XRP, a cryptocurrency issued by Ripple Labs, reached a historic $3.65 (ATH) on July 18th, and from that moment on it entered the lateral price area.
When this article was published, XRP was negotiated at $3.03, 17% below the recordas observed in the following training view graph:
But beyond the gap between current prices and ATH, a set of fundamental factors that cultivate XRP’s bullish perspective appears on the horizon.
This has been taken into consideration by financial market analyst David Zanoni, and in a recent report points out that “Ripple promotes critical developments to prepare land for long-term growth of XRP.”
Next, analyze Five Factors That Can Increase Ripple Labs Cryptocurrency Prices At a level you’ve never seen before.
1. ETF launch
Zanoni says it catalyzes the launch of the background of XRP Stock Citation (ETF) as its first price catalyst. The report mentions Rex-Splay financial products, which were scheduled to make its market debut on September 12th, but was ultimately postponed this week.
As reported by Cryptonoticia, Products regulated under the 1940 Actmixes XRP with cash, treasure bonds and derivatives to provide a more monitored frame than traditional ETFs.
“When ETFs are introduced in cash, investors can obtain exposure to XRP without using physical wallets or cryptocurrency exchange platforms. Investors can obtain ETFs as if they were actions from standard securities accounts and through individual retirement accounts (IRAs),” says Zanoni.
In other words, launching a regulated XRP product makes this asset easier to access, in addition to providing more traditional investors with visibility.
Although the US is being paid attention, Brazil and Canada have already launched XRP funds.
In Brazil, the Hashdex NASDAQ XRP Index Fund (XRPH11) debuted on the B3 Stock Exchange in April, recreating the NASDAQ XRP index. In Canada, the target investment offered ETFs in cash. It has been approved by the Ontario Securities Commission and is available on the Toronto Stock Exchange, and provides a regulated exposure to cryptocurrency prices.
In the US, there are other financial products already linked to XRP, but according to Zanoni, “The debut of the first XRP ETF will increase your asset visibility, increase demand and increase prices.”
This is due to the operation of the ETF. The companies that manage them buy the underlying assets to support their actions. Therefore, if demand for these funds increases, companies will need to acquire more XRP in the market.
2. Bank approval
In July, Ripple requested a national banking license in the United States. Under the supervision of the Director-General of La Moneda (OCC), its Stablecoin Ripple USD (RLUSD)a living organism that regulates national banks.
Additionally, his subsidiary Standard Custody & Trust Company requested a master account for the Federal Reserve System. The company also proposed that licensing would allow cryptocurrency services to expand from the banking structure.
In the report, Zanoni clarifies some issues regarding the possibility of approval.
If approved, it will not give you the ability to issue a loan or accept deposits. However, they can oversee client funds, protect assets, and provide complementary financial products. This seems to be the way Ripple integrates vertically. With bank approval, Ripple was able to reduce third-party dependency.
Financial Markets Analyst David Zanoni.
Banking licenses allow faster and more economical settlements, Use RLUSD and intelligent contracts without relying on intermediary banks. This means that Ripple can directly promote payments and transfers and reduce costs and risks associated with intermediaries, thereby increasing its stability and efficiency of financial services.
And what does XRP have to do with all of this? good RLUSD is broadcast on Ethereum and XRP Ledger networksits native currency is XRP.
As demand for RLUSD increases, XRP ledger activity will also increase, which means that XRP usage will increase for committee payments. These operations create bullish impulses on prices.
In a dialogue with Cryptootics, John Murillo, B2Broker Business Director, a global provider of fintech solutions for financial institutions, highlights.
3. Possibility to capture rapid volumes
Here we need to explain that Swift (World Interbank and Financial Communications Society, in Spaning) is synonymous with international transfers, a global system that enables banks and other financial institutions to send and receive information about financial transactions slowly and securely.
Its main criticism relates to delayed transfers and high lawyer fees.
at the moment, Swift manages $150 billion per year with global payments. And this will feature Brad Garlinghouse, executive director of Ripple Labs.
“Getting 14% of that figure is equivalent to XRP, and we can pay $21 billion a year in 2030. Those $21 billion equals $580 million every year in global payment transactions,” Zanoni said.
However, despite Girlinghouse’s optimism, XRP is He has yet to integrate the “bank cryptocurrency” narrative.
Plus, there are rumors about possible integration between Ripple and Swift, but there have been no confirmation yet.
Given that Ripplenet, a global payments network, works without XRP, we must confirm whether XRP is part of this Agreement. This is used only to optimize transactions that are used to question the central role of cryptocurrencies in its ecosystem.
Murillo clarifies that “Ripple can exchange it immediately,” and states, “The integration is more likely, especially since integration is already testing tokenized payments. Ripple is, in short, if the bank license is approved, RLUSD is transparent, and capital entries will win ETFs and have confidence, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they are confident, so they
4. Railway acquisition
Ripple agreed to a $200 million acquisition in August 2025. It is a Stubcoinbase payments platform that provides virtual accounts and management infrastructure for your business.
The fusion allows customers to manage multiple types of payment and digital assets, including XRP and Ripple Stabrocoin. Intensive exchanges require no bank account or wallet.
“We see the Rail acquisition as an important strategic decision that will ripple on the pioneering of stablecoins adoption for global payments. This positions Ripple as a leader in the use of stable currency that could raise long-term XRP prices,” says Zanoni.
5. Interest rate reduction
Finally, analysts emphasized, “It will be interesting to see how XRP prices respond to the US Federal Reserve outcome and the launch of the first XRP ETF.”
On Wednesday, September 17th, the Federal Reserve Federal Markets Committee (FOMC) met to define US monetary policy.
Finally, The Fed will reduce interest rates by 25 basic points and place them in the 4-4.25% range. This decision was received as great news for risky assets such as cryptocurrencies.
In this regard, Zanoni said: “Reducing types could result in capital transfers to digital assets such as XRP. Some of the news could be discounted as investors were expecting a higher probability of type cuts.
Here we must add that as interest rates drop, the costs of debt also decrease, resulting in more liquidity in the system. When this happens, investors are exposed to market fluctuations, but are looking for greater returns on risky assets.
It is not unreasonable to see a strong injection of XRP if the Fed lowers the rate in the next few hours. And that definitely leads to its price upwards.
