XRP Final Move of 2025 Is Coming: Web3 Expert Explains XRP Road to $25

A notable Web3 researcher believes XRP is set for a massive breakout before the year ends, with upside potential approaching 10X.

XRP is currently trading at $2.82 after dipping 6% over the past day, falling below the $3 level. However, this latest dip has not dampened investor optimism around the asset.

ETF Frenzy to Ignite Wall Street Demand

Meanwhile, about seven spot XRP ETF applications are currently under review. Interestingly, prediction market data shows a 95% chance of approval by mid-October.

Phantom DeFi believes that these ETFs could unlock trillions in institutional liquidity, creating the kind of Wall Street ignition moment that could dramatically increase demand for XRP.

RLUSD Stablecoin Expands Global Reach

Also, Ripple’s U.S. dollar–backed stablecoin, RLUSD, is already live in the United States. The company has announced plans for RLUSD to enter Japan in Q1 2026 through its partner, SBI.

Fully backed by U.S. Treasuries and bank deposits, and audited monthly, RLUSD strengthens the XRP Ledger as a settlement layer for institutions worldwide.

Ripple on the Verge of Becoming a Bank

Ripple is also close to securing a New York banking charter and is awaiting approval for a Federal Reserve master account.

Approval would effectively position Ripple as a bank directly connected to the Fed’s settlement system, which is an unprecedented step for a blockchain company. Given the implications, Ripple is facing resistance from the traditional banking sector over the approval.

Traditional Finance Quietly Integrating XRPL

Meanwhile, major financial institutions are already integrating Ripple’s technology. Specifically, Franklin Templeton is exploring tokenized funds on the XRPL; DBS is working on RLUSD expansion in Asia; and BBVA is developing custody services on Ripple infrastructure.

According to Phantom DeFi, these moves signal a quiet onboarding of trillion-dollar institutions.

The analyst also noted that the macroeconomic environment is aligning in XRP’s favor. With U.S. debt exceeding $35 trillion and growing concerns about the long-term trustworthiness of the dollar, global institutions like the BIS and IMF are increasingly advocating for blockchain-based settlement systems.

Path to $25 by December

Phantom DeFi believes that September 2025 is the calm before the storm. He forecasts that XRP could break $25 by December, potentially “rewriting financial history.”

For investors, he describes this as a once-in-a-century asymmetric opportunity if the catalysts align as expected.

Other XRP commentators suggest the token could create more millionaires by the end of the year due to the powerful catalysts lined up.

However, some conservative voices believe XRP may only reach $5 by the end of 2025.