Key highlights:

  • The XRP price is testing the $1.55 monthly 20 EMA, a key level for the next major move
  • The CLARITY Act vote on September 15 is going to be a Senate procedural step
  • XRP Ledger’s fixCleanup3_3_0 amendment could become active around September 11

XRP is at a key point. The XRP price is trading around $1.38, and the next major test is the $1.55 area, where the monthly 20 EMA is currently positioned. This level has been a major barrier for XRP in previous market cycles.

There is also plenty of XRP-related information circulating around the SEC, CLARITY Act, SWIFT, Schwab, and the XRP Ledger. Some of these developments are backed by official records, but others have been taken much further than the available data supports. For the XRP price, the difference matters.

 

The XRP price faces a major test at $1.55

We had a look at the monthly XRP chart, and $1.55 stands out as the level bulls need to reclaim. ChartNerd pointed out that August was the first month since January 2026 when XRP reached its 20-month EMA. 

That average is now near $1.55 and is close to the weekly 50 EMA, which XRP has remained below since its move toward $1.70. The historical chart gives this level even more importance. XRP has faced several rejections from the same moving-average area across previous cycles. 

When XRP eventually reclaimed it and held above the level, the market moved into stronger upside phases. If the XRP price breaks above $1.55 and turns the level into support, the next targets on the monthly chart are $2.00, $2.70 and $3.70.  If buyers fail to clear the resistance, the chart leaves room for a move toward $0.85, followed by $0.65, $0.49 and $0.37. 

Not every XRP story circulating online is confirmed

There are plenty of XRP stories floating around, so it is worth separating what is real from what is being repeated online. The SEC and Ripple case was already resolved in 2025, which means claims about a new settlement letter dated September 9 or 10, 2026 do not line up with the official record.

The SEC and Ripple also filed a joint request in August 2025 to end their appeals. That left the final judgment in place, along with the $125.035 million penalty. The CLARITY Act has a genuine September 15 milestone. 

The cloture motion on the motion to proceed with H.R. 3633 is scheduled to ripen at 2:15 p.m. ET. That would be a Senate procedural step, not final passage of the bill or an immediate classification of XRP.

The SWIFT story also needs some context. DBS and Citi completed a dollar payment using tokenized bank deposits through SWIFT's Digital Ledger. The transaction was completed in minutes, but the announcement does not state that XRP or the XRP Ledger processed the payment.

A September 8 SEC filing from the Schwab Prime Advantage Money Fund does mention XRP ETF shares. The shares are listed as collateral in repurchase agreements. That is different from Charles Schwab buying XRP for its own balance sheet. The filing provides evidence of XRP ETF shares being used as collateral, but it does not establish a direct XRP purchase by Schwab.

Can the XRP price reclaim $1.55?

For the XRP price, the setup is fairly straightforward. A clean move above $1.55 would give bulls a chance to target $2.00, then $2.70 and potentially $3.70. A rejection at the monthly 20 EMA and weekly 50 EMA would keep $0.85 and $0.65 as the next major downside levels.

At around $1.38, XRP remains below the key resistance. The next major move could therefore depend on whether buyers can finally reclaim $1.55 and turn it into support. CoinCodex's 1-month XRP price prediction places the price around $1.78.