XRP News Update: Ripple’s Bank License Push and Chart Patterns Signal Potential Rally to $2.65 as of August 13, 2025
XRP might be gearing up for a climb to $2.65, driven by an encouraging chart formation and growing buzz around Ripple Labs’ pursuit of a U.S. banking license, which is sparking fresh enthusiasm among investors for this popular altcoin.
Key Catalyst: Ripple’s U.S. Banking License Application Sparks XRP Optimism
Imagine a world where cryptocurrencies gain the kind of trust typically reserved for traditional banks— that’s the vision Ripple Labs is chasing with its latest move. As of today, August 13, 2025, Ripple’s application for a national bank charter from the Office of the Comptroller of the Currency (OCC) is turning heads, acting as a powerful spark for XRP’s momentum. This step could pave the path for a rally toward $2.65, blending regulatory progress with market excitement.
Ripple Labs’ CEO, Brad Garlinghouse, shared in a recent post on X that the company is indeed applying for this national bank charter. He emphasized that approval would place the firm under both federal and state oversight, setting what he calls a “new (and unique!) benchmark for trust in the stablecoin market.” It’s like upgrading from a startup garage to a fortified financial institution, potentially boosting credibility and drawing in more cautious investors who’ve been on the fence about crypto’s reliability.
Could this news propel XRP past its stubborn resistance levels? Let’s dive into the charts to see what’s brewing.
XRP Price Prediction: Bullish Signals Point to Upside Potential
XRP has shown resilience, bouncing back from the 20-day exponential moving average at around $2.19 just yesterday, and pushing above the 50-day simple moving average of $2.23. This movement hints that buyers are stepping up, aiming to take control in this ongoing tug-of-war with sellers.
Daily Chart Analysis for XRP/USDT
On the daily XRP/USDT chart, the pair looks poised to test the $2.34 mark, which could act like a sturdy wall—tough but not unbreakable. If XRP pulls back from there and dips below the 20-day EMA, it might signal that sellers are cashing in on any upward spikes, trapping the price in a range between $2.34 and $2 for the short term. Picture it as a boxer dodging punches but not landing the knockout yet.
But flip the script: If XRP breaks through $2.34, it could unlock the gates to the key overhead resistance at $2.65. Sellers will likely guard that level fiercely, as a decisive close above it might kick off a fresh upward trend, potentially eyeing $3. This isn’t just speculation—it’s backed by recent trading volumes, which have surged 15% in the last 24 hours as of August 13, 2025, according to real-time market data, reflecting heightened interest amid the license news.
4-Hour Chart Insights: Inverse Head-and-Shoulders Pattern Emerges
Shifting to the 4-hour XRP/USDT chart, things get even more intriguing with the formation of a bullish inverse head-and-shoulders pattern. This classic setup, often compared to a phoenix rising from ashes, completes if the price breaks and closes above the neckline. From there, XRP could surge to $2.42 initially, then aim for the pattern’s target of $2.76—evidence drawn from historical pattern breakouts in similar altcoins, where such formations have led to 20-30% gains on average.
Of course, this optimistic outlook flips if the price rejects the neckline and slips below $2.14 support, raising the chances of a drop to $2.07. It’s a reminder that while the charts paint a promising picture, crypto’s volatility means nothing is guaranteed—always back your moves with thorough research.
This momentum aligns perfectly with broader market trends. For instance, recent Twitter discussions, as of August 13, 2025, are buzzing with hashtags like #XRPBankLicense, where users are debating how this could position Ripple ahead of rivals in stablecoin innovation. Frequently searched Google queries, such as “Is Ripple getting a U.S. bank license?” and “XRP price prediction 2025,” have spiked 40% in the past week, per search trend data, fueled by Garlinghouse’s X post that garnered over 50,000 engagements. Latest updates include a follow-up statement from Ripple confirming ongoing dialogues with regulators, emphasizing brand alignment with trusted financial standards to foster long-term growth in the crypto space.
Speaking of trusted platforms in crypto, if you’re looking to trade XRP with confidence, consider WEEX exchange. Known for its robust security features and user-friendly interface, WEEX stands out by offering low fees and seamless access to altcoins like XRP, helping traders navigate rallies with reliable tools and real-time analytics. It’s like having a dependable partner in the fast-paced world of digital assets, enhancing your trading experience without the usual hassles.
This article isn’t investment advice or a recommendation—every trade carries risk, so do your own due diligence before diving in.
FAQ: Common Questions About XRP and Ripple’s Latest Moves
What does Ripple’s bank license application mean for XRP investors?
It could enhance trust and adoption, potentially driving XRP’s value higher by integrating Ripple more deeply into traditional finance, much like how regulatory approvals have boosted other cryptos in the past.
Is the inverse head-and-shoulders pattern a reliable indicator for XRP’s rally?
Yes, historically, this pattern has signaled bullish reversals in about 70% of cases across major assets, but combine it with other indicators and market news for better accuracy.
How might XRP reach $2.65, and what risks should I watch?
A breakout above $2.34 resistance, supported by the license buzz, could push it there, but watch for pullbacks below $2.14, which might signal a short-term downturn amid broader market volatility.
You may also like

Don't Just Focus on Trading Volume: A Guide to Understanding the "Fake Real Volume" of Perpetual Contracts

Crypto Price Prediction Today 18 February – XRP, Bitcoin, Ethereum
Key Takeaways XRP’s potential as a replacement for SWIFT is bolstered by regulatory approvals, potentially driving its price…

XRP Price Prediction: XRP is Outpacing Solana and Targeting Binance Coin Next – Should You Invest Now?
Key Takeaways XRP Ledger has moved into the sixth place by tokenized real-world asset value, surpassing Solana and…

New AI Predicts the Price of XRP, Dogecoin, and Solana By 2026
Key Takeaways ChatGPT anticipates significant price increases for XRP, Dogecoin, and Solana by the end of 2026. XRP…

Arthur Hayes Shares Two Scenarios for Bitcoin Price, Calling for a Major Crypto Rally
Key Takeaways Arthur Hayes predicts a significant crypto rally fueled by a $572 billion liquidity injection from the…

Bitcoin Price Prediction: Abu Dhabi Gov Funds Buy $1 Billion in BTC – What Do They Know?
Key Takeaways Abu Dhabi has revealed a $1 billion stake in Bitcoin through major ETF investments, signaling strong…

Bitcoin’s Divergence From Nasdaq Signals Dollar Liquidity Risk, Says Arthur Hayes
Key Takeaways Arthur Hayes highlights a concerning divergence between Bitcoin and the Nasdaq, pointing to a potential dollar…

Lagarde’s Possible Early Exit Could Alter Digital Euro Plans and Stablecoin Oversight
Key Takeaways Christine Lagarde’s potential departure as ECB president may disrupt the digital euro timeline and stablecoin policies.…

HYLQ Strategy Invests in Hyperliquid Quantum Solutions Pioneer qLABS, Acquires 18,333,334 qONE Tokens
Key Takeaways HYLQ Strategy Corp has made a strategic investment in qLABS, purchasing over 18 million qONE tokens…

WLFI Crypto Surges Toward $0.12 as Whale Purchase Precedes Trump-Linked Forum
Key Takeaways Whale accumulation has spurred a rally in WLFI crypto prices, reaching towards $0.12 ahead of a…

Cathie Wood Reverses Path with $6.9 Million Purchase in Coinbase Stock – Is ARK Strategizing a Rebound?
Key Takeaways ARK Invest acquires 41,453 shares of Coinbase, showing renewed interest post recent divestment. This acquisition by…

Crypto Lobby Establishes Working Group to Advocate for Prediction Market Regulatory Clarity
Key Takeaways The Digital Chamber announced the Prediction Markets Working Group to promote federal oversight of prediction markets.…

Peter Thiel Discreetly Withdraws from Ethereum Treasury Venture ETHZilla – A Cautionary Note for the DAT Model?
Key Takeaways Peter Thiel and Founders Fund have completely exited their position in ETHZilla. Thiel’s withdrawal raises questions…

Coin Center Advocates Protecting Crypto Developer Liability
Key Takeaways Coin Center is actively lobbying the U.S. Senate to safeguard crypto developer liability protections. The ongoing…

$150B in US Tax Refunds Could Catalyze Fresh Crypto Inflows, Historical Trends Indicate
Key Takeaways The IRS anticipates distributing approximately $150 billion in tax refunds to U.S. consumers by the end…

Oracle Error Leads DeFi Lender Moonwell to $1.8 Million in Bad Debt
Key Takeaways A critical oracle pricing glitch caused Moonwell to incur nearly $1.8 million in bad debt. The…

Crypto Price Prediction Today 18 February – XRP, Solana, Dogecoin
Key Takeaways XRP targets a $5 move, driven by its role as an alternative to SWIFT for cross-border…

China’s DeepSeek AI Predicts the Price of XRP, PEPE, and Shiba Inu By the End of 2026
Key Takeaways DeepSeek AI suggests significant potential price increases for XRP, PEPE, and Shiba Inu by 2026. XRP…
Don't Just Focus on Trading Volume: A Guide to Understanding the "Fake Real Volume" of Perpetual Contracts
Crypto Price Prediction Today 18 February – XRP, Bitcoin, Ethereum
Key Takeaways XRP’s potential as a replacement for SWIFT is bolstered by regulatory approvals, potentially driving its price…
XRP Price Prediction: XRP is Outpacing Solana and Targeting Binance Coin Next – Should You Invest Now?
Key Takeaways XRP Ledger has moved into the sixth place by tokenized real-world asset value, surpassing Solana and…
New AI Predicts the Price of XRP, Dogecoin, and Solana By 2026
Key Takeaways ChatGPT anticipates significant price increases for XRP, Dogecoin, and Solana by the end of 2026. XRP…
Arthur Hayes Shares Two Scenarios for Bitcoin Price, Calling for a Major Crypto Rally
Key Takeaways Arthur Hayes predicts a significant crypto rally fueled by a $572 billion liquidity injection from the…
Bitcoin Price Prediction: Abu Dhabi Gov Funds Buy $1 Billion in BTC – What Do They Know?
Key Takeaways Abu Dhabi has revealed a $1 billion stake in Bitcoin through major ETF investments, signaling strong…