XRP News Today: Ripple v. SEC Case Expected to Clear Path for XRP Adoption by Banks

Crypto researcher SMQKE has highlighted a significant point regarding the Ripple v. SEC case and its implications for the adoption of XRP. According to SMQKE, once the case reaches a final settlement, it will provide a clear seal of approval for central banks and financial institutions to begin utilizing XRP through the XRP Ledger. This resolution is expected to offer the necessary regulatory clarity for banks to proceed confidently with XRP integration, as documented by SMQKE.

The conclusion of the lawsuit between Ripple and the U.S. Securities and Exchange Commission represents a pivotal regulatory milestone. A settlement outcome would not only resolve a long-standing legal uncertainty but also serve as a formal endorsement, allowing central banks and financial institutions to consider XRP for cross-border payments and other financial services through the XRP Ledger. SMQKE’s assertion is presented as a documented position, reinforcing the idea that regulatory clarity will be the key turning point for widespread institutional use. The emphasis is placed on the notion that this outcome is less speculative compared to instances like Tesla’s sudden Bitcoin purchase, suggesting that the XRP use case is fundamentally more aligned with institutional frameworks.

Community reactions reflect confidence in the resolution of the Ripple v. SEC case. Kansas Liberty, a user responding to SMQKE’s post, agreed with the statement and pointed out that the critical question is not whether the settlement will happen but when. They expected this resolution since 2020 and personally set December 31, 2025, as their timeframe for this outcome, expressing patience and confidence in the process. Another user, Max Strange, responded by claiming that the case is effectively already settled, with the SEC and Ripple having reached an agreement. According to Max, the remaining procedural steps involve dismissing the appeals, after which banks could fully proceed with XRP adoption. Max further asserted that XRP has already been clarified as not being a security.

Supporting this conversation is an important development reported. On June 26, 2025, U.S. District Judge Analisa Torres officially denied the joint motion filed by Ripple and the SEC for an indicative ruling. This ruling was confirmed. The motion, filed under ECF No. 987, requested the court’s guidance on whether it would consider dissolving the permanent injunction and reducing Ripple’s financial penalties. Judge Torres declined the motion and ordered that it be terminated. This recent denial indicates that certain aspects of the case still require formal resolution, particularly concerning the appeals process and remaining enforcement actions. However, it does not change the belief in the community that legal decisions have already confirmed XRP is not a security when sold on secondary markets.

SMQKE’s post highlights the growing expectation that the end of the Ripple v. SEC litigation will serve as a green light for central banks and financial institutions to adopt XRP via the XRP Ledger. The resolution of the lawsuit is seen as a crucial step towards regulatory clarity, which is essential for the widespread adoption of XRP in institutional settings. The community's confidence in the outcome reflects a broader belief that the legal framework surrounding XRP will soon be clarified, paving the way for its integration into mainstream financial services.