After numerous struggles that have kept it out of the top five crypto assets by market cap, XRP has finally reclaimed its spot, flipping the likes of Dogecoin, Binance Coin, and Solana on the global crypto charts. Currently, XRP is among the top four largest digital currencies by market cap in May 2025.
Boasting a market cap of over $135,248,047,794 and a massive community, XRP is the native cryptocurrency of Rippleโs ecosystem and the coin used for settling transactions on the RippleNet.
In this guide, we will examine XRPโs current price, its history, factors that affect it, and why you might want to consider buying it.
If you are interested in investing in XRP, it might be helpful to learn everything about it and its price first before making your final decision.
XRP Price History
XRP is one of the oldest active assets in the crypto industry today, as it was initially launched in 2012 for $0.1. However, its price was significantly below that over the next several years.
XRP Price Chart
(XRP)It did see an occasional surge, such as in December 2013, when it reached $0.05, or in January 2015, when it climbed to $0.02. However, between its launch and 2017, XRP’s worth was under a cent.
Things changed in 2017 thanks to a market-wide bull run led by Bitcoin. Thanks to its massive market dominance, Bitcoin price was able to pull the rest of the industry with it.
So, when BTC hit $20,000, XRP reached its all-time high of $3.84 on 7th January 2018 (according to CoinMarketCap). This is still the coinโs ATH to this day. After hitting this level, the coin crashed in 2018 due to the first bear market, which brought it down to around $0.27.
XRP remained relatively the same for several years, although it sank slightly deeper in 2020 to $0.20. Once 2021 came, and a new price surge took the crypto industry, XRP joined and skyrocketed to $1.8.
However, soon after climbing up to this level, the market crashed just after Tesla announced that it would stop accepting Bitcoin payments due to its massive carbon footprint. XRP sank to $0.55 over the next few months, but then the bull run picked up again, allowing the crypto industry to surge again.
XRP joined this last bull run but only climbed to $1.3. Then, in November 2021, the market suddenly turned bearish, and XRP started crashing again, leading it to its bottom at $0.33, which it reached in 2022.
XRP made several attempts at recovery, which were stopped by one level or another. One started in mid-March 2023, allowing XRP to reach the price of $0.57 on March 29th.
It then dropped to $0.50 on April 4th 2023, and this level served as strong support for the next few weeks, only to finally break on April 19th.
In July 2023, Ripple’s partial victory over the US SEC pushed the XRP price to $0.93. But the token couldn’t sustain itself at this level, dropping to close to $0.45 on September 11th, 2023, before the bounce.
The first quarter of 2024 saw the market recover, but it did not have much impact on the XRP price. It was not until late 2024 that XRP began to record a significant rally, fueled by a Bitcoin-led bull run and the launch of Ripple’s stablecoin, RLUSD. While it had a slow start to the bull cycle, XRP finally started blowing up on the price charts, crossing the $1 and $2 levels within a few weeks.
Reasons to Consider XRP Investment
XRP is an old and fairly established asset that has done many things right despite its controversial history. However, if you are unsure whether you should invest in it, the following list may help you decide.
Security
Security can be something of a problem with the crypto industry. One of the sectorโs claims is that it can be more secure than traditional banking, but on the other hand, it lost millions, even billions of dollars to hacking attacks.
This is why an asset such as XRP, which has performed fairly well in this regard, should be considered. XRP has not been compromised once since its inception.
Predetermined supply
Cryptocurrencyโs supply is more important than most people realize. To most newcomers, it simply represents how many coins exist, and they often overlook it. However, a supply is much more than that; it can make or break a cryptocurrency.
Crypto supply is already different from fiat currency supply because it is capped. Of course, there are some uncapped cryptocurrencies out there, but as far as XRP is concerned, the coin has a maximum and a total supply.
Bitcoin invented the concept of a capped supply, which it limited to 21 million. This makes it scarce at the current and future levels of adoption, especially since not all coins have been mined yet.
XRP has a 100 billion supply, but it is meant to be used by the entire world daily through the banking sector.
Furthermore, it also burns its coins. While it is true that it only burns small amounts through usage, it is still consistently working on reducing its supply with each transaction.
Practicality
While the majority of the crypto industry intends to replace the banking system, Ripple proposes using XRP to help it evolve and become more efficient.
This approach to dealing with the banking sector seems far more probable and likely than running it out of business. This gives XRP a greater chance of surviving in the long term.
By now, even the banks have realized they wonโt be able to hold back the crypto industry forever.
Even so, they are more likely to find a way to use them for themselves than to withdraw and die out simply. With Ripple and XRP being right there, offering their services to the banks, they are more likely to adopt it and secure their position in the growing crypto world.
CBDC support
Ripple and XRP have a huge advantage over the rest of the crypto market: they support CBDCs. While the rest of the crypto industry sees CBDCs as โfake crypto,โ Ripple has been helping central banks with CBDC issuance.
As mentioned, central banks will find a way to combine their own services with cryptocurrencies, and CBDCs are a massive step toward that goal.
Ripple and its XRP are involved in the process, and the two will likely be integrated into the future CBDC system.
XRP could possibly end up serving as a method of sending and converting CBDC internationally when each country ends up running its own digital currency.
Ripple Transaction Protocol
Another reason to consider XRP is the Ripple Transfer Protocol. This has been part of the projectโs plan since its launch in 2012, and since then, the company has been consistent in improving.
Fast transactions
Bitcoinโs initial purpose was to be a currency, but its low speeds make it very inefficient. As a result, it started evolving into a store of value. Thanks to its fast transactions, Ripple is much more efficient when it comes to making near-instant payments.
Low price
Lastly, let us consider one final thing โ the fact that XRP has a very low price. At its highest, it only climbed up to $3.84, which was back in 2018. During Q4 2024, it climbed up to $2.7, and after, the price dropped slightly, fluctuating between $2.1 and $2.3. While all of these other coins have gone out of range for most people, you can still buy XRP.
XRP Price Predictions
XRP has been a heavily discussed token within the crypto community, but much of its performance has been overshadowed by regulatory battles, especially its ongoing issues with the SEC.
This regulatory uncertainty has likely been one of the main factors causing the tokenโs stagnant value over the past several years. However, with some of these legal issues now appearing to clear up, XRP could have room to grow.
While XRP remains one of the most recognized tokens in the crypto space, its future is not without risk, and investors should remain cautious. Below, we break down the price outlook for XRP over the coming years.
XRP Price Chart
(XRP)
XRP (XRP)
2025 XRP Forecast
Analysts have mixed predictions for XRPโs performance in 2025.
Arthur Azizov, CEO of B2BinPay, anticipates that XRP could reach between $5 and $7 in the first half of 2025, especially if Rippleโs new stablecoin, RLUSD, gains traction.ย Similarly, LongForecast projects that XRP may climb to $5.81 by December 2025.
More bullish perspectives, such as those from DeepSeek AI, suggest that XRP could soar to $30 by 2025, driven by factors like institutional adoption and potential futures contracts.
XRP in 2026 and Beyond
Looking further ahead, forecasts remain optimistic yet varied. LongForecast estimates that XRP could reach $8.36 by December 2026. Analyst Egrag anticipates a correction to around $3.10 in 2026, followed by a surge to targets between $8 and $30.
Itโs important to note that these projections are contingent on various factors, including regulatory developments, market adoption, and overall economic conditions. Investors should conduct thorough research and consider the cryptocurrency market’s inherent volatility before making investment decisions.
How Often Does The XRP Price Change?
Like other cryptocurrencies, XRP price is not backed by real-world assets, so nothing holds its price in place. As such, the XRP price is constantly changing.
However, unlike most other assets, XRP rarely sees massive changes, and for the most part, it only fluctuates up and down by a few cents.
What Factors Affect the XRP Price?
Ripple price is affected by a variety of different factors, which can have a positive or a negative impact. Each of the following can affect the way that other traders and investors feel about the coin and thus affect its price.
Availability
Availability, also known as supply, is the first and basic factor affecting any asset’s price. Coupled with demand, the two are the primary factor that makes the price of XRP change.
Naturally, if there is demand for something, its value is determined by how much or how little of it exists on the market. Scarce assets are highly valuable, while assets that have a major supply tend to be cheap.
With the availability of XRP constantly changing through sales and purchases, its value changes, as well.
When XRP was created, Ripple created 100 billion units. 20 billion was divided among the co-founders of the project, and the rest was made available to the public.
XRP also has a token-burning mechanism, where a fixed amount of XRP is destroyed during each transaction, thus reducing the circulating supply. At the time of writing, XRP has a max supply of 100 billion, a total supply of 99.98 billion, and a circulating supply of 57.2 billion.
Whales
The next factor determining the XRP value is whale movement. Crypto whales are wealthy individuals who own massive amounts in cryptocurrency.
Most people consider individuals with 1,000 BTC or more to be whales. However, a whale can also be an entity that owns 1 million to 10 million of any cryptocurrency.
The amount one needs to hold to be considered a whale is a bit loose, but the fact is that whales tend to make massive transactions that have a strong impact on the market.
This is why the members of the crypto community constantly monitor them. By dumping or buying large quantities, whales can start entire bull runs or even trigger a bear market.
External factors
Then, there are external factors, such as news reports and updates about the asset, that can affect its price. The news can affect the price because it can influence investors and traders. Positive news surrounding the asset can make people want the coin and invest in it.
Negative news can make them worry about price drops, which makes them sell. By selling, they personally contribute to that price drop, but investors believe that others will start selling, even if they donโt.
That would lead to the price crash anyway, leaving them with losses. To avoid that, each investor seeks to be among the first to sell and profit as much as possible.
For example, Ripple has been in a several years-long legal battle with the US Securities and Exchange Commission now.
The SEC accused XRP of being an unregistered security, while Rippleโs executives were accused of scamming investors.
Ripple fought back and eventually got a favorable judgment in 2023. However, the agency appealed the judgment and the case has not been resolved yet. In the event that the newly nominated SEC boss, Paul Atkins that he withdraws the appeal, which is more likely, such news could bring a major boost for XRP.
This will also be extremely meaningful for the entire crypto industry, as the SEC has cracked down on dozens, if not hundreds of crypto companies so far.
Associations and Partnerships
Associations and partnerships with large, reputable brands help cryptocurrencies look better, as they essentially gain the support of the brand they are partnered with. Investors who trust those brands tend to think that if the coin is good for the brand, it is also good and trustworthy enough for them.
Partnerships tend to be very beneficial for crypto prices. Historically, XRP has rarely had a strong reaction to a partnership announcement, but this does help overall.
Use Cases
Of course, use cases are also a large factor that affects the assetโs price. A cryptocurrency needs to be useful in order for people to want it. If it cannot offer any use cases, there is no reason for anyone to hold it.
In XRPโs case, it is the only asset that can be used to transfer money through Rippleโs network, the RippleNet. Meanwhile, Ripple has offered this network to banks around the world.
By connecting them all as a trusted 3rd party, a person can go to their bank, make an international payment, the funds would get transferred to RippleNet, and sent instantly to the other bank in the form of XRP.
Once the money arrives to its destination, it is converted to the local currency. The entire process can be completed in seconds instead of the days-long procedure the banks usually have to complete to complete international payments.
The benefit here is that XRP is used for transferring assets, but other than that, the person making the payment and the receiver have no interaction with cryptocurrency.
That way, users who are not tech-savvy enough to use cryptocurrencies can still benefit from their technology.
The sender and the receiver only work with banks and fiat currencies, and they are quite familiar with both. Other than that, XRP can also be used in trading and investing, so it has several use cases that make it useful to crypto users.
How Can I Invest in XRP?
There are only four simple steps to investing in XRP using this platform, and those include the following:
- Registering: Start by going to the chosen platform’s website and registering your account.
- Verification: The next step is verifying your identity, which simply includes uploading certain documents to prove that you are who you claim to be and that you are an adult.
- Making a deposit: Once your account is approved, the next step is to use one of the available payment methods to make a deposit. However, remember only to use the money you can afford to lose. Crypto trading and investing are still reasonably risky, and you should never use the money you depend on.
- Buying XRP: Finally, once the money arrives to your account, you should search for XRP in the search field, and click the trade button next to it. Enter the amount that you wish to buy, and make a transaction.
One thing to remember, however, is that after you become the owner of XRP, it’s worth withdrawing it to a private wallet.
Donโt just let it sit in a wallet that someone else controls. In the crypto industry, there is a saying: “Not your keys, not your coins.”
If you leave your XRP in a wallet that someone else controls, they can take them away, freeze your account, and alike. This cannot happen if you use a private wallet, and it is a huge part of keeping your cryptocurrencies safe.
Is it Worth Buying XRP in 2025?
With the nomination of Paul Atkins as the new SEC boss, analysts believe Ripple could easily get its legal issues resolved amicably and XRP ETFs will be approved before March 2025. These possibilities alongside the excitement around its stablecoin launch has triggered the strong investor sentiment around XRP.
However, depending on how things go with the lawsuit, XRP price might skyrocket, or it might drop. However, any drop that it might see would only be temporary. As Ripple continues to expand its offerings, those who hold it long-term will likely see a price surge eventually. If you plan to invest in it for several years, you may as well buy it now.
If you wish to be an XRP day trader, your decision to buy it depends on its daily price movement.
Short-term investments, maybe a few weeks or months, are the riskiest, as XRP could go either way.
We recommend that you do your own research, decide whether to buy or wait for the matter to be resolved, and then react accordingly.
How To Get Started With XRP
Before you begin investing in XRP, we recommend you understand each and everything about investing in the coin.
In order to get started with investing in XRP, keep in mind that you choose a legitimate cryptocurrency exchange and take into consideration a lot of other factors. These factors involve the transaction fees, the user interface, availability of the coins, and if the platform has its own wallet available.
To help you out in your process of getting started with XRP, weโve created a small guide for you. This contains all youโd ever need to know about investing in XRP.
Learn How To Buy XRP In May 2025
Automated XRP Trading
Since XRP is an asset that primarily sees micro changes to its price, it can be hard for a regular person to make profits by trading it.
Day trading, in particular, requires quick reactions and entering and exiting positions all the time to make the best of the situation. This is why many tend to trade XRP by automating it.
This means that they would use a trading bot, set it up, and let it trade on its own.
This is beneficial as the robot can gather information, analyze it, and react in mere seconds, while a human would take minutes, even when most productive and fully focused.
You can do the same by selecting a bot that supports XRP. Simply deposit some money as your initial investment, provide the terms such as when to buy and when to sell, and let the robot do its thing.
Trading bots have become popular as they work quickly, they are not burdened by feelings such as greed or fear; they simply analyze the market behavior and react to it.
Still, in order to set up a bot properly, you need to understand the market yourself and know how it breathes.
What To Know Before Investing in XRP?
While investing in cryptocurrencies is easy, you need to remember to invest in them responsibly. That means keeping the risks in mind at all times and following a certain set of rules, such as:
- Do not make XRP the majority of your investment portfolio.
- Do as much research as possible to find out everything about XRP and then decide if you still wish to buy it.
- Identify the best exchanges that are available to you, compare them, and decide which one offers the best terms.
- Make sure to withdraw your XRP to a private wallet, regardless of whether you trade on a crypto exchange or through a broker.
- Listen to what experts have to say, but always make your own decisions, and never follow other peopleโs advice blindly.
- Shield your internet traffic with a VPN to increase your security even more.
Taxation on XRP Earnings
Another thing you should remember is that cryptocurrencies are subject to taxation in most regions of the world now. While the regulations for the crypto industry are lacking, governments were quick to tax people for their crypto profits.
However, each nation did it on its own, so each countryโs tax laws are different. That means you will have to research your countryโs crypto taxes to learn how much you need to pay.
Keep in mind that not paying crypto taxes is bound to get you into trouble with the authorities, as crypto profits are no different from profits made from trading stocks and other assets in the eyes of the governments.
Read more about how to sell XRP in our guide and the taxes involved.
XRP Vs. Other Coins
When it comes to comparing XRP with other coins, there lie a lot of similarities & differences between the two. However, letโs compare XRP with some bigwigs like Bitcoin & Ethereum to give you a fair idea about XRPโs position in the crypto market.
Ethereum Vs. XRP: A Comparison
Both Ethereum and XRP have seen an enthusiastic response from investors in the last few years. However, at the end of the day, the final call between finding the right investment lies from one investor to another.
| Basis | Ethereum | XRP |
|---|---|---|
| Supply | Uncapped Supply | Capped supply at 100 billion |
| Transaction Speed | 30 Transactions Per Second | Thousands of transactions per second |
| Price | $3,430 | $2.3 |
| Centralisation | Decentralised | Centralised |
Bitcoin Vs. XRP: A Comparison
| Basis | Bitcoin | XRP |
|---|---|---|
| Supply | Supply Capped at 21 million | Supply capped at 100 billion |
| Transaction | Slow. Might take several minutes | Fast. Thousands of transactions in seconds |
| Speed | 7 transactions per second | Thousands of transactions per second |
| Centralisation | Completely Public | Centrally owned by Ripple |
| Price | $93,456 | $2.3 |
| Energy Consumed | A lot of energy consumed while mining | A negligible amount of energy consumed |
Long-Term Investing Vs. Day Trading XRP
Day trading and long-term trading have their own sets of pros & cons that one needs to look into before diving all into cryptocurrency.
Day Trading XRP
Pros
- Ability to make gains on a daily basis;
- Might be the most exciting option for many;
- An additional income stream;
- Short-term gains and losses;
- In constant touch with the market.
Cons
- Higher element of risk;
- Higher tax rates involved;
- More paperwork required;
- Constant watch on the markets;
- Chances of pump & dump trades are high.
Long-Term XRP Investing
Pros
- Reduced tax rates;
- Less paperwork involved;
- Less time consuming;
- Short-term gains and losses;
- In constant touch with the market.
Cons
- Chances of missing out on short-term gains;
- Not as exciting as day trading;
- Constant watch on the markets;
- Chances of pump & dump trades are high.
Conclusion
XRP is an old and established cryptocurrency that has been consistent with its goals and relatively stable with its price. It was certainly more stable than most other cryptos, with weaker reactions to major market changes and new developments.
It has great potential to one day become the main crypto used by banks to send money internationally. Despite its controversies and ongoing legal case, it is still a very popular, high-ranking coin.
All of this makes it worth your consideration if you are looking for another crypto to add to your portfolio.
eToro is one of the most regulated trading platforms when it comes to investing in crypto. A seamless user interface allows you to look into your trades easily and deposit through a number of payment methods.
Open an account today to also be able to network with other XRP investors and traders – eToro is a social trading platform where you can post your thoughts on the market and see other people’s XRP price predictions. You can also copytrade one or several professional traders with a history of beating the markets.
However, before you do so, research it well, and make your own decisions. XRP may not be for everyone, especially since it is different from most traditional crypto projects, so each investor needs to make this decision for themselves.
FAQs
What is the price of Ripple right now?
At the time of writing, XRP price sits at around $2.3. The price has seen some volatility lately, but is expected by investors to regain value soon.
What drives the price of Ripple?
XRP price is being driven by a number of factors, as mentioned above. Those include availability, whales, use cases, partnerships, and external factors such as news, to name a few.
What is a realistic Ripple Price Prediction?
Realistically, XRP has gone up to $2 in late 2024 and $3 during the bull run in 2017. With that said, the coin could reach these levels again, and even go beyond them.
Why the Ripple Price is Low?
Rippleโs price depends on a number of factors, including its massive circulating supply, use cases, adoption and usage level, and more. The coin is also less volatile than most others, so it is sticking to a fairly realistic price.
Can Ripple beat Bitcoin, aka 'Flip' it?
It is unlikely that XRP would ever be able to beat Bitcoin in any regard. No one can deny the possibility completely, but in order for it to happen, XRP would need a massive increase while BTC remains unchanged. This is extremely unlikely, although not impossible.
What was Rippleโs ICO price?
During its ICO, XRP was selling at a price of $0.1 per unit. This was back in 2012, when the asset first appeared.
When will Rippleโs price go up?
XRP price is very likely to go up during the next big bull run, which could happen at any point between 2025 and 2026.
What is the maximum price limit for XRP?
There is no maximum price that any cryptocurrency is limited by, including XRP. However, some experts believe that it could climb up to the value of $5, $10, or even up to $18, although experts believe that this would require another decade in order to happen.
