Anticipated shift for XRP: Investors look forward to potential pivotal declaration in July
Ripple (XRP) is gearing up for an exciting period, with a series of significant events poised to shape its future. The digital asset, known for its role as a bridge asset between different digital monetary systems, is set to benefit from regulatory clarity and the launch of new investment products.
In July 2025, the Securities and Exchange Commission (SEC) is expected to resolve the long-running lawsuit against Ripple by mid-August. The SEC is anticipated to drop its appeal, ending five years of legal uncertainty. This settlement will provide definitive regulatory clarity for XRP, establishing a precedent for digital asset regulation in the United States.
The settlement is set to spur increased institutional adoption, as evidenced by the accumulation of over 310 million XRP tokens during recent market corrections and the filing of over 11 XRP ETF applications by major asset managers. These applications are estimated to have a 95% chance of approval by the end of 2025.
The SEC's approval of the ProShares Ultra XRP ETF in July 2025 marks the first SEC-approved XRP investment product. This regulatory shift toward more crypto-friendly policies under SEC Chair Paul Atkins’s leadership reflects a broader regulatory revolution aimed at fostering blockchain innovation in the U.S. market.
The resolution of the SEC lawsuit and the recent ETF approvals mark a watershed moment for XRP. They are set to catalyze its growth, institutional acceptance, and market confidence in the U.S., significantly influencing its trajectory throughout 2025 and beyond.
If more favorable conditions arise, such as the approval of spot ETFs and a significant increase in institutional adoption, the price of XRP could rise to between $6 and $10 by the end of this year. July is expected to be an exciting month for XRP due to regulatory announcements, the arrival of new financial products, advances in CBDCs, and expansion in the derivatives market.
Rumors about a possible BlackRock-backed ETF have intensified interest. Ripple has also applied for a national bank license with the Office of the Comptroller of the Currency (OCC). If approved, Ripple would become one of the few crypto firms with dual supervision: state (through the NYDFS) and federal.
Ripple's regulated and USD-backed stablecoin, RLUSD, could be issued and custodied through its own banking infrastructure. The Ripple private ledger can process tens of thousands of transactions per second, with energy efficiency 61,000 times greater than other blockchain networks.
Staying attentive to these movements will be crucial for anticipating price changes and evaluating the true potential of XRP as a strategic asset in the evolving digital economy. Brad Garlinghouse, CEO of Ripple, believes that direct access to the Federal Reserve would allow Ripple to operate without intermediary banks, offering institutional liquidity in real-time. If approved for both, Ripple would seek a master account at the Federal Reserve.
Ripple's private version of the XRP Ledger is being explored by countries like Colombia, Montenegro, and Butan for facilitating high-speed, low-cost transfers between central bank digital currencies (CBDCs). The inclusion of XRP in Grayscale's Digital Large Cap fund, which was recently approved as a spot ETF, is a significant milestone.
In summary, the combination of the SEC lawsuit's resolution in mid-August 2025 and the recent ETF approvals marks a watershed moment set to catalyse XRP’s growth, institutional acceptance, and market confidence in the U.S., significantly influencing its trajectory throughout 2025 and beyond.
Given the resolution of the SEC lawsuit against Ripple by mid-August 2025 and the anticipated SEC approval of ETFs like the ProShares Ultra XRP ETF, the landscape of XRP finance is poised for growth. Institutions are increasingly investing in XRP as a strategic asset, with the potential for its price to rise and the increasing regulatory clarity making it an appealing choice for investors.
