The long-running legal battle between Ripple and the SEC is finally reaching its endgame, and the crypto world is on edge. After years of courtroom clashes, shifting regulations, and unexpected twists, the case is now at a crucial turning point. Will Ripple walk away with a reduced fine and clarity for XRP, or will the SEC tighten its grip with harsher penalties?
With major decisions just around the corner, the stakes have never been higher. Some experts predict a settlement, while others warn of a drawn-out fight.
Let’s dive into the possible outcomes.
Crypto analysts believe the SEC, under potential new leadership in 2025, might decide to withdraw its appeal. If that happens, Ripple would likely face a $125 million fine and a permanent ban on institutional XRP sales. While this would bring some clarity, it would still limit Ripple’s operations.
Another possibility is a settlement where the SEC agrees to reduce the fine—possibly to $75 million. However, the restriction on institutional sales would remain. Even if both sides reach an agreement, lifting this restriction requires court approval, adding complexity. Analysts suggest that if Paul Atkins, a possible nominee for SEC chair, takes office, he could push for this approach.
A less favorable outcome would be the Second Circuit overturning Judge Torres’s ruling, classifying XRP’s programmatic sales as securities. This could lead to fines exceeding $500 million and even stricter restrictions on Ripple’s activities.
Ripple’s cross-appeal offers another scenario—it could argue to remove the restriction on institutional sales while keeping the $125 million fine. If successful, Ripple could resume these sales, benefiting both the company and the wider crypto market. However, a complete SEC retreat, while ideal for Ripple, is considered unlikely due to judicial oversight.
Legal expert Fred Rispoli points to April 16, 2025, as a key date in the case but warns that the resolution could stretch beyond mid-2025. Attorney Jeremy Hogan suggests that while a settlement is possible by summer, delays could happen, especially with the SEC pushing for a $125 million penalty. Many in the crypto community expect a resolution by September.
Meanwhile, crypto analyst MetaLawMan is more optimistic, predicting the case could wrap up before April 16. He believes the SEC may withdraw its appeal in March, allowing for an immediate settlement.
As the case nears its conclusion, XRP holders are hopeful for an XRP ETF. Some believe the SEC has delayed crypto ETF approvals because of this case. If a resolution comes by April, XRP could see a surge in investment, positioning it for significant growth.
The countdown to resolution has begun, but whether it brings clarity or more uncertainty remains to be seen
Key dates like April 16, 2025, and potentially by summer 2025 could mark significant resolutions, with many hoping for closure by September.
Ripple has not won yet, but it secured a partial victory with Judge Torres’s ruling that XRP’s programmatic sales are not securities, though the case is ongoing.
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