Expert Says You Need to Hold Your XRP for Next 3 Months. Here’s Why

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Pseudonymous crypto enthusiast UnknowDLT recently outlined what he sees as a critical timeline for XRP in the coming months.

The post ties two major events: the recent conclusion of Ripple’s legal battle with the U.S. Securities and Exchange Commission (SEC) and the upcoming global adoption of ISO 20022 standards for financial messaging.

The lawsuit concluded on August 22, 2025, and ISO 20022 adoption is set for November 22, 2025. UnknownDLT suggested that holding XRP for three months following the lawsuit could prove pivotal. He referenced earlier remarks from another market participant in 2022, who advised investors to hold their XRP for 3 months once the lawsuit ends.

End of the Ripple Case

Ripple and the SEC have now dismissed their appeals, officially closing a case that has been ongoing since 2020. This lawsuit had long been a source of uncertainty for XRP investors, especially in institutional circles.

Now that XRP has achieved this feat, the focus is shifting to its application in real-world scenarios, and the transition to the ISO 20022 standard presents a major opportunity. Ripple’s payment system is ISO 20022 compliant, and while XRP itself is not, it powers Ripple’s system.

The Shift to a New Standard

By November, every financial institution that relies on SWIFT for cross-border transactions will be required to transition fully to ISO 20022. The older MT message format will be discontinued, marking a complete shift in the global financial system to the new framework. The adoption of this new standard could significantly increase XRP’s use as a bridge asset.

With less than 3 months left, all eyes will be on XRP and the global transition to ISO 20022. If the 3-month prediction holds, investors who joined the XRP bandwagon early could receive life-changing profits.

Looking Forward

With the lawsuit behind Ripple, focus has shifted to the global move toward ISO 20022 and its potential influence on XRP. Because Ripple’s payment system is already compatible with the standard, some investors see this as an opportunity for XRP to strengthen its position in the cross-border payments space.

Rather than viewing the coming months as a holding phase, many believe this period could highlight XRP’s utility in ways that were previously overshadowed by regulatory uncertainty.

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