XRP price declined 3.52% to $1.40 on Sunday as traders turned cautious. The token remained below the $1.40 mark after a modest pullback that followed last week’s notable surge.
The March 27 SEC spot ETF ruling is being keenly followed by market participants as it is expected to impact momentum.
The crypto market has declined by 2% across the industry, with the entire capitalization amounting to 2.36 trillion. The selling pressure was increased by heightened fear and a cascade of liquidations, and Bitcoin remained below the $70,000.
March 27 Could Reshape XRP’s Future as SEC ETF Decision Looms
XRP approaches a decisive regulatory milestone as March 27 marks the Securities and Exchange Commission’s final ETF deadline. The decision will mean the difference between the rest of the XRP exchange-traded fund applications. The move is considered by market participants as a possible turning point in the price momentum.
There are also a number of major asset providers waiting to be approved, such as Grayscale, 21Shares, Bitwise, Canary Capital, WisdomTree and Franklin Templeton. Grayscale is also planning to transform its XRP trust worth 2.1 billion into a spot ETF. Franklin Templeton has presented 0.15% fee as a measure to enhance its competitiveness.
Bloomberg analysts rate it as 95% before year-end. The most important date is however March 27 which includes the final batch of outstanding filings. Investment vehicles in the U.S. have already received much commitment with spot XRP investment vehicles having attracted 1.44 billion which is mainly by the retail investors.
According to industry estimates, the potential institutional inflows may be in the range of $8 billion in case of approvals. Much of that capital is likely to come through pension funds and retirement accounts. The two times leveraged XRP ETF of ProShares has been trading at the NYSE Arca since July 2025.
March 17 The SEC and the CFTC published joint 68-page regulatory framework. This framework categorized the digital assets into five federal law categories. XRP was defined as a digital commodity in the same group with Bitcoin, Ethereum, Solana, Cardano, and Dogecoin.
XRP Wallet Growth Surges as Small Holders Hit Record High
The XRP Ledger continues expanding as wallet data signals steady network growth across global markets. Addresses of less than 100 XRP have increased to record 5.66 million wallets.
According to Santiment 2.01 million wallets holding 100 to 100,000 XRP or more exist. In the meantime, speeches containing over 100,000 XRP are at 32, 054 with a gradual transfer of holders.


The statistics show increased involvement of retailers, even when the crypto industry was volatile over the past few years.
XRP Price Under Pressure, Will Bulls Regain Control Soon?
The XRP price decreased to $1.39 as sellers regained control after failing to hold above the $1.45 resistance level.
The XRP price movement fell beneath the $1.40 support area, which validated again the downward force in the short-term.
The action of the MACD histogram is bearish with indicators showing that the trend is picking up momentum.
The signal line has broken downward below the MACD line and reinforces the existing downward bias.


In the next few sessions, XRP price might find out how it reacts against the short-term support at around $1.38. The floor below can be broken to lead to the door to the $1.35 area.
On the positive side, recovery efforts should recapture the $1.45 barrier to calm sentiment.
A prolonged upward movement beyond $1.50 would change the direction and reveal the $1.55 resistance level.




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