XRP Eyes $4? Analyst Says ‘Most Profitable Phase’ May Have BegunAs the broader crypto market shows signs of recovery, XRP is once again capturing investor attention—this time with bold forecasts of a surge toward $4.00, driven by technical momentum, market sentiment, and expanding real-world utility.
According to crypto analyst Darren Chu, CFA, founder of Tradable Patterns, XRP may be entering its “most profitable phase” since its 2021 rally. The token has posted a 20% gain over the last three weeks, breaking key resistance levels and displaying stronger correlation with broader altcoin inflows.
“XRP has the ideal confluence of legal clarity, technical breakout, and network traction,” Chu explained in a recent research note. “The conditions now resemble the early stages of major cyclical surges we’ve seen in past bull runs.”
Legal and Regulatory Tailwinds
Since Ripple Labs’ partial legal victory against the U.S. SEC in 2023—where a federal judge ruled that XRP is not a security when traded on exchanges—the asset has regained credibility among institutional players. Multiple crypto funds and ETFs have added exposure, and on-chain wallet growth has accelerated.
This legal clarity has paved the way for Ripple to resume aggressive expansion of its payment corridors, especially in Latin America and Asia-Pacific.
Real-World Utility as a Demand Catalyst
Unlike many Layer 1 tokens with purely speculative value, XRP benefits from real-world utility as a bridge asset for global payments. RippleNet, the enterprise-grade payment network built on XRP, now boasts over 300 financial institutions using or piloting XRP-based settlement infrastructure.
In July, Ripple announced its latest partnership with Banco Bradesco, one of Brazil’s largest banks, to streamline USD/BRL remittances—a deal expected to drive significant volume on-chain.
Analysts note that real-world utility may now be priced into XRP’s valuation at a discount, creating room for catch-up as adoption increases.
Technical Analysis Points Toward Breakout
From a technical standpoint, XRP has breached its multi-month descending channel, with daily trading volume rising 35% over the past two weeks. Analysts are watching the $0.92–$1.00 range as a short-term hurdle. If broken, momentum could accelerate quickly toward $1.50, and potentially as high as $3.80–$4.20, according to Fibonacci-based projections.
“The breakout setup is textbook,” says Chu. “We’re seeing volume confirmation, RSI divergence, and a broader macro narrative—all aligning.”
Risk and Reward: A Balanced View
Of course, XRP is not without risks. Pending SEC appeals, macro volatility, and delays in Ripple’s expansion plans could temper the pace of gains. Still, many investors are betting that the risk-reward profile is increasingly asymmetric in XRP’s favor.
In the eyes of analysts and asset managers alike, XRP is now more than a litigation story—it’s a comeback story.
For those seeking exposure to a large-cap crypto with strong fundamentals, legal clarity, and real-world traction, the message from the market is clear: XRP’s most profitable phase may have just begun.
