The XRP lawsuit case has been one of the biggest spotlights in crypto over the past few days, especially after Judge Torres responded to a joint request by Ripple and the SEC to review a proposed $50 million settlement. Just as this legal twist grabbed headlines, XRP jumped 4.5% in the last 24 hours and is now trading around $2.18.
With so much happening, many are now asking — is XRP a good investment in 2025, or is it still too early to tell?
One of the biggest reasons investors have stayed cautious about XRP was the ongoing lawsuit with the SEC. But things are changing. The court has now made it clear that XRP itself is not a security when sold on open markets — only direct sales to institutions were flagged.
With Ripple dropping its cross appeal and the SEC expected to do the same, the legal cloud is finally clearing. This is helping restore investor trust, especially among institutions.
Another major boost is coming from Wall Street. Three futures ETFs were approved, and CME plans to list XRP futures soon. At the same time, Polymarket, a prediction platform, says there’s a 78% chance that a Ripple ETF will be approved by the end of 2025.
Crypto analyst Egrag Crypto also shared his view, saying that if an XRP ETF gets approved, the price could jump to between $20 and $27.
Behind the scenes, big money is moving in. A new report shows that the number of wallets holding over 1 million XRP has hit a record high of 2,850. Also, wallets with more than 10,000 XRP have grown by 6.2% this year, now totaling around 306,000..
Meanwhile, crypto analysts, like Arthur Hayes, suggest waiting for the XRP price to dip, perhaps around $1.30, to enter.
However, the current resistance around $2.20–$2.24 could lead to short-term pullbacks.
On the flipside, other experts believe XRP can go well above $10 if momentum builds.
XRP’s price is up today primarily due to Ripple’s recent decision to withdraw its cross-appeal against the SEC, signaling the nearing end of the lawsuit. This move has instilled greater market confidence and fueled speculation about potential spot XRP ETF approvals, attracting both retail and whale accumulation.
A proposed $50 million settlement between Ripple and the SEC was recently rejected by Judge Torres. While the judge upheld the $125 million penalty, Ripple has withdrawn its cross-appeal, and the SEC is expected to drop its own appeal. This indicates the lawsuit is likely concluding without a judicially approved settlement.
The approval prospects for a spot XRP ETF in the U.S. are significantly improving. With Ripple dropping its appeal against the SEC and the SEC expected to follow suit, many analysts believe the path is clearing, with some predicting a high probability of approval by late 2025. Futures-based XRP ETFs are already trading.
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