from looking at this graph there is a possibility that the xrp will go to 3 $ let alone a centralized xrp system with the government. if xrp wins in court there is a possibility that xrp will fly even higher in achieving its new ATH. let's follow this XRP development friend
It can finish the task and new all time high is not impossible task in the altcoin season and the bull market. I believe XRP will finish the task in this year. Long term, I don't know and I don't invest in XRP and hodl it for years.
I believe XRP can surpass its current ATH as long as SEC does not meddle with its current price surge. In all honesty, I don't like XRP that much but what it brings in the table is the one lacking on other major cryptocurrencies. The almost instant transaction and lower fees that the major cryptocurrency failed to establish and the source of frustration to most of us. From that, it saves the user from frustration and that alone can make this "centralized" crypto be used more than the more popular one.
SEC can step in anytime but SEC won't be able to kill XRP. They and their actions only help FUDs to be spread out and dump the price. If Tether USD can survive, Ripple will do survive. They are centralized and have shady minting actions. In worst news, price will be dumped to the hell but it will recover together with time. It will take months of hodling to get a recovery.
I personally don't put Ripple in my long term portfolio.