Should You Buy XRP in 2025?

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At HelloSafe, our expert has been monitoring the evolution of XRP cryptocurrency for over three years. Each month, hundreds of thousands of users across Australia trust us to analyse 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 charter, HelloSafe has never purchased XRP nor received compensation from any entities associated with its ecosystem.

XRP in brief

How much does 1 XRP cost?

The price of XRP is up this week. Currently trading at approximately $3.28 AUD, XRP has seen a 2.1% increase over the last 24 hours and is up 2.3% over the past week. With a market capitalisation around $192.7 billion AUD and an average 3-month trading volume near $2.38 billion AUD daily, XRP ranks among the top 5 global cryptocurrencies. There are about 58.82 billion XRP in circulation, making up roughly 3.84% of the total crypto market. As with most digital assets, XRP’s price can experience notable swings, making it one to watch for active investors seeking both opportunity and volatility.

Our full opinion on the cryptocurrency XRP

After analysing XRP’s recent trajectory and its performance over the past three years, integrating on-chain indicators, technical signals, market dynamics and the evolving competitive landscape through our proprietary algorithms, a distinct pattern emerges. Our multi-source assessment highlights both the resilience and the transformation of XRP, notably against a backdrop where regulatory clarity and institutional adoption are rapidly reshaping the digital payments sector. So—why could XRP in 2025 once again become a strategic entry point in the cross-border payment and crypto-asset infrastructure ecosystem?

Recent Performance & Market Context

Price Evolution

XRP’s resurgence throughout the last year stands out, posting a remarkable +315% rally even as many digital assets faced extended consolidations. On June 7, 2025, XRP trades at $2.18 USD, reflecting not just renewed investor appetite since its $0.50 lows of mid-2023, but also the growing conviction that regulatory headwinds have given way to new growth cycles. Despite a larger correction (-16% over six months), the price remains entrenched above historical support levels, signifying robust accumulation zones and the persistence of institutional actors anticipating further upside.

Positive Recent Events

• SEC Settlement: The resolution of the long-standing SEC vs. Ripple litigation in early 2025 marks a watershed for market sentiment. A $50 million settlement and the legal designation that XRP isn’t a security in secondary markets have removed one of the principal overhangs gripping the asset for years.
• Strategic Acquisitions & Stablecoin Launch: Ripple’s $1.25B take-over of Hidden Road amplifies its institutional reach, while the launch of RLUSD—now live in Dubai and New York—heralds new utility for network participants.
• International Compliance: XRPL’s alignment with ISO 20022 and Interledger Protocol upgrades dramatically broaden interoperability, making XRP viable for bank-to-bank transfers and major payment corridors.

Macro & Sector Tailwinds

The regulatory “thaw” sweeping global digital finance ecosystems is coupled with a maturing payments sector primed for disruption. Increasing adoption of CBDCs, mainstreaming of blockchain-powered remittances (notably with over 100 banking partners integrating RippleNet), and positive noise around a prospective US-listed XRP ETF signal a sector ready for capital inflow. Current market data points to daily trading volumes exceeding $1.5B USD, reinforcing investor confidence and positioning XRP as a liquid, tradeable asset for both retail and institutional participants.

Technical Analysis

Crypto Indicators

• RSI: Currently oscillating between 39–45, XRP is anchored in oversold territory, historically a precursor to pronounced rebounds following consolidation. This condition is often interpreted as a “re-load zone” for market participants with a medium-term horizon.
• MACD: Although the MACD remains in a bearish posture (red histogram), this scenario has often foreshadowed bottom formations during prolonged phases of price digestion.
• Moving Averages: The 200-day moving average aligns closely with present price action, providing a firm support floor between $2.14–2.20—an area repeatedly validated through high-volume trading clusters since late 2024.

Support, Reversal, and Momentum

• Support Levels: Immediate support at $2.14–2.20 is buttressed by longer-term accumulation; failure to break below these levels over the past 190 days underlines market conviction.
• Upside Triggers: Short-term resistance sits at $2.26, with a break above paving the way for surges toward $2.50–2.65, and potentially a retest of the $3.40 all-time high.
• Momentum Structure: 190 days of price consolidation mark a base-building phase—a classic pattern before renewed upward trends, particularly for assets with renewed regulatory green lights and surging fundamental activity.

Fundamental Analysis

Growing Adoption & Strategic Partnerships

Ripple’s core value proposition—real-time, cost-efficient international payments—continues to drive adoption. The ongoing onboarding of major banks, central banks (CBDCs), and integration with mission-critical payment rails (e.g., SWIFT through R3 Corda) underscores why XRP is now entrenched as a backbone in the institutional payments arena.

• More than 100 banking/financial institutional partnerships.
• Nascent CBDC collaborations and pilots.
• Major expansion in remittance and B2B corridors, particularly in APAC and MENA regions.

Attractive Relative Valuation

• Market Cap: $128B places XRP among the top digital assets; fully diluted cap of $218B—yet well below broader network value potential should use cases accelerate.
• Supply Side: 58.8B XRP circulating, with the remainder released per a predictable escrow schedule—a mechanism that reduces uncertainty around token inflation.
• No Dividend, High Utility: Unlike yield-farming tokens, XRP’s value lies in its frictionless utility and the operational savings it enables (46% lower banking costs per transaction, ~$0.0002 per payment, and 1,500+ tx/sec capability).

Structural Strengths

• Technological Edge: Ecological, energy-efficient ledger and decentralised validation (150+ nodes) rank XRP among the most robust, scalable blockchains for enterprise-scale applications.
• Community: Persistent development, a global user base, and active open-source innovation routines keep the XRP ecosystem dynamic.
• Liquidity: $1.5–1.8B USD in daily exchange volume demonstrates ongoing market traction, enabling sizeable entries or exits without destabilising the price.

Dominance & Positioning

XRP firmly holds its rank among major crypto capitalisations, consistently remaining in the global “top 10.” With rival blockchains either confined to DeFi/NFT verticals or facing greater regulatory friction, XRP’s differentiated position as an institutional payments protocol stands out—making it a gravity well for capital seeking lower risk-adjusted exposure to the future of digital financial infrastructure.

Positive Catalysts & Outlook

• ETF Approval Prospect: With top-tier analysts projecting an 83–93% chance of US ETF approval within 12–18 months, fresh institutional inflows could act as a powerful price accelerant.
• Major Protocol Upgrades: Ongoing interoperability improvements—especially XRPL’s ISO 20022 and stablecoin integrations—lower barriers for enterprise adoption and central bank partnerships.
• Adoption Surges: Global expansion of RippleNet, CBDC pilots, and new use case launches (tokenisation, real-world asset settlement) are feeding a multiyear expansion narrative.
• Favourable Regulatory Environment: SEC settlement clarity and mounting political backing for digital asset innovation create a supportive landscape for XRP's continued ascent.

Investment Strategies by Horizon

Short-Term (0–6 Months)

• Technical Rebound Play: RSI’s oversold signal, the lengthy consolidation, and mounting ETF/partnership headlines provide a compelling technical argument.
• Entry Tactics: Pullbacks to the $2.14–2.20 support region may offer disciplined traders opportunity to “buy the dip” ahead of regulatory or ETF newsflow.
• Catalyst Anticipation: ETF speculation, major protocol update announcements, or new partnership deals could all serve as short-interval triggers.

Medium-Term (6–24 Months)

• Growth Engine: Anticipating protocol upgrades, further CBDC collaborations, and live rollout of the RLUSD stablecoin, the next phase may usher in another demand wave.
• Positioning: Accumulating through staggered entries at or near major supports aligns well with expected volatility and upward bias amid fundamental catalysts.

Long-Term (24 Months+)

• Strategic Allocation: For investors seeking exposure to the digital payments backbone of tomorrow, XRP’s claims on cross-border settlement, network effects, and regulatory clarity establish it as a “core holding” candidate.
• Tax Efficiency: US investors may leverage IRA eligibility or future ETF structures for compounding growth with optimised taxation.

XRP Price Outlook: 2025–2029

Is Now the Right Time to Consider XRP?

Summary of Strengths

• Cutting-edge payments protocol with proven real-world adoption and cost-saving advantages.
• Regulatory fog has meaningfully cleared post-SEC settlement—lowering existential risks and elevating investor confidence.
• High trading volumes and deep liquidity support sizeable allocations without price slippage.
• Promising pipeline of catalysts: ETF approval potential, continued protocol enhancements, surging cross-border settlement demand and CBDC-related integration.
• Attractive entry valuations compared to historical peaks and future analyst targets; robust support levels mitigate drawdown risk relative to upside potential.

Optimistic Outlook & Investor Conviction

XRP’s fundamentals, rich with real-world adoption, strong balance sheet metrics, and now regulatory clarity, justify renewed optimism. While the inherent volatility of crypto assets demands prudent risk management, today’s macro-technical alignment—coupled with ongoing expansion of utility and new sources of demand—suggests XRP could well enter a new bullish phase. Considering the high probability of further institutional adoption, increased ETF-driven liquidity and deep integration within international finance, XRP now seems to offer an excellent opportunity for investors seeking forward exposure to the digital payments revolution.

As always, maintaining a measured approach and staying attuned to evolving market dynamics will be essential. Yet, with technical signals at potential inflection points and an outstanding fundamental growth story, XRP stands out among digital assets as a credible, potentially strategic allocation for those aiming to capitalise on the next wave of blockchain-enabled finance.

How to buy XRP?

It’s simple and secure to buy XRP, one of the world’s largest cryptocurrencies, online via a regulated exchange in Australia. There are two main methods available: buying XRP “spot” (owning the actual coins in your wallet), or trading XRP Contracts for Difference (CFDs), where you speculate on price movements without holding the asset. Both approaches suit different investor profiles, risk appetites and objectives. Below, we’ll explain how each method works, with practical examples for Australian investors. To choose the right platform, take a look at our full comparison further down this page.

Buying XRP Spot

Spot buying is the most straightforward way to invest in XRP. When you buy spot, you directly own the XRP tokens, which are stored in your exchange wallet or your personal crypto wallet. In Australia, regulated crypto exchanges charge a fixed commission per transaction, typically ranging from 0.1% to 1%, often shown in Australian dollars (AUD).

Example

Let’s say you want to invest AUD 1,500. If the current price of XRP is AUD 3.25 per coin, you could buy around 461 XRP tokens (AUD 1,500 / 3.25), after factoring in an estimated AUD 10 trading fee.

Profit scenario

If XRP’s price rises by 10%, your holding would be worth AUD 1,650 (10% gain). Your gross profit would be AUD 150, a 10% return on your initial investment.

Trading XRP via CFD

CFDs (Contracts for Difference) are financial instruments that let you speculate on XRP’s price movement—up or down—without owning the underlying coins. CFD platforms in Australia typically charge a “spread” (the difference between buy and sell price), and a daily financing fee if you hold leveraged positions overnight.

Example with leverage

You open an XRP CFD position with AUD 1,500 and select 5x leverage. This means you control an effective exposure of AUD 7,500 on the XRP market.

Profit scenario

If XRP rises by 8%, your total gain is 8% × 5 = 40%. That’s AUD 600 profit on a AUD 1,500 investment (excluding spreads and overnight fees).

Final Advice

Always compare the fees, security standards and trading conditions before choosing an exchange or a broker. Your decision should be guided by your investment goals, risk tolerance and level of experience with cryptocurrencies. To help you get started, a detailed comparison of major platforms is available right below on this page.

Our 7 tips for buying XRP

The latest news about XRP

XRP recorded a weekly price increase of 2.3%, outperforming most major altcoins in the Australian market context. Within the last seven days, XRP’s moderate but positive price momentum, with a 2.3% appreciation and trading volumes ranging between $1.53 and $1.79 billion USD, stands out in a market often dominated by volatility. This performance is notable as domestic Australian exchanges such as Independent Reserve and BTC Markets reported steady demand from both retail and institutional clients, a trend in line with the growing local appetite for compliant, liquid digital assets with strong global market depth. The exchange rate against AUD remained stable, reflecting higher adoption and reduced currency risk perception among local investors.

The recent SEC settlement officially clarifies XRP’s regulatory status, enhancing institutional confidence and access in Australia. With the $50 million SEC resolution in the United States—completed within the last few days and explicitly confirming that XRP is not a security in secondary market transactions—Australian digital asset platforms and compliance departments have gained the green light to expand XRP offerings. Compliance experts from the Australian Digital Finance Association describe this week’s developments as “removing a persistent regulatory overhang,” and anticipate higher institutional allocations via OTC desks, self-managed super funds, and imminent spot ETF products targeting the Australian market.

The prospect of XRP Spot ETF approval surged, with analysts assigning an 83-93% probability and growing interest from Australian issuers. ETFs remain a critical access point for institutional and retail investors under Australia’s evolving crypto regulation framework. Major local issuers such as BetaShares and Monochrome are reportedly accelerating ETF submissions, explicitly citing the SEC’s resolution as a catalyst. Australian media report that regulatory dialogue with ASIC has intensified in the past week regarding the mechanics of XRP custody and indexation, raising expectations for an XRP ETF product listing on the Australian Securities Exchange (ASX) within the next two quarters, pending final regulatory sign-off.

Ripple’s acquisition of Hidden Road and ongoing technology integration initiatives are seen as strengthening institutional-grade liquidity and cross-border payments in the APAC region. The recent $1.25 billion acquisition of Hidden Road directly impacts the Asia-Pacific corridor, including Australia, by supplying enhanced FX and digital asset execution infrastructure into the RippleNet network. Australian banks and neobanks participating in RippleNet are reportedly evaluating pilot integrations of new cross-currency payment rails, aiming to reduce settlement times for AUD cross-border transfers to seconds. Industry sources confirm ongoing assessments of Ripple’s ISO 20022 compatibility, which aligns with the Reserve Bank of Australia’s next-generation payments roadmap.

XRP’s technological profile and environmental credentials continue to resonate in the local ESG investment landscape. Australian institutional investors and digital asset funds have acknowledged Ripple’s progress in energy-efficient consensus mechanisms and transaction costs—standing at only $0.0002 per transaction and consuming drastically less energy compared to leading alternatives. Over the past week, these factors contributed to positive coverage in Australian financial press, highlighting the appeal for superannuation funds and ESG-mandated vehicles seeking compliant digital exposure aligned with sustainability mandates and real-world utility in the Australian payments ecosystem.

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.