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XRP trades around $1.10, down 70% from its $3.65 peak, while monthly escrow releases and $1.45 bn ETF buying shape its three‑year outlook.
XRP fell to about $1.10 on June 24 2026, roughly 70% below its July 2025 high of $3.65, as the token grapples with a steady escrow release and mixed demand from new spot ETFs【2】.
| At a glance | |
|---|---|
| Price | $1.10 |
| 24‑h change | –0.3% (approx.) |
| Key level | $1.00 support; $3.65 July 2025 peak |
| Catalyst | Monthly escrow unlocks vs. $1.45 bn spot ETF inflows |
Ripple unlocks about 1 billion XRP each month from its 38 billion‑token escrow, re‑locking most and leaving a few hundred million on the market【2】. With roughly 72 billion XRP expected in circulation by 2029, the drip adds new supply for years. Analyst Bill Morgan has urged Ripple to accelerate releases, arguing that a faster supply flow could depress price if demand stalls【2】.
At the same time, spot XRP ETFs that launched in late 2025 have attracted roughly $1.45 bn of capital, a flow that persisted through the 2026 sell‑off while Bitcoin and Ethereum funds saw outflows【2】. The amount of XRP held on exchanges fell to its lowest in about seven years, suggesting holders are moving coins to long‑term storage rather than preparing to sell【2】. These opposing forces—steady supply versus ETF buying and reduced exchange inventory—create a narrow floor for the token’s price.
Ripple’s payments network moved over $95 bn in total volume across more than 70 currency corridors, yet only about 40% of institutions on the network use XRP for settlement; the rest rely on Ripple’s own stablecoin, RLUSD, now worth roughly $1.7 bn【2】. The launch of RLUSD in late 2024 introduced a less volatile bridge alternative, potentially cannibalizing XRP’s role as a bridge currency【1】.
Legal headwinds have eased: the SEC lawsuit that kept XRP below $1 for years concluded in 2025 with a lighter fine, leading to relisting on major exchanges and approval of the first spot‑price XRP ETFs【1】. Despite these tailwinds, macro factors—tight monetary policy, geopolitical tensions, and a crypto market that now tracks the S&P 500 with a 0.96 correlation—have kept broader sentiment bearish, pulling XRP down whenever Bitcoin retreats【2】.
Three paths are outlined for the next three years. A bullish case—CLARITY Act passage, larger ETF inflows, and banks adopting XRP—could push the token to $6‑$15, implying a market cap above $700 bn【2】. A more conservative base case expects modest ETF growth and continued RLUSD use, keeping XRP near its July 2025 high of $3.65 or into low single‑digit dollars【2】. A bearish scenario, with ongoing supply drips, stalled regulatory progress, and a high‑rate Fed, could see XRP linger around $0.80‑$1.50, roughly where it trades today【2】.
XRP’s price now reflects a tug‑of‑war between a predictable supply drip and the limited but growing demand from ETFs and a shrinking exchange inventory. Whether the token can reclaim its $3.65 high will hinge on regulatory clarity and the ability of Ripple’s network to make XRP the preferred bridge asset rather than a stablecoin substitute.
Coverage is mostly measured — 213 of 224 reports stay neutral.
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AI-assisted synthesis by the TrendWatcher Editorial Desk · sourced from 2 outlets · Jul 5, 2026 · How we report
As of the latest reports, XRP is trading in the $1.43 to $1.44 range following a period of volatility and a recent 27% weekly gain.
Recent SEC filings suggest that Ripple may deviate from historical patterns by releasing additional XRP from escrow to support on-ledger liquidity, pending legislative developments.
The 650% increase in active addresses suggests higher engagement from existing holders rather than a influx of new market participants.