XRP Surges to Record $3.65 After SEC Deal, ETF Flows Seen Fueling Push Toward $10
XRP reached a record high of $3.65 in July 2025 after a Ripple-SEC settlement and ETF inflows. As of September 2026, it trades at $1.52, down 58% from its peak. Analysts cite regulatory clarity and ETF demand as potential catalysts for a push toward $10, comparing XRP's cycle to Bitcoin's.
How this was made
The 30-second read
Why it matters
The settlement removes a major risk factor, while the launch of multiple XRP ETFs has attracted $1.7 bn in inflows, setting the stage for possible price recovery.
Market read
Regulatory clearance and ETF inflows create a bullish backdrop for XRP, though price remains below its 2025 peak.
What to watch
Potential future regulatory actions in other jurisdictions could still hinder XRP adoption.
Background
Ripple settled its long‑running SEC lawsuit, clearing legal uncertainty for XRP and enabling spot ETF products.
Ticker impact
The article discusses the impact of Ripple's SEC settlement and subsequent ETF inflows on XRP price and market sentiment.
potential upward pressure as institutional demand grows
Legal resolution removes regulatory risk; spot ETFs have attracted billions, suggesting future price appreciation.
Market effects
Spot crypto ETFs may boost broader digital asset adoption.
U.S. regulatory clarity could encourage domestic institutional crypto exposure.
ETF-driven demand may influence crypto price dynamics worldwide.
Counterpoint
ETF inflows may be insufficient to overcome broader crypto market weakness, limiting XRP upside.
Key entities
- companyRipple
Blockchain payments firm whose native token XRP benefited from the SEC settlement.
- regulatorSEC
U.S. Securities and Exchange Commission that settled the lawsuit with Ripple.

