Ripple may be required to pay the full $125 million fine as the SEC delays further decisions, awaiting new leadership.The legal battle between Ripple Labs and the SEC could conclude with the $125 million judgment against Ripple remaining unchanged.Ripple could potentially settle fines by using its XRP holdings, which has fueled speculation about the creation of a U.S. digital asset reserve.The appellate process is underway, with the Second Circuit Court of Appeals reviewing the legal battle between Ripple and the SEC.