XRP News Today: Institutions Bet Big on XRP as SEC Cloud Lifts

XRP, the native token of Ripple's XRP Ledger, has emerged as a focal point for bullish sentiment in 2025, driven by a combination of legal clarity, institutional adoption, and macroeconomic tailwinds. The resolution of the long-standing U.S. Securities and Exchange Commission (SEC) lawsuit in August 2025, which dismissed appeals and affirmed that XRP programmatic sales on public exchanges are not securities, has removed a key overhang for the token. This development has spurred renewed interest from institutional investors and paved the way for potential spot XRP exchange-traded fund (ETF) approvals in late 2025. Analysts, including Standard Chartered's Geoff Kendrick, project XRP could reach $12.50 by 2028, while a Finder expert panel forecasts an average price of $5.25 by 2030, contingent on adoption and liquidity improvements.

The token's utility in cross-border payments further strengthens its case. Ripple's XRP Ledger facilitates low-cost, high-speed settlements, enabling institutions to bypass traditional SWIFT corridors in high-fee markets. For instance, SBI Remit in Japan and Onafriq in Africa leverage XRP for real-time remittances, with Ripple's RLUSD stablecoin-launched in 2025-offering a regulated dollar-denominated alternative to enhance institutional onboarding. Despite competition from stablecoins and central bank digital currencies (CBDCs), XRP's role as a liquidity bridge in underbanked corridors remains a differentiator.

Market dynamics also favor XRP's trajectory. The token has surged 64.8% over three months, reaching $3.65 in early October 2025, driven by pro-crypto policies under the Trump administration and the appointment of SEC chair Paul Atkins, a crypto advocate. Daily trading volumes frequently exceed $2 billion, with liquidity metrics like 1% market depth improving significantly in 2025. These trends suggest growing institutional participation, supported by Ripple's global network of 90+ markets and 55+ currencies.

However, risks persist. Stablecoins and CBDCs could erode XRP's market share in low-volatility corridors, and technical challenges in scaling the XRP Ledger's automated market maker (AMM) remain unresolved. Additionally, while spot XRP ETFs are anticipated to unlock new demand, their approval is not guaranteed.

Investor sentiment is split between optimism and caution. Proponents highlight XRP's post-litigation momentum, regulatory alignment, and Ripple's expanding use cases. Skeptics warn of potential volatility and competition from privacy-focused zero-knowledge proof (ZKP) projects, though these remain tangential to XRP's core value proposition.

In conclusion, XRP's five-year outlook hinges on its ability to solidify utility in high-cost corridors, secure ETF approvals, and maintain liquidity. With Ripple's infrastructure maturing and regulatory headwinds receding, the token appears well-positioned to capitalize on the next phase of institutional crypto adoption, provided it continues to differentiate itself through speed, cost efficiency, and compliance-ready solutions.