Is XRP Dead in 2025? The Current State of XRP
While XRP remains one of the largest cryptocurrencies by market cap, it trades at just over half the price of previous all-time highs. However, the past year has been good for the coin, and it increased by +514.61% in the past 12 months, compared to the broader market.
Recent events have inspired new hope in investors asking is XRP dead, and it seems that there’s still life in this established layer-1 project. Read on to discover our XRP analysis, what the future holds, and whether we consider it a buy, sell, or hold.
Summary: Is XRP Dead?
- XRP remains a top 10 crypto asset, actively expanding its financial partnerships including 3 new central bank CBDC pilots, and daily trading volumes consistently exceeding $1.5 billion. The community continues growing with over 4.8 million active wallets.
- Currently priced at $2.76, XRP has delivered +514.61% growth over the past 12 months. The token’s market cap recently surpassed $162.92B amid renewed institutional interest.
- XRP’S resistance at the $3.00 psychological level remains strong. Analysts debate if it can retest its ATH this cycle, with potential catalysts being an XRP ETF approval or Ripple’s rumored IPO.
What Is XRP?
XRP is a cryptocurrency that backs the Ripple network. Launched in 2012, Ripple facilitates cross-border transactions for financial institutions. XRP is required when financial institutions engage in cross-currency transactions.
For instance, suppose a bank in Vietnam (VND) wants to transfer funds to the UK (GBP). XRP provides a liquidity bridge for that transaction. This means the Vietnam bank doesn’t need correspondent banking partnerships, which are expensive, slow, and fraught with red tape. Ripple and XRP are saving financial institutions precious money and time and revolutionizing a multi-trillion-dollar industry.
Transitioning from SWIFT to Ripple provides many benefits, including average transaction speeds of 3-5 seconds and rock-bottom fees; XRP transfers cost an average of 0.00001 XRP, regardless of the transaction size.
Here’s an example of how it works:
- A bank in Thailand wants to transfer $1 million worth of Thai baht (THB).
- The receiving bank is based in Canada, which only holds Canadian dollars (CAD).
- The Thailand bank uses THB to purchase $1 million worth of XRP.
- The XRP is almost instantly sold for CAD and transferred to the Canada bank.
The above transaction is fast and cost-effective. Additionally, anyone can buy XRP from public exchanges and hold the coins as an investment vehicle.
The Current State of XRP
XRP has achieved major regulatory clarity with Ripple’s $50M settlement with the SEC, ending years of uncertainty. The SEC dropped its appeal and confirmed XRP isn’t a security in secondary markets, signaling a softer crypto stance. This resolution removes a key barrier to institutional adoption and positions XRP for broader financial integration.
Ripple’s partnerships are expanding globally, including a deal with Chipper Cash to power African cross-border payments for more than 5 million users. Notably, 80% of Japanese banks will adopt XRP for international transfers by the end of 2025. These developments, alongside central bank collaborations, demonstrate increasing real-world utility for XRP in banking systems.
While XRP’s price hasn’t yet reclaimed its $3.92 peak, the combination of regulatory resolution and expanding partnerships creates strong fundamentals. With the SEC case resolved and financial institutions increasingly adopting Ripple’s technology, XRP appears well-positioned for sustainable growth in global payments. However, competition from stablecoins and CBDCs remains a challenge to monitor.
XRP’s Price Performance in 2025
XRP has shown steady performance in cur_year], currently trading around $2.76 with some daily fluctuations. Our analysts project potential growth to $2.35 by year-end, if bullish trends continue. The resolution of Ripple’s SEC lawsuit and expanding financial partnerships provide strong fundamentals for this upward trajectory.
The token’s stability contrasts with some of the some of the more volatile and the best meme coins like DOGE and SHIB, as XRP’s value stems from real-world payment solutions rather than speculation. While DOGE ($0.20) and SHIB($0.000012) rely on community hype, XRP’s institutional adoption through Ripple’s cross-border payment network anchors its $162.92B market valuation.
Market optimism remains cautious however, as cryptocurrency prices remain susceptible to macroeconomic shifts. XRP’s established banking partnerships and regulatory clarity position it favorably against purely speculative assets, but its growth potential still depends on broader crypto adoption and the successful implementation of Ripple’s payment solutions globally. Technical analysts note key resistance at $2.50 could determine near-term momentum.
The Bullish Case for XRP: Why It Still Has Life
Still asking the question – Is XRP dead? This section explores the bullish thesis for the XRP price. Read on to learn why XRP remains popular with many long-term holders, even in bearish trends and times of strong price volatility.
SEC Lawsuit Resolution
Ripple’s landmark settlement with the SEC resolves years of legal uncertainty, with the company paying a reduced $50 million fine instead of the original $125 million penalty. The SEC dropped its appeal and confirmed XRP is not a security in secondary markets, while Ripple withdrew its cross-appeal, clearing the way for the injunction to be lifted within 60 days following an SEC Commission vote.
The resolution immediately boosted XRP’s price by 10% and provides crucial regulatory clarity for institutional adoption. Analysts suggest this paves the way for potential XRP ETF applications and strengthens Ripple’s position in global payments. The settlement marks a turning point after the SEC’s 2020 lawsuit created market instability.
With the legal overhang removed, Ripple can now focus on expanding its payment network partnerships and technology development. The case’s conclusion sets an important precedent for crypto regulation, demonstrating how blockchain firms can navigate U.S. securities laws while maintaining compliance. Industry observers view this as a positive development for both Ripple and the broader digital asset space.
Potential as World Bridge Currency
Some analysts claim that XRP could become the world’s bridge currency. It provides liquidity for cross-currency transactions that would otherwise require correspondent banks.
According to Ripple, its average transaction cost is just 0.00001 XRP, approximately $0.005 . What’s more, most transactions are settled within 3-5 seconds. If Ripple establishes institutional partnerships that involve the usage of XRP, we could witness another strong XRP price rally ahead. However, SWIFT still dominates in this space and institutional adoption hasn’t been as fast as would be ideal.
What is the XRP supply?
- The maximum XRP supply is 100 billion.
- Currently, approximately 59.07B billion XRP is in the circulating supply.
- This means more than 41.8 billion XRP is currently held by Ripple, and will eventually enter the market.
The Bearish Argument: Why XRP Is Dead
This section explores the bearish thesis regarding the XRP price and its prospects as a project. It will help you answer the question, “Is Ripple dead?”
Continued Regulatory Pressure
Despite the SEC dropping its appeal, Ripple continues to face legal hurdles including a pending $125 million fine and an injunction limiting XRP sales to institutional investors, creating regulatory uncertainty that may dampen investor confidence and hinder broader adoption.
Additionally, future administrations could potentially reopen investigations into past XRP sales, introducing the risk of renewed legal challenges that might further complicate Ripple’s regulatory landscape and market position.
Decreased Activity
XRP’s network activity has shown concerning signs of decline, with active addresses plummeting 50% since December 2024 – a potentially bearish indicator for investor sentiment.
Compounding this issue, massive whale sell-offs have repeatedly pressured prices, most notably when a 1 billion XRP escrow release triggered a dramatic 24.6% price drop, highlighting the token’s vulnerability to large-scale liquidations. These twin challenges of dwindling usage and supply overhang continue to weigh heavily on XRP’s market performance.
More Advanced Competition
XRP faces growing competitive pressures from both stablecoins and new blockchain technologies that match or overcome its speed and cost advantages, potentially undermining its core value proposition.
Additionally, the rapid development of central bank digital currencies (CBDCs) poses a significant threat, as widespread CBDC adoption could decrease XRP’s role in cross-border payments by offering direct, government-backed alternatives. These dual challenges from private-sector innovations and public-sector digital currencies could significantly erode XRP’s market position if left unaddressed.
Conclusion – Is XRP Dead in 2025?
Overall, XRP is a quality blockchain project with a solid use case. Its underlying network, Ripple, serves banks and financial institutions, enabling them to transfer funds across borders in seconds with considerably low fees.
XRP provides cross-currency transactions with almost instant liquidity, so those using the Ripple network have a reason to hold it. While its all-time high of $3.92 was reached in early 2018 and hasn’t been surpassed yet, XRP’s performance in 2025, coupled with favorable regulatory developments and ongoing adoption efforts, presents a compelling case for potential investment. It has overperformed most cryptocurrencies in recent times, too, disproving many analysts’ claims that XRP is dead.
So, is XRP a good investment? In our view, if you are comfortable with volatility and the potential for long-term gains, XRP could be a worthwhile addition to a diversified portfolio. However, it also carries significant risks typical of the crypto market. Ultimately, investors should conduct their own research to make an informed decision.
FAQs
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References
- XRP Price Data (CoinMarketCap)
- XRP Ledger: Built for Business (Ripple)
- Ripple Labs notches landmark win in SEC case over XRP cryptocurrency (Reuters)
- XRP soars 75% after judge rules for Ripple, Coinbase shares up 24% (Fortune)
- Ripple helps Siam Commercial Bank drive innovation with instant cross-border remittances (Ripple)
- Ripple Labs says it settles with US SEC, will pay reduced $50 million fine (Reuters)
- Ripple Partners With Chipper Cash to Boost Payments in Africa Using XRP (CoinDesk)
- 80% of Japanese Banks Set to Embrace XRP for Global Payments by 2025 (Nasdaq)
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