XRP 's ( XRP 4.13% ) price set a record high of $3.65 on July 17, 2025. That marked a gain of more than 480% over the previous 12 months. But today, it trades at about $2.

XRP initially rallied as it overcame some of its biggest regulatory hurdles, but a lack of clear near-term catalysts dampened that initial enthusiasm. So could this volatile token bounce back and set fresh highs over the next three years?

What regulatory challenges did XRP overcome?

XRP was created by the founders of Ripple Labs, a fintech company that specialized in blockchain-based payments, in 2012. Those founders pre-minted its entire supply of 100 billion tokens on the XRP Ledger prior to its debut, so it can't be actively mined or staked like other cryptocurrencies.

Ripple initially held 80 billion of

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