XRP failed to meet its bullish 2025 price targets, ending the year with a 2.76% loss. The prolonged SEC vs. Ripple lawsuit, which concluded on August 22, 2025, was a significant factor, causing uncertainty in the market. Additionally, the launch of U.S.-based XRP ETFs was delayed until November due to a government shutdown, further impacting investor sentiment. The pending Digital Asset Market Clarity Act of 2025, still awaiting Senate approval, also contributed to the market's cautious outlook. Analysts now anticipate that XRP may achieve its targets in 2026 as these regulatory hurdles are resolved.