XRP originally emerged as a digital asset supporting the Ripple payment network, designed for fast interbank fund transfers; the project and token developed in the early 2010s.
The broad surge of interest in XRP came with the crypto boom of 2017–2018: speculative demand, listings on major exchanges, and rising market capitalization propelled the token into the top ranks by market cap. Concurrently, Ripple announced partnerships with financial institutions, strengthening the perception of $XRP as a tool for cross-border payments.
However, in December 2020, a complaint was filed against Ripple by the SEC, which seriously affected visibility and liquidity $XRP — many platforms suspended trading, and public interest was divided between support and caution. In 2023, the court issued a partial ruling that distinguished institutional sales from exchange sales, which became an important precedent for the token's status.
In 2025, the legal dispute was concluded — the parties reached a resolution, after which $XRP once again attracted the attention of traders and investors: the removal of legal uncertainty contributed to the restoration of listings and the influx of liquidity. Now $XRP is considered one of the most interesting cases of interaction between regulation, corporate decisions, and market dynamics.
