Ripple’s legal resolution boosts ETF approval odds and removes regulatory uncertainty.
Whale accumulation and strong technical support hint at a bullish setup around $2.20.
Real-world use through stablecoins and cross-border solutions supports long-term demand.
XRP, the native token of Ripple Labs, is trading at $2.18, still far from the bold $10 target some analysts and investors are eyeing. While such a price may seem aspirational in the short term, several evolving catalysts suggest that a $10 valuation could be achievable within the next few years under the right conditions.
From long-awaited regulatory resolution to upcoming institutional products and the development of Ripple’s ecosystem, XRP’s potential is tethered to real-world progress, not just speculative sentiment. However, challenges remain, and competition is heating up fast.
The single most transformative event for XRP in 2025 has been the nearing conclusion of Ripple's legal standoff with the U.S. Securities and Exchange Commission (SEC).
In late June, Ripple voluntarily dropped its cross-appeal, signaling a move toward final settlement. Though the SEC must still vote to dismiss its appeal, the broader market has interpreted this as a green light for Ripple to resume business without looming legal uncertainty.
For years, the SEC lawsuit stifled XRP’s adoption in the U.S., limiting listings on major platforms and deterring institutional interest. Now, with that cloud finally dissipating, XRP has re-entered the conversation as a serious financial instrument, opening the door to new financial products and investor access.
One of the most anticipated developments is the potential approval of spot XRP exchange-traded funds (ETFs). Following the success of spot Bitcoin ETFs earlier this year, analysts predict that XRP could be next in line. ETF specialists now estimate a 90 - 95% probability of approval before the end of 2025, with several filings already in motion.
The implications are massive. Spot ETFs would provide regulated, secure exposure to XRP through traditional brokerage accounts, potentially bringing billions in new capital from institutional and retail investors alike.
If ETF inflows for XRP capture even a fraction of what Bitcoin achieved, the impact on price could be profound. Some models suggest that even 30 - 35% of Bitcoin ETF volume reallocated to XRP could elevate its market cap past $1.5 trillion, putting a $10 target within reach.
On the technical front, XRP has shown resilience. After peaking near $3.30 earlier this year, it has since consolidated within the $2.10 - $2.30 range. Analysts see this as healthy consolidation, not a breakdown.
Key moving averages are tightening, and the RSI remains in neutral territory at 50.10, giving the token room to run once momentum returns.
On-chain analytics indicate that over $1.7 million worth of XRP recently moved from exchanges into cold storage, signaling accumulation rather than speculative trading. This trend, when paired with a decrease in short-term speculative flows, suggests the market is maturing around XRP.
XRP’s future isn’t just about legal wins or price charts; it’s about adoption. Ripple’s core utility remains cross-border payments, but the company is rapidly expanding into new financial infrastructure.
Ripple USD (RLUSD), its recently launched U.S. dollar-pegged stablecoin, is a standout example. With over $450 million in circulation just six months after launch, RLUSD is making it easier for banks and fintech firms to transact on-chain, using XRP as the bridge currency.
This stablecoin could accelerate liquidity on RippleNet and increase demand for XRP in institutional corridors.
Ripple is also making strategic moves in tokenization and CBDC infrastructure. By positioning XRP at the center of future digital payment frameworks, Ripple is aiming to make XRP indispensable to global financial plumbing, an ambition that, if realized, could power long-term price appreciation.
Also Read: XRP Price Prediction: What a 50x Surge Could Look Like
Still, XRP’s path to $10 won’t be without headwinds. New players are rapidly entering the cross-border payments space, including traditional financial giants. JPMorgan Chase, for example, has partnered with Coinbase to launch JPMD, a blockchain-based settlement token targeting the same use case as XRP.
Built on Coinbase’s Base network, JPMD is backed by a major U.S. bank and represents a direct challenge to Ripple’s market share.
Such developments underscore the urgency for Ripple to continue innovating and securing institutional partnerships. If competitors scale faster or offer more attractive blockchain solutions, XRP’s adoption curve could flatten, putting downward pressure on its long-term valuation potential.
For XRP to reach $10, a confluence of factors must align:
Regulatory closure must be finalized, freeing XRP for widespread integration.
ETF approvals must materialize, driving institutional inflows.
Real-world utility must expand, particularly in stablecoins, tokenization, and cross-border use cases.
Macro conditions must remain favorable, supporting risk-asset growth.
Given XRP’s current market structure, hitting $5 over the next 12 to 18 months appears increasingly plausible. If momentum continues and market sentiment turns decisively bullish, $10 could be attainable within a multi-year window, possibly by 2027 or 2028.
While the road to $10 is neither guaranteed nor linear, XRP is arguably in its best strategic position since its peak years. With regulatory burdens easing and new use cases emerging, the opportunity is there for those patient enough to wait.
1. Is the SEC case against Ripple over?
Ripple dropped its appeal; the SEC is expected to follow shortly.
2. When might XRP ETFs launch?
Likely in late 2025, with approval odds near 95%.
3. What is RLUSD, and why does it matter?
It’s Ripple’s USD stablecoin, aiding XRP adoption in finance.
4. Could XRP hit $10?
Yes, but likely not before 2027 - 2028 with favorable conditions.
5. What’s XRP’s biggest risk now?
Rising competition from JPMorgan and tokenization rivals.