XRP Price Prediction: XRP Eyes $5 Rally Amid Growing Analyst Focus on Ripple vs. SEC Lawsuit Impact

This bullish outlook comes as the long-standing XRP lawsuit with the SEC nears its final chapter, coupled with a notable accumulation of tokens by whales and rising investor confidence in the Ripple crypto ecosystem.

According to Santiment data, large XRP holders — wallets containing between 10 million and 100 million tokens — collectively acquired 200 million XRP over the past week. This surge in accumulation signals that institutional players may be anticipating a breakout. Adding to this optimism, a recent survey revealed that 23% of U.S. crypto investors now hold XRP, positioning it as one of the most widely recognized altcoins in the country.

The XRP price was holding the $2.20 support at press time. Source: Source: XRP Liquid Index (XRPLX) via Brave New Coin

“Despite the legal hurdles, XRP remains a top choice among U.S. investors,” the National Cryptocurrency Association noted. XRP now ranks as the sixth most popular cryptocurrency in the U.S., with 67% awareness among traders.

From a technical perspective, XRP’s structure on both daily and hourly charts indicates that the asset is coiling for a breakout. Currently trading around $2.22, the token has reclaimed key moving averages, including the 20-day, 50-day, and 100-day SMAs, which analysts interpret as signs that bullish momentum is building.

XRP may be entering a breakout cycle, with a $3.87 target in sight as it nears price discovery. Source: @VipRoseTr via X

Prominent analyst VipRoseTr noted that XRP is approaching the end of a descending trendline, with higher highs suggesting that a breakout to $3.87 could be imminent. “This is the beginning of a long-anticipated cycle,” she said, forecasting a potential doubling in XRP’s market cap if resistance at $2.58 is broken convincingly.

Market behavior on shorter timeframes reinforces this view. XRP/USD is forming a symmetrical wedge between $2.17 and $2.25 — a compression pattern that typically precedes explosive price movements. Should XRP break and hold above $2.30, technical targets range from $2.50 to $3.00, with $3.00 serving as a significant psychological and historical resistance zone.

While XRP has shown considerable recovery since late 2024, the shadow of its legal battle with the U.S. Securities and Exchange Commission (SEC) still lingers. Community members like the X account “All Things XRP” emphasize that the damage inflicted by the XRP SEC lawsuit was not limited to price suppression — it was also a matter of lost time and market opportunity.

Following the SEC’s complaint in December 2020, XRP crashed 73% in days, plummeting from $0.65 to $0.17, as U.S. exchanges rushed to delist the token. Unlike Bitcoin or Ethereum, which capitalized on the 2021 bull run, XRP remained constrained under legal uncertainty.

“XRP didn’t just lose value — it lost five years of innovation and institutional trust,” noted the commentator. The July 2023 court ruling that XRP is not inherently a security sparked a temporary price surge, but lingering appeals and regulatory ambiguity prevented a sustained rally. It wasn’t until SEC Chairman Gary Gensler’s resignation in November 2024 and the final dismissal of the case in March 2025 that XRP began its meaningful rebound.

Despite a muted response following the settlement of the lawsuit, XRP has gradually reclaimed its place in the Ripple market. Analysts cite this gradual but consistent rise as a sign of tentative but increasing faith in Ripple’s long-term prospects, specifically in cross-border finance — an area where Ripple has long pursued partnerships, including with financial giants like Bank of America.

XRP is expected to reach $3 soon, with projections pointing toward a potential surge to $5 and beyond in the coming months. Source: Maxi via X

Davinci Jeremie, a prominent crypto commentator, even went to the extent of speculating XRP might reach up to $24 in 2025. His rationale includes increasing federal-level recognition, with the Trump administration reportedly considering XRP for a potential U.S. crypto reserve initiative.

While this price target is ambitious, many market participants agree that a climb toward $5 is more realistic in the short-to-mid term. “If XRP clears the $3.00 barrier and broader market sentiment remains bullish, we could easily see it test $4.00 or even $5.00,” said one analyst.

With the SEC Ripple lawsuit now concluded and regulatory risk greatly reduced, Ripple XRP news has pivoted toward renewed development and adoption. Ripple Labs is advancing its RLUSD stablecoin integration and exploring new institutional partnerships, both of which could add to XRP’s utility on the Ripple ledger.

Still, the road to full recovery is not without obstacles. Rebuilding trust among retail and institutional investors will take time. But as whale activity rises, technical charts tighten, and regulatory clarity solidifies, XRP appears well-positioned for its next major leg up.

The next few weeks will be crucial. Should XRP break above $2.30 with strong volume, targets of $2.75, $3.00, and even $5.00 are within reach, making May 2025 a potentially pivotal month for this long-resilient digital asset.