XRP Price Prediction: 2025-2040 Outlook and Key Factors

#XRP

• Technical Outlook: Mixed signals with price above MA but bearish MACD crossover
• Legal Developments: SEC settlement brings clarity but short-term volatility
• Long-Term Value: Network utility and institutional adoption remain key drivers

XRP Price Prediction

XRP Technical Analysis: Key Indicators to Watch

According to BTCC financial analyst Robert, XRP is currently trading at 2.18230000 USDT, slightly above its 20-day moving average (MA) of 2.1718. The MACD indicator shows a bearish crossover with values at 0.0343 (MACD line), 0.0425 (signal line), and -0.0082 (histogram). Bollinger Bands suggest a potential range-bound movement, with the upper band at 2.3144, middle band at 2.1718, and lower band at 2.0293. Robert notes that while the price is holding above the 20-day MA, the MACD's bearish signal could indicate short-term downside pressure.

XRP Market Sentiment: Legal Developments and Price Impact

BTCC financial analyst Robert highlights mixed sentiment in XRP markets. Recent news includes Ripple's $102.6 million penalty settlement with the SEC and the withdrawal of appeals, which could bring long-term regulatory clarity. However, short-term price action shows a 3-5% dip following legal setbacks and whale transfers. Robert observes that positive social sentiment contrasts with these price declines, suggesting potential accumulation opportunities if the $2 support holds.

Factors Influencing XRP's Price

XRP Nears Critical $2 Support as Bearish Signals Intensify

XRP's price action reveals mounting bearish pressure as the cryptocurrency hovers precariously above the $2 threshold. The asset has bled steadily over 48 hours, failing to sustain rebounds after breaching short-term support levels. Hourly charts show XRP trapped below all key EMAs—a textbook distribution pattern where sellers dominate price discovery.

Repeated rejection between $2.13-$2.15 confirms deteriorating bullish conviction. Declining volume underscores buyer exhaustion, while an RSI reading of 36 fails to catalyze relief rallies—an ominous divergence suggesting demand evaporation. The absence of meaningful support at current levels raises the stakes for this psychological battleground.

A decisive close below $2 risks triggering cascading liquidations and panic selling. Such a breakdown WOULD invalidate XRP's recent bullish structure, dealing a severe blow to sentiment. Market participants now face a binary outcome: either buyers defend this line-in-the-sand or bears force a capitulation event with unpredictable downside targets.

XRP Dips 3% as SEC Settlement Hits Roadblock, Yet Social Sentiment Turns Positive

Ripple's proposed $50 million settlement with the SEC has been rejected by a federal judge, leaving the original $125 million penalty intact. The court found neither party demonstrated exceptional circumstances justifying a modified judgment. XRP's price reacted with a 3% drop to $2.09, though the decline remains muted by crypto volatility standards.

Despite the bearish price action, social media sentiment has unexpectedly surged. Analytics firm Santiment reports a notable rise in bullish chatter among retail traders, suggesting a disconnect between short-term trading behavior and long-term community confidence. The market appears to be weighing regulatory uncertainty against Ripple's underlying fundamentals.

Ripple and SEC Legal Saga Nears Conclusion as Both Parties Drop Appeals

Ripple CEO Brad Garlinghouse announced via X that the company is dropping its cross-appeal against the SEC, signaling the end of a protracted legal battle. The SEC is expected to follow suit, closing a chapter that began in December 2020 with allegations of unregistered securities offerings through XRP sales.

The decision comes after Judge Analisa Torres denied a joint request for an indicative ruling, which would have expedited a revised settlement. Her July 2023 split decision—finding institutional XRP sales violated securities laws but programmatic sales did not—set a precedent for crypto regulation. Ripple now shifts focus to building the 'Internet of Value.'

Ripple CEO Announces Decision To Withdraw Cross Appeal In SEC Lawsuit

Ripple Labs is taking a significant step toward resolving its protracted legal battle with the U.S. Securities and Exchange Commission by withdrawing its cross appeal regarding the sale of XRP tokens. CEO Brad Garlinghouse announced the MOVE on social media, signaling a potential end to the years-long dispute.

The decision marks a turning point for Ripple as it seeks to shift focus to its Core mission of building the 'Internet of Value.' The legal clash, which centered on whether XRP constituted a security, reached a pivotal moment in 2023 when a judge ruled that public exchange sales were legal but institutional sales violated securities regulations.

Ripple Ends Legal Battle with SEC, Accepts $102.6 Million Penalty

Ripple Labs has dropped its appeal in the long-running legal dispute with the U.S. Securities and Exchange Commission, effectively concluding a landmark case that shaped cryptocurrency regulation. CEO Brad Garlinghouse announced the decision on June 27, 2025, signaling the company's acceptance of a 2023 court ruling that classified XRP sales to institutional investors as securities transactions.

The resolution comes after Judge Torres denied both parties' attempts to modify the injunction and reduce Ripple's penalty on June 26. With Ripple abandoning its cross-appeal and the SEC expected to follow suit, the case concludes with a $102.6 million penalty and permanent restrictions on institutional XRP sales. "We're closing this chapter once and for all," Garlinghouse stated, redirecting focus to Ripple's vision of building the "Internet of Value."

The four-year legal saga established critical precedents for crypto assets while demonstrating regulators' willingness to pursue enforcement actions. Market observers now await the SEC's formal withdrawal of its appeal to finalize the matter.

XRP Ledger Advances with Wormhole Integration and ECB Testing

The XRP Ledger (XRPL) has taken significant strides in network interoperability and institutional adoption. Wormhole's integration as the CORE interoperability platform enables seamless asset transfers between XRPL and other major blockchains, unlocking new possibilities for developers building multichain applications in payments, DeFi, and real-world assets.

European Central Bank's experimentation with XRPL's open-source code for bond settlement signals growing institutional interest. While the Axiology system operates on private infrastructure, this development underscores the ledger's expanding relevance in traditional finance circles.

These advancements follow closely on the heels of Circle's USDC stablecoin integration, creating a trifecta of technical upgrades, institutional validation, and stablecoin support that positions XRPL for broader adoption.

Ripple Faces Legal Setback as Judge Torres Denies Joint Motion in SEC Case

Ripple's legal battle with the U.S. Securities and Exchange Commission (SEC) has taken a turn for the worse. Judge Analisa Torres denied a joint motion from both parties seeking to modify her earlier judgment, which included a $125 million civil penalty against the crypto firm. The motion aimed to reduce the penalty to $50 million and dissolve an injunction, but Torres ruled that neither Ripple nor the SEC demonstrated exceptional circumstances to justify such changes.

The court emphasized that Ripple's violations of securities laws remain unchanged since the original ruling. Judge Torres explicitly stated that even if jurisdiction were restored to her court, she would still reject the request to vacate the injunction or reduce the penalty. This decision leaves Ripple at a critical juncture—weighing whether to appeal or accept the judgment as it stands.

Why Crypto Market Is Falling Today: Ripple, PCE and Lawsuits

The global cryptocurrency market faces downward pressure as of June 27, 2025, with total capitalization dipping 0.16% to $3.39 trillion. Trading volumes contracted more sharply, falling 6.02% to $96.3 billion amid regulatory concerns and macroeconomic headwinds.

XRP remains in focus as ongoing legal battles continue to weigh on investor sentiment. The Personal Consumption Expenditures (PCE) data release has further dampened risk appetite across digital asset markets, with traders adopting cautious positions ahead of key economic indicators.

Ripple’s Compliance Challenge: Legal Uncertainty Clouds XRP Institutional Sales

Ripple faces mounting regulatory pressure as Judge Analisa Torres rejected a proposed $50 million settlement with the SEC, maintaining restrictions on institutional XRP sales. The decision underscores the tension between private settlements and public enforcement of securities laws, leaving Ripple's compliance strategy in limbo.

While retail trading continues unaffected, the injunction creates operational hurdles for Ripple's institutional distribution channels. Legal experts suggest the company is likely restructuring its sales approach with new compliance safeguards, though the path forward remains uncertain after four years of litigation.

XRP Price Drops 4% After Judge Rejects Ripple-SEC Settlement Proposal

XRP fell to $2.10 as US District Judge Analisa Torres blocked a proposed settlement that would have reduced Ripple's $125 million penalty and lifted an injunction on institutional XRP sales. The altcoin is now down 3% weekly and 9% monthly, though it retains a 347% annual gain.

Judge Torres ruled that neither party could override congressional law through private agreement, leaving Ripple bound by the original penalties. Market sentiment appears to view the maintained injunction on institutional sales as particularly damaging to XRP's liquidity.

Ripple maintains the ruling doesn't significantly weaken its position. "The fundamentals haven't changed," a company spokesperson noted, emphasizing ongoing enterprise adoption. The court's decision underscores regulatory uncertainty lingering over crypto assets despite XRP's partial legal victory last year.

XRP Drops 5% Amid $497 Million Whale Transfers Despite Improved Market Sentiment

XRP fell 5.3% to $2.08 despite $497 million in whale activity, including a $439 million transfer by Ripple to unknown wallets. The token failed to reclaim $2.14 resistance as market participants interpreted large movements as potential distribution signals.

Technical analysts highlight a descending channel pattern, with expectations for a decisive breakout or breakdown between July and September. The selling pressure emerged despite broader market relief from reported Middle East ceasefire progress.

XRP Price Predictions: 2025, 2030, 2035, 2040 Forecasts

Based on current technicals and market developments, BTCC's Robert provides this outlook:

Note: Predictions assume successful scaling and regulatory compliance.

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