XRP Surges Amid Whale Accumulation, Heightened Fed Rate Cut Probability, And ETF Approval

XRP rallied to get past the $3 threshold on the back of explosive trading volume as traders anticipate a potential interest rate cut by the U.S. Federal Reserve and a key ruling by the Securities and Exchange Commission (SEC) on spot XRP ETFs.

The native cryptocurrency of the Ripple blockchain is flashing a strong bullish signal after its Money Flow Index (MFI) surged past 60, suggesting that whales, large institutions, and high-net-worth investors are actively accumulating XRP despite recent dips, setting the stage for an upside momentum. Roughly 340 million XRP, worth over $1.02 billion, were reportedly accumulated in recent weeks as traders gauge whether the ongoing momentum continues into next month’s ETF decision.

An MFI reading above 60 is typically interpreted as increasing buying strength. The technical indicator is often referred to as a volume-weighted version of the Relative Strength Index (RSI) that tracks both the price and trading volume of a financial asset to identify overbought and oversold conditions.

Whales Accumulate Over $1B Worth of XRP in Expectation of Major Upside Price Action

XRP whales seem to be loading up at lower price levels in anticipation of a breakout once market sentiment aligns with technical strength. If this accumulation rate continues, then XRP could set up a stronger support base, giving bulls room to challenge its psychological level of $3. Even though whales purchased an estimated 10 million XRP, worth $30.1 million, within 15 minutes of the breakout, exchange reserves for the asset rose to a 12-month high, indicating heightened supply

Whale accumulation historically precedes larger price swings, as their significant holdings can absorb selling pressure and tilt market momentum.

The U.S. Federal Reserve futures currently imply a 99% probability of a 25-basis-point interest rate cut at the upcoming Federal Open Market Committee (FOMC) meeting on September 17. This has fueled market optimism, with anticipation of easing monetary policy viewed as supportive for risk-on assets like cryptocurrencies, as lower interest rates can weaken the U.S. dollar and encourage investment in assets with higher returns.

Meanwhile, six spot XRP exchange-traded fund (ETF) applications are currently pending review by the U.S. SEC, with final decisions expected between October 18 and 25. An approval would mark a pivotal structural catalyst for the third-largest cryptocurrency by market capitalization, as it could unlock billions of dollars in institutional capital, significantly impacting XRP’s price trajectory.

The SEC previously extended its decision deadlines for several spot XRP ETF filings from mid-August to October, providing a clear window for regulatory action. Major asset management firms, including Grayscale, 21Shares, Bitwise, WisdomTree, Franklin Templeton, and CoinShares have submitted applications with specific deadlines that fall within the securities watchdog’s decision timeline.

The conclusion of the SEC vs Ripple lawsuit in August 2025, which led to the regulator classifying XRP as a non-security asset in public market transactions, removed a critical legal barrier and is now seen as a foundational step toward a potential ETF approval.

XRP advanced from $2.89 during intraday trading to close at $2.95 on Monday. Its trading volume spiked $159.63 million, nearly three times its daily normal rate, confirming institutional participation.

Ripple Could Revolutionize the Global Monetary System by Enhancing Legacy SWIFT Network

Crypto market observer “SMQKE” highlighted that XRP’s native blockchain, XRP Ledger, has the potential to enhance the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network – a secure, global messaging platform used by over 11,500 financial institutions across more than 200 countries to initiate and confirm cross-border transactions.

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SWIFT by itself does not transfer money, hold accounts, or perform clearing and settlement functions; instead, it acts as a carrier for payment instructions and other messages between financial institutions, such as banks. The network facilitates the secure transmission of information like money transfer orders, securities transactions, and treasury activities.

SMQKE said that Ripple’s novel approach of using blockchain technology to enable real-time, direct settlements at significantly lower fees, with XRP acting as a bridge currency, could revolutionize cross-border transactions by transforming SWIFT from a one-way messaging platform into a two-way communication and settlement network.

Ripple’s tech provides on-demand liquidity, which eliminates the need for pre-funded nostro accounts and reduces reliance on correspondent banks by enabling direct integration with the banks’ existing databases and ledgers. This allows same-day transaction settlements instead of being messaged first and then reconciled later. SWIFT transactions typically take anywhere between 1 and 5 business days to be completed, with an average fee that ranges from $20 to $50 plus foreign exchange spreads, while XRPL can settle them in 3-5 seconds at sub-cent rates.

For businesses and consumers, this enables cheaper, quicker, and more accessible cross-border money transfers, and in remittance-dependent regions, Ripple’s impact could be even more transformational. XRP is perfectly positioned to capitalize on the growing demand for faster, cheaper, and more reliable payment infrastructure that would mark a pivotal shift in the global monetary system.

Traders are monitoring XRP’s ability to close above $2.99 to $3.00, as bulls demand a clean daily close above that zone to flip the resistance into support. Meanwhile, a 25 bps Fed rate cut has been fully priced in, with anything larger or a delay in the decision risk altering crypto liquidity expectations sharply.

At the time of writing, XRP is trading at $3.01, up 3.32% in the last 24 hours.