Why Over 99% of XRP Holders are in Profit? Key Reasons to Know

Legal Wins Against SEC, Price Rally, and Institutional Support Drive This Massive XRP Surge

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23 Jul 2025, 7:30 pm

Key Takeaways

XRP's price surge above $3.50 has placed over 99% of holders in profit.
Ripple Labs’ legal victory and XRP ETF momentum have boosted investor confidence.
Strong blockchain adoption and institutional support continue to drive XRP’s growth.

XRP has become one of the best-performing cryptocurrencies in the market. A stunning over 99% of XRP holders are currently in profit, meaning almost everyone who owns XRP is seeing gains. This rare situation is the result of several key developments, including strong price growth, favorable legal decisions, growing investor interest, and positive news from both the company behind XRP and regulators.

This article explains the major reasons why XRP holders are in profit and what has led to this exceptional outcome.

Massive Price Growth in the Past Year

One of the most important reasons for XRP’s success is its sharp price increase. In late 2023, XRP price was below $0.50. By mid-2025, the price had climbed above $3.50. That’s more than a 500% increase in less than two years.

Such a big price jump means that anyone who bought XRP before the recent surge is now holding a profitable position. Even those who entered in early 2024 have seen significant gains.

This type of growth usually happens in response to important events, which in XRP’s case were mostly legal and institutional.

XRP was Cheap for a Long Time

For years, XRP price traded at relatively low levels, especially compared to other top cryptocurrencies. The main reason for this was the long legal battle between the US Securities and Exchange Commission (SEC) and Ripple Labs, the company behind XRP.

Because of the lawsuit, many investors stayed away, and the price remained low. But this created an opportunity: large numbers of retail investors and early adopters were able to buy XRP at very low prices.

When the legal issues were resolved, the price started to rise, and all those low-cost positions quickly became profitable.

Legal Victory Boosted Market Confidence

A major turning point for XRP came when the SEC officially ended its lawsuit against Ripple. The SEC dropped its appeal, and the case was closed. This brought much-needed clarity to the market.

As soon as the news broke, XRP jumped more than 13% in a single day. The legal win removed a huge cloud of uncertainty, and many investors who were waiting on the sidelines began buying XRP again.

This sudden boost in demand pushed prices even higher, turning many more holders into profit.

Also Read: XRP News: Will XRP Hit a New All-Time High Before July Ends?

Big Institutions are Getting Involved

Another reason XRP is gaining immense traction is increasing interest from institutions. The Chicago Mercantile Exchange (CME), one of the largest financial platforms in the world, announced it would launch XRP futures. This gives large investors and trading firms a safer and easier way to invest in XRP.

In addition, well-known financial analysts have given a bullish XRP price prediction, with some expecting the crypto to reach $5 or even $6 shortly. This has helped attract more money to XRP, further lifting the price and profits for existing holders.

Blockchain Data Shows Most Wallets are Profitable

On-chain XRP news from blockchain analysis firms shows that nearly 80% of the cryptocurrency’s wallets were already in profit when the price was around $2.20. Since then, the price has risen to over $3.40.

This means even more wallets are now profitable. The latest data shows that more than 99% of XRP holders are currently in profit, one of the highest ratios among all cryptocurrencies.

This shows how wide the gains have been across both small investors and large holders.

Ripple and Major Holders Have a Strong Influence

Ripple Labs still controls a large portion of the total XRP supply, along with a few top exchanges. Together, they hold over 40% of all XRP in circulation. This gives them a lot of control over market movements and supply.

In addition, blockchain data reveals that just 2,500 XRP is enough to place a wallet in the top 10% of all holders. This suggests a large number of XRP investors are smaller holders who entered at low prices.

This kind of supply distribution helps create sharp moves when demand increases, pushing prices higher and keeping most wallets in profit.

Government Policies Have Been Supportive

The US government introduced new laws that made it easier to invest in cryptocurrencies. These new rules brought clarity to the market and made it easier for companies and investors to work with crypto legally.

XRP was one of the biggest beneficiaries of this change. The US also announced the creation of a national crypto reserve, which included XRP among the list of approved assets. This gave the token more trust and visibility in the eyes of institutions and the public.

All of these developments helped XRP gain more support and keep its price moving upward.

Summary Table: Why XRP Holders are in Profit

Looking Ahead: What Could Happen Next?

Several events could continue to push XRP higher:

XRP ETF launch: If approved, an exchange-traded fund could bring more institutional money into XRP.

More exchange listings: If major exchanges like Binance US or Robinhood add XRP, demand could rise.

Further global adoption: More banks and companies could start using XRP for cross-border payments.

At the same time, it’s important to watch for risks such as market corrections, competition from other cryptocurrencies, or changes in global regulations. But for now, the outlook for XRP remains strong.

Also Read: XRP Price Pumps Again: Can It Break Key Resistance Soon?

Final Thoughts

The fact that over 99% of XRP holders are in profit in 2025 is a result of multiple factors working together. These include a long-awaited legal victory, a powerful price surge, rising institutional interest, favorable regulation, and strong investor sentiment.

XRP has managed to overcome years of doubt and legal uncertainty to become one of the top-performing crypto assets in the world. With more growth on the horizon, it remains one of the most watched cryptocurrencies in the market today.