XRP is trading near the $3 mark, holding up despite the broader crypto market slowdown. In a recent breakdown from CaptainAltcoin’s YouTube channel, our analyst admitted that the latest wave of bullish XRP news almost made him go all in on Ripple’s token – but ultimately, he held back.
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Ripple vs. SEC Case Finally Ends
The biggest turning point came in early August, when the long-running legal battle between Ripple and the U.S. SEC officially ended. Both sides dropped their appeals, making Judge Torres’ 2023 ruling the final word: XRP is not a security when traded on public exchanges.
Ripple did pay a fine, but there are no restrictions on future XRP sales. For the first time in years, Ripple can operate in the U.S. without a legal cloud overhead. As our CaptainAltcoin analyst noted, this was the single biggest obstacle for XRP’s adoption – and now it’s gone.
Congress Pushes Forward With Regulation
The timing also lined up with new movement in Washington. In July, the House passed the CLARITY Act, a bill that clearly separates securities from commodities. Tokens considered sufficiently decentralized – such as XRP – would be treated as digital property, not securities.
While it still needs Senate approval, this legislation could pave the way for more institutions to engage with XRP without legal uncertainty. “It’s not just good for Ripple,” our analyst explained, “it’s good for the entire U.S. crypto market.”
Institutions Are Moving In
Institutional momentum is another reason XRP caught our attention. Several asset managers, including Franklin Templeton, filed proposals for a spot XRP ETF this summer. Bloomberg’s ETF desk expects approvals could arrive as early as October 2025.
Meanwhile, Bank of America has already gone live with Ripple’s On-Demand Liquidity (ODL) system, using XRP to settle real cross-border payments. This isn’t a pilot program or a test run – it’s actual usage of XRP in banking.
Globally, Ripple is also working with more than 20 central banks on CBDC pilots, including in Georgia, Bhutan, Colombia, and Montenegro. If these projects connect over time, XRP could play a key role in linking digital currencies worldwide.
Why We Didn’t Go “All In”
In our CaptainAltcoin video, the analyst explained why he still didn’t push everything into XRP despite this wave of bullish developments. “If there’s one lesson in crypto, it’s that you never bet your whole portfolio on a single altcoin,” he said.
The legal clarity, institutional interest, and bank adoption all strengthen XRP’s case, but diversification and risk management remain essential. Even with everything going right for XRP, smart investors need balance, exits, and liquidity ready for market swings.
From the SEC case ending to the first signs of real banking adoption, XRP looks stronger than it has in years. The hype around ETFs and regulation only adds fuel to the fire. But as CaptainAltcoin explained, going all in is rarely the smartest move – even when a token looks this promising.
Read also: Here’s Why XRP Price Didn’t Explode After the SEC Ended the Ripple Lawsuit
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