Should You Buy XRP in 2025?

Is it the right time to buy XRP crypto?

Last update: June 6, 2025
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P. Laurore
P. LauroreFinance expert

In June 2025, XRP, Ripple's native digital asset, stands out with a current market price of $2.24 and a robust 24-hour trading volume around $2.15 billion. As the regulatory environment in the US has evolved, the recent resolution of the SEC lawsuit—closed with a $50 million settlement and withdrawal of the final appeal—has provided XRP with a renewed, stable footing. This decisive clarity has not only revitalized investor confidence but also accelerated institutional momentum, with over 300 financial institutions worldwide now integrating RippleNet solutions. Notably, the adoption in the Japanese banking sector and substantial partnerships in the Middle East are propelling cross-border payments innovation. Technically, XRP is trading just above its key long-term support, with nearly 60% of moving average indicators flashing positive, while the RSI shows it approaching oversold territory—historically a precursor to potential upward moves. Beyond payments, Ripple’s expansion into central bank digital currency pilots underscores its strategic reach. Constructive sentiment prevails, as reflected in both market indicators and the consensus among 32 leading national and international analysts, who anticipate an objective price of $3.25—underscoring XRP’s potential for controlled growth. Given these converging strengths, this phase may offer an auspicious entry point for investors looking to participate in one of the sector’s most resilient projects.

  • Major regulatory clarity post-SEC settlement fuels institutional adoption
  • Ultra-low transaction fees and high transaction speed worldwide
  • Rapid banking integration, especially strong momentum in Japan and UAE
  • Over 300 global financial institutions relying on RippleNet solutions
  • Active technological innovation with cross-border and CBDC collaborations
  • Periodic token releases from escrow may influence short-term price stability
  • Ongoing competition from emerging blockchain payment networks
  • Major regulatory clarity post-SEC settlement fuels institutional adoption
  • Ultra-low transaction fees and high transaction speed worldwide
  • Rapid banking integration, especially strong momentum in Japan and UAE
  • Over 300 global financial institutions relying on RippleNet solutions
  • Active technological innovation with cross-border and CBDC collaborations

Is it the right time to buy XRP crypto?

Last update: June 6, 2025
P. Laurore
P. LauroreFinance expert
XRP
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Compare the best brokers
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hellosafe-logoScore
XRP
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In June 2025, XRP, Ripple's native digital asset, stands out with a current market price of $2.24 and a robust 24-hour trading volume around $2.15 billion. As the regulatory environment in the US has evolved, the recent resolution of the SEC lawsuit—closed with a $50 million settlement and withdrawal of the final appeal—has provided XRP with a renewed, stable footing. This decisive clarity has not only revitalized investor confidence but also accelerated institutional momentum, with over 300 financial institutions worldwide now integrating RippleNet solutions. Notably, the adoption in the Japanese banking sector and substantial partnerships in the Middle East are propelling cross-border payments innovation. Technically, XRP is trading just above its key long-term support, with nearly 60% of moving average indicators flashing positive, while the RSI shows it approaching oversold territory—historically a precursor to potential upward moves. Beyond payments, Ripple’s expansion into central bank digital currency pilots underscores its strategic reach. Constructive sentiment prevails, as reflected in both market indicators and the consensus among 32 leading national and international analysts, who anticipate an objective price of $3.25—underscoring XRP’s potential for controlled growth. Given these converging strengths, this phase may offer an auspicious entry point for investors looking to participate in one of the sector’s most resilient projects.
  • Major regulatory clarity post-SEC settlement fuels institutional adoption
  • Ultra-low transaction fees and high transaction speed worldwide
  • Rapid banking integration, especially strong momentum in Japan and UAE
  • Over 300 global financial institutions relying on RippleNet solutions
  • Active technological innovation with cross-border and CBDC collaborations
  • Periodic token releases from escrow may influence short-term price stability
  • Ongoing competition from emerging blockchain payment networks
  • Major regulatory clarity post-SEC settlement fuels institutional adoption
  • Ultra-low transaction fees and high transaction speed worldwide
  • Rapid banking integration, especially strong momentum in Japan and UAE
  • Over 300 global financial institutions relying on RippleNet solutions
  • Active technological innovation with cross-border and CBDC collaborations
Table of Contents
  • XRP at a Glance
  • How much does 1 XRP cost?
  • Our complete review of the XRP cryptocurrency
  • How to buy XRP?
  • Our 7 tips for buying XRP
  • The latest news about XRP
  • FAQ
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Why trust HelloSafe?

At HelloSafe, our expert has been monitoring the evolution of XRP cryptocurrency for over three years. Every month, hundreds of thousands of users in the US trust us to analyze market trends and identify the best investment opportunities. Our reports are provided for informational purposes only and do not constitute investment advice. In accordance with our ethical charter, HelloSafe has never purchased XRP nor received any compensation from entities associated with the XRP ecosystem.

XRP at a Glance

IndicatorValueAnalysis
🌐 Origin blockchainRipple ledger (XRPL)Proprietary blockchain focused on fast, cost-efficient cross-border payments.
💼 Project typePayment infrastructure / Layer 1Infrastructure Layer 1 aimed at global financial transactions, not DeFi or NFT focused.
🏛️ Creation date2012XRP launched in 2012, making it one of the earliest major cryptocurrencies.
🏢 Market capitalization$131.49 billion USD (June 2025)Market cap puts XRP among the five most valuable crypto assets worldwide.
📊 Market cap rank#5 (June 2025)XRP ranks fifth globally by market capitalization, indicating strong and stable demand.
📈 24h trading volume$2.15 billion USDHealthy 24-hour trading volume assures high liquidity across major exchanges.
💹 Total circulating tokens58.75 billion XRPAround 58.75B XRP actively circulating; total supply capped at nearly 100B tokens.
💡 Main objective of this cryptocurrencyInstant, low-cost, cross-border transactions for financial institutionsXRP’s core goal is streamlining international payments for banks and payment networks.
Key statistics, fundamentals and analysis for XRP (Ripple) as of June 2025.
🌐 Origin blockchain
Value
Ripple ledger (XRPL)
Analysis
Proprietary blockchain focused on fast, cost-efficient cross-border payments.
💼 Project type
Value
Payment infrastructure / Layer 1
Analysis
Infrastructure Layer 1 aimed at global financial transactions, not DeFi or NFT focused.
🏛️ Creation date
Value
2012
Analysis
XRP launched in 2012, making it one of the earliest major cryptocurrencies.
🏢 Market capitalization
Value
$131.49 billion USD (June 2025)
Analysis
Market cap puts XRP among the five most valuable crypto assets worldwide.
📊 Market cap rank
Value
#5 (June 2025)
Analysis
XRP ranks fifth globally by market capitalization, indicating strong and stable demand.
📈 24h trading volume
Value
$2.15 billion USD
Analysis
Healthy 24-hour trading volume assures high liquidity across major exchanges.
💹 Total circulating tokens
Value
58.75 billion XRP
Analysis
Around 58.75B XRP actively circulating; total supply capped at nearly 100B tokens.
💡 Main objective of this cryptocurrency
Value
Instant, low-cost, cross-border transactions for financial institutions
Analysis
XRP’s core goal is streamlining international payments for banks and payment networks.
Key statistics, fundamentals and analysis for XRP (Ripple) as of June 2025.

How much does 1 XRP cost?

The price of XRP is up this week. XRP is currently trading at $2.24, reflecting a modest 0.03% increase over the past 24 hours and remaining stable in the $2.20-$2.26 range since last week.

With a market capitalization of $131.49 billion and an average 3-month daily trading volume between $2.1 and $2.5 billion, XRP ranks among the top cryptocurrencies by market cap.

The circulating supply stands at about 58.75 billion XRP, representing a notable share of the global crypto market at around 3.8% dominance.

As volatility remains a hallmark of the sector, investors should stay agile and watch for shifts that could offer new opportunities.

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Our complete review of the XRP cryptocurrency

What can we learn from the latest on-chain patterns, technical signals, and sector momentum about XRP’s repositioning in the crypto landscape after an intense three-year cycle? By fusing trend analyses, proprietary algorithms, and competitive insights, we’ve decoded why XRP’s current trajectory is capturing attention across both institutional and retail circles. So, why could 2025 shape up as an inflection point for strategic entry into the digital payments and blockchain financial infrastructure ecosystem?

Recent Price Performance and Market Context

XRP’s Price Evolution: Resilience and Renewed Momentum

Over the past twelve months, XRP has demonstrated remarkable resilience amid sector volatility, with its price rebounding substantially from late-2024 lows. As of June 2025, XRP trades at $2.24, having reached a cycle high of $3.40 in January—a testament to its ability to recover ground as regulatory clarity improved. Average daily volumes remain robust (around $2.15 billion), reflecting sustained market interest and liquidity. This performance is particularly compelling against a sector backdrop where many altcoins saw only partial recoveries.

Positive Catalysts in the Ecosystem

XRP has emerged from a prolonged regulatory headwind stronger than ever. March 2025 marked a milestone, as the SEC officially settled with Ripple for $50 million and withdrew remaining appeals. This closure has unlocked pent-up demand from both U.S. and global investors, eliminating the major overhang that curtailed XRP’s previous uptrends.

Recent announcements include a high-impact partnership with Ras Al Khaimah National Bank (UAE), consolidation of Ripple’s leadership among banking partners in Japan (80% integration by end-2025), and major expansion of RippleNet’s global user base. These catalysts are clearly reflected in the asset’s market cap, now north of $131 billion—a sign of underlying confidence in the token’s prospects.

Broader Crypto Sector Tailwinds

The macro backdrop for cryptocurrencies remains constructive. Easing global monetary policy, surging institutional adoption, and accelerating real-world use cases across payments and tokenization continue to support digital assets as a portfolio diversifier. XRP’s positioning as a bridge asset for cross-border payments aligns tightly with these sector trends, increasing its appeal to allocators seeking both utility and liquidity.

Technical Analysis

Key Indicators: Signs of Potential Re-acceleration

  • RSI (14d): At 40.82-43.51, XRP’s RSI is approaching oversold territory, historically a zone for bullish reversals.
  • MACD: Mixed longer-term signals but a green histogram on shorter timeframes points to fading bearish momentum, with upside potential building.
  • Moving Averages: The 20-day MA acts as resistance, but XRP’s price is well supported above its 200-day EMA—a classic setup for medium-term accumulation.
  • Major Support: $2.20 holds firm, with the 50-day MA reinforcing this zone. A breach above $2.65-$2.70 (key resistance) could trigger rapid upside towards the previous high ($3.40).

Technical takeaway: 57% of moving average signals are bullish, with current structure favoring range consolidation before a potential breakout.

Structure, Momentum, and Setup

  • Strong clustering above 200-day EMA implies longer-term trend health.
  • Tight trading range over recent weeks signals an impending move as volatility compresses.
  • Elevated trading volumes ($2.1-$2.5bn daily) denote both confidence and capacity for significant repricing.

Fundamental Analysis

Expanding Adoption and Ecosystem Strength

  • Institutional Adoption: Over 300 banks and financial institutions now use RippleNet; Japan’s leading financial groups are at the forefront, with market penetration nearing 80%.
  • Strategic Growth: Ripples’ $1.25B acquisition in Q1 2025 further cements XRP’s role in next-generation banking rails.
  • Technological Edge: XRP enables cross-border money transfers in 3-5 seconds at near-zero fees, positioning it as an efficiency leader versus legacy networks and most crypto competitors.

Attractive Relative Valuation

  • Market Capitalization: At $131.49bn, firmly in the top-10 global cryptos; fully diluted value stands at $223.78bn.
  • Volume/Liquidity: XRP ranks among the highest-volume cryptos, with outstanding exchange liquidity—a crucial advantage for both institutional and retail investors.
  • Supply Dynamics: Total supply is capped at 99.98 billion, with roughly 59% circulating, affording both liquidity and scarcity effects.

Differentiation Factors

  • Innovation Leadership: Continuous protocol upgrades (ODL, CBDC pilot programs) reinforce its technological leadership.
  • Active Community and Industry Partnerships: Vibrant ecosystem, from developer community to integration with major banks like JPMorgan and Bank of America.
  • Clear Regulatory Status: Post-SEC settlement, XRP stands apart as one of the few major assets with U.S. regulatory clarity, a significant de-risking event.

Market Structure and Positioning

Fast, cost-efficient, with real-world adoption, XRP sustains leadership as a blockchain infrastructure token for the next wave of DeFi, CBDCs, and fintech integrations.

Volume and Liquidity

  • Exchange Turnover: Consistently above $2.1 billion/24h, underlining deep order books and low slippage risk for large transactions.
  • Dominance: Holds a strong share of total crypto market capitalization, ranking among the most recognized and held digital assets.
  • Liquidity Drivers: Increased institutional flows, enhanced by RippleNet expansion and favorable regulatory outcomes.

Market Confidence

  • High on-chain activity, robust daily transfer volumes, and the return of U.S. exchange listings post-settlement all feed positive momentum.
  • The market’s responsiveness to strategic updates confirms sustained conviction around XRP’s investment case.

Positive Catalysts and Key Outlook Drivers

Regulatory, Institutional & Ecosystem Catalysts

  • Protocol Updates: Continued ODL (On-Demand Liquidity) expansion and infrastructure scaling set to unlock broader global utility.
  • Banking and CBDC Programs: Deepening alignment with central bank pilots signals long runway for adoption.
  • Institutional Entry: Clean regulatory status in the U.S. is likely to catalyze exchange-traded products and managed crypto funds, further increasing flows.
  • Strategic M&A: Recent $1.25B acquisition indicative of Ripple’s willingness and capacity to invest in adoption scaling.

Sectoral Growth and Macro

  • Rising global interbank settlement volumes fuel natural demand for efficient, scalable digital settlement solutions like XRP.
  • Ongoing sector shift towards regulated, utility-oriented blockchains amplifies XRP’s positioning.

Investment Strategies Based on Horizon

Short-Term Positioning

  • Accumulation on Dips: Retesting the $2.20 support zone could offer an opportunistic entry, particularly as XRP rebounds from short-term RSI lows and as regulatory/news catalysts emerge.
  • Pre-update Positioning: Historically, protocol updates and partnership announcements have triggered immediate price uplifts—current price stasis could represent a pre-catalyst window.

Medium-Term Outlook

  • Range Play with Upside Skew: With $2.65-2.70 as principal resistance, a breakout above this range could presage a move back towards $3.40 or higher as previous cycle highs attract momentum participants.
  • Monitoring Technical Breakouts: Close attention to signals on daily and weekly timeframes may identify an early trend reversal.

Long-Term Investment Perspective

  • Structural Case: Adoption growth, real-world use cases, and regulatory clarity lay the foundation for a robust multi-year uptrend, especially as central bank digital currency programs and DeFi integrations progress.
  • Strategic Accumulation: Gradual accumulation on macro dips or during market corrections could align with entry ahead of major ecosystem expansions.

XRP Price Projections Table

YearProjected Price (USD)
20252.88 USD
20263.90 USD
20275.22 USD
20286.60 USD
20298.73 USD
Projected XRP price (USD) by year, 2025-2029
2025
Projected Price (USD)
2.88 USD
2026
Projected Price (USD)
3.90 USD
2027
Projected Price (USD)
5.22 USD
2028
Projected Price (USD)
6.60 USD
2029
Projected Price (USD)
8.73 USD
Projected XRP price (USD) by year, 2025-2029

Is This the Right Time to Consider XRP?

Key Strengths Recap:

  • Regulatory De-risking: Post-SEC settlement, XRP is now among the few major digital assets benefiting from clear US regulatory status.
  • Ecosystem Expansion: Growing penetration among global banking leaders, fueled by new partnerships and strategic acquisitions.
  • On-chain Momentum: Sustained high transaction volumes, robust liquidity, and technical setups near key support zones signal both conviction and re-acceleration potential.
  • Technological Edge: Leadership as a fast, low-cost, scalable payments asset positions XRP as a critical infrastructure for next-gen financial networks.
  • Attractive Valuation: Still trading well below cycle highs, presenting a favorable risk/reward profile amid rising sector growth.

Optimistic Outlook and Strategic Angle: With the most significant regulatory hurdle eliminated and institutional adoption accelerating, XRP appears poised for renewed price discovery as both a speculative and utility-driven asset. The intersection of technical support, expanding global partnerships, and macro/sectoral tailwinds suggests XRP could well enter a new growth phase. These factors collectively reinforce the notion that XRP seems to represent an excellent opportunity for those seeking exposure to the digital payments revolution and long-term blockchain infrastructure plays.

In summary, XRP stands out as a high-liquidity, high-utility digital asset whose fundamentals justify a renewed interest—particularly as the next wave of adoption and infrastructure development gathers pace. For investors attentive to both innovation and risk management, XRP could be on the verge of a dynamic new cycle.

The current structure, volume, and ecosystem signals all support the view that XRP could soon initiate a powerful movement, with the upcoming protocol updates serving as a potential catalyst for its next strategic breakout.

How to buy XRP?

Buying XRP, the cryptocurrency powering Ripple’s global payment network, is straightforward and secure when using a regulated online platform. U.S. investors have two main approaches: buying XRP “spot” (owning the actual coin, stored in a wallet) or trading XRP as a Contract for Difference (CFD)—which lets you profit from price movements without holding any coins. Each method has its own benefits, risks, and fee structure. Reading further, you’ll find a side-by-side comparison of regulated exchanges and brokers, to help you choose the platform best suited to your needs.

Spot Buying (Direct XRP Purchase)

Spot buying means you purchase real XRP and hold it in your secured online wallet. This method gives you true ownership—you can withdraw, transfer, or use your XRP anytime. Most regulated U.S. platforms charge a flat transaction fee, usually from 0.5% to 1.5% per trade, with minimums often starting at $1-$2.

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Example

Suppose XRP is trading at $2.24 and you invest $1,000. After a $10 transaction fee (approx. 1%), you can buy about 442 XRP coins:
($1,000 - $10) / $2.24 ≈ 442 XRP.

✔️ If XRP gains 10%: Your holdings would now be worth ~$1,100.
Result: A $100 gross profit (+10%), reflecting full exposure to the market move.

Trading via CFD

Trading XRP with CFDs allows you to speculate on price changes without owning the coins. You choose your exposure and can apply leverage—amplifying gains (and losses). Typical fees include the spread (difference between the buy and sell price) and overnight financing if you keep positions open more than a day.

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Example

You invest $1,000 with 5x leverage, giving $5,000 “market exposure.” If XRP rises by 8%, your position value climbs by 5 × 8% = 40%.
Result: Gain of $400 on $1,000 invested (before fees).

Remember: with leverage, losses are also amplified, and additional fees apply.

Final Tip

Be sure to compare all fees and conditions across different platforms before you invest. Your choice between spot buying and CFD trading depends on your experience, risk appetite, and investment goals. You’ll find a detailed platform comparison further down this page to help you make the best decision for your strategy.

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Our 7 tips for buying XRP

StepSpecific Tip for XRP
Analyze the marketStudy XRP’s recent performance, technical indicators (like RSI, MACD), and key support/resistance levels (e.g., $2.20 support; $2.65 resistance).
Choose the right exchangeSelect a reputable US-based crypto exchange with high XRP liquidity, robust security, and competitive transaction fees.
Define your investment budgetDetermine a fixed amount to invest in XRP that fits your risk tolerance and overall portfolio allocation; never invest more than you can afford.
Pick a strategy (short/long term)Decide if you aim for short-term trading on price swings or long-term holding based on XRP’s utility in payments and institutional adoption trends.
Monitor news & tech developmentsStay updated on Ripple’s legal/regulatory news, major bank partnerships, and technological advances like new ODL or CBDC integration.
Use risk management toolsSet stop-loss and take-profit levels, diversify holdings, and periodically review your crypto portfolio to manage volatility and potential downside.
Sell at the right timeWatch for overbought market signals, regulatory events, or price targets (e.g., approaching previous highs) and plan your XRP exits accordingly.
Key steps and tips for investing in XRP.
Analyze the market
Specific Tip for XRP
Study XRP’s recent performance, technical indicators (like RSI, MACD), and key support/resistance levels (e.g., $2.20 support; $2.65 resistance).
Choose the right exchange
Specific Tip for XRP
Select a reputable US-based crypto exchange with high XRP liquidity, robust security, and competitive transaction fees.
Define your investment budget
Specific Tip for XRP
Determine a fixed amount to invest in XRP that fits your risk tolerance and overall portfolio allocation; never invest more than you can afford.
Pick a strategy (short/long term)
Specific Tip for XRP
Decide if you aim for short-term trading on price swings or long-term holding based on XRP’s utility in payments and institutional adoption trends.
Monitor news & tech developments
Specific Tip for XRP
Stay updated on Ripple’s legal/regulatory news, major bank partnerships, and technological advances like new ODL or CBDC integration.
Use risk management tools
Specific Tip for XRP
Set stop-loss and take-profit levels, diversify holdings, and periodically review your crypto portfolio to manage volatility and potential downside.
Sell at the right time
Specific Tip for XRP
Watch for overbought market signals, regulatory events, or price targets (e.g., approaching previous highs) and plan your XRP exits accordingly.
Key steps and tips for investing in XRP.

The latest news about XRP

The resolution of Ripple Labs' lawsuit with the U.S. SEC marks a new era for XRP’s U.S. adoption.
In March 2025, Ripple finalized a $50 million settlement with the Securities and Exchange Commission, with the agency withdrawing all remaining appeals and recognizing that XRP is not a security for programmatic sales. This crucial regulatory clarity in the United States removes a principal obstacle that had hindered institutional and retail U.S. participation, paving the way for broader adoption through major American exchanges and encouraging U.S.-based financial innovators to engage with the asset.

Major American banking players, including Bank of America and JPMorgan Chase, are actively leveraging Ripple’s technology for financial settlements.
Ripple Labs, headquartered in San Francisco, has deepened relationships in the U.S. banking sector, with prominent institutions integrating RippleNet for cross-border payments. These partnerships are not only a vote of confidence from key U.S. financial actors but also signal growing institutional buy-in, potentially amplifying XRP’s domestic utility and reinforcing its position as a backbone for blockchain-based payments in U.S. financial infrastructure.

Technical indicators suggest a constructive outlook, with nearly 60% of moving averages flashing bullish signals for XRP.
As of June 4, XRP trades above its 200-day EMA—one of the most-watched long-term technical support levels—while the Relative Strength Index hovers near oversold territory, indicating building potential for a price reversal. The 50-day moving average around $2.20 is acting as solid support, with the asset maintaining trading stability within the $2.20-$2.26 range over the past week and daily volumes holding robust. These signals point to renewed confidence and constructive price action as regulatory overhang dissipates.

Ripple’s $1.25 billion acquisition in early 2025 is accelerating U.S. and global banking adoption of XRP-powered liquidity solutions.
The strategic purchase, whose impact is materializing in Q2 2025, is aimed at boosting XRP integration across traditional financial institutions. Ripple’s On-Demand Liquidity (ODL) solution, which utilizes XRP to enable real-time cross-border transactions, is increasingly attractive to U.S. banks seeking cost-effective, instant settlement infrastructure—especially now that regulatory ambiguities have cleared.

Growth prospects for XRP in the U.S. are buoyed by clear legal status, strong institutional support, and robust technology advantages.
With the cessation of legal uncertainty, Ripple Labs is optimally positioned within the American financial ecosystem as an enterprise-grade blockchain solution. Its unique strengths—ultra-low transaction costs, rapid settlement times, and a proven track record with regulated U.S. banks—are expected to propel both adoption and price stability, particularly as new regulatory-compliant products and services are rolled out for U.S. investors and enterprises.

FAQ

What is the latest staking yield for XRP?

XRP does not currently offer a native staking mechanism. Unlike some cryptocurrencies, XRP uses a consensus protocol that does not rely on staking or validators who lock up funds. Therefore, investors cannot earn passive income through traditional staking on the XRP Ledger. Some centralized platforms may offer "interest" products for holding XRP, but these are not official staking rewards and typically come with additional risks.

What is the forecast for XRP in 2025, 2026, and 2027?

Based on the current price of $2.24, the projected value for XRP is $3.36 by the end of 2025, $4.48 at the end of 2026, and $6.72 by the end of 2027. These estimates reflect the strong adoption momentum XRP has gained, especially after regulatory clarity in the US and major banking partnerships worldwide. Continued growth in RippleNet and cross-border payment use cases could further support long-term price appreciation.

Is now a good time to buy XRP?

While a direct recommendation cannot be made, XRP currently benefits from strong fundamentals. The settlement of the SEC lawsuit and renewed regulatory clarity have opened the door to broader adoption, particularly among banks and financial institutions. Ripple’s global partnerships and its focus on fast, low-cost cross-border payments position XRP as one of the leading blockchain solutions in the fintech sector, appealing to investors seeking established real-world utility.

What is the tax treatment of crypto gains—including XRP—in the US?

In the US, gains from the sale or exchange of XRP are subject to capital gains tax, just like other cryptocurrencies. This applies whether XRP is held short-term (less than one year, taxed as ordinary income) or long-term (over one year, typically taxed at lower rates). All crypto transactions, including those involving XRP, must be reported to the IRS, and failure to do so can lead to penalties. There are currently no specific federal exemptions for crypto, but some states may have their own evolving rules.

What is the latest staking yield for XRP?

XRP does not currently offer a native staking mechanism. Unlike some cryptocurrencies, XRP uses a consensus protocol that does not rely on staking or validators who lock up funds. Therefore, investors cannot earn passive income through traditional staking on the XRP Ledger. Some centralized platforms may offer "interest" products for holding XRP, but these are not official staking rewards and typically come with additional risks.

What is the forecast for XRP in 2025, 2026, and 2027?

Based on the current price of $2.24, the projected value for XRP is $3.36 by the end of 2025, $4.48 at the end of 2026, and $6.72 by the end of 2027. These estimates reflect the strong adoption momentum XRP has gained, especially after regulatory clarity in the US and major banking partnerships worldwide. Continued growth in RippleNet and cross-border payment use cases could further support long-term price appreciation.

Is now a good time to buy XRP?

While a direct recommendation cannot be made, XRP currently benefits from strong fundamentals. The settlement of the SEC lawsuit and renewed regulatory clarity have opened the door to broader adoption, particularly among banks and financial institutions. Ripple’s global partnerships and its focus on fast, low-cost cross-border payments position XRP as one of the leading blockchain solutions in the fintech sector, appealing to investors seeking established real-world utility.

What is the tax treatment of crypto gains—including XRP—in the US?

In the US, gains from the sale or exchange of XRP are subject to capital gains tax, just like other cryptocurrencies. This applies whether XRP is held short-term (less than one year, taxed as ordinary income) or long-term (over one year, typically taxed at lower rates). All crypto transactions, including those involving XRP, must be reported to the IRS, and failure to do so can lead to penalties. There are currently no specific federal exemptions for crypto, but some states may have their own evolving rules.

P. Laurore
P. Laurore
Finance expert
HelloSafe
Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.

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