Where is XRP trading right now?

Near $1.06 as of Friday, a 20-month low and down roughly 70% from the 2025 peak, with a 22% drop in June alone, per Crypto.News and U.Today.

What is Ripple Treasury?

Ripple's enterprise payments platform, which the company claims connects to 13,000 banks and provides visibility into roughly $12.5 trillion in payments flows.

What is the bull case for XRP?

A reclaim of $1.06 as support followed by a daily close above the $1.41 resistance wall, ideally on a confirmed U.S. spot XRP ETF approval or a closed SBI-Bitbank deal. Targets sit in the $1.80 to $2.00 zone.

What is the bear case?

A daily close below $1.00 opens $0.85 and then the $0.70 zone Crypto.News flagged as former 2023 resistance that could now act as long-term support.

Is the CryptoBeast score of 69 reliable here?

The 69 reading leans heavily on bullish sentiment from the Ripple Treasury and Standard Chartered news cycles. A token printing a 20-month low while scoring bullish is a divergence to watch, not a green light.

XRP Holds the $1 Line as Ripple Pitches Treasury Push to Banks

On-chain flows

XRP doesn't have the EVM-style on-chain dashboard traders use to pick apart ETH or SOL flows, but the XRP Ledger has its own tells. Exchange reserves bottomed near 2.55 billion tokens this month, a multi-quarter low that points to reduced sell-side inventory on order books. That's the constructive read.

The other read is utility. XRPL holds roughly $3.6 billion in tokenized real-world assets, excluding stablecoins, with growing exposure to tokenized energy commodities. Ledger activity surged 300% over a recent window on catalysts that haven't been fully attributed. SBI Holdings submitted a letter of intent to acquire Bitbank, a deal that, if closed, hands Ripple a deeper distribution channel into Japan. The activity-price spread is widening. Use is up. The token is down.

XRP closed Friday near $1.06, clinging to a floor bears have stress-tested all month, even as Ripple talked up a Treasury platform it claims connects 13,000 banks and offers visibility into $12.5 trillion in payments flow. The institutional pitch is loud. The spot tape hasn't bought it. XRP is down roughly 70% from its 2025 high, and every major moving average sits overhead.

By Elena Stojanović· AI-assisted· Regulation correspondent

Market context

Ripple spent the back half of June trying to refocus the narrative. The company highlighted what it called more than $70 million in donations to blockchain adoption efforts since the start of 2025, per a CryptoPotato writeup published Friday. Brad Garlinghouse went on the offensive against Michael Saylor's preferred-stock funding model, calling Strategy's STRC vehicle 'financial engineering' that distracted from real adoption, in remarks reported by CoinDesk. The pitch on Ripple Treasury is bigger still: 13,000 bank connections and visibility into roughly $12.5 trillion in payments. None of it has moved the chart.

XRP traded near $1.06 on Friday, a 20-month low and roughly 70% off the 2025 peak, according to a Crypto.News breakdown. The token shed 22% in June alone, per U.Today. Standard Chartered still carries an $8 price target into 2026, a call that now requires an eight-bagger from current levels. The gap between sell-side optimism and spot weakness is the story of XRP this quarter.

Technical setup

The technical picture is one-sided. Every major moving average sits overhead. Funding rates on perpetual futures have flipped to paying shorts, a configuration that historically precedes either a relief bounce or a final liquidation, per a Blockchain.News analysis published Friday morning. The $1.06 floor is the level of record. A clean break opens $0.99 first, then the $0.85 and $0.70 zones Crypto.News flagged as 2023-era former resistance that now sits as long-term support.

The bullish read hangs on a single mechanical setup. CryptoPotato cited analysts looking at the sub-$1.00 zone as a 'risk-reward' entry, with prior resistance from 2023 and 2024 acting as deep support. U.Today flagged a historical Q3 pattern where July has often delivered a recovery, with a target zone near $1.40. That level aligns almost exactly with the $1.41 resistance wall that has capped every bounce attempt since the spring breakdown. Reclaim $1.41 on a closing basis and the squeeze trade opens up. Lose $1.00 and the bid evaporates.

On-chain flows

XRP Holds the $1 Line as Ripple Pitches Treasury Push to Banks

Market context

Technical setup

On-chain flows

Sentiment

Scenarios

Risks

Disclaimer

Key takeaways

Frequently asked

Sources