momentum sustained.
- Volume and whale accumulation – high trading volumes on 4 Oct, combined with on-chain data showing large holders purchasing XRP, suggested that institutional investors were accumulating around the US$3 level.
Fundamental Factors Driving XRP
Regulatory Clarity and the SEC Settlement
The conclusion of the SEC lawsuit in August 2025 is arguably the most significant driver of XRP’s resurgence. By dismissing their appeals, the SEC and Ripple effectively made Judge Torres’s 2023 summary judgment final, affirming that XRP is not a security when sold on public exchanges [11]. Ripple agreed to pay a US$125 million penalty and received a “bad actor” disqualification waiver, allowing it to continue raising capital. Legal analysts described the settlement as a “complete capitulation” by the SEC and a turning point for crypto regulation.
This clarity reopened U.S. markets and paved the way for spot XRP ETF applications. By early October 2025, seven issuers – including Grayscale, Fidelity, Franklin Templeton and BlackRock – had filed for XRP ETFs, with decisions expected between 18 October and 25 October 2025 [12]. Bloomberg Intelligence estimated a 95 % probability of approval, projecting US$5–8 billion in inflows due to the scarcity of XRP on exchanges [13].
Ripple’s Products and Partnerships
RLUSD Stablecoin and Ecosystem Expansion
Ripple addressed concerns about XRP’s volatility by launching Ripple USD (RLUSD), a dollar-pegged stablecoin in December 2024. The Motley Fool (via Nasdaq) noted that RLUSD allows clients to conduct cross-border transactions without exposure to XRP’s price swings; transaction fees are still paid in XRP, potentially increasing demand [14]. On 3 October 2025 Ripple minted 1.8 million RLUSD on the XRPL, boosting its market cap to about US$789 million and causing trading volume to surge 75 % [15].
RLUSD is expanding globally:
- Africa – Ripple partnered with Chipper Cash, VALR and Yellow Card to integrate RLUSD into remittances, treasury services and microlending, addressing high fees and currency volatility [16]. The stablecoin will also be used for parametric crop insurance in a collaboration with Mercy Corps Ventures [17].
- Listings and trading pairs – RLUSD gained new trading pairs on Bybit (RLUSD/USDT, RLUSD/ETH, RLUSD/XRP), providing liquidity to traders [18].
- Compliance – Deloitte provided an attestation report verifying RLUSD’s reserves, helping build institutional trust [19].
SBI Lending and Japanese Tourism Tokens
Japanese financial giant SBI Holdings deepened its partnership with Ripple by launching an institutional XRP lending service. On 2–3 Oct 2025, CoinDesk reported that XRP climbed from US$2.98 to US$3.03 after SBI announced the service and seven ETF applications were under SEC review [20]. The service allows institutions to borrow XRP through structured lending programs, signaling growing use by banks and corporations.
Separately, SBI Ripple Asia teamed with travel agency Tobu Top Tours to build a blockchain payment platform for tourism. The platform will use XRP Ledger-based tokens for lodging, dining and shopping, with NFTs serving as digital souvenirs and membership passes; launch is planned for early 2026 [21]. Regional tokens will be tied to specific destinations to encourage local spending and could be repurposed for disaster relief [22].
Acquisition of Rail and Expanding Stablecoin Infrastructure
In August 2025 Ripple announced it would acquire Rail, a global stablecoin payments platform, for US$200 million. Rail processes about 10 % of global stablecoin transaction flow, and Ripple’s president Monica Long said the deal will integrate Rail’s virtual accounts and automated back-office services to deliver a comprehensive payments solution [23]. The acquisition is expected to close in Q4 2025.
Market Sentiment and Predictions
Market sentiment is broadly positive but cautious. On-chain data shows whales accumulating XRP around US$3, reflecting confidence in a continued uptrend. Analysts from CoinCentral noted that Bitcoin’s record highs in late September provided a tailwind and that a strong correlation exists between BTC and XRP prices.
Standard Chartered Bank projects XRP to reach US$5.50 in 2025, US$8.00 in 2026 and US$12.50 in 2028, expecting the token to surpass Ethereum in market capitalization if regulatory clarity and ETFs drive adoption [24]. The bank estimates that spot ETF approval could generate US$4–8 billion in inflows, while listing infrastructure like RLUSD and cross-border settlement will increase utility [25].
Bloomberg Intelligence (via AInvest) assigns a 95 % probability of ETF approval and expects price targets of US$3–5 in a baseline scenario. Its bullish case sees US$4.50–6.19, whereas a conservative scenario warns that delays could cap prices near US$2.50 [26].
The Motley Fool/Nasdaq article adds that U.S. regulators under a new administration reversed previous anti-crypto policies in 2025, rescinding an accounting rule (SAB 121) and indicating a more favourable stance toward crypto ETFs, which could further boost demand [27].
Market Comparison: XRP vs Bitcoin and Ethereum
| Asset | Price (5 Oct 2025) | 1-day change | 1-year change | Notes |
|---|---|---|---|---|
| XRP | US$2.97–3.03 | Mixed: +1.98 % (Investing.com) vs –2.36 % (YCharts) | ≈455 % | Benefiting from SEC settlement, ETF expectations, RLUSD adoption. |
| Bitcoin (BTC) | US$122,380.9 [28] | +0.11 % [29] | ≈97 % [30] | Trading near record highs; catalysts include ETF inflows and halving cycle. |
| Ethereum (ETH) | US$4,487.71 [31] | –0.62 % [32] | ≈85 % [33] | Ethereum’s growth slower as investors weigh competition from Solana/Layer-2 networks. |
The table reveals that XRP’s price is a tiny fraction of Bitcoin and Ethereum, yet its year-over-year growth outpaced both. Bitcoin and Ethereum continue to act as benchmarks for the crypto market, but XRP’s regulatory clarity and strong institutional narrative give it a unique risk–reward profile.
Historical Context
XRP’s price history has been volatile. After peaking near US$3.84 in January 2018, it fell below US$0.20 during the bear market. The SEC’s lawsuit in December 2020 caused major U.S. exchanges to delist XRP, pushing it below US$0.30 by 2021. The July 2023 ruling sparked a relief rally above US$0.80, but uncertainty persisted until the August 2025 settlement [34].
From late 2024 to October 2025, XRP staged a dramatic recovery. YCharts shows the price climbing from around US$0.54 in late 2024 to US$2.97 on 5 Oct 2025 – a more than 450 % gain. Contributing factors included positive court rulings, expectations of ETFs, the rollout of RLUSD and major partnerships. Nonetheless, the asset experienced sharp corrections, dropping more than 20 % twice during 2025 [35], underscoring its speculative nature.
Legal and Regulatory Developments
The XRP saga underscores the tension between innovation and regulation. Key milestones include:
- SEC lawsuit (Dec 2020) – The SEC alleged Ripple conducted an unregistered securities offering by selling XRP. Exchanges delisted XRP, causing a price collapse.
- Judge Torres ruling (Jul 2023) – The court held that programmatic sales and secondary market sales of XRP are not securities, while direct institutional sales violated securities law [36].
- Summary judgment appeals dropped (7 Aug 2025) – Ripple and the SEC dismissed their appeals, cementing the 2023 ruling. Ripple agreed to pay a US$125 million penalty and received a waiver to continue raising capital [37].
- Regulatory environment – The case catalyzed debate over regulation by enforcement. Legal analysts argued that the SEC’s capitulation highlights the need for clear rules for digital assets. The new U.S. administration signaled a more pro-crypto stance by rescinding SAB 121 and encouraging ETF approvals [38].
Predictions and Future Outlook
With regulatory overhang lifted and new products launching, XRP faces a pivotal moment:
- Spot ETF approvals could occur between 18–25 Oct 2025. If approved, analysts expect US$5–8 billion of inflows and price targets ranging US$4.50–6.19 in the most bullish scenario [39].
- Standard Chartered predicts XRP will reach US$5.50 in 2025 and US$12.50 by 2028, potentially overtaking Ethereum if institutional adoption accelerates [40].
- Motley Fool/Nasdaq notes that Ripple’s RLUSD stablecoin and favorable regulatory shifts could propel growth but warns that XRP has suffered multiple 20 %+ drawdowns; long-term investors should brace for volatility [41].
- Technical outlook – Short-term traders watch the US$3.30 resistance and expect a breakout toward US$4 if volume rises. Failure to hold US$2.99–3.00 support could trigger a pullback to the US$2.50 area.
Final thoughts
As of 5 October 2025, XRP stands at a crossroads. The token’s 3-dollar price marks a dramatic recovery from the depths of the SEC lawsuit, and legal clarity, prospective ETFs, and new products like RLUSD provide strong tailwinds. Technical indicators support a bullish bias with significant volatility, while market comparisons highlight XRP’s outsized one-year gains relative to Bitcoin and Ethereum.
Yet risks remain. Approval of ETFs is not guaranteed, regulatory shifts could still occur, and the token’s past shows that rallies are prone to steep corrections. Institutional partnerships and stablecoin infrastructure may sustain long-term demand, but investors should prepare for price swings and monitor key support/resistance levels. Whether XRP breaks US$4 by year-end or consolidates depends on upcoming regulatory decisions, market sentiment and broader macroeconomic trends.
References
1. coincub.com, 2. www.nasdaq.com, 3. www.coindesk.com, 4. ycharts.com, 5. ycharts.com, 6. coinmarketcap.com, 7. www.ainvest.com, 8. coincub.com, 9. coincub.com, 10. cointelegraph.com, 11. cointelegraph.com, 12. www.ainvest.com, 13. www.ainvest.com, 14. www.nasdaq.com, 15. coincentral.com, 16. ripple.com, 17. ripple.com, 18. coincentral.com, 19. coincentral.com, 20. www.coindesk.com, 21. coincentral.com, 22. coincentral.com, 23. www.reuters.com, 24. coinmarketcap.com, 25. coinmarketcap.com, 26. www.ainvest.com, 27. www.nasdaq.com, 28. ycharts.com, 29. ycharts.com, 30. ycharts.com, 31. ycharts.com, 32. ycharts.com, 33. ycharts.com, 34. cointelegraph.com, 35. www.nasdaq.com, 36. coincub.com, 37. cointelegraph.com, 38. www.nasdaq.com, 39. www.ainvest.com, 40. coinmarketcap.com, 41. www.nasdaq.com
