- Pension funds explore XRP via policy on ramps and fiduciary gatekeeping
- 401k crypto access supports test-sized sleeves while XRP holds key levels
- Seventeen U.S. states consider crypto for funds, showing rising institutional interest
XRP made headlines after the flash crash that wiped out nearly $20 billion across the crypto market in a single day. The selloff shook confidence and dropped XRP, but it also flushed leverage and reset the tape to a clearer XRP outlook.
As of October 10, Bitcoin, Ethereum, and altcoins fell sharply, and XRP joined the move lower. The October 10 flash crash cleared over-leveraged positions and forced out weak holders. The reset can support steadier gains as liquidity rebuilds.
Related: XRP Price Today Tests $2.65; 3-Day Close Would Flip Support And Aim $2.85
Flash Crash Or Big Money?
Pension Funds Start Considering Crypto
One analyst has observed that institutional interest in XRP is rising. By April 2025, at least 17 U.S. states had approved or considered crypto investments for state reserve funds, while 16 states allowed public pensions to explore crypto. Pennsylvania introduced legislation to let pensions invest in Bitcoin.
A 2024 CFA Institute survey showed that 94% of state and local pensions already held crypto-related assets. Most funds are testing the waters with small allocations of 0.1 to 1% of their portfolios. This approach shows growing acceptance of digital assets.
Policy Changes Open 401(k) Plans
Regulatory developments also support institutional adoption. A 2020s executive order allowed cryptocurrencies in 401(k) plans, reversing earlier guidance that discouraged crypto in retirement accounts. This shows that regulators are increasingly open to letting conservative funds access digital assets.
XRP Price Prediction in a Hypothetical Scenario
U.S. pension funds and retirement accounts held about $45.8 trillion in mid-2025. If 5% of that flowed into XRP, the total inflow could reach $2.29 trillion. XRP’s market cap is currently about $147 billion. According to the analyst, even a fraction of this money could have a large impact on its price.
Crypto markets often respond with a multiplier effect. Past XRP rallies show that large demand can push prices beyond initial expectations. With a decent 2x multiplier, XRP’s market cap could reach $4.73 trillion.
Dividing this by 60 billion XRP coins gives a hypothetical price of about $78 per coin. This is not a prediction, but it shows the scale of impact possible institutional investments could have.
XRP Struggles In The Short-Term
XRP dropped about 40%, falling from above $3 as it struggles to hold that level. Analyst Casi Tardes said support is at the 0.382 retracement, around $2.29.
Currently, XRP’s price is caught in a tight range and important levels to watch sit between $2.79 and trendline resistance near $2.83.
Related: 66% of Crypto Users Plan to Increase Investments, Bitget Q3 Report Finds
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