XRP price forecasts: why they matter
XRP is one of the largest cryptocurrencies by market capitalisation and is used globally for payments. The project is backed by the company Ripple, founded by Chris Larson and Jed McCaleb. XRP's price has long been shaped by regulatory uncertainty – particularly due to a case brought by the US Securities and Exchange Commission (SEC), which classified XRP as an unregistered security. The legal dispute concluded in March 2025, with Ripple agreeing to a reduced penalty of $50 million. This settlement brought greater clarity and could strengthen confidence among banks and payment providers.
Forecasts are especially important because XRP’s price is influenced not only by market sentiment but also by legal and institutional factors. Banks and payment providers are testing Ripple technologies, but ongoing regulatory uncertainty could slow wider adoption.
Technological developments and partnerships also play a role. Ripple is working on CBDC integrations and institutional collaborations that could affect XRP’s price in the long term. Forecasts for Ripple (XRP) through to the end of 2025 and beyond can help investors weigh the potential risks and opportunities between a possible bull run and continued uncertainty.
Disclaimer: The information provided here does not constitute financial advice and is intended solely for analytical and educational purposes. The XRP forecasts are based on standard forecasting methods, historical data and market trends, but they do not guarantee future developments. Past price movements are not a reliable indicator of XRP's (Ripple's) future performance. Please do your own thorough research or consult a professional to better assess the risks of investing in XRP.
Historical volatility of XRP and its effect on the price
XRP, the native cryptocurrency of the Ripple network, is known for its pronounced volatility. Since its launch in 2012, XRP has experienced numerous price swings influenced by both internal and external factors.
A notable example is its all-time high between 2017 and 2018, when the price almost reached $3.40. However, this peak was followed by a sharp decline, highlighting the inherent uncertainty and speculative nature of the crypto market. In 2020, the price rose from a low of about $0.14 to around $0.60 in December. Such fluctuations were often driven by regulatory developments, market sentiment and technological progress.
At the end of February 2025, XRP is priced at approximately $2.59. This reflects recent market movements, including a rise to over $3.00 in January 2025 and a subsequent drop to around $2.40 in February. These shifts underline XRP's ongoing volatility and the need for investors to consider market dynamics when making investment decisions.
SEC lawsuit and financial sector use – past XRP price developments
Since December 2020, the SEC lawsuit against Ripple has significantly influenced XRP’s price. The SEC accused Ripple of offering unregistered securities worth over $1.3 billion through the sale of XRP. The legal uncertainty caused XRP's price to plummet in the month the lawsuit was filed, as many exchanges halted trading.
Despite these challenges, Ripple deepened its partnerships with financial institutions worldwide. More than 100 banks and payment providers, including Santander and Bank of America, now use RippleNet for fast, low-cost transactions. These collaborations have strengthened XRP’s position in the financial sector, positively affecting market acceptance.
At the end of 2024, speculative hopes for a favourable court decision led to a sharp price rise: from around $1.10 in November 2024, XRP nearly doubled to about $2.20 in December following a positive SEC announcement. By the end of February 2025, XRP stood at around $2.59, though the forecast remained dependent on regulatory outcomes and partnerships. The lawsuit was officially withdrawn in March 2025, with Ripple agreeing to a reduced penalty of $50 million. This marked a significant step towards regulatory clarity for XRP, which had a stabilising effect on the price, now at $2.39.
How accurate have past Ripple (XRP) forecasts been?
XRP’s price development has previously been predicted by various analysts, with some forecasts proving accurate and others missing the mark.
Example 1In 2020, the website Coin Price Forecast predicted that XRP could rise to $1.38 in 2021. This forecast was based on recovery after the lawsuit-triggered crash in 2020 and a perceived increase in market acceptance. In reality, XRP peaked at around $1.80 in 2021, meaning the forecast was accurate or even exceeded.
Example 2Analyst Egrag Crypto forecast that XRP could reach $110 in the next bull run. This long-term prediction was based on historical price movements and technical chart patterns. However, as of February 2025, XRP has not reached this level. The ongoing SEC case and appeal had continued to create regulatory uncertainty up to that point, weakening investor confidence. Additionally, high inflation data, political changes following Trump’s election win and volatile market conditions meant the XRP price of $2.59 hadn’t reached the forecast.
Example 3In 2023, analyst Arthur Azizov predicted that XRP would trade between $5.00 and $7.00 in the first half of 2025. His forecast assumed a positive regulatory environment and increasing XRP adoption. But by February 2025, XRP stood at $2.59, below the expected range. Contributing factors may include the SEC’s ongoing appeal since October 2024, which continued to create uncertainty, and weaker-than-expected market adoption. On-chain transactions on the XRP Ledger fell by 65.6% in Q2 2024, indicating reduced usage.
