The
cryptocurrency market experienced significant momentum on September 17, 2025,
as digital assets surged following the Federal Reserve’s (Fed) decision to
cut interest rates by 25 basis points.
This marked
the Fed’s first rate reduction of the year, lowering the benchmark rate to a
range of 4.00% to 4.25%. XRP emerged as one of the standout performers,
demonstrating why crypto is going up today with notable gains across major
tokens.
The Federal
Open Market Committee’s (FOMC) unanimous decision to reduce rates by a
quarter percentage point immediately impacted cryptocurrency markets. Fed
Chairman Jerome Powell characterized the move as a “risk management”
decision, acknowledging that job gains have slowed and unemployment has
edged higher. The central bank’s dovish stance, although projected, signals growing concern over
economic momentum, creating favorable conditions for risk assets like
cryptocurrencies.
Vijay
Valecha, Chief Investment Officer at Century Financial, noted the economic
context: “Chairman Powell acknowledged that a slowdown in consumer
spending was weighing on economic growth. The U.S. economy grew at 1.5% in
H1’2025, down from 2.5% in H1’2024”.
The level of interest rates in the US is now the lowest since in 3 years. Source: Trading Economics
XRP jumped
by more than 1.5% on Wednesday, closing the day at $3.08 and marking intraday
highs at almost $3.11. The payments-focused cryptocurrency demonstrated strong
resilience during the Fed announcement, trading nearly 3% higher and looking to
build upside momentum. Today (Thursday), 18 September 2025, XRP is changing
hands at $3.06, falling modestly by 0.6% as markets digest the rate decision
implications.
XRP price today. Source: CoinMarketCap
Rate Cut Implications for
Digital Assets
Kathleen
Brooks, XTB analyst, provided crucial insight into the Fed’s forward guidance:
“The Fed has cut interest rates by 25bps as expected and also reduced its
forecast for interest rates in 2025. The Dot Plot shows that the median
estimate for rates this year has been revised down to 3.625% from 3.875% in
June”. She emphasized that “the forecasts for further out the curve
have been left unchanged, and the terminal rate was also unchanged at 3%,
signaling a 5 more rate cuts in this cycle”.
September has historically been a weak month for XRP (as well as for cryptocurrencies), which I pointed out in this analysis. However, 2025 defies that trend, with the cryptocurrency already up 11 percent.
This dovish
trajectory particularly benefits cryptocurrencies , as Josip Rupena,
Founder and CEO of Milo, explained: “When it comes to crypto, rate cuts
are equally important. Lower rates tend to benefit what we call ‘risk-on’
assets, which include digital assets and equities. When borrowing costs go down
and liquidity improves, investors often feel more comfortable putting capital
into these categories”.
Technical Analysis Reveals
XRP Price Bullish Potential
My technical
analysis shows the Federal Reserve meeting positively influenced the broader
cryptocurrency market, which gained during Wednesday’s session despite declines
in equity markets including major Wall Street indices. Both markets typically
move in tandem during similar macroeconomic events, but this time they moved in
opposite directions.
XRP prices
rose by one and a half percent following Powell’s comments, representing the
strongest strengthening in a week. From a technical perspective, little has
changed as XRP continues to move within consolidation around the $3 level
and support zone, reinforced by the 50-day exponential moving average and 38.2%
Fibonacci retracement at the third level, plus horizontal support established
by summer results at the $2.90 level.
You may also like: Latest XRP Price Prediction Points to 55% Rally After Bullish Flag Breakout
Local peaks
on September 13 at $3.13 serve as local resistance that may block
short-term bull runs heading toward August peaks around the $3.30 level. The
ultimate resistance zone extends from $3.60 to $3.66 – this year’s peaks.
Additional support levels, though I don’t expect XRP to decline significantly
in the short to medium term, are located around $2.80 covering August and
September minimums and 50% Fibonacci retracement, as well as at $2.66
coinciding with May peaks.
The next
support level is at $2.60 where the 61.8% Fibonacci retracement and 200-day EMA
run. We’re missing about 17% to reach these downward levels, though I would
consider this entire decline a technical correction and an opportunity to buy
at more attractive prices. Only a break below would mean bears are gaining
advantage, and XRP could decline more significantly, even toward $2, or June
lows.
Technical analysis of XRP price to USDT on the daily chart. Source: TradingView
Spot ETFs for XRP Fuel
Optimism
The
cryptocurrency surge coincides with significant institutional developments for
XRP. REX-Osprey launched the first U.S.-listed spot ETFs for XRP and DOGE
on September 18 under tickers XRPR and DOJE. These products mark the first time
American brokerage accounts have access to XRP-focused ETFs, expanding beyond
Bitcoin and Ether dominance in the ETF landscape.
Launching Tomorrow: REX-Osprey™ XRP ETF, $XRPR, & REX-Osprey™ DOGE ETF, $DOJE.
The first U.S.-listed ETFs offering spot exposure to $XRP and $DOGE go live tomorrow, offering investors a way to access these digital assets through an ETF structure.
Brought to you by… pic.twitter.com/NbyQqEs1YQ
— REX Shares (@REXShares) September 17, 2025
CME Group
announced plans to introduce options on XRP and SOL futures on October 13,
pending regulatory review. The exchange cited strong growth in newer altcoin
futures, with SOL futures logging over 540,000 contracts traded since
March ($22.3 billion notional), while XRP futures introduced in May have
seen more than 370,000 contracts ($16.2 billion notional).
Broader Crypto Market
Performance: Bitcoin, Solana and Dogecoin Are Up
The global
crypto market cap rose 2% to $4.2 trillion on Thursday, lifted by Bitcoin’s
steady climb toward $118,000. Bitcoin traded 1% higher at $117,426,
while Ethereum experienced a 2.8% increase to $4,609. The measured gains
reflected investors weighing the central bank’s cautious tone on future policy
moves.
Crypto prices after Fed meeting. Source: CoinMarketCap
Matt Mena,
crypto research strategist at 21Shares, noted the Fed’s openness to accelerate
easing pace creates an asymmetric setup for Bitcoin: “The dots leaned more
dovish, signaling the Fed is open to accelerating the pace of easing if
conditions demand it”.
He
predicted Bitcoin could set an all-time high above $124,000 by end of
October, with Ether topping the $5,000 psychological barrier.
XRP Price FAQ
Are the Federal Reserves
going to use XRP?
No, there
is no indication that the Federal Reserve will use XRP. The Federal Reserve
operates its own payment systems and is developing a Central Bank Digital
Currency (CBDC) separate from existing cryptocurrencies like XRP. While XRP’s
technology focuses on cross-border payments and financial institutions, the Fed
maintains its independence in monetary policy and payment infrastructure
decisions.
Will XRP reach $10
dollars?
Yes, however,
XRP reaching $10 would require significant market developments and adoption.
Based on current technical analysis, XRP faces immediate resistance at $3.13
and ultimate resistance between $3.60-$3.66. For XRP to reach $10, it would
need to overcome multiple resistance levels and achieve substantial
institutional adoption or regulatory clarity.
Is XRP a good buy?
Yes, but XRP
investment decisions should be based on individual risk tolerance and market
analysis. Current technical analysis shows XRP consolidating around $3 with
support at $2.90 and the 50-day exponential moving average. Recent positive
developments include the first U.S. XRP ETF launch and upcoming CME options
trading. However, cryptocurrency investments carry significant volatility and
risk. The Fed’s dovish monetary policy may benefit risk assets like XRP, but
investors should consider support levels at $2.60-$2.80 and potential downside
risks.
The
cryptocurrency market experienced significant momentum on September 17, 2025,
as digital assets surged following the Federal Reserve’s (Fed) decision to
cut interest rates by 25 basis points.
This marked
the Fed’s first rate reduction of the year, lowering the benchmark rate to a
range of 4.00% to 4.25%. XRP emerged as one of the standout performers,
demonstrating why crypto is going up today with notable gains across major
tokens.
The Federal
Open Market Committee’s (FOMC) unanimous decision to reduce rates by a
quarter percentage point immediately impacted cryptocurrency markets. Fed
Chairman Jerome Powell characterized the move as a “risk management”
decision, acknowledging that job gains have slowed and unemployment has
edged higher. The central bank’s dovish stance, although projected, signals growing concern over
economic momentum, creating favorable conditions for risk assets like
cryptocurrencies.
Vijay
Valecha, Chief Investment Officer at Century Financial, noted the economic
context: “Chairman Powell acknowledged that a slowdown in consumer
spending was weighing on economic growth. The U.S. economy grew at 1.5% in
H1’2025, down from 2.5% in H1’2024”.
The level of interest rates in the US is now the lowest since in 3 years. Source: Trading Economics
XRP jumped
by more than 1.5% on Wednesday, closing the day at $3.08 and marking intraday
highs at almost $3.11. The payments-focused cryptocurrency demonstrated strong
resilience during the Fed announcement, trading nearly 3% higher and looking to
build upside momentum. Today (Thursday), 18 September 2025, XRP is changing
hands at $3.06, falling modestly by 0.6% as markets digest the rate decision
implications.
XRP price today. Source: CoinMarketCap
Rate Cut Implications for
Digital Assets
Kathleen
Brooks, XTB analyst, provided crucial insight into the Fed’s forward guidance:
“The Fed has cut interest rates by 25bps as expected and also reduced its
forecast for interest rates in 2025. The Dot Plot shows that the median
estimate for rates this year has been revised down to 3.625% from 3.875% in
June”. She emphasized that “the forecasts for further out the curve
have been left unchanged, and the terminal rate was also unchanged at 3%,
signaling a 5 more rate cuts in this cycle”.
September has historically been a weak month for XRP (as well as for cryptocurrencies), which I pointed out in this analysis. However, 2025 defies that trend, with the cryptocurrency already up 11 percent.
This dovish
trajectory particularly benefits cryptocurrencies , as Josip Rupena,
Founder and CEO of Milo, explained: “When it comes to crypto, rate cuts
are equally important. Lower rates tend to benefit what we call ‘risk-on’
assets, which include digital assets and equities. When borrowing costs go down
and liquidity improves, investors often feel more comfortable putting capital
into these categories”.
Technical Analysis Reveals
XRP Price Bullish Potential
My technical
analysis shows the Federal Reserve meeting positively influenced the broader
cryptocurrency market, which gained during Wednesday’s session despite declines
in equity markets including major Wall Street indices. Both markets typically
move in tandem during similar macroeconomic events, but this time they moved in
opposite directions.
XRP prices
rose by one and a half percent following Powell’s comments, representing the
strongest strengthening in a week. From a technical perspective, little has
changed as XRP continues to move within consolidation around the $3 level
and support zone, reinforced by the 50-day exponential moving average and 38.2%
Fibonacci retracement at the third level, plus horizontal support established
by summer results at the $2.90 level.
You may also like: Latest XRP Price Prediction Points to 55% Rally After Bullish Flag Breakout
Local peaks
on September 13 at $3.13 serve as local resistance that may block
short-term bull runs heading toward August peaks around the $3.30 level. The
ultimate resistance zone extends from $3.60 to $3.66 – this year’s peaks.
Additional support levels, though I don’t expect XRP to decline significantly
in the short to medium term, are located around $2.80 covering August and
September minimums and 50% Fibonacci retracement, as well as at $2.66
coinciding with May peaks.
The next
support level is at $2.60 where the 61.8% Fibonacci retracement and 200-day EMA
run. We’re missing about 17% to reach these downward levels, though I would
consider this entire decline a technical correction and an opportunity to buy
at more attractive prices. Only a break below would mean bears are gaining
advantage, and XRP could decline more significantly, even toward $2, or June
lows.
Technical analysis of XRP price to USDT on the daily chart. Source: TradingView
Spot ETFs for XRP Fuel
Optimism
The
cryptocurrency surge coincides with significant institutional developments for
XRP. REX-Osprey launched the first U.S.-listed spot ETFs for XRP and DOGE
on September 18 under tickers XRPR and DOJE. These products mark the first time
American brokerage accounts have access to XRP-focused ETFs, expanding beyond
Bitcoin and Ether dominance in the ETF landscape.
Launching Tomorrow: REX-Osprey™ XRP ETF, $XRPR, & REX-Osprey™ DOGE ETF, $DOJE.
The first U.S.-listed ETFs offering spot exposure to $XRP and $DOGE go live tomorrow, offering investors a way to access these digital assets through an ETF structure.
Brought to you by… pic.twitter.com/NbyQqEs1YQ
— REX Shares (@REXShares) September 17, 2025
CME Group
announced plans to introduce options on XRP and SOL futures on October 13,
pending regulatory review. The exchange cited strong growth in newer altcoin
futures, with SOL futures logging over 540,000 contracts traded since
March ($22.3 billion notional), while XRP futures introduced in May have
seen more than 370,000 contracts ($16.2 billion notional).
Broader Crypto Market
Performance: Bitcoin, Solana and Dogecoin Are Up
The global
crypto market cap rose 2% to $4.2 trillion on Thursday, lifted by Bitcoin’s
steady climb toward $118,000. Bitcoin traded 1% higher at $117,426,
while Ethereum experienced a 2.8% increase to $4,609. The measured gains
reflected investors weighing the central bank’s cautious tone on future policy
moves.
Crypto prices after Fed meeting. Source: CoinMarketCap
Matt Mena,
crypto research strategist at 21Shares, noted the Fed’s openness to accelerate
easing pace creates an asymmetric setup for Bitcoin: “The dots leaned more
dovish, signaling the Fed is open to accelerating the pace of easing if
conditions demand it”.
He
predicted Bitcoin could set an all-time high above $124,000 by end of
October, with Ether topping the $5,000 psychological barrier.
XRP Price FAQ
Are the Federal Reserves
going to use XRP?
No, there
is no indication that the Federal Reserve will use XRP. The Federal Reserve
operates its own payment systems and is developing a Central Bank Digital
Currency (CBDC) separate from existing cryptocurrencies like XRP. While XRP’s
technology focuses on cross-border payments and financial institutions, the Fed
maintains its independence in monetary policy and payment infrastructure
decisions.
Will XRP reach $10
dollars?
Yes, however,
XRP reaching $10 would require significant market developments and adoption.
Based on current technical analysis, XRP faces immediate resistance at $3.13
and ultimate resistance between $3.60-$3.66. For XRP to reach $10, it would
need to overcome multiple resistance levels and achieve substantial
institutional adoption or regulatory clarity.
Is XRP a good buy?
Yes, but XRP
investment decisions should be based on individual risk tolerance and market
analysis. Current technical analysis shows XRP consolidating around $3 with
support at $2.90 and the 50-day exponential moving average. Recent positive
developments include the first U.S. XRP ETF launch and upcoming CME options
trading. However, cryptocurrency investments carry significant volatility and
risk. The Fed’s dovish monetary policy may benefit risk assets like XRP, but
investors should consider support levels at $2.60-$2.80 and potential downside
risks.
