The Ripple vs SEC case continues to take new twists and turns every day. Recently, a crypto expert Jesse from Apex Crypto Consulting shared that the Ripple vs. SEC lawsuit might be more than just a legal battle.
According to him, Ripple is deeply connected to big players like central banks and the IMF and its bigger goal might be turning XRP into a global reserve currency, replacing systems like SWIFT. He also pointed out that Ripple has continued to rise without facing any pushback and it may be working with major financial powers behind the scenes.
The expert says that the SEC lawsuit is a strategy to keep XRP’s price low while Ripple expands its global network.
However, legal expert Bill Morgan pushed back against the idea that the lawsuit was all part of a planned show. He said that he had never supported this theory, even though the two recent joint motions for indicative rulings were weak and unnecessarily delayed the lawsuit by around three months.
Although the delays are frustrating and there has been little progress, Morgan believes that this is not part of a hidden agenda.
The comments also voiced similar thoughts toward the theory. X Users noted that it’s unrealistic to think Ripple would voluntarily enter a lawsuit, spend hundreds of millions on legal defense, and endure years of uncertainty, just to play out a plan behind the scenes.
They see the delays and motions as standard legal hurdles and argue that such a complex and costly lawsuit would not be staged merely to manipulate public perception or XRP’s price.
There are also growing speculations in the community after Ripple co-founder Arthur Britto made a rare public appearance, just days before Ripple applied for a banking charter and a Fed master account. With both Ripple and the SEC moving to drop their appeals, some believe that a major behind-the-scenes move could be underway.
The lawsuit continues with speculations across the crypto community. There were rumors that the case could finally end today. However, a legal expert clarified that these decisions take longer to finalize.
This comes after Ripple CEO Brad Garlinghouse recently revealed that the company is dropping its appeal to officially close this chapter. Attorney Fred Rispoli pointed out that Ripple’s quick move, just a day after Judge Torres’ ruling, suggests that it had already planned for this outcome, likely coordinating with the SEC to move forward smoothly.
The SEC sued Ripple Labs in December 2020, alleging that Ripple and its executives conducted an unregistered securities offering by selling XRP to finance their business. The SEC argued that XRP, particularly institutional sales, constituted an “investment contract” under U.S. securities laws and should have been registered.
The lawsuit is nearing its official close with a settlement agreement and appeals withdrawn by both sides. The key outcome, from Judge Analisa Torres’s August 2024 ruling, is that XRP itself is not a security for programmatic (retail) sales on exchanges, but Ripple’s institutional sales of XRP were deemed unregistered securities offerings. Ripple is expected to pay a $125 million civil penalty.
Some bullish analysts, like “Egrag Crypto,” project XRP could reach between $22 and $27 by 2026, citing historical price patterns. However, other predictions are more conservative, with ranges from $5.50 to $8.50 for 2026. A $1.2 trillion market cap for XRP by 2026 would imply a significantly higher price per XRP than most current projections, as its current market cap is around $133 billion (July 2025).
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