Is XRP a Good Investment in 2025?

In the last seven days, XRP has experienced a surge of 23.6%. At one point yesterday, it hit a peak of $3.65.

Pro-XRP lawyer John Deaton and crypto veterans like Michael Arrington have praised the newly gained strength of the token crediting the bullish rally to reduced SEC pressure and growing adoption.

Read on for more details.

XRP’s Massive Bullish Rally

At the beginning of this month, the price of XRP was at $2.17. In the first eight days of the month, the price majorly stayed within the range of $2.35 and $2.14. On July 9, with a single day growth of 3.94%, the XRP market closed above the range. Since then, it has jumped by approximately 48.54% to $3.43.

Importantly, as mentioned above, at one point yesterday, the market even touched a peak of $3.65.

In the last three months, XRP has reported a rise of 64.8%, and, in the last one month, a surge of 59.1%.

This indicates strong bullish momentum.

The Beginning of the XRP Era

Attorney John Deaton stated that the rally was long overdue, highlighting that XRP was surpassed for nearly four years due to the SEC lawsuit against Ripple.

The SEC sued Ripple in December 2020, alleging XRP was an unregistered security. In July 2023, a judge ruled that programmatic sales of XRP were not securities, a partial win for Ripple, but institutional sales were. In March 2025, Ripple settled the lawsuit, agreeing to a $50 million fine. Both parties have dropped their appeals, with the case effectively winding down as of July 2025, awaiting final procedural approvals.

Originally, it was the political shift in the US that helped Ripple to reach a settlement with the SEC.

Shortly after the victory of Donald Trump against Kamala Harris in the US presidential election, the then SEC chair, Gary Gensler, who was known for his tough stance against Ripple, stepped down from his position.

Since the inauguration of Trump, he has implemented several pro-crypto policies, including the appointment of pro-crypto official Paul S Atkins as the successor of Gensler.

In the month of the US election (November, 2024) alone, XRP recorded an impressive monthly return of 281.7%.

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Legal Clarity Boosted XRP

Until recently, there was no clarity on how Ripple would reach a settlement with the SEC.

The SEC vs. Ripple lawsuit saw final confusion regarding the $125 million penalty and the permanent injunction against Ripple. A judge initially upheld these, rejecting a joint SEC-Ripple request to reduce the fine to $50 million and dissolve the injunction.

However, in March 2025, Ripple announced a settlement, agreeing to pay a $50 million fine. Both parties then dropped their appeals, effectively resolving the prolonged legal battle by July 2025.

In Q1, the XRP market recorded a quarterly return of +0.45%. In Q2, it increased to 7.12%. So far this quarter, it has surged by 54.6%.

How XRP Investors React?

John Deaton stated that the rally was a relief for long-term holders.

A crypto analyst, identified as CrediBULL, claimed that an investment of $10,000 he made in 2019 in XRP has swelled to $196,000 due to the latest bull run.

On the flip side, many, including Dave Portney, the founder of Barstool Sports, expressed their regret for selling XRP too early.