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Ripple’s long legal battle with the US Securities and Exchange Commission is finally over — and one major financial firm says that resolution, combined with a battered token price, may be setting up a rare entry point for XRP investors.
Regulatory Wins Fuel Fresh Optimism
The Motley Fool, a US-based financial advisory firm, says XRP could be worth buying before 2027, pointing to two developments it believes most investors are overlooking.
The firm’s report comes as XRP trades around $1.41, down 20% so far this year and more than 60% from its peak of $3.60 reached last summer.
Ripple’s case with the SEC — which started in December 2020 — was settled in May 2025. A court dismissed the remaining appeals in August 2025.
That outcome cleared a cloud that had followed the token for years, making it a far less risky proposition for large financial institutions that had previously stayed on the sidelines.
New legislation is also taking shape. The GENIUS Act was signed into law last year. The Digital Asset Market Clarity Act cleared the House in July 2025 and is still working its way through the Senate.
Together, reports say these laws are beginning to lay out clearer rules for how digital assets are treated in the US.
A Broader Bet Than Cross-Border Payments
For years, Ripple’s main pitch to banks was straightforward: use XRP to move money across borders faster and cheaper than traditional networks like SWIFT, which has processed global transactions since 1973.
That argument gained some traction but never broke through at scale. Banks, by nature, are slow to abandon systems they already trust.
So Ripple changed course. Rather than staking everything on replacing one system, the company began building out a wider network of projects and partners.
A key move came in June 2025 with the launch of XAO DAO, a community-run initiative designed to fund development within the XRP ecosystem.
Reports indicate Ripple is also positioning its technology to support anti-fraud tools and to help move traditional financial products — like exchange-traded funds — onto blockchain networks.
According to the Motley Fool, this wider approach could be exactly what large institutions need to feel comfortable getting involved.
Price Drop Seen As A Window
Institutional interest in XRP is growing. Data shows XRP-linked exchange-traded funds are on pace for record inflows in April 2026, pulling in $65 million so far this month alone.
Featured image from Meta, chart from TradingView
