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XRP Price – XRP’s Meteoric Rise Faces Challenges from Whale Sales and Legal Issues
XRP Price – XRP is leading the pack among major cryptocurrencies in 2025 with an impressive 47% gain year-to-date, outpacing even Bitcoin’s 25% rise. On pure price performance, XRP looks like a must-watch crypto asset. However, investors should be cautious as three key concerns may cap XRP’s potential for the rest of the year.
Centralized Supply Poses Ownership Risks
Despite a circulating supply of 59 billion XRP coins, ownership is highly centralized. The top 10 wallets hold 41% of all XRP, and the top 20 wallets control 50%. Around 663 wallets own at least 5 million XRP, suggesting insiders, including Ripple executives, control roughly 3 billion tokens (5% of total supply).
This top-heavy distribution means the XRP market can be highly sensitive to large sales. For example, in July 2025, XRP hit a 52-week high of $3.65 before plummeting after a Ripple co-founder sold 50 million XRP for $175 million. This massive sale caused XRP to drop roughly 15%, reminding investors that whale activity can dramatically impact prices.
The Lingering SEC Legal Battle
Adding to the uncertainty is the ongoing legal dispute with the U.S. Securities and Exchange Commission (SEC). Since December 2020, the SEC has claimed XRP is a security and not a cryptocurrency, suing Ripple for allegedly selling unregistered securities. Nearly five years later, this case remains unresolved, continuing to cloud XRP’s outlook and investor confidence.
XRP Price: Promising But Cautious
XRP’s strong price gains this year have caught many eyes, but its centralized ownership, whale-driven volatility, and the protracted SEC lawsuit are significant hurdles. While these issues haven’t crushed XRP’s price yet, they could keep a lid on gains for the foreseeable future.
