The XRP (Ripple) currency remains one of the most controversial cryptocurrencies due to its long-standing case with the U.S. SEC, but it is also one of the most eagerly anticipated by investors. Here’s a comprehensive overview of XRP's predictions for 2025 and beyond:

🧾 Current Situation (Mid-2025):

Price: Ranges between 0.45$ and 0.65$ (depending on the market).

Legal Status: Part of the case against the SEC has been resolved in favor of Ripple, but some issues are still pending.

Primary Objective: To facilitate financial transfers through banks and financial institutions.

🔮 XRP Price Predictions (2025 - 2026):

✔️ Positive Scenario (with a complete win against the SEC + wide banking adoption):

The price could rise to 1.5$ - 3$ or even higher.

Widespread adoption by banks and money transfer companies (RippleNet).

Potential entry into an ETF or official financial institutions.

⚠️ Negative Scenario (legal loss or market recession):

The price could drop to 0.30$ or lower.

Loss of confidence from some investors.

Partial exit from some U.S. exchanges.

💡 Is XRP suitable for investment now?

Advantages:

A project with real use (international transfers).

Relatively low price compared to its peak.

If it wins the case completely, it could skyrocket.

Disadvantages:

Still tied to the legal situation.

Not fully decentralized like other cryptocurrencies.

✅ My Opinion:

XRP is suitable as a calculated risk in the portfolio, but do not allocate a large percentage of your money to it. You can allocate, for example, 10% - 20% of your medium-risk cryptocurrency portfolio.