XRP Price Set to Rally? Analyst Predicts ETFs, SEC Settlement, and Ripple IPO

With Donald Trump’s victory, the crypto market is buzzing with hope, especially for long-standing cases like Ripple vs SEC. Many believe that a pro-crypto administration could ease regulatory roadblocks, giving XRP the opportunity for significant growth. Crypto analyst Luke Thomas recently shared a bold roadmap for Ripple and XRP, predicting major milestones in the next 3-9 months.

Here’s a breakdown of his predictions and what they could mean for Ripple’s future.

Will Ripple Finally Launch Its RLUSD Stablecoin?

With new stablecoin regulations expected soon, Thomas suggests that Ripple may finally be able to roll out its RLUSD stablecoin for commercial use. This would mark a significant step, as regulatory approval would allow Ripple to launch RLUSD in the market, positioning the company as a leader in regulated digital payments.

Thomas also anticipates that major financial players, such as BlackRock, could soon file for XRP spot ETFs. These funds might focus exclusively on XRP or bundle it with assets like Bitcoin and Ethereum. If approved, these ETFs would attract new investors to XRP, potentially boosting its adoption and visibility in the market.

Ripple’s Strategic Plans for 2025

The ongoing lawsuit with the SEC has kept Ripple in a tight spot, but Thomas believes a settlement is finally within reach. Ripple might pay a substantial fine, rumored to be around $125 million, which could allow it to sell XRP directly to institutions. 

Following a likely SEC settlement, Ripple will announce its IPO plans, targeting a public listing by late 2025. An IPO would not only attract significant investment but would also solidify Ripple’s status as a top-tier financial technology firm.

Big Banks May Adopt XRP for Cross-Border Payments

Thomas also expects that at least one top-five U.S. bank will announce plans to use XRP for cross-border transactions. In the longer term, he sees Ripple using IPO proceeds to acquire companies in areas like Real World Assets and derivatives, expanding its footprint in high-value markets.

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Regulatory Clarity Could Change the Crypto Markets

Looking ahead, Thomas sees a wave of regulatory clarity sweeping the market, possibly eliminating up to 80% of cryptos—especially meme coins. This shift could steer investments toward utility-driven tokens, benefiting projects like XDC, VET, ALGO, and HBAR.

The future of Ripple and XRP is bright, with a clear path ahead.