Three things that make XRP great, and three things that don’t

Ripple’s token XRP is not without its highs and lows. In December 2020 the SEC brought a suit against the fintech. The asset experienced significant problems. In 2025 the lawsuit settled, and XRP rose to a high of all time. Let’s take a look at three things that make XRP great and then 3 that don’t.

The 3 pros and 3 cons of investing in XRP

Let’s first look at the things that make XRP so great. As a result of the SEC vs. Ripple settlement, XRP has gained a lot more regulatory clarity. The US Court ruled retail purchases of XRP do not fall under the securities laws. Institutional purchases, however, are. Regulatory clarity is the most important thing to consider before you invest in crypto.

ETFs are another great feature of XRP. Institutions and investors can have exposure to crypto without owning any of the assets. Institutional money has been poured into XRP by ETFs, and this trend is likely to continue in the future.

Ripple’s blockchain technology is the third thing that makes XRP so great. Ripple’s XRP LedgerXRPLThe adoption of ) in the last couple years has grown significantly. Some nations and banks have adopted XRPL as a blockchain technology. This adoption is a testimony to the robustness of XRPL.

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XRP may be extremely popular but there are a few factors you need to consider before making an investment. XRP is viewed by some as being more centralized than other cryptocurrencies. You may have to deal with centralization if your project is more decentralized.

Second, while the XRP Ledger is a popular platform, its use cases are still limited compared to those of Ethereum (ETH), and Solana. The ETH network and SOL dominates the sector of decentralized applications and has also witnessed the launch several other cryptocurrencies including memecoins.