XRP Adoption Could Surge After SEC Case Ends

XRP adoption may be on the verge of significant growth as the long-running legal battle between Ripple and the U.S. Securities and Exchange Commission (SEC) appears to be nearing its conclusion. The anticipated wrap-up of the lawsuit could remove a major roadblock to mainstream institutional acceptance of the cryptocurrency.

Ripple’s legal struggle with the SEC has spanned nearly four years, but recent moves suggest that the case could be officially settled soon. Ripple has already chosen to drop its cross-appeal, and speculation is mounting that the SEC may also withdraw its own. Many eyes are now on a behind-closed-doors SEC meeting scheduled for July 3, sparking widespread assumptions that it could mark the final chapter of the case.

Although a decisive court ruling in 2023 already confirmed that XRP is not a security, unease has lingered among U.S. financial institutions. Industry experts believe that an undisputed conclusion to the lawsuit could clear the last remaining hurdles, heralding a new era of trust and adoption for XRP. Ripple’s recent decision to accept the original $125 million penalty, without further challenge, underscores its urgency to end this chapter and prioritize forward-looking growth.

Nasdaq contributor Trevor Jennewine highlighted this in a March 2025 analysis, suggesting that a final verdict would instill the confidence institutions need to openly integrate XRP into their operations. He posited that we could see traditional financial giants consider entering the field. There’s even discussion around whether BlackRock might launch an XRP ETF once the regulatory smoke clears—though this remains speculative at this time.

Assuming the SEC soon drops its appeal, XRP could witness a notable increase in momentum, especially within the U.S. market. With regulatory ambiguity fading, barriers to adoption by banks and payment processors may disappear, unlocking stronger real-world use cases.

To understand the potential upside, crypto experts consulted ChatGPT for a projected value one year following complete lawsuit resolution—provided institutional involvement surges. With XRP recently trading at $2.21, the AI-driven forecast suggested a target range of $8 to $15 within twelve months, contingent on strong utility adoption by major financial entities.

ChatGPT emphasized that this potential growth wouldn’t just stem from market enthusiasm. Instead, it would reflect increased demand from genuine utility—as institutions leverage XRP and Ripple’s network for seamless cross-border transactions. Such utility-based demand can create sustainable upward pressure on value, forming the foundation for long-term resilience.

Interestingly, XRP previously surged to nearly $3 during previous crypto market runs in 2017 and 2021—even without legal certainty or institutional involvement. Now, with these elements potentially aligning, the conditions may be optimal for a more substantial and durable uptrend.

Related: Expert Advice: Sell XRP If You’re Confused

In conclusion, while the crypto market is famously unpredictable, Ripple’s progress in closing its legal case with the SEC could herald a new chapter for XRP. Should the final legal clouds lift and adoption accelerate, the cryptocurrency may solidify its position not only as a compliant asset but as a go-to solution for next-generation financial transactions.