XRP Price Prediction: ECB’s Pontes System Puts XRP Ledger in Focus

By Afe Funbi

Key highlights:

  • The XRP price is testing $1.58, with $2.40 marking the first major resistance
  • Crypto analyst chart projects targets at $5, $15 and $21.50 if the phase pattern plays out
  • Axiology is one of four DLT operators selected for the ECB’s Pontes system

XRP is at an interesting point after analysts identified what they call the first green signal since September 2025. Their three-week chart points to a possible move toward $5, followed by much higher levels if the same phase pattern from previous cycles plays out again.

At the same time, XRP Ledger technology has a documented connection to Axiology, one of four DLT operators selected for the European Central Bank’s Pontes settlement system. That gives the XRP story a real infrastructure angle beyond the price chart.

 

XRP price has $2.40 as the first major test

The three-week XRP chart places the XRP price at $1.58557, down 13.38% on the latest three-week candle. CW’s analysis divides XRP’s history into four phases and compares the 2014–2018 cycle with the 2020–2027 cycle.

The earlier cycle moved through accumulation from 2014 to 2016, a major rally in 2017 and a correction between 2018 and 2020. CW maps the current cycle in a similar way, with 2020–2024 marked as Phase 1, 2024–2025 as Phase 2 and 2025–2026 as Phase 3.

For the XRP price, $2.40 is the first major resistance level. If XRP moves through that zone, the next levels on the chart are $3.40 and $5. The $3.40 level represents the previous all-time high used in the analysis, meaning $5 would mark a move into new territory.

CW’s larger targets are $15 for the projected Phase 4 peak and $21.50 for the 6.618 Fibonacci extension. These remain projections based on the chart’s historical pattern and are not confirmed price targets.

ECB pontes gives the XRP ledger story more context

The institutional side is easier to verify. The European Central Bank launched Pontes on September 21, 2026, as a Eurosystem system connecting market DLT platforms with TARGET Services for the settlement of wholesale tokenised-asset transactions in central bank money.

The ECB selected four DLT operators for the system: Axiology, Cashlink, Clearstream and SWIAT. Axiology has a direct connection to XRP Ledger technology. Ripple stated in 2023 that it helped Axiology develop a tokenised securities trading and settlement infrastructure using XRP Ledger technology.

ECB documentation from its exploratory DLT trials also provides a more specific XRP connection. The documentation describes Axiology workflows that used XRP Payment transactions to transfer tokenised assets during settlement. One test involved tokenised debt securities and other covered asset transfers during redemption.

There is an important distinction here. Pontes settles transactions using central bank money, and the ECB documentation does not establish that the ECB itself is using XRP as its settlement asset.

What the XRP price needs to watch next

The XRP price now has a clear set of levels from CW’s chart. Holding above $1.00 keeps the higher levels in view, with $2.40, $3.40 and $5 marking the main upside barriers.

Below $1.00, the chart identifies $0.85, $0.60, $0.40, $0.28 and $0.14 as successive support levels. CoinCodex’s 1-month XRP price prediction places the price at $1.65, implying that analysts expect the price to trade slightly higher from current levels over the coming weeks.

The ECB-Axiology connection adds documented institutional use of XRP Ledger technology, but it does not confirm the $15 or $21.50 projections. For XRP, the next major test remains whether the XRP price can reclaim $2.40 and continue toward the higher levels mapped on the chart.

 

Source:: XRP Price Prediction: ECB’s Pontes System Puts XRP Ledger in Focus

Updated: September 23, 2026 at 12:52 pm
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