While the XRP price is battling critical support, the SEC says it is prepared to use its rulemaking authority to address digital asset market structure issues if Congress fails to pass comprehensive legislation.
XRP was recently trading around $1.087, up about 1.83% in the latest session, according to TradingView data. The move leaves the XRP price near a key technical area after the token struggled to reclaim the $1.14 region.
The Federal Reserve’s July 28–29 meeting is adding another layer of uncertainty for the broader cryptocurrency market. The central bank has kept the federal funds target range at 3.50%–3.75% since the beginning of 2026, while inflation remains above its 2% objective.
XRP Price Today: $1.07 Support Remains in Focus
The XRP price today remains caught between nearby support and resistance as traders assess the impact of monetary policy and regulatory developments.
The $1.07–$1.10 area has emerged as an important short-term support zone. A sustained hold above this region would keep XRP from revisiting deeper levels around $1.01. On the upside, the $1.10–$1.14 band is the first major hurdle.
XRP price chart. Source: Brave New Coin
The TradingView technical data show XRP at approximately $1.087, with the 14-period Relative Strength Index (RSI) at 46.54. That reading sits in neutral territory and suggests that neither buyers nor sellers currently have strong momentum.
Other oscillators also point to a lack of decisive direction. The Stochastic %K is around 20.11, while the Stochastic RSI stands near 12.40. The Commodity Channel Index (CCI) is at -84.41, and the Average Directional Index (ADX) is only 11.31.
The low ADX is particularly relevant because it indicates weak trend strength. Rather than confirming a strong directional move, the indicator supports the view that XRP remains in a consolidation phase.
Momentum readings are similarly mixed. The 10-period Momentum indicator is around -0.0097 and signals a buy, while the MACD is approximately -0.0082 and signals a sell. The combination points to an indecisive market rather than a confirmed reversal.
XRP Technical Analysis: $1.14 Is Key Resistance
Moving averages provide a more cautious picture for the XRP price.
The short-term EMA(10) is around $1.0925, while the SMA(10) stands near $1.1023. The EMA(20) and SMA(20) are both close to $1.098. The EMA(30) is approximately $1.1058, with the SMA(30) around $1.1008.
With XRP trading below most of these averages, the short-term trend remains under pressure.
XRP is struggling to regain momentum, with the 4H chart showing a bearish bias as price remains trapped between the EMA21 at $1.0820 and EMA55 at $1.0948 after a bearish break of structure below $1.0850. Source: brokerchampionofficial on TradingView
The wider structure is more clearly bearish. The EMA(50) is near $1.1315, while the SMA(50) is around $1.1094. Further out, the EMA(100) and SMA(100) sit at approximately $1.2163 and $1.2309, respectively.
The EMA(200) is near $1.4139 and the SMA(200) around $1.3736. These wider gaps show how far the current XRP price remains below its longer-term trend benchmarks.
The Hull Moving Average (9), however, sits around $1.0682 and produces a buy signal. The Ichimoku Base Line at approximately $1.1135 is neutral, while the VWMA(20) near $1.0991 remains bearish.
Taken together, the indicators do not yet establish a strong bullish reversal. A move above $1.14 would provide a more meaningful improvement in the technical structure, while failure to defend $1.07 could expose XRP to renewed downside pressure.
Classic pivot levels also place the central pivot near $1.1284, with R1 around $1.2489. On the downside, S1 is near $0.9180 and S2 around $0.7975.
Fed Rate Decision Could Shape XRP Sentiment
The Federal Reserve’s policy decision is another major factor for XRP today.
The Fed has maintained its federal funds target range at 3.50%–3.75% since the beginning of the year. Its July Monetary Policy Report said inflation had risen and remained elevated relative to the central bank’s 2% objective, partly because of supply shocks affecting sectors such as energy.
@cryptorover expects strong market gains below 3.5%, flat action at 3.75%, and a sharp decline above 4%. Source: X
The Fed’s June statement similarly said inflation remained elevated relative to its 2% goal while economic activity continued to expand at a solid pace.
That backdrop has kept the market focused on whether policymakers will maintain the current rate range or adopt a more hawkish tone.
The Kobeissi Letter expects rates to remain at 3.50%–3.75%, arguing that the recent energy-related inflation shock may prove temporary and that elevated borrowing costs are already weighing on households. Separately, the supplied market commentary points to roughly 25%–30% odds of a 25-basis-point hike.
Those expectations are important for the XRP crypto price because digital assets often respond to changes in liquidity and broader risk appetite. A more restrictive Fed stance could keep pressure on risk-sensitive assets, while a less hawkish message could reduce some of that pressure.
Still, the Fed decision alone is unlikely to determine XRP’s direction. The token remains heavily influenced by its own technical structure and developments surrounding US crypto regulation.
SEC Prepares Crypto Rules if CLARITY Act Fails
The regulatory backdrop has become more significant after SEC Chairman Paul Atkins indicated that the agency could address market structure issues through its own rulemaking authority if Congress does not complete the CLARITY Act.
The SEC and CFTC are advancing Project Crypto to establish clearer US rules for digital assets as the CLARITY Act stalls. Source: @coinbureau via X
Atkins has nevertheless emphasized that legislation remains the preferred route because a statute would provide a more durable framework for the digital asset industry.
“We are ready, willing and able to come out with rules that address the same issues in clarity and in other aspects of the crypto market,” Atkins said.
The SEC has already taken steps toward clarifying its treatment of crypto assets. In March, the agency issued an interpretation establishing categories including digital commodities, digital collectibles, digital tools, stablecoins and digital securities. The SEC specifically lists XRP among the assets that qualify as digital commodities under its framework.
That distinction is relevant to XRP SEC news because it provides a clearer regulatory classification than the market had under the previous framework. However, the SEC’s interpretation also states that a non-security crypto asset can still be connected to an investment contract in certain circumstances.
As a result, the latest SEC guidance does not eliminate every regulatory question surrounding XRP or the wider crypto market.
CLARITY Act Delay Keeps Crypto Regulation in Focus
The timing of Atkins’ comments is notable because the Senate has delayed consideration of the CLARITY Act as lawmakers prioritize other legislative matters.
Sen. Cynthia Lummis released updated text for the Digital Asset Market Clarity Act, H.R. 3633, on July 22. The revised version combines work from the Senate Banking and Agriculture committees and follows the bill’s 15–9 bipartisan passage from the Banking Committee in May.
Lummis described the coming weeks as potentially the “last real chance” in years to complete the legislation and said she remained committed to reaching an agreement.
Senate Majority Leader John Thune has also identified market structure legislation as a potential item for consideration, alongside other priorities.
The compressed legislative timetable means the regulatory path could increasingly depend on a combination of SEC and CFTC actions if Congress does not complete the bill.
For Ripple XRP and other digital assets, that would mean regulation could continue developing through agency interpretations and rulemaking rather than a single comprehensive congressional framework.
XRP Price Prediction: What Comes Next?
From a technical perspective, the XRP price prediction remains closely tied to the $1.07–$1.14 range.
A sustained move above $1.14 would improve the short-term structure and put the $1.20 area back into focus, followed by the 100-day moving-average region around $1.22–$1.23. A stronger recovery above those levels would mark a more meaningful shift in momentum.
On the other hand, losing $1.07 would weaken the immediate support structure. The next important area would be around $1.01, with the classic S1 pivot near $0.9180 representing a deeper technical reference.
The RSI at 46.54 and ADX at 11.31 currently offer little evidence of a strong directional trend. That leaves XRP particularly sensitive to catalysts, including the Fed’s policy communication and developments surrounding the CLARITY Act.
For now, the XRP current price remains near a technical decision zone. The Fed’s rate outlook could influence broader market liquidity, while progress—or further delays—on US crypto legislation could shape the regulatory narrative around XRP. Neither factor guarantees a particular price move, but both are likely to remain important for traders assessing XRP in the near term.
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