What is XRP?
XRP is a digital asset purpose-built to transform global money transfers, offering faster speeds, lower costs, and broader accessibility. It’s primarily geared toward streamlining cross-border payments, delivering near-instant settlements with minimal fees — all without needing trust between transacting parties. Unlike most crypto assets, XRP is not mined; instead, it was entirely pre-issued and is actively maintained by Ripple, a company focused on upgrading legacy systems like SWIFT.
In recent developments, XRP experienced a sharp price increase, outperforming many major crypto assets. The rally was driven by a landmark U.S. court ruling, which clarified that a specific sale of XRP did not qualify as an investment contract. This regulatory boost propelled the asset’s price to nearly $0.94 before settling around $0.82.
Read more: Ripple transforming cross border payments
How Much is XRP Worth?
At the time of writing, XRP was trading at $2.43.
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 59.06 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 | $2.43 |
| Market Capitalisation | $143.69 billion |
| 50-day SMA (1 Day) | $2.22176 |
| 100-day SMA (1 Day) | $2.21095 |
| 200-day SMA (1 Day) | $2.36286 |
| 14-day Relative Strength Index (1 Day) | 67.03650 |
Ripple Lawsuit with the SEC
The U.S. Securities and Exchange Commission (SEC) had filed a lawsuit against Ripple and its top executives, accusing them of conducting a $1.3 billion unregistered securities offering through the sale of XRP, Ripple’s native crypto asset. While the SEC has pursued over 100 crypto-related enforcement actions — often labeling tokens as securities and resolving most cases through settlements — the Ripple case unfolded differently.
A pivotal moment came when a U.S. judge ruled that Ripple’s public sales of XRP on exchanges did not violate federal securities laws. This marked a major win for the crypto industry, sparking a price rally that briefly pushed XRP to $0.94 before settling near $0.82. However, the decision was not entirely one-sided. The court concluded that institutional sales — totaling $728.9 million — did qualify as unregistered securities offerings, handing the SEC a partial victory.
August 2024 marked a defining moment: the court officially ruled that XRP, when traded on secondary markets, is not a security. Although Ripple was fined $125 million for its institutional sales, the broader market reaction was optimistic. By June 2025, the legal saga effectively came to a close as the SEC dropped its appeal and reached a settlement with Ripple. The revised agreement reduced Ripple’s penalty to $50 million, with the remaining amount returned to the company.
As part of the settlement, Ripple agreed to implement stronger disclosure practices for future institutional XRP sales, ensuring full compliance by 2029. This resolution brings long-awaited regulatory clarity to XRP, affirming its non-security status in public markets and restoring investor confidence in the asset.
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 Prediction
Is XRP a Good Investment?
XRP is currently viewed by many as a promising investment following its legal win against the SEC. However, it’s crucial to conduct in-depth research before committing any funds. Like all crypto assets, XRP carries inherent risks, and investors should only invest what they can afford to lose. Even top-ranked assets can see sharp declines during bear markets, so proper due diligence is essential before making any investment decisions.
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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.
Read more: Bitcoin Price Prediction
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