XRP price prediction

XRP seemingly rose from the dead in January, rallying to its highest level in seven years on the heels of positive regulatory developments and excitement over the incoming Trump administration.

In the first two weeks of the year, XRP’s price surged by as much as 60% to reach $3.35—a level that would have seemed highly improbable one year ago when it was trading around $0.50. The rally put XRP within 15% of its all-time high set back in January 2018.

XRP rose to prominence during the 2017 crypto bull market, but it quickly fell out of favor with many investors after the U.S. Securities and Exchange Commission (SEC) filed a lawsuit against the coin’s issuer, Ripple Labs, in 2020.

At the time, the SEC accused Ripple of violating securities laws by selling XRP without registering it as a security.

After a years-long legal battle, Ripple scored a major victory against the SEC in 2024 when a judge ruled that XRP is not a security by itself. According to Judge Analisa Torres, Ripple only broke securities laws when it sold XRP to institutional investors.

Instead of receiving $2 billion in penalties as the SEC demanded, Ripple was only ordered to pay $125 million in fines.

Perhaps the biggest cost Ripple incurred was the legal fees to clear its name.

“With the SEC [...] by the time all’s said and done, we will have spent $200 million defending ourselves against a lawsuit, which from its very beginning, people were like, well, this doesn’t make a lot of sense,” Ripple CEO Brad Garlinghouse said back in 2023.

Following the landmark ruling, Garlinghouse criticized the SEC for having a bone to pick with Ripple instead of focusing on real issues.

“If [Chairmna] Gensler and the SEC were rational, they would have moved on from this case long ago,” he said.

“It certainly hasn’t protected investors and instead has damaged the credibility and reputation of the SEC. Somehow, they still haven’t gotten the message: they lost on everything that matters. Ripple, the crypto industry, and the rule of law have already prevailed,” Garlinghouse said.

By clearing a major regulatory hurdle, XRP is back in the good graces of institutional investors and perhaps even lawmakers. According to market strategist Louis Navellier, XRP “has been identified as the crypto of preference by the Fed and some major banks.”

Although the legal scuffle between the SEC and Ripple isn’t over yet—the securities regulator has appealed Judge Torres’ judgment—the rest of 2025 is shaping up to be a strong year for XRP.

XRP price prediction 2025

As one of the most hotly debated projects in crypto, there’s no clear consensus on where XRP is headed. Hani Abuagla, an analyst at the XTB exchange, summed this up perfectly when he said XRP price targets could range from $5 to $100.

With a maximum supply of 100 billion, XRP’s market cap would reach a staggering $10 trillion if the high end of that range is realized.

Such uber-bullish price targets assume that XRP will become a common currency for cross-border payments, microtransactions, bank transfers, and other financial applications. For all the momentum driving Ripple and XRP of late, even the most bullish XRP enthusiasts have a hard time justifying any price above $10 this year.

For example, crypto analyst Javon Marks said it’s “looking like a matter of time” before XRP reaches at least $4.80. This would represent a gain of at least 50% from XRP’s current price of around $3.10. However, it would still need a 100% rally from that level to reach $10.

When cryptocurrency exchange Binance asked the popular AI search engine DeepSeek about XRP’s price target by the end of 2025, it gave a range of $3.50 to $5.00. Given that the crypto bull market is expected to peak this year, XRP has a reasonable chance of hitting the upper end of that range.

“DeepSeek AI’s bullish outlook on XRP aligns with the broader market sentiment surrounding Ripple’s potential to revolutionize the payments industry,” Binance’s Janeen Mcilvaine wrote.

Arthur Azizov, who heads crypto payments provider B2BinPay, said he expects XRP’s price to peak at $7.00 in the first half of this year. Whether XRP will continue to grind higher in the second half of 2025 is unclear.

In the meantime, XRP is likely to benefit from Ripple’s business expansion, which has seen the company launch its own stablecoin and secure an important license in Dubai.

There’s also speculation that XRP could be one of the cryptocurrencies selected for the U.S. government’s digital asset reserve, which is still in its exploratory phase.

Brad Garlinghouse confirmed that he spoke to Trump about the possibility of XRP being a strategic reserve asset.

“I have spoken directly with th president on some of the things and it is very clear to me that the president understands the technology. He wants to be the crypto president of the United States,” said Garlinghouse.

Bitget Research chief analyst Ryan Lee said most 2025 XRP price forecasts range between $1.80 and $8.40, with the most optimistic scenarios showing a peak above $10. Since XRP has vastly exceeded the lower end of that range already, the upper bound of Lee’s range is still in play.

Optimism beyond 2025

XRP has always been a polarizing project in the crypto community.

Its ardent supporters, known as the XRP Army, believe the cryptocurrency was designed for utility and real-world usage, unlike other coins that serve no practical purpose. They believe XRP and Ripple’s technology could one day be incorporated into the global financial system.

Conversely, detractors criticize XRP for its perceived centralization, pre-mined token supply, and the tremendous influence exerted by a few Ripple executives.

Nevertheless, Strahinja Savic, the head of data and analytics at FRNT Financial Inc., believes XRP’s momentum is only just getting started.

“There is a lot of optimism that Ripple can focus on XRP adoption and utility if this case is resolved under the new Trump administration SEC,” Savic said. “This optimism is additionally buoyed by the ‘XRP Army,’ the fervent and highly loyal social media-based community that is highly supportive of the asset.”

According to Bitget CEO Gracy Chen, Ripple’s recent launch of its U.S. dollar stablecoin, RLUSD, will likely give the company more inroads into the traditional financial sector.

Stablecoins are digital versions of fiat currencies like the dollar issued by private companies. RLUSD is fully backed by cash, bank deposits, and U.S. Treasurys.

The launch of RLUSD “ has strengthened Ripple’s position in the financial sector and increased demand for XRP, particularly in light of its partnerships with major banks and payment systems,” said Chen.

Ripple continues to collaborate with banks and financial institutions worldwide. More than 100 banks, including Santander, CIBC, SEB, and Siam Commercial Bank, have joined RippleNet, the company’s cross-border payment system.