XRP Price Prediction: XRP Risks Drop Toward $0.65 After Support Break, While Long-Term Fundamentals Stay Intact

Despite fluctuations in recent trading sessions, analysts note that XRP’s fundamentals continue to exhibit resilience. Technical indicators suggest a temporary correction may be unfolding, yet Ripple’s strategic partnerships and measured regulatory engagement provide an enduring foundation for the token’s value.

Short-Term Technical Pressures

XRP has recently formed a bearish head-and-shoulders pattern, a common technical signal indicating potential downward momentum. Currently, the token is approaching critical support in the $1.68–$1.70 range.

A cryptocurrency strategist noted, “If support fails, XRP could move lower toward $0.65, though this is a conditional scenario rather than a certainty. Technical patterns like Elliott Wave counts vary widely across analysts, especially during corrective phases.”

XRP shows a temporary upward correction before likely resuming a deeper decline toward $0.65. Source: Texsla on TradingView

XRP’s recent upward correction has been described by traders as strong but potentially deceptive. The token’s push toward the upper resistance line near $2.47 reflects the retesting of prior levels. Analysts caution that breaches or rejections at these levels could trigger sharper, short-term reactions, but emphasize these are scenario-based observations, not definitive outcomes.

Historical XRP cycles also provide context: past corrective phases following technical tests often resolved over weeks rather than days, underscoring the importance of monitoring multiple indicators before concluding.

Ripple XRP Regulatory Developments Provide Long-Term Support

A significant factor underpinning XRP’s long-term outlook is ongoing regulatory engagement. In December 2025, the Office of the Comptroller of the Currency (OCC) issued a preliminary conditional approval allowing Ripple to explore a national trust bank charter.

It is important to clarify that this approval is conditional and does not guarantee full operational or commercial status. Analysts widely interpret it as a meaningful signal of regulatory engagement rather than an immediate impact on XRP adoption.

The OCC’s December 2025 conditional approval of Ripple is seen as bullish for XRP, though community opinion remains split. Source: ChartNerd via X

Cryptocurrency commentator ChartNerdTA noted, “The conditional approval may encourage strategic accumulation, but market participants should recognize the timeline and remaining regulatory steps before assuming broad operational benefits.”

While short-term price fluctuations remain, Ripple’s measured regulatory progress, combined with potential institutional integration, distinguishes XRP from purely speculative digital assets.

Macro Context: Ripple XRP and the Global Payments Transformation

XRP’s long-term relevance also stems from its structural role in cross-border payments. Ripple positions XRP as a bridge currency that enables faster and lower-cost settlements compared to traditional banking systems.

Amid global concerns over monetary policy tightening, rising transaction costs, and liquidity management, XRP offers a technological solution for financial efficiency. Market analysts observe that institutional adoption, such as banks integrating Ripple XRP into their payment networks, could provide stability during periods of macroeconomic volatility.

One payments-focused analyst commented, “XRP’s utility in cross-border settlements makes it sensitive to global financial cycles but positions it to benefit from structural banking shifts if adoption expands.”

Community Sentiment and Price Cycles

Historical analyses suggest XRP may follow multi-year fractal patterns. Overlays of XRP’s 2017–2025 price history indicate recurring cycles, potentially pointing to bullish phases in the medium to long term. Analysts note, however, that such projections are conditional on regulatory clarity, adoption trends, and market sentiment.

XRP’s 4-year cycle suggests a 2028 rally to $8–$10, amid short-term risks and community skepticism. Source: BRUH via X

Community sentiment remains divided. While some investors see cyclical gains ahead, others emphasize that XRP’s volatility often reacts more strongly to news events and regulatory developments than to technical cycles alone. XRP’s price movements are often influenced more by announcements and news events than by predictable fractal patterns.

XRP Price Forecast and Outlook

In the short term, XRP’s price remains under pressure, with technical analysis suggesting a corrective path toward $0.65–$0.70 if support breaks. Resistance near $2.47 may temporarily constrain upward moves. Traders should treat these scenarios as conditional frameworks rather than deterministic outcomes.

XRP was trading at around $1.661, down 3.60% in the last 24 hours at press time. Source: XRP price via Brave New Coin

Long-term fundamentals remain intact. Ripple XRP regulatory engagement, institutional partnerships, and macro-level utility in global payments support a cautious but optimistic outlook. Analysts advise separating short-term trading risk from the investment thesis, emphasizing that long-term value is influenced by adoption, market structure, and regulatory execution rather than short-term price swings.