XRP is trading at $1.87, down nearly 50% from its 2025 peak of $3.6550, mirroring the broader crypto downturn. However, a triple-bottom pattern has surfaced at $1.7915, and SEC Chair Paul Atkins recently voiced support for cryptocurrency allocations in 401(k) retirement plans during a CNBC interview.
Data from SoSoValue shows XRP ETFs have attracted over $91 million in net inflows year-to-date, outperforming Ethereum ETFs ($55 million) and contrasting with Bitcoin ETFs’ $278 million outflows. Ripple USD (RLUSD) market cap has climbed past $1.4 billion, signaling growing ecosystem liquidity.
Atkins Endorses Crypto in Retirement Accounts
Atkins aligns with the Trump administration’s pro-crypto stance, advocating for retirement funds to include digital assets. U.S. retirement accounts hold over $12 trillion in assets; a 1% allocation would funnel roughly $120 billion into crypto, benefiting blue-chip tokens such as Bitcoin, Ethereum, XRP, and Solana.
Triple Bottom & Falling Wedge: Technical Path to $2.41
On the daily chart, XRP has printed a triple bottom at $1.7915 with a neckline at $2.4133 (2025 high). A falling wedge pattern further supports a bullish reversal. A decisive breakout above $2.4133 would trigger a 30% advance to that level, with the next psychological target near $3. The key support to hold is $1.79.