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Live Ripple USD price today in USD
As of September 15, 2025, Ripple's XRP is trading at $3.03 USD, reflecting a stable performance in the cryptocurrency market.
Recent Price Performance
Over the past month, XRP has demonstrated resilience. On August 29, 2025, it was priced at $2.967, and by September 2, it slightly decreased to $2.752. This indicates a modest fluctuation, suggesting a consolidation phase.
Technical Analysis
XRP has been trading within a range of $2.75 to $2.85, maintaining a crucial support zone. The 20-week Simple Moving Average (SMA) has provided a sturdy floor between $2.70 and $2.80. Momentum indicators, such as the stochastic oscillator, have signaled oversold conditions, hinting at potential bullish reversals. Current resistance levels are observed at $3.20 to $3.33, with the all-time high at $3.66 still capping upside movements.
Factors Influencing XRP's Price
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Institutional Interest and ETF Developments: The anticipation of a U.S.-listed spot ETF for XRP has been a significant driver of institutional interest. Applications from major asset managers have increased the probability of approval to 92% before year-end. An approved ETF could simplify access for traditional investors, potentially creating a structural demand base and driving prices higher.
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Whale Accumulation: Large holders, or 'whales,' have been accumulating XRP. Wallets holding between 10 to 100 million XRP have added 340 million tokens in two weeks, raising collective holdings to 7.84 billion. Such accumulation often precedes significant price movements, indicating confidence among large investors.
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Regulatory Environment: Recent statements from the SEC and CFTC have clarified that exchanges registered under both agencies may list and trade spot crypto commodities without facing new prohibitions. This regulatory clarity supports XRP's market access and could positively influence its price.
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Macro-Economic Factors: The broader economic environment, including potential Federal Reserve rate cuts, can impact cryptocurrency markets. Lower interest rates may drive investors towards digital assets like XRP as alternative investments.
Investor Outlook
Given the current technical setup and external factors, XRP appears poised for potential upward movement. Clearing resistance levels at $3.20 to $3.33 could open the door to targets of $3.50 and potentially $5.00 by year-end. However, investors should remain cautious of support levels at $2.75 and $2.80, as a breakdown below these could expose the price to further declines.
In conclusion, XRP's current price performance reflects a balance between consolidation and potential bullish momentum. Institutional interest, regulatory developments, and macro-economic factors will play crucial roles in shaping its trajectory in the coming months.
As of September 15, 2025, the cryptocurrency market is experiencing notable developments across various sectors, including regulatory changes, market movements, and significant corporate actions. This report provides a comprehensive overview of the day's key events.
Market Overview
The cryptocurrency market is witnessing a downward trend today. Bitcoin (BTC) is trading at $114,903, down 1.04% from the previous close, with an intraday high of $116,702 and a low of $114,757. Ethereum (ETH) stands at $4,524.96, a 3.06% decrease, fluctuating between $4,670.82 and $4,510.54. Other major cryptocurrencies, including Binance Coin (BNB), XRP, and Cardano (ADA), are also experiencing declines.
Regulatory Developments
United Kingdom's Stablecoin Regulations
The Bank of England has proposed new regulations to cap individual stablecoin holdings between £10,000 and £20,000, and business holdings at £10 million. This initiative aims to protect the banking system from potential deposit outflows. However, cryptocurrency groups argue that these restrictions could hinder the UK's competitiveness in the digital asset sector.
U.S. Securities and Exchange Commission's Policy Shift
SEC Chairman Paul Atkins announced a significant shift in the agency's enforcement approach. The SEC will now notify businesses of technical violations before taking action, aiming to restore market confidence and ensure regulatory fairness. This change reflects a more lenient stance towards cryptocurrency regulations under the current administration.
Corporate Actions
Gemini's Successful IPO
Cryptocurrency exchange Gemini has raised $425 million through its U.S. initial public offering, pricing shares at $28 each. The IPO attracted demand exceeding 20 times the available shares, indicating strong investor interest and renewed optimism in the cryptocurrency sector.
Nasdaq's Move Towards Tokenized Securities
Nasdaq has filed a proposal with the SEC to allow trading of tokenized securities on its main market. If approved, this would make Nasdaq the first major U.S. stock exchange to embrace tokenized securities, integrating traditional and digital finance within the existing market system.
Market Trends
Decline in Bitcoin-Hoarding Companies
Shares in companies that have accumulated large amounts of Bitcoin are experiencing significant declines. For instance, Strategy's shares have dropped 18% in a month. This downturn marks the first major setback in the "crypto treasury" trend that gained momentum earlier this year.
Security Concerns
Bybit Exchange Hack
In February 2025, the Dubai-based cryptocurrency exchange Bybit was hacked, resulting in the theft of approximately 400,000 Ethereum, valued at about $1.5 billion at the time. The attackers exploited a vulnerability in a third-party wallet tool, leading to a sharp drop in cryptocurrency prices and prompting regulators to review exchange security measures.
Conclusion
Today's developments highlight the dynamic nature of the cryptocurrency market, influenced by regulatory changes, corporate actions, market trends, and security incidents. Stakeholders should remain vigilant and informed to navigate this evolving landscape effectively.
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About Ripple USD (RLUSD)
What Is Ripple USD (RLUSD)?
Ripple USD (RLUSD) is a United States dollar–pegged stablecoin created by Ripple, the company best known for developing the XRP Ledger and the digital asset XRP. Launched in December 2024, each RLUSD token maintains a fixed value of one U.S. dollar, backed by an equivalent amount of cash or cash-equivalent reserves such as short-term U.S. Treasuries. This structure aims to provide stability for transactions, trading, and payments, reducing the volatility common in many cryptocurrencies.
The stablecoin is issued by Standard Custody & Trust Company, LLC (SCTC), a Ripple subsidiary regulated by the New York Department of Financial Services (NYDFS). This regulatory oversight includes strict compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) standards, placing RLUSD in the category of regulated digital assets. Ripple launched RLUSD in late 2024 as part of its effort to expand its role in cross-border payments and digital finance.
Available on both the XRP Ledger (XRPL) and the Ethereum blockchain, RLUSD offers interoperability between two widely used blockchain ecosystems. On XRPL, RLUSD benefits from fast settlement and low transaction fees, while on Ethereum it functions as an ERC-20 token, allowing integration with a broad range of decentralized finance (DeFi) applications.
How Ripple USD Works
RLUSD operates as a fiat-backed stablecoin with a 1:1 reserve model. For every RLUSD token issued, an equivalent value in U.S. dollars or approved low-risk assets is held in segregated reserves at U.S.-based financial institutions. Independent certified public accountants conduct monthly attestations to verify the accuracy of these reserves. Public reports provide transparency on circulating supply, reserves, and token issuance or redemption.
On the XRP Ledger, RLUSD is implemented as an issued currency, enabling rapid and inexpensive transactions suitable for cross-border payments, remittances, and institutional settlements. On Ethereum, RLUSD follows the ERC-20 token standard, making it compatible with decentralized exchanges, lending protocols, and other smart contract–based services. This multi-chain approach gives users flexibility in choosing their preferred environment for storage, transfers, and integration.
RLUSD can be held in both custodial and non-custodial crypto wallets. Custodial wallets are managed by a third party, offering account recovery options and customer support but with less privacy. Non-custodial wallets give users full control over their private keys, increasing privacy and independence but requiring greater responsibility for security. The stablecoin is supported by a growing list of centralized exchanges, decentralized exchanges, and on/off-ramp providers.
Is Ripple USD Safe?
Several factors contribute to RLUSD’s security and reliability. First, SCTC’s NYDFS charter requires compliance with established U.S. financial regulations, offering a legal framework for operations. Second, the backing reserves consist of cash and high-quality liquid assets held at reputable institutions, with regular third-party attestations providing public proof of coverage. This reduces the risk of under-collateralization.
In addition, RLUSD smart contracts on Ethereum undergo independent audits to ensure they meet industry security standards. Ripple also maintains certifications such as SOC 2 Type II and ISO 27001, along with an active Threat and Vulnerability Management program. Users, however, must still follow best practices for digital asset storage. The safety of RLUSD in practice depends not only on its reserve model and compliance measures but also on the wallet security and operational practices of the holder.
Conclusion
Ripple USD (RLUSD) combines the stability of a fiat-backed digital currency with the versatility of blockchain technology. Its dual presence on the XRP Ledger and Ethereum allows for both fast, low-cost settlements and broad DeFi integration. With regulated issuance, transparent reserve reporting, and multi-chain support, RLUSD is designed to serve individuals, businesses, and institutions seeking a reliable digital asset for payments, trading, and settlement. As with all cryptocurrencies, prospective users should evaluate both the benefits and the operational considerations before holding or transacting with RLUSD.
Ripple, a prominent player in the blockchain and cryptocurrency sector, has made significant strides with the introduction of its U.S. dollar-backed stablecoin, Ripple USD (RLUSD). This initiative underscores Ripple's commitment to enhancing the utility and liquidity of the XRP Ledger (XRPL) and bridging the gap between traditional finance and digital assets.
Introduction to RLUSD
Announced in April 2024, RLUSD is pegged 1:1 to the U.S. dollar and is fully backed by U.S. dollar deposits, short-term U.S. government treasuries, and other cash equivalents. To ensure transparency and trust, Ripple has committed to monthly attestations of these reserve assets by a third-party accounting firm.
Market Context and Demand
The stablecoin market has experienced exponential growth, reaching approximately $150 billion in 2024 and projected to exceed $2.8 trillion by 2028. This surge reflects a clear demand for stablecoins that offer trust, stability, and utility. Ripple's entry into this market positions it to meet these demands by leveraging its extensive experience in building real-world financial solutions.
Strategic Acquisitions and Expansion
To bolster its stablecoin operations, Ripple has undertaken strategic acquisitions:
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Hidden Road Acquisition: In April 2025, Ripple announced the acquisition of multi-asset prime broker Hidden Road for $1.25 billion. This move aims to enhance the utility of RLUSD, as Hidden Road utilizes the stablecoin as collateral across its prime brokerage products.
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Rail Acquisition: In August 2025, Ripple acquired Toronto-based stablecoin payments platform Rail for $200 million. This acquisition is expected to strengthen Ripple's position in the stablecoin payments space by integrating Rail's cross-border payment capabilities and automated back-office tools.
Regulatory Developments
In July 2025, Ripple applied for a national bank charter in the U.S., signaling its intent to integrate more deeply into the traditional financial system. This move aims to accelerate payment settlements, reduce costs by bypassing traditional intermediary banks, and enhance regulatory legitimacy. Additionally, Ripple is pursuing a Federal Reserve Master account to access Fed payment systems and hold RLUSD reserves directly with the central bank.
Integration and Utility
RLUSD is designed for multichain compatibility, being issued on both the XRP Ledger and Ethereum blockchain. This allows developers on both platforms to incorporate RLUSD, enabling users to transact with stability and confidence. The stablecoin's interoperability is expected to benefit cross-chain interoperability and expand its use cases.
Impact on XRP and the XRPL Ecosystem
The introduction of RLUSD is anticipated to enhance the utility of XRP by providing additional liquidity and supporting greater scalability in cross-border payments. By leveraging RLUSD alongside XRP in Ripple Payments, the company aims to offer a superior cross-border payments solution that bridges traditional finance and digital assets.
Conclusion
Ripple's launch of RLUSD marks a significant milestone in its mission to bridge traditional finance with the digital asset world. Through strategic acquisitions, regulatory initiatives, and a focus on transparency and utility, Ripple is well-positioned to play a pivotal role in the evolving stablecoin market.
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