XRP experienced an 11% decline in 2025, closing at $1.85 on December 27, despite a legal settlement with the SEC and the launch of XRP ETFs. The drop means a $1,000 investment at the start of the year is now valued at approximately $890. Market sentiment remained bearish, influenced by volatility and scheduled escrow releases. Despite efforts to boost institutional adoption and expand product offerings, XRP struggled to maintain upward momentum. The fear and greed index reflected ongoing market apprehension. Investors are advised to monitor altcoins with robust on-chain activity and clear regulatory frameworks for potential opportunities.