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AI XRP price prediction for July 31, 2025

AI predicts XRP price for July 31, 2025

XRP surged sharply on Wednesday, rising from $2.17 to $2.28 and adding more than $6 billion in market cap in under 24 hours. 

The rally was driven by Ripple’s announcement that it has formally applied for a U.S. national banking license with the Office of the Comptroller of the Currency (OCC), as well as a Master Account with the Federal Reserve, a move that could position the firm as a regulated crypto-native bank.

XRP price analysis 

At press time, XRP traded at $2.29, up 5.51% on the day, with 24-hour trading volume soaring 58.47% to $4.63 billion, signaling renewed market interest. The token has now broken toward the upper end of its recent price range ($2.08 to $2.30), and is approaching key resistance levels that, if breached, could validate a breakout.

XRP 1-day price chart. Source: TradingView

Technical signals are also aligning. On the 4-hour chart, XRP is attempting to break through horizontal resistance near $2.30, with a breakout target of $2.55 in sight. The RSI sits just above 63, suggesting strong momentum but not yet overbought, a potentially bullish setup.

Momentum isn’t just technical. Nasdaq-listed Webus International revealed this week it secured a $100 million conditional funding deal from Ripple Strategy Holdings to build out a treasury-backed XRP loyalty and payments program, with a $300 million mandate in play. 

Meanwhile, analyst Nate Geraci noted that Ripple’s push for bank-level access and the SEC’s recent crypto ETF rulings may ultimately clear a path for an XRP spot ETF. 

“The floodgates open once the regulatory framework is ready,” he said, even though the Grayscale XRP Trust still awaits final approval. 

XRP Price Forecast for July 31, 2025

Taking into account Ripple’s regulatory push, breakout chart structure, surging volume, and rising institutional activity, ChatGPT estimates XRP will likely trade between $2.48 and $2.65 by July 31, 2025, assuming continued bullish momentum and no adverse macro news.

The forecast is based on sustained breakout above the $2.30 resistance zone, pushing toward the technical breakout target of $2.55–$2.60. Institutional demand from Ripple-backed initiatives like Webus, and improved market sentiment if Ripple’s banking application progresses or ETF frameworks advance.

A failure to break and hold above $2.30, however, could send XRP back toward consolidation in the $2.08–$2.20 range before another breakout attempt.

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