XRP is steadily climbing above the $2.17 threshold, demonstrating resilience even as broader market momentum cools. While price movement appears modest—with only a 0.28% gain in the past 24 hours—its sharply declining trading volume tells a more compelling story. Volume has dropped nearly 13% to approximately $2.63 billion, a signal many analysts interpret as strategic accumulation by large investors ahead of a potential breakout.
Despite the subdued surface activity, XRP has advanced 1.49% over the past week, pushing its market capitalization past $129 billion. This quiet strength, paired with key on-chain metrics and evolving macroeconomic conditions, suggests that a more significant upward movement could be on the horizon.
On-Chain Metrics Reveal XRP Undervaluation
One of the most telling indicators of XRP’s current position is its Market Value to Realized Value (MVRV) Z-score, which stands at 2.13. This metric helps determine whether an asset is overvalued or undervalued relative to its historical norms. For XRP, overvaluation typically begins when the Z-score exceeds 3.45, with peaks historically reaching around 6.72.
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At its January peak near $3.25, the Z-score surged to 6.65—immediately followed by a correction. Today’s significantly lower score indicates that XRP remains fundamentally undervalued, creating fertile ground for a strong upward revaluation.
This valuation gap aligns with Ripple’s ongoing expansion of the XRP Ledger’s real-world utility. Recent developments, including the integration of stablecoins like RLUSD and the adoption of USDC for cross-border transfers via Uphold, are strengthening XRP’s underlying value proposition.
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Whale Transactions Drop to Zero: A Sign of Confidence?
A striking shift in whale behavior has caught the attention of on-chain analysts. Data from CryptoQuant shows whale-to-exchange transfers on Binance plummeting from 2,716 two days ago to zero today. This sudden halt suggests that major holders are no longer offloading XRP—instead, they may be accumulating in anticipation of higher prices.
When whales stop sending coins to exchanges, it often signals confidence in future price appreciation. With fewer tokens available for immediate sale, supply tightens, potentially amplifying price movements once buying pressure resumes.
This accumulation phase could be influenced by macroeconomic expectations. Markets are pricing in a potential Federal Reserve interest rate cut between July and September 2025, which could drive capital into risk-on assets like cryptocurrencies. XRP, with its growing institutional relevance, stands to benefit significantly from such a shift.
Technical Indicators Point to Imminent Breakout
From a technical perspective, XRP is forming a bullish setup that could catalyze a strong Q3 rally.
The Chaikin Money Flow (CMF) has recently crossed above the zero line—a clear sign of increasing institutional buying pressure. Simultaneously, price action is compressing within a falling wedge pattern, a classic bullish consolidation structure often followed by explosive breakouts.
The Moving Average Convergence Divergence (MACD) has also generated a bullish crossover, reinforcing the case for upward momentum. If XRP breaks through immediate resistance at $2.25, the next targets come into focus: $2.69 and, eventually, the yearly high near $3.40.
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Analyst Zach Rector has added weight to this outlook through Elliott Wave analysis, suggesting that XRP has completed its Wave 2 correction. If accurate, Wave 3—the strongest and most extended phase—could propel XRP to new highs in the coming months.
U.S. Mortgage Policy Opens New Doors for Crypto Adoption
In a landmark development, the Federal Housing Finance Agency (FHFA) has directed government-backed mortgage enterprises Fannie Mae and Freddie Mac to consider cryptocurrency holdings—including XRP, Bitcoin, and Ethereum—when evaluating home loan applications.
This policy shift marks a pivotal moment in mainstream crypto adoption. For the first time, digital assets are being formally recognized in consumer finance frameworks backed by U.S. federal agencies.
FHFA Director Bill Pulte stated: “This marks a major step toward fulfilling the vision of making the United States the global capital of crypto.” By legitimizing crypto as part of personal net worth assessments, the move enhances XRP’s credibility and expands its utility beyond speculative trading.
Ripple Expands Real-World Use Cases for XRP
Ripple continues to drive adoption of the XRP Ledger through practical financial applications. From cross-border payments to enterprise liquidity solutions, the network is proving its value in global finance.
The launch of RLUSD and integration of USDC on XRPL are enabling seamless transactions for both institutions and retail users. As noted by Bitstamp’s Leonard Hoh, these developments are driving real-world utility and increasing demand for XRP-based infrastructure.
These advancements also strengthen Ripple’s position in ongoing regulatory discussions, particularly amid the SEC lawsuit. Demonstrating tangible use cases may influence how U.S. regulators view XRP’s classification—not as a security, but as a functional digital asset with broad economic utility.
FAQ: Your Top XRP Questions Answered
Q: Is XRP currently undervalued?
A: Yes. With an MVRV Z-score of 2.13—well below overvalued thresholds—XRP appears fundamentally undervalued compared to historical levels.
Q: What does low trading volume mean for XRP?
A: Declining volume during price stability often signals accumulation by whales, reducing sell-side pressure and setting up potential breakouts.
Q: Can XRP break above $3 in 2025?
A: Technically and fundamentally, it's possible. A breakout above $2.25 could open the path to $2.69 and beyond, especially with macro tailwinds and adoption growth.
Q: How does U.S. mortgage policy affect XRP?
A: It legitimizes crypto as part of personal wealth, boosting confidence and opening new financial use cases for XRP holders.
Q: What role do whales play in XRP’s price movement?
A: Whales control large supply portions; their shift from selling to holding reduces market supply and often precedes strong rallies.
Q: Is Ripple’s lawsuit impacting XRP adoption?
A: While uncertainty remains, real-world utility and policy shifts are helping separate XRP’s market value from legal proceedings.
Q3 Outlook: The Calm Before the Storm?
With converging signals—technical bullishness, favorable policy changes, on-chain accumulation, and expanding use cases—XRP is entering a critical phase in 2025.
If current accumulation continues and resistance levels break, XRP could retest previous highs or even enter uncharted territory. The combination of regulatory clarity, investor optimism, and macroeconomic stimulus may define the next leg of XRP’s journey.
As digital assets become increasingly embedded in traditional finance—from mortgage underwriting to banking products—XRP is uniquely positioned to benefit from this integration wave.
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The coming months may not only redefine XRP’s price trajectory but also reshape perceptions of its long-term value in the global financial system. Whether driven by technology, policy, or market dynamics, one thing is clear: XRP’s moment may be closer than it appears.