XRP Price Forecast - XRP-USD Jumps to $2.32 as $500M Funding and Whale Retreat Fuel Recovery

Ripple (XRP-USD) Price Analysis: XRP Climbs to $2.32 as Institutional Flows Offset Bearish Technicals

XRP Rebounds to $2.32 After Sharp Pullback

Ripple’s XRP (XRP-USD) has staged a modest recovery, rising 4.9% to $2.32 as of November 7, 17:38 UTC, after dipping to an intraday low of $2.17 earlier in the session. The rebound follows a volatile week that saw XRP briefly lose its footing below $2.20 amid profit-taking and broader weakness across the crypto complex. The renewed strength comes just days after Ripple’s high-profile Swell conference and a $500 million funding round, which together underline growing institutional engagement even as traders confront short-term technical headwinds.

Institutional Positioning Deepens After $500 Million Funding Round

Ripple’s latest financing — led by Citadel Securities, Fortress Investment Group, and several crypto-focused funds — lifted its private valuation to roughly $40 billion. Executives emphasized that the capital will fuel mergers, acquisitions, and further integration of Ripple’s XRP-based payment rails rather than preparation for an IPO. President Monica Long reiterated that the company remains liquid enough to expand organically, confirming “no IPO timeline.”

The financing also strengthens Ripple’s grip on its 34 billion XRP treasury, valued near $79 billion at the current $2.32 market price. Investors reportedly structured part of the deal around access to those reserves, reflecting Wall Street’s growing view of XRP not merely as a speculative token but as an institutional settlement asset in a rapidly formalizing crypto-payments landscape.

Technical Picture: Death-Cross Risk vs. Shrinking Exchange Supply

While XRP’s short-term chart remains fragile, the underlying supply dynamics are turning favorable. The 50-day exponential moving average (EMA) is sliding toward the 200-day EMA, forming the basis of a potential death cross that typically signals extended downside pressure. The RSI sits near 37, suggesting momentum fatigue after the October rally.

Yet on-chain data paints a contrasting picture. CryptoQuant reports that whale-to-exchange transactions have plunged from nearly 49 000 in late October to fewer than 1 000 this week. That drop in large transfers implies fewer coins entering trading venues, easing potential selling pressure. The move of XRP into long-term custody wallets hints at steady institutional accumulation rather than speculative liquidation.

Ripple’s RLUSD Expansion Reinforces Real-World Use Case

Ripple’s shift from litigation to utility continues to redefine its valuation. Following more than $200 million in legal expenditures fighting the SEC case, the company launched RLUSD, a dollar-backed stablecoin now exceeding $1 billion in circulation. Partnerships with Mastercard, Gemini, and WebBank are extending RLUSD across settlement networks using the XRP Ledger (XRPL), anchoring Ripple’s transition into a regulated fintech infrastructure provider.

Ripple’s ecosystem now commands roughly 8 % of the global crypto-payments market, trailing only Bitcoin and Ethereum. Data show that 43 % of e-commerce gateways already support crypto payments, while 68 % of leading issuers offer crypto-linked debit or credit cards. This wave of mainstream payment adoption bolsters the argument that XRP’s medium-term valuation will hinge more on transaction throughput than on speculative volume.

Market Sentiment: Retail Silence, Institutional Accumulation

Retail participation remains muted. Trading-forum engagement and social sentiment are both down about 25 % month-over-month, signaling exhaustion among short-term speculators. Conversely, institutional desks appear to be using the lull to build exposure. Open-interest metrics from derivatives platforms have fallen nearly 40 % since August, clearing excess leverage and setting the stage for spot-driven moves once catalysts return — such as a potential XRP ETF or expanded On-Demand Liquidity (ODL) usage.

XRP Price Outlook: Sideways Consolidation Before a Break

For now, XRP trades in a well-defined band between $2.10 support and $2.45 resistance. A decisive close above $2.45 – $2.50 could trigger momentum buying toward $2.80, while a failure to defend $2.05 risks a pullback to the $1.80 zone — historically a key accumulation area. Analysts modeling Ripple’s expanding payment volumes project that, under bullish conditions, XRP could approach $3.50 by 2026.

Verdict: HOLD — Structural Bullishness Behind a Technical Pause

Despite short-term caution signals, XRP (XRP-USD) continues to show fundamental resilience. The combination of institutional inflows, declining exchange supply, and growing real-world payment integration offsets the bearish overhang from the looming death cross. With price stabilizing near $2.32, the path forward appears range-bound in the near term but structurally bullish over the next 12–18 months.

Recommendation: HOLD —with Bullish Bias targeting $2.80 – $3.50 by 2026.

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