Ripple’s XRP Rises Above $0.90 as SEC Case Nears Final Resolution

Ripple’s XRP Rises Above $0.90 as SEC Case Nears Final Resolution

Ripple’s native cryptocurrency XRP has broken above the $0.90 resistance level for the first time in 2025, driven by renewed optimism surrounding the company’s nearly five-year legal battle with the U.S. Securities and Exchange Commission (SEC). The case, which has long stood as a regulatory watershed for the cryptocurrency industry, now appears to be entering its final stage — with profound implications for XRP price, exchange listings, and the future of token classification in the United States.

How the SEC vs. Ripple Case Reshaped Crypto Law

The SEC initially filed suit against Ripple Labs in December 2020, alleging that the company had conducted an unregistered securities offering through the sale of XRP tokens. Ripple has vigorously contested the claim, arguing that XRP is not a security but a decentralized digital asset used for cross-border payments.

Throughout the case, Ripple secured several partial legal victories. In 2023, U.S. District Judge Analisa Torres ruled that programmatic sales of XRP on exchanges did not constitute securities offerings, although institutional sales could. The nuanced decision sparked debate across the crypto legal landscape and brought the case to near-legendary status among regulatory watchers.

The Final Phase: Resolution Expected in Q3 2025

Legal filings in June and July 2025 suggest the case is nearing conclusion. Both parties have completed final briefs, and the court has closed submissions for summary judgment. According to legal experts, a final ruling is expected by mid-August — though the decision may still leave room for further appeal.

“The Ripple case is a legal litmus test for how U.S. courts interpret token classifications,” said Jake Chervinsky, Chief Legal Officer at Variant Fund. “The industry is watching closely, because the precedent could affect everything from DeFi tokens to new ICOs.”

Market sentiment has shifted in Ripple’s favor following procedural updates indicating a likely negotiated resolution. According to sources close to the company, a settlement could be announced prior to the final judgment, possibly opening the door for expanded XRP integrations in the U.S. financial system.

XRP Price Momentum: Breaking Technical Resistance

XRP’s breakout above $0.90 marks a technical milestone. The token has spent over 11 months below the $0.80 threshold, consolidating between $0.50 and $0.75 amid macro uncertainty. Recent whale accumulation, rising trading volumes, and cross-exchange arbitrage activity have contributed to the surge.

Technical analysts point to $1.00 as the next major resistance level, followed by historical supply zones around $1.20 and $1.50. The Relative Strength Index (RSI) remains in bullish territory on daily and weekly charts, while on-chain sentiment suggests more upside if legal clarity emerges.

Institutional and Exchange Impacts

A favorable legal outcome could pave the way for XRP’s full reinstatement on major U.S. exchanges such as Coinbase, Kraken, and Robinhood. Several exchanges relisted XRP partially after the 2023 court ruling, but full liquidity remains fragmented.

Additionally, institutional investors are eyeing XRP for broader use cases in tokenized payments and on-chain forex transactions. BlackRock and Fidelity are reportedly exploring infrastructure for liquidity aggregation involving XRP, pending regulatory clearance.

The possibility of an XRP ETF — either futures-based or spot — has also surfaced, though analysts say the SEC’s clarity on XRP’s classification must come first. “An XRP ETF is plausible post-lawsuit, especially if the ruling affirms XRP’s non-security status,” notes ETF analyst James Seyffart.

Cross-Border Payments and RippleNet Expansion

Outside the U.S., Ripple continues to expand its RippleNet and On-Demand Liquidity (ODL) services. In Q2 2025, RippleNet processed over $12 billion in cross-border transactions, with major clients in the Asia-Pacific region, Latin America, and the Middle East.

New partnerships with central banks and fintechs have also emerged. The National Bank of Georgia, Banco de Colombia, and SBI Remit (Japan) all announced new integrations with Ripple’s enterprise blockchain rails, leveraging XRP as a bridge asset for currency conversion.

This operational growth has given XRP a strong real-world narrative beyond speculation. With central bank digital currency (CBDC) interoperability emerging as a theme, Ripple’s position in regulated cross-border infrastructure may become even more prominent.

On-Chain and Whale Activity

Whale wallets holding over 10 million XRP have increased their holdings by 6.7% in the last 30 days, according to data from Santiment. At the same time, exchange reserves have declined — a bullish signal typically associated with accumulation and reduced selling pressure.

Daily active addresses have reached their highest levels since 2022, and the average transaction size has also grown, suggesting increasing institutional use. XRP’s correlation to Bitcoin has dropped below 0.60, indicating more independent price movement — often a sign of asset-specific drivers like regulatory catalysts.

Challenges and Risks Ahead

Despite bullish momentum, risks remain. A court ruling unfavorable to Ripple — especially if it reaffirms XRP as a security — could result in renewed delistings and fines. Even a favorable outcome may not provide the level of legal clarity required for ETF approval or banking integrations in the short term.

Market volatility may also intensify as the final judgment approaches. Traders are warned to expect sharp price swings and liquidations, particularly on leveraged positions across perpetual contracts and derivatives platforms.

Conclusion: The XRP Moment

XRP’s climb above $0.90 is more than just a price milestone — it’s a signal of the market’s renewed faith in Ripple’s legal positioning and XRP’s global utility. As the SEC case approaches its climax, the outcome will likely ripple across the entire crypto industry — pun intended.

Whether through a court ruling or negotiated settlement, the next 30 days could define the future of XRP and clarify U.S. crypto regulation for years to come. Investors, developers, and regulators are all watching closely — and XRP’s trajectory may soon be reshaped by the very legal system that once sought to shut it down.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Always consult a licensed financial advisor before making any investment decisions.