XRP Price: Smart Money Is Accumulating — Here’s What Analysts Are Watching Right Now

TLDR

• XRP climbed 1.27% to $1.10, with resistance at $1.12 being the key level to watch
• The CLARITY Act passed the House and advanced through Senate Banking Committee
• A Senate procedural vote is possible between July 13–17, 2026
• Analysts EGRAG CRYPTO and Crypto Patel both identify $0.85–$1.20 as a key accumulation zone
• XRP ETF cumulative inflows hit $1.48 billion, with total net assets near $989 million

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XRP was trading at $1.10 on Friday, up 1.27% as the broader crypto market added 1.54% to reach a $2.19 trillion total market cap. Bitcoin rose 1.48% to $64,002, and Ethereum gained 3.03% to $1,790.

The four-hour chart shows buyers returning, but momentum is still weak below the $1.12 resistance level. The RSI sits at 47.48, just under the neutral 50 mark. The MACD histogram turned positive at 0.0018, and the MACD line crossed above the signal line, pointing to a possible recovery.

A clear break above $1.12 could open the path to $1.15, then $1.20. On the downside, $1.07 is the key support. A break below that level could push XRP toward $1.05 or the $1.00 psychological level.

Analyst Celal Kucuker weighed in on Twitter, noting that “smart money accumulates when everyone is bored.” He mapped out a price structure with $0.85–$1.20 as the accumulation range, $1.65 as the point where momentum returns, $3–$3.50 as a macro breakout zone, and a cycle target of $15. His message: patience matters more than chasing price moves.

Most people will buy $XRP after it breaks ATHs.

Smart money accumulates when everyone is bored.

🔹$0.85–$1.20 = Accumulation
🔹$1.65 = Momentum returns
🔹$3–$3.5 = Macro breakout
🔹$15 = Cycle target

Patience pays. pic.twitter.com/fk8bt6FdH4

— Celal Kucuker (@CelalKucuker) July 11, 2026

CLARITY Act Progress

The CLARITY Act passed the House on July 17, 2025, with 294 votes in favor. The Senate Banking Committee advanced it on May 14, 2026, through a 15-9 vote. The Senate returns from recess on July 13, with a procedural vote possible between July 13 and July 17.

House-Senate reconciliation could follow during July 20–24. If both chambers pass the same version, the bill could reach President Trump before August. Missing that window would push the timeline to September.

Senate Democrats have raised concerns about Trump’s crypto holdings and are calling for hearings, citing conflict-of-interest issues tied to the CLARITY Act. The ethics provision remains a sticking point in negotiations.

The bill would create a national framework for digital asset trading and regulation, splitting oversight between the SEC and CFTC. Clearer rules could reduce uncertainty around XRP’s token classification and open the door to more institutional participation.

Analyst Accumulation Targets

Market analyst EGRAG CRYPTO identified $0.85–$1.20 as a historical macro support zone. He says XRP could dip to $0.85 without breaking the long-term structure. His targets are $1.65 for momentum, $3.00–$3.50 as major resistance, and $15 as a full-cycle target.

#XRP – BENT FORK 🍴 – $15 (Accumulation Band):

Right now, $XRP is sitting near the historical accumulation band around:

▫️ $0.85–$1.20

This zone has acted as macro support in previous cycles.

Can $XRP wick lower toward $0.85? Yes.

But as long as this band holds, the macro… pic.twitter.com/LQ6mMPdcUb

— EGRAG CRYPTO (@egragcrypto) July 10, 2026

Analyst Crypto Patel places the accumulation zone between $0.70 and $1.10. His MACD analysis points to a potential bullish crossover. Patel noted similar setups preceded rallies of over 1,000%, and sees a path to $9 or higher if XRP holds current support and clears $3.

 

On the ETF side, XRP products showed no net daily inflows on July 9. Cumulative inflows stand at $1.48 billion, with total net assets at $989.46 million. Bitwise leads with $308.15 million in assets, followed by Canary at $252.97 million and Franklin at $249.54 million.