$XRP , the digital currency underlying the Ripple payment network, has long been one of the most discussed cryptocurrencies in the market. Its unique proposition — providing fast, cheap, and efficient cross-border payments — has always attracted attention. However, its journey has been challenging, filled with legal battles and market fluctuations. Currently, in light of the current situation, several key factors can be identified that will influence its fate by the end of the year.
Completion of the lawsuit against the SEC
The most significant event for XRP was the final resolution of a multi-year lawsuit with the U.S. Securities and Exchange Commission (SEC). This decision, made in August 2025, was a turning point. Instead of continuing the fight, both parties decided to cease appeals, leaving in place a court ruling that distinguishes between the sale of XRP to institutional investors (as a security) and retail investors (as a commodity).
This event is of colossal significance:
Removal of uncertainty: The conclusion of the lawsuit lifts the burden of legal uncertainty from Ripple and XRP, which has hindered development for years.
Increase in trust: The court's decision may boost investor confidence, especially among institutional investors who were previously hesitant to invest in XRP due to legal risk.
Path to ETF: The conclusion of the case opens doors for potential approval of spot XRP ETFs, which could attract billions of dollars in investments and significantly increase demand for the coin.
Development of the Ripple ecosystem
Alongside the lawsuit, Ripple has been actively working on expanding its ecosystem and implementing new technologies:
New partnerships: Ripple is forming new partnerships, including with the American company Wellgistics, which is implementing an XRP-based payment system for over 6,500 pharmacies in the U.S.
Acquisition of companies: Ripple acquired the Canadian stablecoin platform Rail, which expands its capabilities in the payment sector.
Technical updates: The XRP Ledger (XRPL) is constantly being updated, adding new features such as automated market makers (AMM) and enhancements for working with tokens, making the platform more flexible for developers.
End-of-year forecasts
Predicting the movement of any cryptocurrency is always a risky endeavor. However, considering the aforementioned factors, most analysts lean towards optimistic scenarios for $XRP
by the end of 2025:
Price: While exact figures vary, many experts predict that the price of XRP could reach between $3 and $5. Some more optimistic forecasts even mention targets in the range of $10–15 if the market experiences a significant "bullish" cycle and ETF approval becomes a reality.
Overall trend: XRP is expected to demonstrate positive dynamics, supported by the removal of legal restrictions, increasing institutional interest, and further development of the Ripple ecosystem.
$XRP is experiencing perhaps the most crucial phase in its history. The conclusion of the legal battle against the SEC has become a key catalyst that lifts major restrictions for its growth. If Ripple continues to expand partnerships and implement new technologies, and institutional investors and developers begin to actively utilize the XRP Ledger, then the end of 2025 could mark the beginning of a new, more stable and successful phase for this cryptocurrency.