Ripple’s XRP, which had been delivering disappointing returns for years, finally broke free in 2025. Since September 2024 the asset has increased in value by 409.2% according to CoinGecko XRP data. XRP is a contender for the title of best performing crypto this year. XRP has seen a sharp correction in the past few days. However, it may aim to surpass the $4 level after a potential interest rate reduction this month. We’ll talk more.
How much will XRP rise to after a rate cut?

As borrowing is easier, investors are more likely to take risks. The Federal Reserve will announce its next interest rate in less than two months. According to CME’s FedWatch toolThere is 97.6% probability that the Federal Reserve cuts interest rates by 25% basis points. A massive price spike for XRP could result from such a change.

XRP must rise by 41.84% from its current levels to achieve the $4 price target. The required growth is significant, but the asset has delivered it before. On July 18, XRP reached a new high of $3.65. Its value has declined by 22.7% since July’s peak. XRP may easily reach $4 if it regains its previous all-time highest level.
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It is likely that SEC will also approve an XRP spot ETF this year. The approval of an ETF will probably lead to increased institutional interest in this asset. In this cycle, the institutional market has driven Bitcoin (BTC), Ethereum(ETH), and many other cryptocurrencies. The same pattern may also emerge in the case of XRP. A similar development could drive XRP’s value beyond $4.
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Source: watcher.guru

