According to Forbes, XRP’s next five years will hinge on whether it can turn legal clarity into real payment use and steady liquidity.
The token is trading at $3, up 4% in the last seven days. It has a market cap of about $176 billion. That puts XRP back among the top three crypto assets by capitalization.
Regulatory Clarity Gives XRP A Running Start
In July 2023 a US court found that programmatic sales of XRP on public exchanges were not securities, while some institutional sales remained in question.
The matter moved again in August 2025 when both the SEC and Ripple dismissed appeals, preserving that split ruling.
That step removed a long-standing legal overhang that had discouraged many institutional players from moving forward in
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