XRP’s rollercoaster year ended with a surprising legal win: the SEC ruled it wasn’t an unregistered security for retail investors, leading to relistings, spot ETF approvals, and a seven-year high at $3.65. But momentum stalled as rising interest rates, regulatory uncertainty around the CLARITY Act, and the rise of stablecoins eroded investor enthusiasm. While Ripple’s banking license approval and cross-border pilot programs in Asia hint at future potential, XRP now faces headwinds that make it a risky bet — not the top crypto play right now, especially in a still-chilly market.
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