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XRP hits all-time high, overtakes USDT in market cap

XRP hits all-time high, overtakes USDT in market cap
XRP hits new ATH, passes $3.41 amid ETF, law optimism.

The global crypto market cap has exceeded $4 trillion. At the same time, XRP has hit a new all-time high, breaking a seven-year record. 

On Thursday, XRP surged past its previous high of $3.40—set in January 2018—climbing to $3.65 and rising over 36% in a week, according to data from CoinGecko. The rally has propelled XRP past USDT (Tether) to become the third-largest digital asset by market cap, valued above $200 billion.

The breakout aligns with rising momentum in the broader altcoin market and growing investor anticipation around the GENIUS Act, a U.S. crypto regulation bill that President Donald Trump is set to sign into law on Friday, July 18.

Key takeaways

- XRP hit a new ATH at $3.65, surpassing its 2018 peak and gaining 36% over the past 7 days.

- XRP overtakes USDT to rank third by market cap, now valued at over $200 billion.

- Regulatory clarity is in sight with the GENIUS Act, boosting investor confidence.

- Analysts predict XRP could reach $4.10–$4.50, possibly even $7, if momentum continues.

- Derivatives trading volume spiked 140% to $39.6 billion, with open interest up 18%.

Momentum fueled by regulatory shifts and technical breakout

Analysts point to XRP’s break above the $3 resistance—a critical level tested multiple times in early 2025—as a key technical signal. Lark Davis notes that this zone had acted as both support and resistance, and the breakout indicates potential for a parabolic rally. 

The surge also comes amid anticipation of the GENIUS Act, which would introduce a federal framework for stablecoins and digital assets, bringing long-awaited regulatory clarity. President Trump is expected to sign the GENIUS Act into law today.  

Institutional interest builds ahead of ETF hopes

Analyst Zach Rector noted the significance of this milestone being reached before any XRP ETF approval or final GENIUS Act implementation—signaling untapped upside. 

 XRP price dynamics. Source: TradingView

Meanwhile, XRP’s derivatives market is booming, with open interest rising to $10.5 billion, suggesting growing institutional exposure and volatility expectations.

With key regulatory developments on the horizon and market enthusiasm rising, XRP’s breakout marks a potentially transformative moment. Analysts are now watching whether XRP can hold above the $3 mark and continue its climb toward $4.50 or beyond—a move that could redefine its role in the evolving digital asset landscape.

We were also informed earlier that Ripple founder moves $26M XRP to Coinbase as price surges.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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