XRP Price Prediction: Franklin Templeton Exec Says XRP Is Key to Cross-Border Payments – Is a $3 Breakout Next?

Today’s XRP price prediction takes on renewed significance as major global investment firm Franklin Templeton, which manages assets across public and private markets through various strategies, including digital assets, has once again acknowledged the importance of XRP as crucial infrastructure for cross-border payments.

In a recent release, the asset manager’s head of digital assets, Roger Bayston, stated that “we view XRPL’s native token, XRP, as a foundational building block for cross-border transaction efficiency.”

The executive added that as a payments-first blockchain, the XRP Ledger enables real-time, low-cost settlement for institutions looking to facilitate large-scale transactions across different continents.

XRP is seen as a foundational building block by Franklin Templeton 🫡 https://t.co/qVVwPOtDUM

— LJ (@luke_judges) December 31, 2025

Franklin Templeton’s Growing Integration With XRP Ecosystem

This is not the first time Franklin Templeton has acknowledged the role XRP plays as a blockchain rail for traditional finance.

In September, Singapore’s DBS Bank signed an MOU with Franklin Templeton and Ripple to list tokenized money market funds on DBS Digital Exchange.

The partnership provided accredited and institutional investors with trading and lending solutions by leveraging tokenized money market funds on the XRP Ledger blockchain and Ripple’s RLUSD stablecoin.

Analysts say this cohesion with traditional rails has increased the appeal of XRP and should soon reflect in the asset’s price.

Since mid-October, when the XRP ETFs launched, the vehicles have seen $1.07 billion of inflows, “bucking the negative sentiment seen across other assets,” according to James Butterfill, head of research at CoinShares.

Specific vehicle data reflects that Franklin Templeton’s recently launched XRP fund alone captured $28.6 million of weekly volume.

The capital flight from Bitcoin ($2.8B outflows since mid-October) coincides directly with the launch of spot XRP ETFs, showing institutions are reallocating risk budgets toward assets with fresh regulatory “wrappers” and lower saturation.

If this continues, XRP can push to break the $3 resistance level and aim for new highs.

XRP Price Prediction: Descending Trendline Breakout Could Target $3.50

On the technical front, the weekly XRP/USDT chart shows a market correcting after an aggressive impulse move from the November 2024 bottom near $0.50, which marked a clear long-term trend reversal.

That rally carried XRP to the July high around $3.50, completing a near-600% advance before momentum began fading. Since then, price action has shifted into a controlled downtrend, defined by a descending trendline now acting as dynamic resistance.

At present, XRP is trading around $1.83, sitting well above the former macro base but below key overhead levels.

The most important zone to watch is the $3.00–$3.05 area, which stands out as critical resistance.

A decisive weekly close above this region would confirm a trendline breakout and open the path toward the July high near $3.50, which also aligns with projected 2026 upside targets.

The weekly RSI has cooled into the low-to-mid 40s, reflecting the ongoing corrective phase rather than outright bearish dominance.

From a directional standpoint, the chart favors a consolidation-to-reversal scenario rather than a deep retracement, as long as XRP holds above the mid-$1.50 region.

Pepenode Presale Positions for XRP-induced Rally

If XRP finally breaks the $3 resistance and starts trending upward again, meme coins like Pepenode (PEPENODE) could see significant gains.

Pepenode is a crypto project that’s raised neaarly $2.5 million despite challenging market conditions.

The browser-based game allows users to “mine” coins without expensive equipment by setting up virtual mining nodes and upgrading facilities to earn tokens.

The project aims to replicate PEPE’s success, which surged over 1,000X during XRP’s 400% rally between November 2024 and July 2025.

To join the presale at $0.0012161 per token, visit the official Pepenode website and connect a wallet like Best Wallet.

You can pay with crypto coins like ETH, BNB, or USDT, or use a regular credit or debit card.

Visit the Official Pepenode Website Here