Ripple has unveiled plans for a new $1 billion XRP treasury aimed at significantly increasing its holdings of XRP, which is currently trading between $2.64 and $2.66. This initiative is expected to tighten market supply and create bullish momentum for the cryptocurrency. As interest in XRP surges, many in the trading community are optimistic about a potential breakout above $3, which could further propel prices.
The creation of the Evernorth Treasury marks a pivotal moment for XRP, as it aims to accumulate and hold XRP as a primary asset. Supported by Ripple executives and strategic partners, the treasury plans to raise substantial funds through participation from institutional investors, including the Japanese banking giant SBI Holdings, which has already invested approximately $200 million. Reports indicate that Evernorth has acquired around 261.8 million XRP, making notable strides toward its ambitious $1 billion goal.
The treasury’s strategy extends beyond merely holding XRP; it intends to utilize its reserves for institutional lending, liquidity provision, and participation in the decentralized finance (DeFi) ecosystem. This proactive approach could significantly impact XRP’s circulating supply. By transitioning large amounts of XRP into institutional custody, the availability of tokens on exchanges may decrease, potentially increasing price volatility in response to demand fluctuations.
As of late October 2025, XRP is ranked among the top five cryptocurrencies by market capitalization. Recent trading activity has shown resilience, with daily volumes holding steady despite broader market fluctuations. Technical indicators suggest that XRP is forming an ascending triangle, which is often viewed as a bullish continuation pattern. Currently, key support levels are identified between $2.20 and $2.35, while resistance is seen between $2.90 and $3.00. A breakout above $3 could pave the way for new institutional buying, further driving prices higher.
Another significant factor influencing XRP’s price trajectory is Ripple’s escrow unlock schedule. On November 1, 2025, Ripple plans to release 1 billion XRP from escrow, which, at current market prices, would introduce approximately $2.5 billion worth of tokens into circulation. Historically, such unlocks have resulted in increased selling pressure due to heightened supply. However, if most of the unlocked XRP is directed toward institutional custody or liquidity management rather than the open market, the negative effects on price could be mitigated.
Market analysts suggest that the Evernorth Treasury, along with other institutional investors, could absorb a considerable portion of this newly released supply, thereby limiting downward pressure on XRP prices. Ripple has a track record of re-locking a significant percentage of tokens after previous unlocks, further reducing net circulation. Should this strategy continue, it could bolster the case for a bullish outlook on XRP.
Regulatory clarity around XRP has also improved in recent months, with several court decisions and policy revisions in key jurisdictions reducing legal uncertainties associated with the asset. These developments have encouraged institutions to reconsider XRP as a viable option within their digital asset portfolios. Ripple’s growing network of partnerships with financial institutions and fintech companies continues to highlight XRP’s practical applications in cross-border payments and liquidity solutions, reinforcing its position as a utility token rather than solely an investment vehicle.
In terms of price predictions, analysts have outlined several scenarios for XRP’s future. In a moderate outlook, the cryptocurrency might trade within the range of $2.00 to $4.00 over the next six to twelve months, supported by steady institutional accumulation. If the Evernorth Treasury meets its fundraising goals swiftly and engages in aggressive open-market buying, XRP could surpass its near-term resistance levels, potentially reaching targets between $5 and $7.
In a more optimistic scenario, XRP could even break into double digits. This would hinge on sustained treasury buying, limited supply circulation, and robust liquidity in the broader market. While such a scenario is less probable, it remains a possibility for the longer term.
Despite this optimism, XRP faces several challenges. If the Evernorth Treasury fails to meet its $1 billion target or delays its acquisition plans, enthusiasm could wane. Additionally, the upcoming escrow unlock poses a risk of flooding the market with tokens, potentially suppressing prices temporarily. Broader macroeconomic factors, such as tightening global liquidity or negative sentiment toward digital currencies, could also adversely affect XRP’s performance.
Ultimately, XRP’s short- and medium-term price movements will largely depend on the pace of treasury accumulation, market liquidity, and sustained institutional demand. With an improving regulatory environment and increasing practical applications, XRP stands at a crucial juncture. The combination of limited supply, rising institutional confidence, and greater legal clarity positions XRP as one of the most anticipated digital assets in the lead-up to 2026.
In summary, the establishment of the $1 billion XRP treasury could be a transformative event for the asset’s institutional narrative. By securing substantial holdings in long-term custody, this initiative may significantly alter the dynamics of supply and demand for XRP, potentially setting the stage for sustained bullish momentum. A decisive breakout above $3.00 could signal the start of a robust rally, while maintaining support above $2.50 would further strengthen the case for future price advances.
