With market analysts, institutional players, and even AI models offering optimistic projections, XRP may be on the cusp of a major rally that could see its price surge by over 150%.

Legal Clouds Clear as Ripple and SEC Near Settlement

One of the most influential developments for Ripple XRP news this month is the apparent nearing of a final settlement in the long-standing Ripple lawsuit with the U.S. Securities and Exchange Commission (SEC). Both parties have filed motions to dismiss their outstanding appeals, signaling a de-escalation in the legal battle that has clouded XRP’s status in the U.S. since December 2020.

XRP holds above $2.12 as optimism rises over SEC case resolution, ETF approval, and institutional inflows, with $3.55 in sight. Source: Markri via X

As part of the settlement, Ripple is expected to pay a reduced fine of $50 million—significantly lower than the $125 million originally reserved. Ripple CEO Brad Garlinghouse described the move as “a validation of Ripple’s position,” and noted that the leadership changes at the SEC and White House played a role in moving toward resolution. If finalized, the settlement could establish a framework for clearer crypto regulations across the U.S.

“This case is bigger than Ripple,” said a market commentator. “It’s a precedent-setter that could shape the future of altcoin classification and crypto exchange listings in the United States.”

Whales Accumulate as Market Sentiment Improves

Beyond the legal front, XRP’s bullish trajectory is also supported by growing whale activity and a resurgence of investor confidence. Following President Donald Trump’s announcement to temporarily suspend new tariffs for 90 days, risk-on sentiment returned to the market. XRP’s price responded by rallying nearly 30%, rebounding from support around $1.90 to $2.15.

Ripple (XRP) was trading at around $2.16, up 2.21% in the last 24 hours at press time. Source: XRP Liquid Index (XRPLX) via Brave New Coin

Data from Santiment indicates that whales—wallets holding between 1 million and 100 million XRP—have been quietly increasing their holdings. These large accounts now control over 20% of XRP’s circulating supply, a sign of rising confidence in the Ripple crypto project.

Technical indicators reinforce the bullish setup. The XRP/USD pair holds above the 200-day Exponential Moving Average (EMA) at $1.95, while resistance looms at $2.25, marked by the 50-day and 100-day EMAs. The MACD shows a recovering bullish crossover, while the RSI continues to rise toward the overbought zone—both signaling potential momentum toward $2.75 and even $3.00 in the near term.

ETF Inflows Could Catapult XRP to Double Digits

Fueling long-term optimism is the growing likelihood of XRP exchange-traded funds (ETFs) entering the U.S. market. Finance analyst Zach Rector recently projected an XRP price of $15, based on the market cap multiplier model and ETF inflow forecasts from JPMorgan.

Source: Zach Rector via X

JPMorgan estimates that XRP ETFs could see $4 billion to $8 billion in inflows within the first year. Even with a conservative 200x market cap multiplier, this could inflate XRP’s market capitalization by $800 billion, bringing its value closer to $15 per token. “Even small inflows can lead to disproportionate gains due to limited supply and speculative dynamics,” said Rector.

Ripple CEO Brad Garlinghouse has also hinted that an XRP ETF could launch in the second half of 2025, coinciding with broader institutional demand for compliant crypto assets. The SEC has already acknowledged nine spot XRP ETF applications, and the approval odds on prediction markets like Polymarket currently stand at 78%.

XRP Ledger’s Institutional Potential: Hidden Road Acquisition

Ripple’s recent $1.5 billion acquisition of prime brokerage Hidden Road further underscores its ambition to integrate deeply into traditional finance. Hidden Road handles an annual transaction volume of $3 trillion. Ripple CTO David Schwartz confirmed that a portion of this volume could be processed on the XRP Ledger (XRPL), increasing XRP’s utility in real-world settlement.

Using the quantity theory of money, xAI’s chatbot Grok calculated that if XRPL processed the full $3 trillion annually with XRP as the bridge asset, the XRP price could reach $5.71. While this scenario is speculative and assumes a high velocity of money and token lockups, it still highlights the transformative potential of institutional adoption.

XRP Price Outlook: Is a 150% Rally Realistic?

From a technical perspective, XRP is holding above key support levels and is backed by growing on-chain accumulation and positive macro catalysts. However, short-term risks remain. Open interest in XRP derivatives fell 2.75% to $3.29 billion, and volume dropped 40% in the last 24 hours—hinting at potential profit-taking and market hesitation.

If this is the final leg up, XRP could surpass previous targets, though current Fib levels offer ideal benchmarks. Source: Gun45 on TradingView

Still, if XRP can reclaim $2.25 and maintain its position above moving averages, the next targets at $2.75 and $3.00 come into play. Should an ETF be approved or institutional settlement volumes increase via XRPL, long-term XRP price prediction models suggest targets well above $5.

In summary, Ripple XRP news is becoming increasingly bullish as regulatory clarity, macroeconomic support, and strategic acquisitions converge. While short-term fluctuations are likely, the medium- to long-term setup suggests that XRP could indeed be poised for a breakout—one that may not only reclaim its past highs but possibly exceed them.