XRP Price Prediction: Ripple Cleared to Scale Payments Across Europe — Will XRP Hit $3 Next?

Ripple, the XRP parent company, has today been cleared to scale payment across Europe after it secured the Electronic Money Institution (EMI) license from Luxembourg’s Commission de Surveillance du Secteur Financier (CSSF).

The XRP price prediction suggests that the EMI approval would enable Ripple to offer cross-border payments, potentially pushing its token price toward $3.00.

EU License Enables Real-Time Payment Infrastructure

According to an official release, the EU license helps Ripple support EU institutions transitioning from legacy technology to seamless, real-time, 24/7 payments.

“The EU was amongst the first major jurisdictions to introduce comprehensive digital assets regulation, which provides the certainty financial institutions need to move blockchain from pilots to commercial scale,” said Monica Long, President at Ripple.

We’re on a roll with licensing momentum! 📷 @Ripple has secured preliminary approval for an EMI license from Luxembourg’s CSSF. This is a major milestone that will allow us to scale Ripple Payments across all 27 EU and EEA member states.
Huge congrats to the team for years of… https://t.co/FYWHRmf99N

— Stuart Alderoty (@s_alderoty) January 14, 2026

The Luxembourg approval follows last week’s announcement that Ripple received its EMI license and Cryptoasset Registration from the UK’s Financial Conduct Authority.

These EU and UK licenses expand Ripple’s portfolio to more than 75 regulatory licenses worldwide, making it one of the most licensed crypto companies globally.

Ripple Payments continues scaling globally, reaching over 90% of daily FX markets and processing over $95 billion in volume to date.

This regulatory progress has reflected in token price appreciation.

In the last 18 months, XRP experienced more than 200% rise in price and is currently trading around $2.13 with a nearly $130 billion market cap as the 5th largest crypto asset.

Despite consolidation, Ripple is up over 13% in 2026. Analysts observe it’s preparing for another rally above $3.00.

A Hyperliquid whale was spotted opening nearly $2 million LONG position on XRP with 20x leverage at approximately $2.12, showing smart money is returning to ride the next rally.

XRP Price Prediction: Weekly Chart Shows Corrective Structure

The 1-week XRP chart displays market correcting within a broader bullish structure, with price stabilizing above critical $2.00 support.

XRP trades around $2.10-$2.15, holding above both the psychological $2.00 level and rising base, suggesting buyers defend higher lows despite prolonged pullback.

The descending trendline from the previous cycle high remains dominant resistance, capping price action.

The $3.05 region stands out as the most important upside level, marking a prior breakout zone and a major liquidity area.

Previous rallies of roughly 70% and 38% both stalled here, reinforcing it as a key supply zone.

Price is compressing within a tightening range, which often precedes directional movement.

RSI holds in mid-40s, indicating neutral momentum but no panic selling.

Historically, XRP builds bases in this RSI region before resuming upside when price holds major support.

The 9-week SMA is flattening near the current price, suggesting selling pressure is fading, and the market is transitioning from distribution into accumulation.

If XRP holds above $2.00 and reclaims the descending trendline with a strong weekly close, the probability increases for a push toward $2.70-$3.05 resistance.

A clean break above $3.05 would confirm trend shift and open pathways for larger expansion.

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