Should You Buy XRP in 2025?

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At HelloSafe, our expert has been closely monitoring the evolution of the XRP cryptocurrency for over three years. Every month, hundreds of thousands of users across the US rely on us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical guidelines, HelloSafe has never purchased XRP nor received any compensation from entities connected to its ecosystem.

XRP in brief

How much does 1 XRP cost?

The price of XRP is up this week. As of today, XRP is trading at $2.47, with a 24-hour decline of 3.14% but a solid 10.16% gain over the past seven days.

Its current market capitalization stands at $144.65 billion, making it the 4th largest cryptocurrency, with an average daily trading volume of $4.33 billion over the last three months.

XRP's circulating supply is 58.55 billion tokens, representing about 3.2% of the total crypto market.

Given recent volatility and positive developments on the regulatory front, XRP continues to attract attention for its growth potential and rapid cross-border transaction capabilities.

Our comprehensive review of the XRP cryptocurrency

Have recent market dynamics unlocked a new opportunity for XRP? We’ve taken a deep dive into three years of XRP’s evolution using our proprietary blend of on-chain analytics, technical signals, market data, and a thorough review of its changing competitive landscape. History, fundamentals, and momentum are converging—so, why could 2025 redefine XRP as a strategic entry point in the digital payments ecosystem?

Recent Performance and Market Context

Price Evolution and Positive Catalysts

XRP emerged as one of 2024’s most impressive comeback stories, shifting from protracted regulatory uncertainty to renewed momentum. In the twelve months leading to May 2025, the price of XRP skyrocketed by 396%, settling recently around $2.47. The move is notable; it marks a nearly fourfold price increase since mid-2024 and an extraordinary +178% gain in the last six months alone, decisively outpacing the broader crypto market.

Several critical events engineered this breakout. Most significantly, Ripple’s historic settlement with the SEC in March 2025—concluding a multiyear legal standoff—eliminated the specter of securities classification, redefined XRP as a “commodity,” and delivered clarity to investors and institutions alike. The settlement triggered an 8% intra-day rally and underpinned a sustained period of upward price action, as liquidity providers and institutional actors scaled back in.

The sectoral backdrop for crypto is markedly improved versus the prior regulatory cycle. Broad adoption of blockchain solutions, expansion of digital asset regulation (emphasizing consumer protection yet supporting innovation), and a maturing global payment infrastructure are all feeding into higher capital flows for industry leaders. Notably, stable inflation, fewer rate hikes, and the entrance of new institutional capital reveal macro conditions that increasingly favor digital assets.

Technical Analysis

On-Chain Indicators and Price Structure

Despite short-term volatility—characteristic of a weekly -3.14% retracement after recent highs—XRP’s technical foundation appears notably resilient:

• Trend Momentum: The 20, 50, 100, and 200-day moving averages all slope positively, signaling persistent bullish structure across all key timelines. In particular, repeated closes above the 20- and 50-day averages reinforce strength among active traders.
• Key Supports: Major support levels are now established at $2.30 and $1.90, with the most recent bounce off $1.90 confirming robust buying interest and a clear zone for risk management.
• Resistance and ATH: Next resistance sits at $2.62, with true price discovery expected if $3.40—the historical all-time high—is overcome on volume.
• Oscillators: The daily RSI and MACD remain in neutral territory, offering room for a renewed push higher without the typical warning signals of overextension.

Short-term momentum is punctuated by high, healthy volumes averaging $4.33 billion/day, suggesting strong conviction behind every leg up. The rapid absorption of short-term corrections continues to signal prevailing buyer appetite, positioning XRP for an upward breakout scenario if macro and sector triggers align.

Fundamental Analysis

Ecosystem, Valuation, and Market Position

XRP’s fundamental appeal now stands on more solid ground than at any point in its post-2017 trajectory. Several drivers justify close attention:

• Institutional Adoption: Post-SEC settlement, institutional flows to major platforms (e.g., Binance, Coinbase) have accelerated. This shift from retail-dominated trading to a more institutionally supported base historically bodes well for price discovery and volume depth.
• Global Partnerships: Ripple’s expanding collaboration with top-tier financial institutions and central bank pilots—such as the Banco de la República—reinforce XRP’s real-world positioning as a cross-border money movement protocol.
• Technology Differentiation: Unlike many blockchains, XRP Ledger (XRPL) relies on a unique consensus protocol for sub-5 second settlement, ultra-low fees, and minimal energy consumption. This architectural edge enables both compliance and massive scaling potential, separating XRP from even direct competitors in the fast-evolving payment rails sector.
• Relative Valuation: With a market capitalization of $144.65 billion, XRP sits firmly within the top 5 global cryptocurrencies, commanding industry attention without approaching the “overheated” valuations sometimes seen in late-cycle rallies. The fully diluted value remains in line with its expanding addressable market, and liquidity is deep—supported by a $4.33B+ daily volume.
• Community and Ecosystem: The sentiment remains robust—an 85% positive outlook among holders—while Ripple’s continuous delivery of ecosystem tools and upgrades positions XRP at the heart of future DeFi, NFT, and institutional payment integrations.

Volume, Liquidity, and Dominance

Unprecedented volume flows—in both spot and derivatives—define XRP’s current cycle. Depth of order book, tight bid/ask spreads, and cross-market arbitrage opportunities have restored confidence for both tactical traders and long-term allocators. XRP’s uninterrupted top-4 crypto status builds persistent preference among portfolio managers and algorithmic strategies seeking non-Bitcoin beta.

Bullish Catalysts and Growth Perspectives

A confluence of factors could continue propelling XRP:

• Protocol Upgrades: Planned improvements to XRPL—focused on interoperability, smart contract functionality, and compliance features—are anticipated in late 2025, potentially catalyzing additional institutional participation and developer engagement.
• Expanding Use Cases: Recent Layer-2, NFT, and DeFi integrations are opening new growth verticals for XRP, far beyond its legacy remittance roots.
• Regulatory Tailwind: The definitive settlement with the SEC not only removes legal overhang but also sets a precedent for broader U.S. crypto regulation—a sector-wide catalyst that will likely draw further capital to compliant, large-cap assets.
• Sustained Institutional Adoption: Expanding flows from commercial banks and fintechs now piloting or actively using RippleNet position XRP as a backbone for next-generation payment networks.

Investment Strategies by Horizon

Short-Term: Tactical Entries

• XRP’s current consolidation above $2.30 offers an attractive tactical entry for traders seeking exposure ahead of protocol upgrades, especially as price approaches the $3.40 ATH resistance zone.
• Elevated volatility in the wake of significant newsflow enables disciplined swing trades with tight risk-reward profiles anchored on technical supports.

Medium-Term: Mid-Cycle Exposure

• Anticipated expansion of Layer-2 and DeFi applications, along with new central bank partnerships, support higher median price targets over the next 12–24 months.
• Investors may consider dollar-cost averaging during corrective phases or using price retracements toward the $2.00–$2.30 region as optimal build zones.

Long-Term: Structural Allocation

• With regulatory risk resolved, a case can be made for long-horizon portfolio inclusion. As the cross-border payment landscape modernizes, XRP is well-positioned to capture outsized share of expanding markets.
• Gradually scaling in—especially before major ecosystem releases or new regulatory guidelines—can offer asymmetric upside while managing market entry risk.

XRP Price Predictions

Is Now the Right Time to Consider XRP?

The convergence of strong fundamentals, technical resilience, and a dramatically clearer regulatory outlook form a rare alignment. XRP remains deeply liquid, institutionally embraced, and uniquely positioned at the intersection of finance and decentralized technology:

• Recent SEC settlement removes major barriers, unlocking institutional and retail flows.
• Technical structure supports a new uptrend with well-defined risk zones and upside targets.
• Ongoing innovations—XRPL enhancements, DeFi/NFT growth, interoperability upgrades—expand XRP’s value proposition.
• Global central bank and financial institution partnerships create ready-made channels for accelerated adoption.
• Market sentiment and liquidity both reinforce the structural bull case, with volumes confirming strong conviction.

Given these overlapping strengths, XRP’s multi-year growth potential now seems underpinned by more than speculative narratives. The asset appears to represent an excellent opportunity for investors attentive to risk and seeking exposure to a leader in cross-border digital payments.

Important risk information

XRP remains a highly volatile cryptocurrency that offers compelling dynamic investment opportunities but requires rigorous risk management. The recent acceleration in price demonstrates XRP’s capacity for rapid, sustained moves—yet evolving macroeconomic conditions mean selectivity remains essential. Key technical levels to monitor include $2.30 as immediate support and $3.40 as major resistance. The next major protocol upgrade, forecast for late 2025, could be a pivotal catalyst for XRP’s forward trajectory.

How to buy XRP?

It’s easy and secure to buy XRP (Ripple) online through a regulated platform in the US. Investors generally choose between two popular methods: buying XRP “spot” (owning the actual coins in a wallet) or trading XRP price movements via crypto CFDs (contracts for difference, without direct ownership). Each approach suits a different investment profile and risk tolerance. Below, we explain these two methods in detail—before reviewing the strengths and costs of major platforms further down the page.

Spot Purchase

Buying XRP “spot” means directly purchasing the tokens and storing them in a digital wallet—either on the platform or externally for increased security. You own the actual cryptocurrencies and can transfer, hold, or sell them as you like. Fees typically include a fixed commission per transaction (for example, $2.99 to $4.99 on US exchanges) or a small percentage of the purchase amount.

Example

Suppose the XRP price is $2.47 per coin. With a $1,000 investment and about $5 in transaction fees, you can buy approximately 402 XRP ($1,000 - $5 = $995 ÷ $2.47 = ~402 coins).
✔️ Gain Scenario:
If XRP’s price rises by 10%, your portfolio is now worth $1,100.
Result: $100 gross gain, or +10% on your investment.

CFD Trading

Trading XRP via CFDs involves speculating on price changes, without owning the underlying coins. CFDs let you invest in XRP’s price movements in either direction—up or down. This method often includes wider spreads (difference between buy/sell prices) and, if you hold positions overnight, financing fees (“overnight fees”). CFDs also allow for leverage, amplifying both potential profits and risks.

Example

You open a CFD position on XRP with $1,000 and apply 5x leverage.
Your market exposure becomes $5,000.
✔️ Gain Scenario:
If XRP jumps by 8%, your position gains 8% × 5 = 40%.
Result: $400 gain on your $1,000 investment (excluding fees).

Final Advice

Always compare the fees, spreads, security measures, and terms of each cryptocurrency platform before investing. Whether you opt for direct ownership (spot) or leveraged trades (CFDs) depends on your objectives, risk appetite, and experience with crypto markets. You’ll find a detailed US platforms comparison further down the page to help you make an informed decision.

Our 7 Tips for Buying XRP

The latest news about XRP

The US SEC officially dropped its lawsuit against Ripple in March 2025, sparking robust market optimism for XRP. Ripple's protracted legal battle with the Securities and Exchange Commission (SEC) concluded definitively when the regulatory body abandoned its case, resulting in a notable 8% surge in XRP's price upon announcement. The legal closure has lifted much of the regulatory uncertainty that weighed on XRP’s adoption in the US, enabling greater institutional involvement and reinvigorating confidence among American investors and exchanges. Market optimism is reflected in significant volume increases and improved sentiment, with 85% of market participants reportedly holding a bullish outlook on XRP.

Ripple reached a favorable settlement with the SEC, reclassifying XRP as a commodity rather than a security. As part of its agreement with the SEC, Ripple settled for $50 million—a fraction of the $125 million sought by regulators. More importantly for the US market, negotiations resulted in XRP’s reclassification as a commodity, rather than a security, removing a formidable regulatory overhang. This change simplifies exchange compliance and enhances XRP’s appeal as a tradable digital asset across US-based platforms. The market’s overwhelmingly positive reaction has been backed by rising institutional flows through major US and international exchanges.

XRP has delivered a 10% week-over-week price gain, reaching $2.47 and reflecting strong technical momentum. Over the past week, XRP’s price advanced by more than 10%, raising its market capitalization to $144.6 billion—solidifying its position among the top four cryptocurrencies globally. Technical indicators are broadly constructive: all major moving averages (20, 50, 100, and 200 days) confirm a sustained bullish trend, and XRP has bounced robustly from key support levels, particularly at $1.90. Although certain oscillators register a neutral stance, the medium- and long-term trajectories remain affirmatively upward, supported by a six-month performance of +178%.

US-based institutional adoption of XRP is accelerating, propelled by a regulatory green light and continued fintech partnerships. With regulatory clarity following the SEC resolution, large US exchanges report rising institutional uptake of XRP. Ripple’s ongoing expansion of its payment network, particularly its integration efforts with traditional financial institutions and central banks, maintains strong strategic visibility in the American fintech landscape. Payment use cases—especially for cross-border transfers—are greatly facilitated by the XRPL’s rapid settlement capabilities, low fees, and minimal energy profile, further distinguishing XRP from competitors like SWIFT or slower crypto protocols.

Market sentiment in the US remains constructive, with robust trading volumes and consensus expectations for additional upside. XRP’s current consensus price target stands at $3.21 (+30% from the latest price), and the sustained trading activity—over $4.3 billion in daily volume—confirms persistent high interest among US investors. The conclusion of major regulatory hurdles and Ripple’s ongoing partnership activity underpin an optimistic medium-term outlook, as US investors pivot to assets poised for compliance, scalability, and real-world financial integration.

FAQ

P. Laurore

Finance expert

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.