XRP Price Prediction: Ripple CTO’s Stablecoin Vision Could Be the Catalyst XRP Bulls Are Waiting For

With Ripple’s new stablecoin gaining momentum and a strategic vision unfolding, some XRP supporters are starting to believe the next big move might be closer than it seems.

In a recent discussion, Ripple’s CTO David Schwartz tackled a question many have been asking: Will stablecoins like Ripple’s own RLUSD reduce XRP’s relevance?

Not at all, according to Schwartz.

“Stablecoins will not limit XRP,” he explained. In fact, he sees them working hand in hand. Imagine a world full of stablecoins—each tied to a different currency or region. Schwartz believes XRP will be the glue connecting them all, acting as the bridge asset to move value efficiently, just like the U.S. dollar often does today in global finance.

Ripple CTO David Schwartz highlights XRP as essential liquidity infrastructure powering stablecoins, CBDCs, and tokenized assets. Source: Xaif via X

It’s a bold vision—one that puts XRP at the center of the growing tokenized economy. Rather than being overshadowed by stablecoins, Schwartz sees XRP as essential to helping them function across borders and networks.

Ripple isn’t just talking the talk—they’re walking it too. Their stablecoin, RLUSD, is gaining serious ground. It’s already grown to over $415 million in market cap, a massive jump from just $50 million at the end of last year.

To help with that momentum, Ripple recently teamed up with Alchemy Pay to add new fiat on- and off-ramps for RLUSD. At the same time, they’ve integrated USDC into the XRP Ledger, giving users even more liquidity options. All these moves suggest Ripple is aiming to be a major player in the stablecoin space—and they want XRP to be a core part of that ecosystem.

Regulatory uncertainty still casts a shadow, as the ongoing SEC lawsuit remains a major wildcard for Ripple and XRP. However, if the outcome favors Ripple, its stablecoin strategy could prove to be a significant advantage.

Right now, XRP is stuck in a consolidation zone. The price is hovering around $2.12, bouncing between key support at $2.09 and resistance near $2.24. The 200-day EMA is holding the lower end steady, while the 50- and 100-day EMAs are crowding the upper edge.

XRP is trading sideways, but a bullish divergence and hammer candle on the 4H chart suggest a potential upside move from support. Source: MukhtarTecnicals via X

If XRP can break above $2.24, we could see a quick move to $2.65 or even a retest of the $3.00 level it last touched back in March. On the flip side, a break below $2.09 might open the door to deeper drops—first to $2.00, then potentially down to $1.80 or even $1.61, which were key levels earlier this year.

The RSI is sitting just below 50, suggesting bulls are losing some steam. And the Money Flow Index (MFI) shows capital inflow is slowing down. Still, there’s hope—trading volume tends to spike near the $2.09 level, showing buyers are stepping in when it matters.

For now, short-term action may depend on whether XRP can climb back above $2.18, which would show bulls are still in the game.

There’s another reason for long-term optimism: stablecoin regulation is moving forward. The GENIUS bill, recently passed by the U.S. Senate, aims to bring clarity to stablecoin markets and enforce strong compliance. If the House follows suit, it could mark a turning point—and Ripple seems ready to lead.

XRP was trading at around $2.127, down 2.13% in the last 24 hours at press time. Source: XRP Liquid Index (XRPLX) via Brave New Coin

This would give RLUSD, and by extension XRP, a clearer path to institutional adoption. It would also validate Schwartz’s vision of XRP as the “aggregator asset” in a tokenized, multi-stablecoin future.

Ripple is clearly building for that world—between the Ripple crypto payments, Ripple exchange, and growing speculation about future partnerships (including one with Bank of America), it’s obvious they’re laying the foundation for a broader financial ecosystem.

While XRP’s short-term outlook remains uncertain due to market and legal headwinds, Ripple’s expanding stablecoin strategy is giving the community something to be hopeful about. With Schwartz backing a vision where XRP plays a central role in connecting global digital currencies, and RLUSD steadily growing, there’s a compelling long-term narrative forming.

Of course, all eyes remain on the SEC Ripple lawsuit, which continues to loom large. But if Ripple can maintain its momentum and regulators begin to provide clearer guidelines, XRP could be set for more than just a breakout—it might finally step into the role it was built for.