The XRP price surged above $3 in early 2025, breaking a multi-year resistance and reigniting interest across the digital asset space.

The GENIUS Act is advancing in the US Senate and could establish clearer rules for stablecoins and blockchain-based assets.

The price of XRP has surged in recent months, breaking a multi-year resistance at $3 and reigniting interest in the digital asset.

Currently trading at $2.35, a 5-fold rally would push it to $11.75. As several ecosystem developments are gaining traction, four key factors could massively influence the price of XRP before the year ends.

Regulatory Clarity From GENIUS Act and RLUSD Growth

The GENIUS Act is progressing in the US Senate and could set clearer guidelines for stablecoins and blockchain-based assets.

This legislation is pivotal for platforms like Ripple, which is expanding its stablecoin offering, RLUSD, valued at $312 million. If the Act passes and allocates a small portion of USDT’s market cap to RLUSD, it could experience rapid growth.

At present, USDT trades at $150 billion. If RLUSD captures just 1% of this value, it would zoom to $1.5 billion. This growth represents a 5x increase in RLUSD’s size within a short time frame.

If XRP follows this growth trajectory, it could reach $11.75 before the year concludes. A parallel price expansion remains plausible due to Ripple’s direct integration with its stablecoin framework.

While the stablecoin market is highly competitive, RLUSD’s association with Ripple enhances its utility and trust. However, it must overcome market saturation and quickly demonstrate its relevance, especially in cross-border payments.

The final approval of the GENIUS Act would provide essential legal backing that supports broader adoption, ultimately impacting the price of XRP.

Resolution of Ripple vs. SEC Case and Potential XRP ETF Approval

After favorable developments earlier in the year, Ripple’s legal battle with the SEC moved closer to resolution.

Between Q4 2024 and January 2025, the price of XRP surged 580% from $0.50 to $3.40. If a similar price rally follows the lawsuit’s conclusion, XRP could hit $15.64.

A finalized settlement could also enable the SEC to approve a spot XRP ETF. According to JPMorgan, ETF inflows could reach $8 billion within 12 months of approval.

Such inflows would increase demand, pushing the price of XRP well above the $11 mark. However, over 70 altcoin ETF applications await SEC review, which could dilute the capital inflows.

If multiple ETFs are approved simultaneously, the allocated funds might spread thin. This scenario could reduce the capital explicitly earmarked for an XRP ETF.

Ripple Expansion Could Drive Price Higher

Throughout 2025, Ripple has continued strengthening its presence in blockchain payments through key acquisitions and product expansion.

This year, Ripple completed the $1.25 billion acquisition of Hidden Road, a broker handling $3 trillion in transactions yearly. This move expands Ripple’s institutional footprint and facilitates greater capital flows through its payment systems.

Moreover, Ripple is reportedly in talks to acquire Circle, the issuer of USDC, aiming to broaden its stablecoin offerings and integrate them into its broader financial technology suite.

These actions may increase institutional interest in Ripple’s payment solutions, such as On-Demand Liquidity and RippleNet. Greater adoption of these tools supports the XRP Ledger’s utility, directly impacting the price of XRP.

Should the Circle acquisition succeed, the price of XRP could rise to between $5 and $12 in 2025. However, Ripple’s current token release model from its 52 billion XRP escrow remains challenging.

Each month, Ripple releases one billion tokens, which could increase supply and weigh on the price of XRP. This dynamic raises questions about long-term price stability and the market impact of these releases.

XRP Price Outlook For The Remaining Months Of 2025

As Bitcoin approaches its all-time high, it could signal the start of a broader altcoin market rally. During previous cycles, the price of XRP has outperformed many top assets during late-stage bull runs.

Historical patterns suggest that a 5x move in XRP remains possible. Technically, the price action shows a bull flag pattern, which usually indicates a continuation in momentum.

If this pattern breaks to the upside, the price of XRP could gain 500%, pushing it close to $15. This aligns with macro events such as ETF approvals and growing utility in payment systems.

While market risks exist, legal clarity, institutional use, and new product growth strengthen the 2025 outlook. The price of XRP is positioned to benefit from these converging factors if positive momentum continues.

The coming months will determine how effectively these developments translate into price movement.