The XRP price prediction narrative is heating up again as the token rebounds above $3, with traders debating whether regulatory clarity and ETF approvals can fuel a breakout toward $4.
While Ripple’s token continues to dominate headlines, cautious institutional flows and muted on-chain data highlight limits to its near-term upside. Against this backdrop, analysts are increasingly spotlighting Remittix (RTX), a PayFi altcoin, as a competitor with the potential to outpace XRP’s rally and deliver 15x gains in 2025.
XRP price prediction from top analysts heading into September sees the top altcoin trading above $3.6. Analysts are optimistic that the rebound could see XRP prices test the $4 level, but regulatory delays and weak institutional flows keep the outlook uncertain.
The SEC pushed decisions on multiple spot XRP ETFs into October, holding back the bullish momentum that many traders had expected in August. If approvals come through, inflows could strengthen XRP’s case for a rally to $4.
Institutional adoption also remains mixed. Ripple has announced partnerships and even acquired Rail, a $200M stablecoin payments platform, but on-chain data shows XRP ranking just 48th in total value locked (TVL) at roughly $100M.
Meanwhile, institutional investors allocate more to Ethereum layer-2 alternatives and Bitcoin, with XRP taking just about 3% of the flows, according to CoinShares. This imbalance highlights the uphill battle XRP faces in convincing large funds to scale up exposure.
Ripple price prediction markets reflect cautious sentiment. Kalshi data assigns XRP a 39% probability of reaching $4 this year and only 17% odds of hitting $5 with traders pointing to upcoming Federal Reserve policy shifts as the near-term catalyst.
While XRP works to sustain momentum, many traders are rotating into Remittix, which is currently priced at $0.0987, a PayFi altcoin designed to solve the $19T cross-border payments challenge. Unlike XRP, which still faces regulatory bottlenecks, Remittix is building a clear adoption path. The project has:
The XRP price prediction may still challenge $4 if ETFs get approval and macro catalysts align, but its upside remains capped by weak institutional activity. In contrast, Remittix is drawing attention for its real-world payment rails, near-term exchange listings and scalable adoption roadmap.
Analysts argue that while the XRP price prediction suggests only modest gains, Remittix offers the more compelling path to greater returns with projections of a potential 15x surge before the end of 2025.
Discover the future of PayFi with Remittix by checking out their project here:
Website: https://remittix.io/
Socials: https://linktr.ee/remittix
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