With traders revisiting their XRP price prediction targets for 2025, many are also shifting focus toward this fast-rising PayFi token, which has already begun solving the same global payments problem Ripple started years ago.
XRP Price Prediction: Confidence Returns as Payments Narrative Strengthens
XRP is trading at about $2.28 after a quiet few months, up about 10% in the last week as opinion toward payment-focused cryptocurrencies turns favorable. The action came after Ripple announced new financial alliances in the Middle East and Southeast Asia.
According to analysts, the next significant barrier for XRP is around $3.20. A breakout above $3.20 might pave the way for a surge to $4.50. Santiment wallet data indicates an increase in holdings among XRP whales. This action indicates that high-net-worth investors have rekindled their long-term conviction.
Experts argue that if institutional inflows increase, particularly with the approval of a spot XRP ETF, the XRP price prediction could easily extend to $6–$8 within the next 12 months. But while XRP’s established base remains strong, newer tokens are now capturing part of its narrative with faster-moving technology and real-time usability.
Remittix: The Token That’s Turning XRP Investors’ Heads
Remittix (RTX) is quickly emerging as the cross-chain DeFi project at the centre of the payments narrative for 2025. Built on Ethereum, with expansion into Solana, Polygon and Avalanche, the project enables users to send cryptocurrency directly to bank accounts in over 30 countries, instantly and with low gas fees.
The Remittix wallet beta is now live, allowing users to convert cryptocurrency to fiat in real-time. The project has raised over $28.1 million, attracted more than 40,000 holders and secured listings on BitMart and LBank.
Analysts now view Remittix as one of the top crypto investments of 2025, offering real-world payments functionality that aligns directly with XRP’s original mission, but with enhanced retail accessibility and DeFi integration.
Crypto strategists on X have even started referring to Remittix (RTX) as “XRP 2.0,” highlighting its practical use case and ability to bridge the gap between crypto and traditional banking systems. Its low gas fee crypto structure and expanding ecosystem make it one of the top altcoins to watch this quarter.
Why XRP and Remittix Could Define the Payments Narrative
XRP and Remittix are pushing crypto closer to mass adoption by focusing on real-world finance. XRP remains the institutional powerhouse, but Remittix is giving retail investors access to the same sector with a live, working payment solution built on decentralised rails.
As the market shifts from hype to utility, analysts believe these two tokens could anchor the next major bull run in the payments sector. XRP may lead in liquidity, but Remittix (RTX) could lead in percentage growth, making it one of the best cryptos to buy now ahead of 2026.