Is XRP a Good Investment in 2025?

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?

XRP Legal Clarity 

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.

ETF Approvals Could Push XRP Price $27

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.

Whale Accumulation XRP

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..

But Caution Still Matters

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.