Ripple’s ongoing legal battle with the U.S. Securities and Exchange Commission (SEC) continues to hang over its head, but new developments in Ripple’s business and predictions for XRP’s future price are generating substantial attention.
The company’s recent expansion efforts, notably its collaboration with Chipper Cash to enhance cross-border payments in Africa, are fueling optimism, with some experts projecting the XRP price could hit as high as $5 in the near future.
SEC Lawsuit and XRP Sales to Institutions
As of now, Ripple’s XRP sales to institutional buyers remain in limbo. The SEC lawsuit against Ripple, which has stretched over several years, has been a major hurdle for the company. However, Ripple is making headway toward resolving this issue.
The SEC’s silence after its March 27 meeting sparked speculation about a possible vote to withdraw its Ripple appeal. Source: Uphold via X.
According to reports, the SEC must petition Judge Analisa Torres to lift the injunction blocking Ripple from selling XRP to institutional investors. The latest developments in the case suggest that the dispute could soon be resolved, with both parties appearing to be on the brink of a settlement.
While the SEC’s lawsuit regarding Ripple’s XRP has not yet concluded, the agency’s decision to close enforcement cases against other crypto firms, such as Kraken and ConsenSys, suggests a shift toward a more lenient regulatory stance. This could bode well for Ripple’s prospects, allowing the company to focus on growing its business instead of facing ongoing legal challenges.
Ripple’s Expansion into Africa with Chipper Cash
Despite the ambiguity in the SEC lawsuit, Ripple has been pushing forward in efforts to increase its presence in key markets. In March 2025, Ripple partnered with Chipper Cash, a fintech firm with millions of customers in Africa. The partnership is designed to accelerate and reduce the cost of cross-border payments on the continent through Ripple’s blockchain network and XRP digital currency to enhance transaction speed.
Ripple and Chipper Cash are partnering to enhance Africa’s cross-border payments with crypto-powered solutions. Source: Ripple via X
Ripple’s Managing Director of Middle East and Africa, Reece Merrick, described the importance of the partnership in a press release: “Our partnership with Chipper Cash represents a milestone in expanding Ripple’s business in Africa. Consumers and merchants in the continent increasingly recognize the promise of blockchain technology, and we look forward to introducing our crypto-enabled payments solution to our customers in the region.”
Despite this phenomenal business expansion, the price of XRP still has not entirely valued the expected rewards due to Ripple’s increasing number of customers. The price of XRP is still around $2.23 as of late March 2025, though a bit below earlier levels. Specialists are convinced that Ripple’s growing network and rising use of XRP for African remittances might lead to spectacular price increases over the coming months.
XRP Price Predictions: A Potential Surge to $5
Though the value of XRP has not yet leaped sharply in response to Ripple’s expansion in Africa, projections for the future of the currency are very bullish. Some even project that XRP could rise as high as $5, driven by the growing adoption of Ripple’s technology and rising institutional demand.
XRP’s weekly outlook remains neutral, consolidating within a long-term bullish wave with a potential $5 surge. Source: InvestingScope on TradingView
The Chipper Cash partnership and other strategic partnerships Ripple is in the process of forging will most likely benefit the price of XRP. Specialists predict that as the XRP use case in remittance markets worldwide increases, its price will rise. In fact, some predictions place XRP at $5 thanks to Ripple’s increasing power in the payment industry and the increasing demand for blockchain-based payment systems.
SEC Settlement: A Catalyst for XRP’s Future Growth
The recent SEC-Ripple settlement has also sparked a new hope regarding the XRP future. Ripple’s decision to settle at a $50 million fine (well below the initially proposed $125 million) and not needing to admit any wrongdoing has been regarded as Ripple’s huge victory. The outcome has generated optimistic sentiment around the cryptocurrency, and most investors believe now that the future of XRP is much brighter.
XRP’s 2025 catalysts include the SEC case resolution, strategic reserve inclusion, and surging institutional adoption. Source: DailyAnalysts via X
The XRP value instantly rose on the news of the settlement, rising by over 8%. The market’s reaction is a sign that investors believe in the potential of Ripple, clearing away the legal problems that for so long have held it back from expansion. Now that the shadow of the law has been lifted, Ripple can focus on expanding its business as well as on developing new partnerships, something that might push the value of XRP even further.
XRP’s Future: Price Targets and Market Sentiment
As Ripple continues to expand its global presence, particularly in emerging markets like Africa, the demand for XRP is expected to grow. The company’s focus on cross-border payments and remittances positions XRP as a leading cryptocurrency in the financial sector.
The current XRP price is $2.12, down 2.56% in the last 24 hours at press time. Source: XRP Liquid Index (XRPLX) via Brave New Coin
The near-term price outlook for XRP remains positive with caution since a majority of experts are calling for a potential boost to $3 or higher. Short-term charts suggest that in the event that XRP gets past key areas of resistance of $2.38 and $2.42, it has the potential to initiate a great rally. A few projections are calling for a surge to a high of $3.88 by mid-2025, supported by continuous buoyancy from the growing institutional buy demand and accelerating use cases of Ripple’s tech.
Market watchers are keeping a close eye on Ripple’s partnerships and recent regulatory developments since they are the main drivers of XRP price movements in the coming future. Provided that Ripple continues to maintain institutional sell momentum and its expanding network of partnerships, the $5 price target may not be far off in the future.
Final Thoughts: XRP’s Bright Future Despite Legal Hurdles
Ripple’s passage through the regulatory battle with the SEC has been a difficult and tortuous one, but the company is now through it, so to speak, as far as uncertainty around regulation goes. As Ripple continues to expand its presence in strategic markets and strengthen its relationships, particularly in African remittance corridors, the future for XRP becomes brighter and brighter.
While the cost of XRP has not yet skyrocketed because of these events, there is still a positive atmosphere. With major deals secured and increasing institutional demand, XRP can keep flying high. As the price prediction for XRP keeps on rising, the coming months might determine if Ripple’s token reaches its $5 target.