Ripple vs SEC Settlement Makes XRP the Sole Regulated Crypto in The U.S

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Ripple Labs has nearly closed its long-standing legal battle with the U.S. Securities and Exchange Commission (SEC). As part of the settlement, Ripple will pay a reduced fine of $50 million, while the SEC officially acknowledges that XRP is not a security on public exchanges.

This move positions XRP as the only clearly regulated cryptocurrency in the United States, igniting a wave of enthusiasm across the market.

Ripple vs SEC Settlement After Years of Legal Battle

After years of courtroom drama, the SEC has agreed to settle its lawsuit against Ripple Labs and its top executives, Brad Garlinghouse and Chris Larsen. Initially, Ripple was ordered to pay a fine of $125 million, but under the new deal, $75 million will be returned, and Ripple will only pay $50 million.

The SEC and Ripple will jointly ask the court to terminate the previous injunction, officially bringing an end to their legal dispute and cancelling ongoing appeals.

SEC Clarifies Stance: No Admission of Fault

In its press release, the SEC emphasized that while it is settling, this does not indicate it was wrong in its legal claims. Instead, the move signals a strategic shift in how the SEC approaches crypto regulation.

The agency further clarified that this settlement applies exclusively to Ripple and will not impact other crypto-related enforcement actions.

Regulatory Shift Under New US Administration

According to Italian crypto expert Fabio Zuccara, the Biden administration’s stance on crypto has evolved—shifting from “destructive” to “constructive.” He also highlighted that multiple crypto lawsuits have been dropped recently, indicating a more balanced regulatory direction.

XRP Becomes the Only Regulated Crypto In the United States

In a landmark development for the cryptocurrency sector, Ripple Labs has reached a settlement with the U.S. Securities and Exchange Commission (SEC), concluding a legal battle that began in December 2020. This resolution… pic.twitter.com/FezkSPLaXA

— Fabio Zuccara (@ZuccaraFabio) May 9, 2025

XRP Price and Trading Volume Soar

The news has caused a major surge in XRP trading activity. The daily trading volume spiked from $1.2 billion to $4.2 billion, and the price climbed rapidly:

  • May 1: $2.19
  • May 8: $2.32 (9.5% daily jump)
  • May 10: $2.37 (2.4% 24-hour surge)

In total, XRP has gained nearly 11.92% since May 8, and is up 7.6% over the last seven days.

What’s Next for XRP and Ripple?

Zuccara states that XRP now holds a unique advantage as the only crypto with legal clarity in the U.S.—a factor that may boost institutional investment and corporate adoption.

With the lawsuit behind them, Ripple is expected to resume global expansion, focusing on cross-border payments and liquidity solutions using XRP.

Earlier reports suggested the legal fight had distracted Ripple from its core business operations, but the company can now refocus on innovation and growth.

Institutional Interest in XRP Grows

Ripple’s legal clarity is already paying off. Recently, CFTC-regulated XRP futures products were launched in the U.S., signaling increased institutional confidence in the digital asset.

Conclusion

The Ripple-SEC settlement marks a historic turning point in U.S. crypto regulation. With XRP now legally recognized and regulated, it opens a new path for other crypto firms seeking similar clarity.As regulatory uncertainty fades, Ripple is poised for global growth, and XRP may emerge as the go-to digital asset for institutions and enterprises alike.

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