XRP price prediction: Can institutional flows sustain the September surge?

XRP has made its way back up to the $3.05 mark, reclaiming a level that’s been front and center on traders’ charts. The recent push higher seems to be fueled by growing institutional appetite and the constant chatter about an XRP ETF hitting the scene.

Now, as September plays out, the spotlight is on the XRP price prediction. Can the rally keep rolling, or is the momentum starting to wobble?

XRP price prediction: Current factors

In recent weeks, Ripple (XRP) has been stuck in a pretty narrow band between $2.90 support and $3.10 resistance — a clear sign the market is still undecided. There’s definitely a cautiously bullish tone in the air, mostly thanks to rising demand for regulated XRP futures and more institutions dipping their toes into the Ripple ecosystem. That’s been enough to keep spirits high among XRP holders.

Still, sellers have been drawing a line in the sand around $3.05, where price keeps getting knocked back. While that doesn’t spell doom for XRP, it does mean bulls have some work to do. A strong push above $3.05–$3.10 would be the confirmation needed to kick off the next leg of the rally.

Upside outlook

A strong breakout above $3.10 could be the green light bulls have been waiting for. If that level is cleared with volume, the XRP price prediction would set sights on the $3.30 to $3.40 area. And if the momentum holds, the expectation is that XRP could even push into the $3.60 to $4.00 region as we move deeper into September.

This bullish Ripple price forecast isn’t just based on technicals — there’s also growing institutional appetite for XRP and a bigger push for Ripple’s cross-border payment solutions gaining traction. On top of that, any ETF-related news or regulatory movement could serve as a major catalyst in the short term.

Downside risks

Still, there are a few warning signs on the board. If XRP loses its grip on $3.05, we could see a retreat to $2.85 — and if that support gives way, there’s a real shot at a bearish move targeting $2.66 to $2.50.

The bigger concern is the overall market. If BTC or ETH take a hit, XRP probably won’t be able to stand tall on its own. Add to that a noticeable dip in retail trading activity, and you’ve got a setup that’s more vulnerable to sharp downside moves than it was just a few weeks ago.

XRP price prediction based on current levels

Right now, XRP is trading right in the middle of a make-or-break range: $2.85 to $3.10. If bulls can push it above $3.10, we’re looking at a bullish projection toward $3.30 or even $3.60. But if it breaks down below $2.85, the bearish projection suggests a drop to $2.66–$2.50.

The XRP outlook remains cautiously bullish, as long as momentum holds and the broader market doesn’t throw a curveball. September is historically volatile for crypto, though — so while bulls have the edge for now, nothing’s guaranteed.