XRP enters the new week around $1.36 after losing roughly 3.5% last week, but the price remains inside the broader range that has controlled trading for much of September.
In our previous weekly outlook, the base case was that XRP would continue oscillating between roughly $1.33 and $1.48 until either buyers or sellers took control. That proved to be a good read: XRP stayed inside that zone and is now trading much closer to its lower boundary.
The question for this week is whether the $1.33–$1.35 area can once again attract buyers, or whether XRP is finally preparing to leave this range on the downside.
What you'll learn 👉
XRP Price Remains Trapped Below $1.40
The 2-hour XRP/USDT chart shows a market that has struggled to maintain directional momentum.
XRP traded as high as roughly $1.55 in late August before gradually weakening. It found a local bottom near $1.3085 on September 2, rebounded toward approximately $1.47, and then spent much of the following week moving sideways between the mid-$1.30s and low-$1.40s.
A second attempt to move higher around September 11 briefly pushed the XRP price above $1.40, but the rally was quickly rejected. The token is now near $1.365.
That leaves immediate support around $1.35–$1.36, followed by the more important $1.33 area. The September low around $1.3085 is the next major level if that zone fails.
On the upside, $1.38–$1.40 is the first obstacle. XRP would then need to clear roughly $1.43–$1.45 before challenging the upper end of the recent range around $1.47–$1.48.
A breakout above $1.48 would materially improve the chart and could bring $1.50 and the late-August high near $1.55 back into play.
RSI, MACD and CCI Show XRP Lacks Strong Momentum
The momentum indicators support the idea that XRP remains stuck in consolidation.
The chart shows RSI readings clustered around 48–49. That is almost perfectly neutral and indicates neither buyers nor sellers currently have strong momentum. XRP is also nowhere near traditional overbought or oversold territory.
MACD is similarly subdued. The MACD line is only marginally above the signal line, while the histogram is barely positive. That leaves a mild bullish bias, but the readings are so close to zero that they do not yet provide evidence of a strong upside move.
CCI sits around +20.7, another essentially neutral reading. A move above +100 would indicate much stronger upside momentum, while a fall beneath -100 would point toward significant bearish pressure.
Taken together, all three indicators tell a similar story: XRP is consolidating rather than trending strongly.
For bulls, that means price itself needs to provide the next signal. A recovery through $1.40 and then $1.45 would be far more meaningful than the current indicator readings.
Read also: We Asked ChatGPT If XRP Can Reach $5 Before Bitcoin Reaches $150K
Ripple Has Institutional Credit as a Major XRPL Opportunity
While XRP’s price remains quiet, development around the XRP Ledger continues.
Ripple’s Head of Product for XRPL, Jasmine Cooper, has identified institutional credit as a potentially important use case for the network.
The upcoming lending architecture combines XLS-65 Single Asset Vaults with the XLS-66 Lending Protocol. Single Asset Vaults pool liquidity, while XLS-66 is designed to enable fixed-term, uncollateralized loans funded from those pools. Credit assessment and risk management remain offchain, while loan terms and repayment mechanics can operate on the ledger.
That design is aimed more at institutional credit markets than conventional crypto lending, where borrowers often have to post more collateral than the value of the loan.
An important qualification is that the amendments still depend on XRPL governance and activation requirements. Ripple’s documentation for Lending Protocol V1.1 describes the new version as extending Single Asset Vaults and the lending system with closed-ended vaults and updated cash-basis accounting.
If adopted and used at scale, the protocol could broaden what financial institutions can do directly on XRPL. But additional network functionality does not automatically create equivalent demand for XRP, so its effect on the token’s price will ultimately depend on actual adoption and how XRP is used within those markets.
Ripple Clarifies RLUSD’s Regulatory Structure
Ripple also published new guidance on how it views the regulatory framework surrounding stablecoins, using RLUSD as an example.
RLUSD is issued through Standard Custody & Trust Company, which operates under a New York Department of Financial Services limited-purpose trust charter. Its reserves are held separately from the issuer’s other assets, and BNY serves as the primary reserve custodian.
Ripple also received conditional approval from the Office of the Comptroller of the Currency in December 2025 to establish Ripple National Trust Bank.
The word “conditional” matters. Ripple’s own latest guidance stresses that this is part of a multi-stage federal chartering process rather than a completed national bank charter. If finalized, the structure would add federal OCC supervision on top of the existing New York framework rather than replacing it.
For XRP investors, the connection is indirect. RLUSD expansion can increase activity across Ripple’s broader infrastructure and XRPL, but greater RLUSD usage should not automatically be treated as direct XRP buying.
XRP Price Prediction for This Week
The highest-probability scenario remains continued range trading until the XRP price breaks one of its established boundaries.
Our base case for this week is XRP trading primarily between roughly $1.33 and $1.45, with the possibility of another attempt toward $1.47–$1.48 if buyers regain control above $1.40.
The bullish scenario starts with a sustained break above $1.40. Clearing $1.43–$1.45 would strengthen that move, while a breakout above $1.48 could open the door to $1.50 and eventually the recent $1.55 high.
That puts roughly $1.50–$1.55 as a realistic upper-end target for the week if XRP finally escapes the current range.
The bearish scenario begins below $1.33. A convincing breakdown there would put the September low around $1.3085 back in focus. Losing $1.30 would represent a much more significant deterioration and could expose the upper-$1.20s.
For now, however, XRP’s neutral RSI, flat MACD and subdued CCI don’t point to an imminent explosive move in either direction.
The key battle is therefore straightforward: bulls need to defend $1.33–$1.35 and reclaim $1.40. If they can do that, $1.45 and $1.48 become achievable this week, with $1.50–$1.55 representing the more optimistic scenario. If $1.33 fails instead, attention quickly returns to $1.30.
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