**Report on XRP after its case with the SEC ends and current financial agreements with price forecasts**
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1. General Background on XRP and its struggle with the SEC:
- **The Legal Case**: In December 2020, the U.S. Securities and Exchange Commission (SEC) filed a lawsuit against Ripple, accusing it of selling XRP as an unregistered "investment contract." The case lasted three years, with a historic ruling in July 2023 when the court decided that **selling XRP on exchanges is not considered a security**, while direct sales to financial institutions were. This ruling gave Ripple a partial victory that boosted investor confidence.
- **Impacts of Ruling**:
- XRP's return to major exchanges like Coinbase and Kraken after being relisted.
- Reducing regulatory risks on the currency, encouraging financial institutions to collaborate with Ripple.
- Improving XRP's image as a digital asset with practical use in the global financial system.
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**2. Current Financial Agreements for Ripple:**
Ripple relies on the **RippleNet** network to facilitate international financial transfers using XRP as a liquidity bridge. Some of its recent partnerships include:
- **Partnerships with Banks**:
- Collaboration with **HSBC** and **Santander** to use RippleNet technology in cross-border transfers.
- Agreements with institutions in Asia and Africa to promote XRP adoption in emerging markets.
- **Payments Sector**:
- Collaboration with **Tranglo** in Malaysia to enhance transfers in the Middle East and Asia.
- Partnership with **MoneyGram** previously (halted in 2021 due to the case's implications).
- **Focus on DeFi and CBDCs**:
- Developing solutions related to Central Bank Digital Currencies (CBDCs) using XRP Ledger technology.
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**3. Factors Influencing XRP Price:**
A. **Positive Factors**:
- **End of the Case with SEC**: Reduced regulatory uncertainty, which may attract institutional investments.
- **Growth in RippleNet Usage**: The increasing number of partners (over 300 institutions currently) enhances the demand for XRP as a liquidity bridge.
- **Strategic Alliances**: Any new agreements with major banks or tech companies could raise market value.
- **Technical Improvements**: Upgrades to the XRP Ledger such as **Hooks** (AI for smart contracts) could enhance its efficiency.
B. **Challenges and Risks**:
- **Potential SEC Appeal**: The possibility of an appeal is not ruled out, which could reintroduce tension.
- **Intense Competition**: Currencies like Stellar (XLM) or SWIFT threaten Ripple's market share in remittances.
- **Limited Adoption by Central Banks**: Most banks still prefer proprietary solutions over XRP.
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**4. XRP Price Forecast for 2024-2025:**
The forecasts depend on macroeconomic trends, Ripple's success in expanding its partnerships, and the global regulatory situation. Current analyses indicate:
- **Optimistic Scenario**:
- In case of widespread adoption from banks and increased demand for XRP for liquidity, the price may exceed **$2-3** (especially with the improvement of the cryptocurrency market).
- Support from major alliances or adoption by governments could push the price higher.
- **Moderate Scenario**:
- Price stability between **$0.8 - $1.5** with gradual growth in RippleNet usage without major positive shocks.
- **Pessimistic Scenario**:
- In case of market stagnation or new regulatory hurdles, the price could drop to **$0.4 - $0.6**.
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**5. Conclusion:**
XRP is considered one of the few currencies with practical use in the financial sector, and the end of the case with the SEC has opened the door for its recovery. However, competition risks and regulatory volatility remain critical factors. Investors are advised to monitor:
- Developments in new Ripple partnerships.
- Any new legal decisions from the SEC or other regulatory bodies.
- Macro market trends for cryptocurrencies (such as the impact of Bitcoin ETFs or central bank monetary policies).#
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**Note**: The expected prices are based on current technical and fundamental analyses and are not considered guarantees of future performance. Thorough research and diversification of the investment portfolio are advised.
