XRP holders have waited all autumn for institutions to commit, and on November 4 a Ripple executive said that debate has moved on to how. Reece Merrick wrote that a Dubai panel with BlackRock, Standard Chartered and Robinhood agreed markets need rails open 24/7. XRP rose 2.8% to $1.31, still about 21% under its September high, so the xrp price prediction turns on how fast those rails arrive.
Traders expecting years of building are moving part of their money into Pepeto, an AI meme coin with its own exchange in development and more than $11.2 million committed.
XRP Price Prediction: $1.31 XRP Eyes $1.40 After Ripple’s BlackRock Panel
XRP trades near $1.31 on November 5, and its next test is the $1.35 to $1.40 band, 3% to 7% above, where several moving averages meet. Support sits at $1.2577, the 0.382 Fibonacci level about 4% below, and a close under it opens $1.15, about 12% lower.
Merrick, Ripple’s head for the Middle East and Africa, said the panel no longer asked whether institutions would adopt digital assets, only what infrastructure must change. Ripple’s answer is payment rails, tokenized assets and stablecoins, the work XRP was built for.
However, the panel set no timeline for any of it. At about $83 billion, XRP needs about $6 billion to reach $1.40 and about $22 billion to retake $1.65. That 7% applies equally to a $500 holder and a large fund, and the buyers who entered years ago already hold the larger gain.
What this means is that the xrp price prediction depends on institutions that move on their own calendar. The money that skips that calendar is already in Pepeto’s presale, where large buyers back an exchange that charges nothing to trade.
Smart Money Has Put $11.2 million Into Pepeto’s Zero Fee Exchange
The $11.2 million is backing PepetoSwap, a zero fee exchange in development, and its buyers are holding for the expected Binance listing. Pepeto gives testing access privately to community members and big investors, so the case rests on what the platform does.
A trader who swaps $15,000 a month pays about $540 a year on Uniswap at 0.30% and $450 on PancakeSwap at 0.25%, while PepetoSwap charges 0.00% and leaves only network gas. That trader keeps the full $540, and a single $100,000 trade saves $300.
The exchange is non custodial, so no company holds the coins, and orders run as market, limit or DCA with MEV protection on by default. An AI scanner tests each token before a trade and blocks contracts nobody can sell, and stakers earn 160% APY at today’s rate.
Each saved fee gives a trader a reason to come back, and every return trip runs through the token the platform is built on, on a supply capped at 420 trillion.
The token sells for $0.0000001905 at the current stage. That base of $11.2 million is about 540 times smaller than the $6 billion XRP needs for 7%, so the same new money moves Pepeto much further.
Conclusion
XRP’s chart points to $1.40 after a panel that put Ripple beside BlackRock, a real gain for an $83 billion coin. Pepeto sits at the stage where such gains are made, with money arriving during a fearful month.
This week’s xrp price prediction gives holders 3% to 7%, and the answer for a buyer seeking the earlier stage is Pepeto. In June 2022 XRP held near 30 cents while the SEC case ran and few believed, and by July 2025 it reached $3.65.
Those buyers turned $1,000 into about $12,000 by entering while the price was cheap and the mood was poor. More than $11.2 million is entering Pepeto in that same mood now, and the stage price stops at the listing.
Click To Visit Pepeto official Website To Enter The Presale
Disclaimer:
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry risk, including total loss of capital.
All market analysis and token data are for informational purposes only and do not constitute financial advice. Readers should conduct independent research and consult licensed advisors before investing.
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