XRP News Today: Ripple and SEC End 5-Year Legal Battle with $125M Settlement

Ripple’s long-standing legal battle with the U.S. Securities and Exchange Commission (SEC) was significantly shaped by the actions of a dedicated group of XRP holders, known as the “XRP Army.” Formed in the aftermath of the SEC’s December 2020 lawsuit against Ripple, the community became an essential part of Ripple’s defense strategy. As the case moved through the courts, the XRP Army mobilized over 75,000 members to submit testimonies, petitions, and advocacy campaigns aimed at influencing public perception and legal outcomes [1].

The SEC’s original lawsuit alleged that Ripple violated securities law by conducting an unregistered offering of XRP, a claim Ripple consistently denied. Over the next five years, the XRP Army became a key force in countering the SEC’s narrative, using social media platforms like Twitter and Telegram to organize and amplify Ripple’s legal arguments. Their efforts were instrumental in keeping the case in the public eye and maintaining support for Ripple’s position that XRP was not a security [1].

In 2024, a critical turning point emerged when Judge Analisa Torres ruled that public sales of XRP did not qualify as securities, while institutional sales fell under securities law. This clarification weakened the SEC’s case and bolstered Ripple’s legal standing. The XRP Army leveraged this ruling to further its advocacy, pressuring the SEC to abandon its appeals and framing Ripple as a victim of regulatory overreach [1].

On August 7, 2025, the case reached resolution as both the SEC and Ripple withdrew their appeals. The settlement included a $125 million fine, marking the end of a protracted legal battle that had lasted nearly five years. The XRP Army viewed the outcome as a validation of Ripple’s position and a victory for the broader crypto community. With the case settled, attention has shifted toward XRP’s future, particularly its potential role in cross-border payments and institutional adoption [1].

Ryan Lee, chief analyst at Bitget Research, noted that Ripple’s competitive edge in cross-border transactions, combined with growing regulatory clarity and institutional interest, could push XRP’s price toward $10–$15 in the long term, assuming it captures a larger share of the global remittance market [1]. Ripple and its supporters are now focusing on expanding XRP’s global footprint, leveraging innovations such as the RLUSD stablecoin and strategic partnerships.

The XRP Army has demonstrated that a well-organized community can exert meaningful influence in legal and regulatory matters. Their efforts have not only impacted the Ripple vs. SEC case but also highlighted the emerging role of grassroots crypto advocacy in shaping the future of digital assets [1].

Source: [1] Crypto: How the XRP Army Became Ripple’s Secret Weapon Against the SEC (https://coinmarketcap.com/community/articles/68966fd540cddd0c7867a995/)