XRP emerged as a solution to one of global finance’s biggest pain points — the inefficiency of cross-border payments. Built to enable near-instant and low-cost international transfers, it stands in sharp contrast to the delays and high fees of traditional banking networks. Since its entire supply was pre-minted, Ripple Labs has focused on driving real-world adoption through collaborations with banks and payment service providers worldwide.
Momentum for XRP gained fresh strength following a recent U.S. court decision that ruled certain XRP transactions are not securities, a development that reignited investor optimism. The token’s price surged to $0.94 before settling around $0.82, reflecting a steady rise in confidence despite normal market corrections. Adding to this positive trajectory, the launch of the REX-Osprey XRP ETF (XRPR) on September 18, 2025, opened new avenues for institutional and regulated participation in the growing XRP ecosystem.
Read more: Ripple transforming cross border payments
How Much is an XRP Worth?
Currently, XRP is trading at $2.48, reflecting its position in the market.
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 60.10 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 | $2.48 |
| Market Capitalisation | $149.44 billion |
| 50-day SMA (1 Day) | $2.57279 |
| 100-day SMA (1 Day) | $2.78478 |
| 200-day SMA (1 Day) | $2.63267 |
| 14-day Relative Strength Index (1 Day) | 51.47735 |
Ripple Lawsuit with the SEC
Ripple’s prolonged legal battle with the U.S. Securities and Exchange Commission (SEC) marked a defining moment for the crypto industry. The dispute centered on accusations that Ripple had raised $1.3 billion through unregistered XRP sales—a claim the company chose to challenge head-on, seeking clearer regulatory interpretation rather than settling.
The turning point came when the court ruled that XRP’s programmatic sales on public exchanges did not qualify as securities, pushing the token’s price close to $0.94. However, the SEC earned a partial victory, as institutional sales exceeding $700 million were deemed in violation of securities laws.
Additional clarity arrived in August 2024, when the court confirmed that secondary market XRP transactions are not securities. Ripple, initially fined $125 million, ultimately settled for $50 million in 2025 and agreed to improve transparency in institutional dealings through 2029.
For Ripple, the outcome restored market trust and solidified its standing in the global payments space. For the broader crypto sector, it represented a milestone—offering much-needed regulatory guidance and setting a precedent for how digital assets may be treated in the years ahead.
XRP Price Prediction 2025
In 2025, XRP is steadily reinforcing its position as a leading force in the global payments landscape, supported by rising remittance flows and the growing integration of blockchain-based settlement systems. Its hallmark strength—rapid, low-cost transfers—continues to set it apart from traditional financial infrastructures that struggle with speed and efficiency.
Market analysts anticipate that XRP could test resistance levels near $3.39 this year, although macroeconomic headwinds might lead to short-term pullbacks toward $2.47. Even so, projections indicate an average trading range around $2.90, signaling a cautiously optimistic outlook as XRP maintains its momentum within the evolving digital asset ecosystem.
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Is XRP a Good Investment?
With the SEC dispute largely resolved, XRP has regained its standing as a significant crypto asset. The legal clarity has bolstered investor confidence, yet price fluctuations remain a constant feature of the market. Similar to other crypto assets, XRP is prone to sharp movements in either direction. For investors, the best approach is caution: ensure allocations match your risk tolerance and make decisions grounded in careful research rather than short-term hype.
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Should I Invest in XRP?
As the crypto investment landscape expands, XRP is earning greater recognition from financial institutions, particularly for its efficiency in cross-border payments and remittances. Its recent legal victory over the SEC has further strengthened its position, paving the way for broader adoption and heightened visibility. With more crypto exchanges adding XRP to their listings, the token’s value may see significant upside.
That said, it’s essential to conduct thorough research on XRP and the wider crypto market before investing. This content is for informational purposes only and should not be considered investment advice.
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