I still strongly believe Ripple will go back close to its ATH and (hopefully) surpass it... As I'm waiting since 2018... I bought pretty high and keep hoping it goes back there to sell it...
But for this, it has to win against SEC, then many investors will come back and trust it. Which is actually going on the side of Ripple.
Their team is very active and continuing to work with banks and finding partnerships.
There seems to be a lot of things that need to go right for XRP just for your price target of +25% of the current price to come true.
To me, this is not a good trade at all. There is not a lot of upside and if the SEC pursues further charges, then there is really nothing that Ripple Labs can do anymore and the token will crash to close to zero.
Plus their whole ecosystem is just not very accessible whatsoever. 20 XRP minimum to just hold a wallet? Who's bothered to do that as a retail investor?