Historical maximum of XRP
Throughout its history, the cryptocurrency XRP has reached several peak values:
1. $3.84 — absolute maximum of all time, recorded in January 2025.
2. $3.3 — previous record set in January 2018.
3. $1.6 — local peak in 2021 when XRP could not overcome regulatory pressure.
Why did XRP reach $3.84 in 2025?
The rise to a historical maximum in 2025 is associated with a combination of fundamental, regulatory, and market factors:
1. Resolution of the lawsuit with the SEC
- In 2023, the court partially recognized XRP as not a security when sold to retail investors, which reduced legal risks.
- In January 2025, the SEC withdrew the lawsuit against Ripple, and mentions of the case disappeared from the regulator's website, which the market interpreted as capitulation.
2. Political changes in the USA
- The election of Donald Trump as president in November 2024, who promised to fire SEC head Gary Gensler and ease cryptocurrency market regulation.
- The resignation of Gensler on January 20, 2025, strengthened expectations for pro-cryptocurrency policies.
3. Launch of the RLUSD stablecoin
- In December 2024, NYDFS approved the Ripple USD (RLUSD) stablecoin, which strengthened trust in the Ripple ecosystem. RLUSD is intended for cross-border payments and integration with XRP, which increased demand for the token.
4. Institutional interest and ETF
- Companies WisdomTree and Bitwise filed applications to launch XRP-ETF, which opened access to cryptocurrency for traditional investors.
- Growth of open positions in XRP futures to $3.99 billion in December 2024.
5. Technological and market drivers
- Increasing number of RippleNet partners, including Santander, American Express, and Asian banks, which use XRP for cross-border transfers.
- Overall bullish trend in the crypto market: Bitcoin updated its maximum above $93,000, which supported altcoins.
Risks and corrections
Despite record levels, the price of XRP remains volatile:
- In January 2025, after reaching $3.84, the token corrected to $2.2 due to profit-taking and macroeconomic uncertainty.
- Analysts warn of a possible drop to $1.7–2.0 when breaking the key support at $2.0.
Prospects
Forecasts for 2025 vary:
- Optimistic scenario: $4.5–5.0 with the approval of XRP-ETF and increased use of RippleNet.
- Base scenario: $3.0–3.5 against the backdrop of RLUSD integration and partnerships with banks.
- Pessimistic scenario: $1.5–2.0 in case of tightening regulations or delays in legal proceedings.
Conclusion
The maximum price of XRP at $3.84 was the result of a combination of regulatory victories, political changes, and technological innovations. However, investors should consider the volatility and risks associated with the global economy and further SEC decisions.