Here’s Why Ripple’s New Banking Plan Could Send XRP Price to $4

XRP price could see massive spurt in buying pressure as bullish pattern edges closer to breakout amid Ripple's new banking strategy.
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Here’s Why Ripple’s New Banking Plan Could Send XRP Price to $4

Highlights

  • XRP price could trigger a massive rally to $4 if the 2020 fractal repeats.
  • Ripple’s new whitepaper outlines a new strategy to partner with small banks.
  • Whales that bought XRP in 2020 have loaded up on the remittance token and are waiting for a bull run.

XRP price has held up well against top cryptocurrencies like Bitcoin (BTC) Ethereum (ETH) and Solana (SOL). Additionally, it has outperformed BTC and ETH.  The recent price action for Ripple, however, points out a bullish pattern in play, which could result in a massive upside move if successful. Additionally, Ripple’s new banking strategy could serve as a tailwind to this rally, propelling XRP even higher.

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Ripple’s Banking Plans Could Boost XRP Price

The August 30 whitepaper shows Ripple is looking to bring its technology to small banks. Here’s how Ripple plans to do it:

  1. Faster & efficient payments by using Ripple’s real-time gross settlement system (RTGS) and blockchain technology.
  2. Removing intermediaries and reducing the cost and fees for businesses.
  3. Custom-tailored solutions that cater to the needs of small banks using Ripple’s xRapid and xCurrent products. 
  4. Leveraging XRP via On-Demand Liquidity (ODL) to facilitate real-time cross-border payments. 

All of these facilities from Ripple will help the small banks fight with the industry giants on equal footing. To some extent, the payments company has already kickstarted this project by partnering with banks in South East Asian and Middle Eastern countries. 

This bullish development, coupled with the favorable conclusion of the US Securities and Exchange Commission (SEC) vs. Ripple lawsuit, adds a tailwind for the XRP price to ascend higher.

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Will SEC Appeal?

After the conclusion of the SEC vs. Ripple lawsuit on August 7, the regulator or the defendant, in this case, Ripple, has 60 days to file an appeal. This lawsuit will be closed if the SEC does not file an appeal by October 7. 

Expert attorney Bill Morgan notes that the recent ruling in the SEC vs. Ripple and SEC vs. Kraken lawsuits suggest the courts are unlikely to consider crypto assets as securities. Morgan uses the rulings as the basis to suggest that the probability that the SEC will file for an appeal is low.

 

XRP Price Analysis: Bulls Likely to Step on Throttle Soon

The three lower highs and lower lows formed since July, suggest that XRP price is inside a falling wedge setup. A breakout above the upper trend line often results in a bullish move to the upside.

Interestingly, this setup was formed on XRP price in late 2019 and mid-2020. A breakout from this technical formation was followed by a 742% rally in Ripple price, which set up a local top at $1.96. This move was nothing short of impressive and could be repeated in 2024 as another bullish wedge formation appears.

Despite the conclusion of the SEC vs. Ripple lawsuit in favor of XRP and Ripple, the remittance token failed to rally. However, the recent banking strategy stands to improve the odds of a rally. Therefore, if history repeats, XRP price could rally nearly 600% and tag the $4 psychological level, a new all-time high. 

XRP/USDT 1-week chart

Adding credence to this bullish outlook for XRP price is the whales holding between 100K to 10M XRP tokens’ accumulation. These investors accumulated XRP just before the massive rally in 2020 and are following a similar trend today.

XRP Price vs. Supply Distribution

On the other hand, if XRP price breaches the $0.522 support level, it will create a lower low and invalidate the bullish thesis. Such a development could cause the XRP price to crash 26% to the lower limit of the wedge at $0.382.

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Frequently Asked Questions

How could Ripple's banking plans impact XRP price?

If successful, Ripple's banking plans could reflect positively on the company and its native token, XRP, potentially leading to a price breakout and a rally of nearly 600% to a new all-time high of $4.

What is Ripple's new banking strategy?

Ripple's new banking strategy involves partnering with small banks to offer faster and more efficient payments, remove intermediaries, and provide custom-tailored solutions using its xRapid and xCurrent products.

What is the current status of the SEC vs. Ripple lawsuit?

The SEC vs. Ripple lawsuit concluded on August 7, with a favorable ruling for Ripple. The SEC has 60 days to file an appeal, but experts believe the probability of an appeal is low based on recent court rulings.
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Akash Girimath

Senior Cryptocurrency Analyst & Market Strategist Engineer-turned-analyst Akash Girimath delivers data-driven insights on cryptocurrency markets, DeFi, and blockchain technology for platforms like AMBCrypto and FXStreet. Specializing in technical analysis, on-chain analytics, and risk management, he empowers institutional investors and retail traders to navigate market volatility and regulatory shifts. A hands-on strategist, Akash merges active crypto portfolio management with research on Web3, NFTs, and tokenomics. At AMBCrypto, he led cross-functional teams to redesign content frameworks, achieving record-breaking traffic growth through scalable editorial strategies. His analyses dissect market sentiment, investment strategies, and price predictions, blending macroeconomic trends with real-world trading expertise. Known for mentoring analysts and optimizing workflows for high-impact reporting, Akash’s work is cited across global crypto publications, reaching 500k+ monthly readers. Follow his insights on YouTube, X, and LinkedIn for cutting-edge perspectives on decentralized ecosystems and crypto innovation.

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