What is XRP?
XRP is a crypto asset meticulously engineered to revolutionize how money moves, aiming for a financial infrastructure that’s both more accessible and cost-effective. It truly shines in the realm of cross-border payments, offering lightning-fast, inexpensive transactions that don’t rely on trust between parties. Unlike many crypto assets that operate without a central authority, Ripple, a company that positions itself as a modern alternative to the SWIFT system, manages XRP. XRP is Ripple’s native digital token, and it stands apart from Bitcoin by not being generated through mining.
Recently, XRP’s value saw a notable increase, leading gains among other major crypto assets. This surge followed a pivotal U.S. court ruling that determined a specific XRP sale didn’t constitute an investment contract. Its price briefly climbed close to $0.94 before settling around $0.82.
Read more: Ripple transforming cross border payments
How Much is XRP Worth?
The price of XRP was $2.29, at the time of writing.
XRP Technical Indicators
When XRP was launched, a total of 100 billion tokens were created, and this supply has remained constant ever since. As a pre-mined crypto, only a fraction of these tokens were initially released for trading on crypto exchanges. The network utilizes 55 smart contracts to gradually release one billion tokens each month over a period of 55 months, which has brought the current circulating supply to about 58.81 billion tokens. Notably, more than 60% of the total XRP supply is held by the top 100 crypto wallets, with Ripple itself owning 6.5 billion tokens—this concentration has sparked debates about XRP’s level of decentralization.
Additionally, the total XRP supply has slightly declined to 99.98 billion due to the burning of transaction fees every time a transfer is completed.
| Token | XRP |
| Founding Company | Ripple |
| Current Price | $2.29 |
| Market Capitalisation | $134.87 billion |
| 50-day EMA (1 Day) | $2.26574 |
| 100-day EMA (1 Day) | $2.25834 |
| 200-day EMA (1 Day) | $2.09024 |
| 14-day Relative Strength Index (1 Day) | 52.53948 |
Ripple Lawsuit with the SEC
The U.S. Securities and Exchange Commission (SEC) had pursued a case against Ripple and its executives, alleging a $1.3 billion unregistered securities offering through sales of the XRP crypto asset. While the SEC has a history of over 100 crypto-related enforcement actions, often classifying various tokens as securities and frequently ending in settlements, the Ripple case saw a significant development.
In a landmark ruling, a U.S. judge determined that Ripple did not violate federal securities laws when selling XRP on exchanges, a considerable victory for the broader crypto sector that caused XRP’s price to surge, briefly touching $0.94 before stabilizing around $0.82. However, the ruling was a partial win for the SEC, as the judge also found that $728.9 million worth of XRP sales to institutional buyers, like hedge funds, did indeed constitute unregistered securities sales. This mixed outcome nonetheless bolstered investor confidence, pushing XRP’s value closer to the $1 mark.
A key turning point for Ripple came in August 2024, when the court officially ruled that XRP, when traded publicly, is not a security. Despite this, Ripple was subject to a $125 million fine for its direct institutional sales, a decision that still reignited optimism among XRP supporters. As of June 2025, the legal battle is no longer ongoing in the same way, as the SEC has officially dropped its appeal against Ripple, and a settlement has been reached. Ripple is set to pay a $50 million penalty, with the remainder of the initial $125 million fine to be returned to the company. This settlement also includes an agreement for enhanced disclosure protocols for institutional XRP sales over the next five years, aiming for complete regulatory compliance by 2029. This resolution provides significant clarity on XRP’s status as a non-security in programmatic sales.
XRP Price Prediction 2025
XRP can capitalise on its gains in the cross-border transaction market in 2025, as the Remittances market is growing every year. The XRP network is projected to grow exponentially in 2025 due to its fast transactions and low fees. The highest projected price of XRP for 2025 is $3.39, but a global macro crisis can bring it down to $2.47, making an average price prediction of $2.9.
Read more: Ethereum Price Predictions
Is XRP a Good Investment?
Currently, XRP is seen as a good investment after its victory against the SEC. However, it is essential to do thorough research before investing in XRP. Crypto investors must be prepared to make losses and never invest more than they can afford. Bear markets even affect the top market caps of cryptos, so do your due diligence before investing.
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Should I Invest in XRP?
Crypto investment opportunities are growing, and XRP is gaining more recognition from financial institutions for its role in cross-border payments and remittances. Following its recent legal win against the SEC, XRP is poised for wider adoption and increased visibility, creating promising prospects for investors. As more crypto exchanges list XRP, its value could rise substantially. It’s important to thoroughly research XRP and the broader crypto market before making any investment decisions. Please remember, this article is for informational purposes only and does not constitute investment advice.
Read more: Bitcoin Price Prediction
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