Is XRP a Good Investment in 2025?
XRP, one of the earliest cryptocurrencies, was launched in 2012, just three years after Bitcoin’s debut. As a payment and settlement currency for the XRP Ledger blockchain, XRP is also utilized by Ripple, a global payment service provider. On January 15, 2025, XRP reached the long-awaited milestone of $3, highlighting renewed interest and optimism in its potential. While XRP has built a loyal following within the crypto community, the question remains: is XRP a good investment today?
This guide will explore the XRP ecosystem, the regulatory landscape, and how XRP is used in real-world financial transactions. If you were wondering, “Should I buy XRP?” it’s important to take a balanced view, weighing the pros and cons. Let’s find out what lies ahead for this cryptocurrency.
How Has XRP Performed as an Investment?
When XRP launched in August 2012, the tokens were priced at $0.01. By early 2018, XRP reached an all-time high of $3.84. However, the highs wouldn’t last. Following the bidding frenzy, XRP fell, spending much of 2019 and 2020 trading between $0.20 and $0.60.
The return of the crypto bull market in 2021 sent XRP soaring again, although it never reached its previous highs, topping out at just under $2.00 per XRP. The battle to regain $1.00 became a meme within the crypto community during XRP’s downtrends. However, the earliest investors fared well, seeing gains of 1,900% up to 38,300% at the peak.
In 2023, XRP experienced a year of mixed performance, marked by significant volatility and pivotal developments in the regulatory landscape. Ripple’s partial legal victory against the SEC in July boosted investor confidence, leading to a temporary price surge as XRP crossed $0.80 for the first time in over a year. However, broader market challenges and profit-taking caused price corrections later in the year, with XRP stabilizing around $0.60 by December.
In 2024, XRP showcased a strong recovery and renewed investor confidence, driven by significant developments in the crypto market and Ripple’s ongoing global expansion. The token reached a major milestone in November 2024, hitting $1 for the first time in years, reflecting its resilience and adaptability. Over the past 12 months, XRP experienced a price Invalid period specified. of approximately +393.92%, bolstered by Ripple’s continued partnerships and the growing adoption of its payment solutions. In comparison, Bitcoin has experienced a +87.04% increase during the same period, indicating robust performance across major cryptocurrencies.
January 2025 was a changing point for the token as it finally reached the long-awaited price of $3 on the 15th of the month. Since then, XRP has been seeing more ups and fewer downs. It’s currently trading at the high price of $2.78.
XRP Latest Events
In 2024, XRP achieved important milestones and market activity. Below are the key events that marked this year:
- February 1, 2025: XRP’s price dropped by over 33%, falling from a high of $2.92 to a low of $1.95 after President Donald Trump imposed big tariffs on imports from Mexico, Canada, and China.
- January 15, 2025: XRP reached an all-time high of $3.02 thanks to the optimism surrounding the legal battle with SEC.
- November 16, 2024: XRP reached $1 for the first time in years, driven by market recovery and renewed investor confidence. It reached its peak at $1.2186. This rally was attributed to speculation about potential changes in SEC leadership and the anticipation of a more crypto-friendly regulatory environment.
- November 14, 2024: Robinhood Markets expanded its cryptocurrency offerings by adding XRP, among other tokens, for U.S. traders. This inclusion increased the total number of digital assets available on Robinhood to 19, reflecting heightened customer demand for diverse digital assets.
- October 2024: XRP’s ratio to Bitcoin (XRP/BTC) increased by 27%, demonstrating XRP’s growing prominence relative to other major cryptocurrencies.
- September 2024: Ripple revealed that average daily volumes (ADV) of XRP ranged between $600 million and $700 million during Q3, highlighting increased market activity.
- March 2024: Ripple announced a 44% decrease in average transaction costs and a 108% increase in transaction volume during Q1.
XRP Price History Timeline
Similar to other cryptocurrencies, XRP has seen parabolic growth but fell hard from its peaks. However, XRP’s all-time high came in 2018 rather than 2021, as was the case for Bitcoin, Ethereum, and Cardano, other top-ten cryptocurrencies.
- 2014: XRP launched at $0.01. XRP later fell below this price, dipping to 0.006396 in 2017. Pricing remained relatively flat until later in 2017, although traders played the swings too small to see on the chart.2
- 2017: March 2017 marked the beginning of the first big runup for XRP. By May 2017, XRP peaked at $0.45, posting a nearly 4,000% gain in less than three months.3
- 2018: After a brief cooldown from the May runup, XRP went parabolic, reaching an all-time high of $3.84.4
- 2020: Following a sell-off that was as fast and furious as its ascent, XRP bottomed in the 10-cent range.5
- 2021: The crypto bull market of 2021 brought renewed buying pressure, briefly pushing XRP up to $2.00.
- 2023: XRP showed resilience during a challenging bear market. Ripple’s partial legal victory against the SEC in mid-2023 led to a temporary price surge, pushing XRP past $0.80 before stabilizing around $0.60 by year-end.
- 2024: XRP continued its upward momentum, fueled by market recovery and Ripple’s global expansion. In November 2024, XRP reached the $1 mark for the first time in years.
- 2025: XRP surpassed the $3 milestone on January 15. Investors have predicted and awaited this rise for a while now. Currently, it’s trading at $2.78.
XRP Price Forecast
Is Ripple a good investment? CryptoNews analysis gives an XRP price prediction as high as No price prediction available for the specified year. by year-end 2024.
XRP Price Forecast 2025
By the end of 2025, prices for XRP could get more interesting. On the low end of our projection, XRP could reach $2.78. On the high end, XRP could reach its 2021 highs, climbing as far as $2.78. We anticipate an average price of $2.78 by year-end 2025, with prices climbing throughout the year during the expected bull market.
XRP Price Forecast 2030
Longer-term investors may see more impressive gains. XRP’s price might reach $59.22 on the top end for 2030, close to its all-time high in 2018. In the lower range, we see a price prediction of $9.60, with an average price of $25.89 by 2030.
Is XRP a Good Long-Term Investment?
The XRP Ledger (XRPL) operates independently of Ripple Labs; however, Ripple’s significant involvement with XRP is crucial when evaluating an XRP investment. Initially, XRPL allocated 80% of the XRP supply to Ripple, with 55% placed in a locked escrow to promote price stability. This escrow permits the monthly release of up to one billion tokens, representing 1% of the total 100 billion XRP supply.
While Ripple’s escrow releases can increase XRP’s circulating supply, the token’s deflationary mechanism offsets this by burning a small amount of XRP with each transaction. As of November 2024, approximately 12 million XRP have been permanently removed from circulation through this process.
According to Ripple’s Q3 2024 markets report, XRP volumes were elevated, with average daily volumes (ADV) ranging between $600 million and $700 million on top-tier exchanges. The XRP/BTC ratio increased by 27% over the quarter, indicating a significant rise in XRP’s market activity relative to Bitcoin. This surge in trading volume and market engagement underscores XRP’s growing prominence and utility within the cryptocurrency ecosystem.
Strong and Experienced Leadership
XRP’s story began in 2011, when Jed McCaleb, David Schwartz, and Arthur Britto began the development of the XRP Ledger with XRP as the native token. By 2012, the network was live. The project initially shared similar goals to Bitcoin, enabling fast transactions globally.
The original open-source project was named Ripple and was the namesake of Ripple Labs, the company that would arise around and from the XRP Ledger. Ripple was originally named OpenCoin before rebranding in 2013. Jed McCaleb of XRP and Chris Larsen founded the company in 2012.
Ripple CEO Brad Garlinghouse is a driving force behind the Company’s growth and frequently appears on financial broadcasts to educate investors on XRP and Ripple’s network built on XRPL. David Schwartz is the company’s CTO, founder of XRP, and industry icon. Chris Larsen, a Ripple co-founder, still serves on the board of directors.
While XRPL and Ripple are distinct entities, the deep links between them remain, and some of the earliest pioneers of the crypto industry help guide both Ripple and XRP forward.
Expanding Partnerships and Use Cases
Through Ripple, XRP is used as a payment and settlement asset in real-world applications. Fast transaction times and low fees make it possible to transfer money anywhere in the world in seconds. Compared to the legacy SWIFT system, which can take up to five days, XRP-powered transactions are much more efficient. This value proposition isn’t lost on Ripple’s rapidly growing list of partners. Litigation in the US has led to an international focus.
- Central Bank of Colombia: Ripple’s CBDC platform, which is based on the XRP Ledger, has captured the interests of governments. Ripple partnered with Columbia’s central bank in 2023 to explore the use cases of blockchain technology.
- SBI Remit: Since 2017, Japan’s SBI Remit has used XRP as a bridge asset facilitated by Ripple Payments.
- QNB Qatar National Bank: Cross-border payments through RippleNet are fast and inexpensive. QNB began working with Ripple in 2021.
- Travelex Bank: In 2024, Brazil’s Travelex Bank expanded its use of Ripple’s payment solutions, leveraging XRP to optimize cross-border payment systems further and reduce transaction times for businesses and individuals.
Ripple’s reach spans dozens of other financial institutions and service providers worldwide. XRP Ledger can also host other compatible tokens, making the platform well-suited to tokenizing real-world assets.
Energy-Efficient Transaction Validation
Unlike Bitcoin’s proof of work or Ethereum’s proof of stake consensus mechanisms, Ripple uses trusted nodes to validate transactions. This streamlined structure helps the network achieve fast transactions with minimal energy consumption.
XRP’s 100 billion tokens were pre-mined. Unlike Bitcoin, its primary competing cryptocurrency at launch, no additional energy is required for mining new coins. Instead, no new XRP tokens will be issued, with the cap fixed at 100 billion. XRP’s supply is deflationary because fees on the network are burned (removed from circulation).
Regulatory Status
Ripple’s legal battle with the SEC has been a long one, but things are finally starting to settle. Back in 2023, a judge ruled that XRP sales on public exchanges aren’t securities, which was a big win for Ripple. This allowed exchanges to relist XRP which cleared up some regulatory uncertainty.
However, it wasn’t a complete victory. The court also ruled that Ripple’s direct sales to institutional investors did qualify as securities, meaning Ripple had to take some responsibility. In August 2024, a Manhattan court fined Ripple $125 million for these sales which is far less than the $2 billion the SEC originally wanted. Around the same time, the SEC dropped charges against Ripple’s CEO and co-founder boosting investor confidence in XRP.
Despite this, the SEC wasn’t done. In October 2024, they appealed the ruling, trying to overturn the decision that XRP sales to retail investors weren’t securities. That appeal was officially filed on January 15, 2025, with the SEC arguing that Ripple’s marketing created an expectation of profit. Ripple responded by challenging the appeal, saying the SEC wasn’t bringing anything new to the table. The case is now in the hands of the U.S. Court of Appeals, with a decision expected later in 2025.
Even though the appeal is still ongoing, Ripple’s legal position is stronger than ever. With Gary Gensler stepping down as SEC Chair, there’s speculation that the new leadership could take a different approach, possibly dropping the case altogether. For now, XRP has regained market confidence, and the worst of the legal uncertainty seems to be behind it.
What Does The Future Hold For XRP?
XRP’s future hinges on increased adoption. While Ripple is working to forge new relationships with major financial institutions, service providers and governments, the ongoing court case casts a shadow in markets like the US.
XRP Ledger’s ability to host additional compliant tokens and a functional decentralized exchange bodes well for growth in the use cases for XRP and XRPL. Much like Ether (ETH) powers the transfer of NFTs and tokens on the Ethereum blockchain, XRP powers transactions on XRPL. Newer applications like real-world crypto assets could push a well-connected blockchain like XRPL to the top. A global network of financial institutions already working with Ripple provides a wealth of opportunities to use XRP and XRPL in new ways.
What Experts Say on Whether You Should Buy XRP
Is XRP worth buying? The industry still holds mixed opinions on XRP and its role in the digital asset space. On the one hand, the deep links to Ripple give the XRP brand awareness superior to most cryptocurrencies. On the other hand, the ongoing legal saga involving Ripple and US regulators creates short-term uncertainty and will likely hold prices down in the near term.
Many earlier price predictions for XRP missed the mark by miles, showing how difficult it can be to predict digital asset prices in a rapidly changing market. In the end, the market decides. A Binance user survey indicates that the market sees XRP’s future price as largely unchanged throughout 2024 and 2025. By 2030, respondents see the token trading at $ 1.445872.
Other analysts put the potential market price much higher, however.
- AMBCrypto sees XRP possibly reaching $1.30 by year-end 2024. Longer-range predictions put the token as high as $3.03 by 2030.
- Changelly’s panel predicts XRP could reach $0.98 in 2025, with a high target of $7.54 by 2030.
It’s important to note that Ripple’s payment systems aren’t dependent on the price of XRP. Payments are settled nearly instantaneously in local currencies, whether XRP is $0.50 or $50.
Conclusion: Is Ripple a Good Investment?
XRP’s loyal following and Ripple’s extensive global partnerships have kept the token in the spotlight, consistently ranking it among the top cryptocurrencies by market capitalization. In January 2025, XRP hit the $3 mark for the first time in years, a milestone that underscores renewed investor confidence and optimism surrounding its ecosystem. With a fixed supply and a deflationary mechanism through transaction fee burning, XRP appeals to investors seeking assets with built-in safeguards against inflation. However, Ripple’s ongoing legal challenges with the SEC remain critical to watch. A favorable outcome could propel XRP to new heights, while adverse rulings may put downward pressure on prices.
As with any investment, never risk more than you can afford to lose. Diversifying your cryptocurrency portfolio can help mitigate risks associated with market volatility and asset-specific challenges, providing a more balanced approach to investing in digital assets.
FAQs
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References
- SEC Charges Ripple and Two Executives with Conducting $1.3 Billion Unregistered Securities Offering (sec.gov)
- Q3 2024 XRP Markets Report (ripple.com)
- Colombia’s Central Bank Partners with Ripple to Explore Blockchain Use Cases (coindesk.com)
- SBI Remit teams up with Ripple to power instant remittances between Japan and Thailand (ripple.com)
- Ripple Partners with Travelex Bank to Bring Crypto-Enabled Payments Solutions to Brazil (ripple.com)
- Ripple XRP Sold to Public Not Securities, Judge Says (bloomberglaw.com)
- US SEC seeks $2 billion from Ripple Labs, chief legal officer says (reuters.com)
- XRP (XRP) Price Prediction (binance.com)
- Ripple ordered to pay $125 million in penalty for improperly selling XRP tokens (reuters.com)
- SEC appeals decision that restricted its crypto oversight (reuters.com)
- Ripple v. SEC case update: November 1, 2024 (finbold.com)
- Here’s Why Trump is Blamed for XRP Crashing 33% to $1.95 (thecryptobasic)







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