XRP News Today: XRP Completes Golden Cross vs Bitcoin as Goldman Sachs Emerges as Top Institutional Holder

Last Updated: July 5, 2026

XRP is trading at $1.14 on July 5, 2026, holding onto most of its weekly gains after a technical breakout that saw the token complete a golden cross against Bitcoin — a signal traders read as a sign XRP may be entering a period of relative outperformance. The move comes alongside a fresh institutional disclosure: Goldman Sachs revealed a $153.8 million position spread across four spot XRP ETFs in its latest 13F filing, making Wall Street’s largest bank the top institutional holder of XRP-linked funds. Together, the technical and institutional signals mark one of XRP’s stronger news cycles since the token bottomed near $1.01 in late June.

Key Takeaways

• XRP trades at $1.14, holding gains after a 4H candle that saw price open at $1.1385 and reach a high of $1.1422
• XRP completed a golden cross against Bitcoin, a technical signal some analysts view as an early sign of relative altcoin outperformance
• Goldman Sachs disclosed a $153.8 million position across four spot XRP ETFs, making it the largest known institutional holder of XRP ETF shares
• Market capitalization stands at approximately $70.98–$72.7 billion depending on data source, with 24-hour trading volume between $1.82 billion and $1.87 billion
• XRP’s short-term MA(7) sits at $1.1510, above the MA(25) at $1.1048 and MA(99) at $1.0925 — a bullish short-term alignment
• The CLARITY Act remains stalled after missing its symbolic July 4 target; the Senate returns July 13 with a defense bill ahead of it in the queue
• Standard Chartered has cut its 2026 year-end XRP price target from $8.00 to $2.80, while leaving its 2030 target unchanged at $28.00

Market Overview

Metric	Value
XRP Price Today	$1.14
24h Change	+0.22% (4H candle)
7-Day Change	+8–10% (depending on source)
Market Cap	~$71–73B
24h Volume	~$1.82–1.87B
Circulating Supply	62.24B XRP
Total Supply	99.98B XRP
Max Supply	100B XRP
All-Time High	$3.65 (July 2025)
All-Time Low	$0.002686

XRP Price Today Analysis

XRP is changing hands at $1.1410 after a 4-hour candle opened at $1.1385, touched a high of $1.1422, and a low of $1.1366 — a tight, controlled range that suggests consolidation rather than continued sharp upside. The token’s moving averages remain in a constructive short-term setup: the 7-day MA sits at $1.1510, above the 25-day MA at $1.1048 and the 99-day MA at $1.0925, with price holding just below the shortest-term average after last week’s sharp rally.

Zooming out, the picture is more mixed. XRP remains well below the $1.30–$1.36 range it traded in through early June, and the weekly chart shows a broader downtrend line that price has yet to convincingly break. The 19-month low near $1.0092, touched in late June, remains the key reference point for how far the token fell before this recovery began. XRP is currently trading roughly 68% below its all-time high of $3.65 set in July 2025, shortly after the SEC lawsuit against Ripple formally concluded.

Support and Resistance Levels

Level Type	Price
Key Resistance	$1.18 – $1.20
Secondary Resistance	$1.65 (major trend shift level)
Current Price	$1.14
Near-Term Support	$1.10
Critical Support	$1.00
Downside Risk (if $1 fails)	$0.80

Why Is XRP in Focus Today?

Two separate developments are driving attention to XRP today, one technical and one institutional. On the charts, XRP has completed what analysts call a golden cross against Bitcoin — a pattern where a shorter-term moving average of the XRP/BTC pair crosses above a longer-term one, historically associated with periods where XRP outperforms Bitcoin on a relative basis. While golden crosses are not guaranteed predictors of future performance, traders have historically used them as one input among several when assessing altcoin rotation potential.

On the institutional side, Goldman Sachs’ latest 13F filing revealed a combined $153.8 million position spread across four separate spot XRP ETFs, a disclosure that makes the bank the largest known institutional holder of XRP-linked exchange-traded products. The filing adds to a growing list of traditional finance players building exposure to XRP through regulated fund structures rather than direct token ownership, following spot XRP ETFs’ launch in November 2025, which generated over $1 billion in net inflows since inception.

Ripple XRP News This Week

Development activity on the XRP Ledger continues to advance independent of price action. Ripple has outlined plans for an XRP Ledger Lending Protocol, which would give institutions a new way to structure on-chain loans, with the underwriting process staying with human credit teams while the blockchain enforces loan terms. A related proposed standard would let institutions borrow against tokenized assets directly on XRPL. Separately, the XRP Ledger Foundation’s security push continues: version 3.2.0, released after an independent audit by security firm Common Prefix, patched several core vulnerabilities in the xrpld software, and that same audit process is now being extended to newer DeFi proposals including the Single Asset Vault (XLS-65) and Lending Protocol (XLS-66) ahead of their planned launches.

On-chain activity has also picked up. Active addresses on the network jumped sharply in late June — one report cited a 72% increase in active addresses over a two-week span — while open interest in XRP derivatives fell to its lowest level since July 2025, a combination some analysts view as a “cleaner” setup for further gains since it suggests less leveraged, more organic buying pressure.

Clarity Act News: Bill Remains Stalled After Missing July 4 Target

The CLARITY Act, which would classify XRP as a commodity under U.S. law rather than leaving that determination to regulators, has officially missed the July 4 target the White House had symbolically pointed to. The Senate remains on recess until July 13, and leadership has signaled a defense bill will take priority in the first week back, pushing the CLARITY Act’s floor vote to late July or the first week of August at the earliest. The bill also faces a structural hurdle: it needs 60 votes to clear the Senate, meaning at least seven Democrats must cross the aisle, and reports indicate talks broke down last week over an ethics provision related to President Trump’s personal crypto holdings. For context on how much a single procedural step can move price, XRP jumped roughly 4.5% to $1.49 on May 14 purely on news that a Senate committee had advanced the bill — a small preview of what full passage could trigger if and when the Senate finally votes.

What This Means for the Days Ahead

XRP’s ability to reclaim and hold the $1.18–$1.20 resistance zone remains the clearest technical signal traders are watching for confirmation that the year-long downtrend is ending. A move above $1.65 would represent a more decisive trend shift, though most analysts see that as a longer-term target rather than a near-term likelihood. On the downside, the $1.00 psychological level remains the line in the sand; a close below it would reopen the air pocket down toward $0.80 that formed during June’s selloff.

Wall Street’s own XRP forecasts illustrate the uncertainty. Standard Chartered’s Geoffrey Kendrick has cut the bank’s 2026 year-end target from $8.00 to $2.80 following the sharp first-half pullback, while leaving the firm’s 2030 target of $28.00 unchanged — an indication that institutional conviction on XRP’s long-term trajectory hasn’t disappeared, even as near-term expectations have been reset sharply lower. More bullish independent models from FXEmpire and Coinfomania still put 2026 targets as high as $5.00–$5.13, while more conservative algorithmic models like CoinCodex cluster closer to $1.70–$2.00, underscoring how wide the range of outcomes remains. With the CLARITY Act sidelined until at least late July, XRP’s near-term path will likely be shaped more by continued ETF demand, on-chain accumulation trends, and broader crypto market direction than by any single regulatory headline. For the latest on how Bitcoin’s own price action is shaping the broader market, see Bitcoin News Today.

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Where to Buy XRP

XRP can be purchased on major cryptocurrency exchanges including Binance, Coinbase, Kraken, KuCoin, Gate.io, and OKX.

For long-term holders, self-custody via a hardware wallet is recommended over keeping large balances on exchanges.

This page is updated regularly. Prices shown are approximate and may differ from live data. Nothing on this page constitutes financial advice. Always conduct independent research before making investment decisions.