XRP Price Prediction: TradFi View Shows Investor Hesitation – Is XRP a Top-Four Asset No More?

XRP is trading at $2.24, down 0.70% over the past 24 hours, with a market cap of $134.7bn, holding its position as the fourth-largest cryptocurrency. But the broader tone around the asset has clearly shifted. Fresh regulatory developments in Washington, a widening gap between TradFi sentiment and crypto-native enthusiasm, and XRP’s own technical structure all point to a market at a turning point.

The question now is whether XRP can maintain its top-four status, or whether shifting investor appetite could force a repricing of expectations.

SEC Signals Faster Crypto ETF Approvals

The SEC has issued new guidance allowing ETF issuers to accelerate filings delayed during the recent government shutdown, the strongest sign yet that regulators are prepared to move faster on crypto products.

The timing is meaningful. Bitwise, already successful with its Bitcoin and Ethereum ETFs, is actively pursuing an XRP ETF. While the SEC has long been cautious with Ripple-related products, recent court rulings confirming XRP is not a security in secondary markets have strengthened the token’s regulatory footing.

🚨BULLISH: SEC may FAST-TRACK crypto ETFs and $XRP could be next.

SEC's new guidance lets issuers accelerate filings delayed by the shutdown, with Bitwise’s $XRP ETF potentially next, says analyst @EricBalchunas. pic.twitter.com/5tTmLcFhfU

— Coin Bureau (@coinbureau) November 15, 2025

Bloomberg and Coin Bureau analysts note that the SEC’s new “fast-track lane” could place Bitwise’s XRP filing near the front of the queue. Approval would mark the first major institutional product tied to Ripple’s ecosystem and could help stabilize sentiment at a time when TradFi flows appear hesitant.

Key Drivers to Watch:

• SEC’s accelerated approval window
• Bitwise’s ETF momentum from BTC and ETH
• Market appetite for alternative large-cap digital assets

Institutional Appetite Softens as Market Rotates

Despite regulatory optimism, XRP faces a shift in traditional portfolios. Several macro desks have reduced exposure to large-cap altcoins, noting that returns in 2025 have favored Bitcoin, Solana, and AI-linked tokens instead.

Ripple’s global partnerships, especially in cross-border settlement, continue to expand, but this has not fully translated into sustained market demand. The chart reflects that hesitation: a wide consolidation band, lower short-term highs, and declining volume.

Even so, analysts argue that XRP’s broader structure remains intact, and any ETF progress could quickly reinvigorate institutional interest.

XRP Technical Forecast: A Symmetrical Squeeze Nears Resolution

XRP price prediction remains neutral as XRP is compressing inside a clean symmetrical triangle, trading near $2.24. The rising trendline from late October continues to attract buyers, evidenced by repeated long lower wicks. But the 20-EMA is still capping rallies, and the sequence of lower highs shows persistent pressure from sellers.

The RSI near 40 confirms fading momentum with no bullish divergence yet, a signal that traders remain cautious until the market breaks structure.

A breakout needs a daily close above $2.33, opening the path toward $2.52 and potentially $2.69, the triangle’s measured target. A breakdown below $2.19 could trigger a slide to $2.06, the next major liquidity pocket.

With ETF speculation building and crypto narratives rotating into new themes, including AI-focused chains and early-stage presales, an upside break in XRP could ignite broader altcoin momentum.

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