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XRP holds the #3 spot in cryptocurrency with a market cap near $195 billion.
Legal clarity after SEC settlement boosts investor confidence in XRP.
BlackRock has no current plans for spot XRP ETFs despite futures ETF approval.
XRP is currently trading at approximately $3.20 to $3.30, with a total market value of around $190 to $195 billion based on the circulating supply of about 59.3 billion tokens. That solidly places XRP as the third-largest cryptocurrency by market capitalization today. Bitcoin reigns at the top, with Ethereum in second place.
A major obstacle for XRP price has just been lifted. On August 8, 2025, the US Securities and Exchange Commission formally settled its lawsuit against the company behind XRP. Ripple agreed to pay a civil penalty of $125 million.
Most importantly, the courts confirmed that XRP sold programmatically on exchanges is not considered a security, which removes a huge source of uncertainty and risk for many participants in the market.
Also Read - Why Investors Should Be Careful with XRP in the Coming Months?
Regulated investment products tied to XRP have begun to appear. Futures-based XRP ETFs (exchange-traded funds that bet on price moves rather than holding XRP directly) are now permitted and available. However, the most impactful product, spot XRP ETFs, has not yet been approved. Several firms have applied, and US regulators are reviewing them, but firms like BlackRock have stated they have no immediate plans to launch a spot XRP ETF. So while regulated exposure is improving, the most accessible format for mainstream investors remains uncertain.
Two important developments from XRP news today are the crypto’s growing utility on its blockchain (XRPL). First, Ripple launched RLUSD, a dollar-backed stablecoin, in late 2024. It now operates on both XRPL and Ethereum and has regulatory approval in key jurisdictions. RLUSD continues to gain traction, potentially increasing actual payments activity on the XRP Ledger.
Second, in March 2024, XRPL introduced its native automated market maker (AMM), allowing users to trade and provide liquidity without relying on external order books. This built-in decentralized exchange capability makes trading smoother and encourages greater participation. On top of these, XRPL charges a tiny fee on each transaction that destroys a small amount of XRP, making the supply slightly deflationary over time, another structural benefit.
XRP price prediction proposes that if the altcoin reaches $30, the circulating market capitalization would soar to about $1.78 trillion, since there are approximately 59.3 billion XRP in circulation. On a full supply basis (100 billion XRP), that would mean a valuation of $3 trillion.
In comparison, Bitcoin’s market cap today is roughly $2.4 trillion, and Ethereum’s is around $560 to $580 billion. For XRP to jump so high, it would need to rival or exceed Bitcoin’s entire valuation on a circulating basis, an incredibly steep climb.
Several factors could support a dramatic rise in XRP’s price during this bull cycle, if everything aligns just right. Strong macroeconomic momentum, such as continued drops in inflation and expected interest rate cuts, often lifts the entire crypto market. The legal settlement removes a major hurdle, potentially triggering renewed institutional interest and confidence.
If a spot XRP ETF is approved, that would open XRP to a vast new pool of investors. Greater use of RLUSD and the AMM could also lead to real-world demand and higher on-chain activity. Taken together, these could drive prices sharply upward.
Several factors caution against expecting a $30 price target this cycle. For one, the total crypto market itself is valued at roughly $4.1 to $4.2 trillion. For XRP to achieve a $1.8 trillion valuation, it would need to claim an unprecedented 40 to 45 percent of the entire market outside Bitcoin.
That is historically unlikely. Spot ETF approval remains uncertain, with major players not actively pursuing one at this moment, limiting potential inflows. Supply pressure remains from Ripple’s regular escrow releases, though most are locked again, but the market still needs to absorb that supply. Finally, competition from other stablecoins like USDT and USDC, operating across multiple fast chains, could limit how much settlement and growth actually flows into XRP.
Also Read - Is XRP the Next Crypto to Create Millionaires?
A $30 price by the end of this cycle would require a near-perfect alignment of factors: spot ETF approval, booming macro trends, legal clarity, growing real-world use via RLUSD, and XRPL’s liquidity tools all gaining traction. Without most of those in place, a move from around $3 to $30 feels unrealistic. More plausible outcomes lie in modest single-digit gains if XRP continues to benefit from the broader bull market, legal certainty, and growing utility, without the dramatic capital flight needed to create a trillion-dollar valuation.
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