The XRP lawsuit with the SEC ended in August 2025, bringing regulatory clarity after nearly five years of uncertainty. Many investors are asking: how high will XRP go after lawsuit resolution? ThisThe XRP lawsuit with the SEC ended in August 2025, bringing regulatory clarity after nearly five years of uncertainty. Many investors are asking: how high will XRP go after lawsuit resolution? This
Learn/Cryptocurrency Knowledge/Hot Concepts/How High Wi...Experts Say

How High Will XRP Go After Lawsuit? What Experts Say

Author: MEXC
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Jan 14, 2026MEXC
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The XRP lawsuit with the SEC ended in August 2025, bringing regulatory clarity after nearly five years of uncertainty.
Many investors are asking: how high will XRP go after lawsuit resolution?
This article breaks down expert price predictions, key factors that could drive XRP higher, potential risks, and what beginners should know before investing in XRP.

Key Takeaways
  • The XRP lawsuit officially ended in August 2025 when both parties dropped their appeals, bringing regulatory clarity after nearly five years.
  • Expert price predictions range from $3-8 in the next 1-2 years, with some analysts projecting $35-40 by 2035.
  • Ripple's payment network serves over 300 financial institutions, positioning XRP to capture market share in the $685 billion global remittance market.
  • Competition from stablecoins and central bank digital currencies could limit XRP's growth potential.
  • XRP dropped 44% from its July 2025 peak of $3.66, showing the cryptocurrency remains highly volatile despite regulatory wins.
  • For XRP to reach $1,000, its market cap would need to exceed $57 trillion—over half the value of the entire global stock market.

What Happened with the XRP Lawsuit?

In December 2020, the SEC sued Ripple Labs, claiming XRP was an unregistered security.
The case dragged on for years, causing XRP to be delisted from several exchanges.
In July 2023, Judge Analisa Torres ruled that XRP sales on public exchanges were not securities, though some institutional sales violated securities laws.
Both parties appealed different parts of the ruling.
In August 2025, both Ripple and the SEC dropped their appeals, officially ending the case.
Ripple paid a $50 million settlement, down from the SEC's original $125 million demand.
This resolution removed a major legal cloud hanging over XRP, giving investors and institutions much-needed regulatory clarity.
The lawsuit's end could unlock XRP's potential as banks and payment providers can now adopt it without fear of regulatory backlash.


How High Will XRP Go After Lawsuit? Price Predictions

Price forecasts for XRP vary dramatically depending on who you ask.
Geoffrey Kendrick at Standard Chartered Bank predicts XRP could reach $8 by 2026, representing a 321% gain from current levels around $1.90.
A Finder expert panel surveyed in July 2025 estimates XRP will hit $2.80 by end of 2025, rising to $5.25 by 2030.
Google Gemini's AI model suggests a worst-case scenario of $8 by 2035, roughly 4x current prices.
More optimistic forecasts come from Telegaon analysts, who project XRP could reach $35.47 to $40.29 by 2035.
Former Goldman Sachs analyst Dom Kwok made headlines with an aggressive $1,000 price target by 2030, though this would require XRP's market cap to exceed $59 trillion.
Most experts agree that $3-8 represents a realistic range for the next 1-2 years, assuming favorable market conditions and continued adoption.



What Could Drive XRP Higher After Lawsuit?

Several tailwinds could push XRP's price significantly higher over the next few years.
Ripple's payment network already serves over 300 financial institutions worldwide, providing real-world utility as a bridge currency for cross-border transactions.
The global remittance market processes $685 billion annually, with average fees around 6% – far above the UN's 3% target.
XRP's near-instant settlement and minimal transaction costs position it to capture meaningful market share in this space.
Ripple CEO Brad Garlinghouse estimates XRP could handle 14% of SWIFT's payment volume within five years.
Potential XRP ETF approvals could unlock substantial institutional investment, similar to Bitcoin's 90% price surge after spot ETF approval.
The current Trump administration's pro-crypto policies and appointment of crypto-friendly SEC leadership create a favorable regulatory environment.
Enhanced liquidity on the XRP Ledger through its automated market maker functionality could reduce volatility and attract more users.


What Could Hold XRP Back After the Lawsuit?

Not everyone shares the bullish outlook for XRP after the lawsuit.
Competition from stablecoins poses a significant threat, including Ripple's own RLUSD stablecoin which reached over $1 billion in market capitalization.
Financial institutions might prefer stable, dollar-pegged assets over volatile cryptocurrencies for cross-border payments.
Central bank digital currencies are emerging as government-backed alternatives that could reduce demand for bridge currencies like XRP.
The SWIFT network continues upgrading its infrastructure with faster settlement times, potentially narrowing XRP's competitive advantage.
Market volatility remains a concern – XRP dropped 44% from its July 2025 peak of $3.66 to around $2.03, showing how quickly gains can evaporate.
For XRP to reach extreme price targets like $1,000, its market cap would reach $57 trillion—over half the total value of the global stock market—which seems mathematically unlikely.
Even reaching $100 would require a market cap larger than most Fortune 500 companies.



Frequently Asked Questions

Is XRP a security?
According to the July 2023 court ruling, XRP is not a security when sold on public exchanges, though institutional sales were deemed securities transactions.


Will XRP be relisted on major exchanges?
Some exchanges may relist XRP now that regulatory uncertainty has cleared, though decisions vary by platform and jurisdiction.


Can XRP reach $100?
While mathematically possible, it would require massive institutional adoption and a market cap exceeding most major companies, making it unlikely in the near term.


What is XRP used for?
XRP serves as a bridge currency for fast, low-cost cross-border payments through Ripple's payment network connecting financial institutions globally.


Is XRP better than Bitcoin?
They serve different purposes – Bitcoin functions as digital gold and a store of value, while XRP focuses on payment processing and transaction speed.


Conclusion

How high will XRP go after lawsuit resolution remains uncertain, but most experts predict $3-8 over the next 1-2 years.
Regulatory clarity removes a major obstacle, potentially attracting institutional investors and enabling broader adoption.
However, competition from stablecoins and volatile market conditions present real risks.
If you're interested in trading XRP, platforms like MEXC offer secure access to cryptocurrency markets.
Remember to conduct your own research and only invest what you can afford to lose.
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