After years of legal conflict, Ripple has reached a settlement agreement with the U.S. Securities and Exchange Commission (SEC). The $50 million fine represents a significant reduction from the initial $2 billion demand, with the previous year’s $125 million penalty also included in the overall cost. This long-standing dispute centered around whether XRP sales constituted unregistered securities, stemming back to accusations filed by the SEC in 2020. Ripple maintained that individual transactions were not a violation of security laws, while the court’s interim ruling in 2023 clarified corporate sales contravened securities regulations, though individual transactions remained compliant.