Is XRP Dead in 2025? The Current State of XRP
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While XRP remains one of the largest cryptocurrencies by market cap, it trades at a lower price than previous all-time highs. However, the past year has been good for the coin, and compared to the broader market, it increased by -18.92% in the past 12 months.
Recent events have inspired new hope in investors who ask, “Is XRP dead?” 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.
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Summary: Is XRP Dead?
No, XRP is not dead; it remains a legally resilient and institutionally aligned cryptocurrency with strong real-world utility and ongoing development.
- Legal Clarity Achieved: Ripple’s favorable resolution with the SEC has reduced regulatory uncertainty, paving the way for broader institutional adoption.
- Active Institutional Use: RippleNet continues to expand, facilitating fast, low-cost cross-border payments for financial institutions globally.
- Trading Liquidity and Volume: XRP maintains high liquidity and market presence, ranking among the top cryptocurrencies by trading volume.
- ETF and Financial Product Potential: Growing speculation around an XRP ETF could unlock significant institutional investment and price growth.
- Price Resilience and Future Predictions: Despite short-term volatility, our analysts project bullish long-term targets, with our forecast reaching No price prediction available for the specified year. in 2025.
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 enters 2025 with strong momentum after its lengthy SEC lawsuit finally concluded. Ripple paid a $125 million fine, providing the regulatory clarity investors needed. This resolution sets a crucial U.S. legal precedent, opening doors for more institutional involvement and product innovation using the digital asset.
New partnerships are accelerating real-world adoption. Ripple now works with over 300 financial institutions across over 40 countries, including major banks. These collaborations focus on using XRP for efficient cross-border payments. The company also aids central banks with CBDC pilots, expanding XRP’s utility beyond a bridge currency.
Strategic network upgrades have enhanced the XRP Ledger’s security and efficiency. Improvements to its AMM and DeFi capabilities support growing transaction volumes, which exceeded $1.3 trillion in Q2 2025. This robust activity and very low fees make XRP competitive with traditional systems like SWIFT.
Following the legal resolution, XRP’s price surged past $3.40. Depending on market conditions, our analysts forecast it could trade between No price prediction available for the specified year. and No price prediction available for the specified year. by 2025’s end. Its future is now tied to continued adoption and the successful execution of its expanded use cases.
XRP’s Price Performance in 2025
XRP has shown steady performance in cur_year], currently trading around $1.87 with some daily fluctuations. Our analysts project potential growth to No price prediction available for the specified year. 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 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 ($0.12) and SHIB($0.0000071) rely on community hype, XRP’s institutional adoption through Ripple’s cross-border payment network anchors its $186.47B 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.
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
The SEC’s lawsuit against Ripple concluded in August 2025. Ripple paid a $125 million penalty for past institutional sales, ending the nearly five-year legal battle. This settlement avoided further litigation and withdrew all appeals, finally resolving the major regulatory overhang that had clouded XRP’s status for years.
This outcome provided crucial regulatory clarity by confirming XRP is not a security in secondary market trades. This clarity is a landmark for the crypto industry, removing a significant barrier to institutional adoption. It also paves the way for new products like spot XRP ETFs.
Following the news, XRP’s price surged over 12%, reflecting renewed investor optimism. The resolution allows Ripple to fully focus on developing XRP’s utility for cross-border payments. This settlement is widely seen as a manageable cost for achieving long-term regulatory certainty and future growth.
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 $0.000028. 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 99.99B 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 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 declined sharply in 2025. Daily payment transactions dropped by about 70%, falling from millions to roughly 740,000. The number of active users and new accounts also fell significantly. This suggests a major reduction in the network’s core usage and overall user engagement.
This drop coincides with large institutional liquidations, reflecting weaker market confidence. However, growth in tokenized real-world assets on the ledger shows some areas are still expanding. For XRP’s price to find support, a rebound in its fundamental utility and adoption will be necessary.
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 $3.84 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 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)
- XRP Ledger’s Strategic Upgrades and Their Implications for Institutional Adoption (AInvest)
- XRP: Surge in Price, Strategic Partnerships, Rising Attention & 2-Year Outlook (European Business Magazine)
- XRP SEC Case: Complete Analysis of Ripple Lawsuit and ETF Approval Timeline 2025 (MEXC)
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