XRP, the native cryptocurrency of the Ripple payment network, has recently attracted significant attention due to its price volatility. As of June 20, 2025, XRP is trading at around $2.15, surging over 334% from $0.49 a year ago. But is XRP a good investment at this time? Let's analyze the events, recent trends, and what experts are predicting.

XRP Remains Stable Despite Concerns

Over the past few years, XRP's price growth has been hampered by the legal battle with the U.S. Securities and Exchange Commission (SEC), but the recent performance of this coin has been less than favorable.

In March 2025, the price fell by 2.56%, followed by an increase of 4.84% in April and a slight decrease of 0.78% in May. Meanwhile, in June, XRP remained relatively flat, with prices hovering around $2.17. This suggests it is in a consolidation phase, waiting for the next big push.

However, on-chain activity remains low, with the number of active wallets decreasing from 100,000 to below 20,000 since December. This indicates that many are holding rather than using XRP — a concern for long-term utility.

Key Factors to Consider

Some factors that affect whether XRP is a good investment:

  • Regulatory clarity: Ongoing settlement talks between Ripple and the SEC have helped alleviate legal uncertainty, currently, all attention is focused on August 15.

  • XRP ETF Approval: The main catalyst for XRP ETF approval is its security status. Nevertheless, Polymarket predicts an 89% chance that the XRP ETF will be approved by the end of 2025.

  • Organizational acceptance: Ripple's partnerships with banks and payment networks are very important. Currently, XRP is being used in real payments, driving demand. It is currently linked with Thor Chain, UAE banks like Xand Bank and Momo, and tokenized real estate.

Ripple has also acquired major companies like Metaco and Hidden Road, processing $3 trillion annually.

Expert Predictions: XRP Price Heading Towards $14

Although cryptocurrency analyst Mikybull Crypto stated that the current pattern of XRP reflects that of 2017. At that time, XRP remained flat for many months before skyrocketing 1,300% to $3.38. If the same happens now, XRP could rise from $2.19 to around $14, signaling a major bull run ahead.

Despite the optimism, XRP's price remains volatile. Analysts say that if adoption slows or regulations become stricter, the price could drop or remain around $1.80 to $2.