Could XRP make you a millionaire?
Could XRP make you a millionaire? 
Cryptocurrency Feb 12, 2025 Share
After years of turmoil driven primarily by the pressure from the legal battle between Ripple Labs and the Securities and Exchange Commission (SEC), things started looking up once XRP gained legal clarity that it was not a security.
Though the ruling didn’t completely prevent the SEC from pursuing an unregistered securities claim, the positive developments started gaining momentum in November 2024 as Donald Trump was re-elected president of the United States and Gary Gensler confirmed he would resign as Chair of the regulatory agency.
The developments fueled significant optimism about XRP’s future and again made investors hopeful that their positions in the token might make them millionaires.
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Is XRP losing steam in 2025?
By February 12, 2025, XRP’s prospects appeared less certain than even one month ago, though the cryptocurrency had already made a millionaire – even if temporary – out of anyone whose position was bigger than $151,000 on November 1.
Indeed, the token retraced 29.29% from its January 16 highs at $3.38 and is, at press time, changing hands at $2.39.
Despite the optimism and hopes. XRP’s actual performance remains lukewarm. For example, it is down 5.12% in the one-week chart and up a mere 0.30% in the last 30 days. Since 2025 started, the token is 12.06% up.
XRP YTD price chart. Source: Finbold
Still, numerous developments appear to hint that XRP has not yet ended its 2025 bull market.
Why XRP is likely headed for an even greater rally in 2025
As Finbold reported in early January, Ripple’s long-standing institutional links may have already yielded positive results for the long-beleaguered token, as Bank of America (NYSE: BAC) had allegedly been using XRP for 100% of its internal transactions and had filed 83 patents tied to blockchain technology.
Furthermore, the cryptocurrency’s historical performance indicates that it may set itself on a path of recovery even before the end of February, as it may trade as high as $2.89 on the final day of the month.
Analysts have also been continuously bullish about the token – despite some assessments first forecasting an initial strong correction – with, for example, Ali Martinez opining in December that XRP might find new highs just below $50 given the recent developments.
The risk that XRP will never soar again
Elsewhere, it is worth pointing out that XRP is still facing challenges from the SEC as the watchdog hasn’t dropped the case, despite many expecting it to happen with Gary Gensler’s departure.
Given the great importance of sentiment and narratives in the cryptocurrency market, even the abandoning of the legal battle could create headwinds for the token as a large part of its cultural significance – and made space – is directly linked to its defiance of what many perceive as an unjust federal government action.
Finally, it is noteworthy that even if XRP rallies to $48 from its press time price of $2.39, a trader would have to invest at least $50,000 to become a millionaire from the token’s rise.
Featured image via Shutterstock
