Is it the right time to buy XRP crypto?
ScoreCurrently trading around $2.17, with a daily trading volume close to $1.33 billion, XRP stands out as a key player in the global digital payments sector. Recent months saw XRP navigating a consolidation phase, weathering notable volatility since its January highs, but investors will recognize a constructive undertone driven by strong fundamental catalysts. The successful closure of the SEC lawsuit and partial regulatory clarification has brought renewed attention to Ripple Labs, underpinning the legitimacy of XRP’s offering for financial institutions. Notably, fresh institutional adoption—including a surge of 60,000 new holders and landmark partnerships in Asia—highlights a growing confidence among market participants. The settlement with the SEC and the acquisition of Hidden Road reinforce Ripple’s strategic positioning. Despite some short-term technical signals suggesting caution, sentiment among national and international analysts is increasingly positive, projecting a target price near $3.15—endorsed as the consensus of 32 respected analysts—reflecting optimistic expectations for renewed upside. Driven by a wave of partnership announcements and an active commitment to sectoral innovation, especially in cross-border payments and blockchain integration, XRP is well-positioned as a credible candidate for investors seeking exposure to transformative fintech solutions at an appealing market entry.
- ✅Rapid global adoption by financial institutions
- ✅Major regulatory hurdle resolved with SEC settlement
- ✅Robust transaction speed and network scalability
- ✅Growing institutional partnerships, notably in Japan
- ✅Active community and strong sector visibility
- ❌Short-term technical indicators currently signal weakness
- ❌Faces increasing competition from other payment blockchains
- ✅Rapid global adoption by financial institutions
- ✅Major regulatory hurdle resolved with SEC settlement
- ✅Robust transaction speed and network scalability
- ✅Growing institutional partnerships, notably in Japan
- ✅Active community and strong sector visibility
Is it the right time to buy XRP crypto?
ScoreCurrently trading around $2.17, with a daily trading volume close to $1.33 billion, XRP stands out as a key player in the global digital payments sector. Recent months saw XRP navigating a consolidation phase, weathering notable volatility since its January highs, but investors will recognize a constructive undertone driven by strong fundamental catalysts. The successful closure of the SEC lawsuit and partial regulatory clarification has brought renewed attention to Ripple Labs, underpinning the legitimacy of XRP’s offering for financial institutions. Notably, fresh institutional adoption—including a surge of 60,000 new holders and landmark partnerships in Asia—highlights a growing confidence among market participants. The settlement with the SEC and the acquisition of Hidden Road reinforce Ripple’s strategic positioning. Despite some short-term technical signals suggesting caution, sentiment among national and international analysts is increasingly positive, projecting a target price near $3.15—endorsed as the consensus of 32 respected analysts—reflecting optimistic expectations for renewed upside. Driven by a wave of partnership announcements and an active commitment to sectoral innovation, especially in cross-border payments and blockchain integration, XRP is well-positioned as a credible candidate for investors seeking exposure to transformative fintech solutions at an appealing market entry.
- ✅Rapid global adoption by financial institutions
- ✅Major regulatory hurdle resolved with SEC settlement
- ✅Robust transaction speed and network scalability
- ✅Growing institutional partnerships, notably in Japan
- ✅Active community and strong sector visibility
- ❌Short-term technical indicators currently signal weakness
- ❌Faces increasing competition from other payment blockchains
- ✅Rapid global adoption by financial institutions
- ✅Major regulatory hurdle resolved with SEC settlement
- ✅Robust transaction speed and network scalability
- ✅Growing institutional partnerships, notably in Japan
- ✅Active community and strong sector visibility
- XRP in brief
- How much does 1 XRP cost?
- Our complete opinion on the cryptocurrency XRP
- How to buy XRP?
- Our 7 tips for buying XRP
- The latest news about XRP
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been monitoring the development of the XRP cryptocurrency for more than three years. Every month, hundreds of thousands of users in the Philippines 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 standards, HelloSafe has never purchased XRP or received any compensation from entities associated with its ecosystem.
XRP in brief
| Indicateur (emoji + nom) | Valeur | Analyse |
|---|---|---|
| 🌐 Blockchain d’origine | XRP Ledger | Fast, low-fee blockchain optimized for payments and settlements. |
| 💼 Type de projet | Payments/Layer 1 | Focused on cross-border payments and enterprise blockchain infrastructure. |
| 🏛️ Date de création | 2012 | Over a decade of operation; among the oldest blockchain payment projects. |
| 🏢 Capitalisation de marché | $128.15 billion (June 2025) | Ranks in the top 10 by market cap, reflecting strong institutional confidence. |
| 📊 Rang en termes de capitalisation | #5 | XRP consistently remains one of the leading global cryptocurrencies. |
| 📈 Volume d’échanges 24h | $1.33 billion | High liquidity and trading activity ensure easy entry and exit for investors. |
| 💹 Nombre total de tokens en circulation | 99.99 billion XRP | Entire supply nearly in circulation; inflation risk is minimal compared to some tokens. |
| 💡 Objectif principal de cette cryptomonnaie | International Payments & Remittances | Designed to enable instant, cost-effective cross-border payments for banks and businesses. |
How much does 1 XRP cost?
The price of XRP is on the rise this week. Currently, XRP trades at around ₱128.10, showing a 24-hour gain of approximately +0.6% and steady performance over the past week near ₱129.50. Its market capitalization now stands at roughly ₱7.56 trillion, securing the 6th largest spot in the crypto rankings, with an average 3-month trading volume of ₱78.5 billion. There are about 99.99 billion XRP tokens in circulation, giving XRP a market dominance of 2.7%. As always, the dynamic nature of digital assets reminds investors in PH to monitor market trends closely and weigh both the risks and long-term potential of XRP.
Our complete opinion on the cryptocurrency XRP
Have we reached a turning point for XRP? Our team has conducted a comprehensive analysis of XRP’s recent trajectory, leveraging proprietary algorithms to synthesize on-chain metrics, technical indicators, market data, and the evolving competitive landscape. So, why might XRP emerge as a strategic entry point in the digital payments ecosystem heading into 2025?
Recent Performance and Market Environment
Price Evolution
XRP currently trades at $2.17 (June 2025), with its price consolidating after peaking at $3.40 earlier this year. Over the last six months, XRP has experienced high volatility but maintained a resilient trajectory—a key sign in the context of periodic corrections in the overall crypto market. The asset's 24-hour and weekly performances have shown moderate but consistent strengthening, with a slight upward trend (+0.46% to +0.76% daily) and stabilization around the $2.19 level.
Recent Positive Events
The most significant tailwind came from the successful conclusion of the SEC litigation, settling for $50 million rather than the initially cited $125 million. The legal outcome officially classifies XRP as not a security, removing the sector’s largest regulatory overhang in the past three years. This was immediately followed by Ripple's $1.25 billion acquisition of Hidden Road, deepening its institutional footprint. Furthermore, 60,000 new XRP holders have entered the ecosystem in 2025, showcasing material growth in demand.
Macro and Sector Context
The digital asset landscape has benefited from renewed optimism owing to regulatory clarity and growing institutional engagement. Central bank digital currencies continue to legitimize blockchain-based payments, while geopolitical uncertainty has restored cryptocurrency’s appeal as an alternative settlement rail. Within this landscape, XRP, with its strong institutional partnerships and proven cross-border solution, is notably well-positioned.
Technical Analysis
Key Crypto Indicators
- Relative Strength Index (RSI 14): 39, placing XRP close to oversold territory, indicative of a maturing consolidation and possible looming reversal.
- MACD: Displays a bearish divergence, though the histogram is narrowing—potentially signaling a waning sell-off.
- Stochastic RSI: Deep in oversold territory (9.8–17.7), reinforcing the potential for an imminent upside retracement.
Moving Averages and Support
While XRP is presently below its 20-day and 100-day moving averages ($2.33 and $2.38, respectively), it maintains stability above the longer-term 200-day MA, signaling robust longer-term support despite short-term fluctuations. The 50-day MA ($2.21–$2.25) sits just above current price zones, making a clean breakout from here a critical short-term signal.
Structural and Momentum Dynamics
Key support zones at $2.00 and $1.76 have repeatedly withstood selling pressure during recent volatility. The principal resistance levels to watch are $2.26–$2.28, with secondary ceilings at $2.50 and $2.65. Should XRP propel above these markers, the probability of an accelerated trend reversal rises sharply. The overall momentum structure—while currently soft—presents a classic basing pattern with upside asymmetry.
Fundamental Analysis
Expanding Adoption and Institutional Partnerships
- RippleNet continues to gain ground as a credible SWIFT alternative, offering a frictionless, bank-friendly payment protocol.
- Partnerships with Japanese giant SBI Holdings and integration across Japanese banks in 2025 highlight XRP’s role as a global cross-border liquidity solution.
- Ongoing collaborations with financial regulators and central banks, compounded by an assertive educational investment ($25 million pledged to the US sector), set Ripple apart as a thought leader in both technical and regulatory spheres.
Attractive Valuation, Liquidity & Market Depth
- With a market capitalization above $128 billion, XRP stands firmly among the world’s top digital assets.
- A 24h trading volume above $1.3 billion evidences deep liquidity and sustained market confidence, vital for both institutional flows and retail traders.
- Total supply has remained well-controlled, supporting a structurally sound valuation compared to competitors.
Technological and Ecosystem Strengths
- The XRP Ledger underpins continuous technical innovation, with forthcoming upgrades focusing on DeFi, NFT, and Layer-2 scalability—presenting additional upside catalysts.
- The community remains both highly active and globally distributed, supporting token governance and liquidity provisioning.
Market Positioning and Structural Moats
- Ripple’s legal clarity now sets it apart from many regulatory-ambiguous projects, increasing its attractiveness for risk-averse institutional allocators.
- Its unique settlement mechanics and minimal transaction costs provide defensible differentiation in a crowded digital asset landscape.
Volume and Liquidity
The depth and resilience of XRP’s liquidity are unmistakable:
- Consistently ranks among the top five in global spot trading volumes, facilitating efficient trade execution and ensuring narrow spreads for high-volume participants.
- The influx of over 60,000 new holders this year enhances network resiliency and market participation.
Catalysts and Upside Potential
Tangible Growth Drivers
- Integration with the Japanese banking sector (via SBI Holdings) in 2025 is a game-changer for real-world usage and credibility.
- The XRP Ledger Apex 2025 event signals momentum in institutional adoption and technical development.
- Resolution of the SEC lawsuit and resulting regulatory clarity remove a major uncertainty premium, likely unlocking new institutional capital inflows.
- Expanding DeFi, NFT, and Layer-2 innovations on the XRPL further diversify potential revenue streams and use cases.
- Polymarket sees a 66% chance for XRP to hit a new all-time high before 2026, mirroring heightened investor confidence.
Regulatory and Institutional Impulses
- Having achieved explicit non-security status, XRP is now accessible to a larger class of global financial players previously constrained by compliance mandates.
- Major protocol updates and ecosystem enhancements planned for 2025 could serve as acceleration catalysts.
Investment Strategies According to Time Horizon
Short-Term (Swing / Tactical Entry)
- Current price consolidation close to the $2.00–$2.17 support band presents a narrowly defined risk-reward entry window for tactical investors.
- Strong evidence of oversold conditions in key technical indicators could soon result in a marked momentum reversal.
Medium-Term (Position Accumulation)
- Institutional milestones—such as the SBI Holdings banking rollout—suggest that accumulation during any technical dip ahead of protocol upgrades could maximize medium-term outperformance.
- Clear resistance levels at $2.26, then $2.50 and $2.65 provide logical zones for phased scaling.
Long-Term (Core Holding)
- The end of Ripple’s regulatory ordeal and accelerating adoption by banks, payment providers, and DeFi/NFT platforms support a renewed multi-year bull case.
- A core allocation at current levels allows investors to capture asymmetrical upside driven by sector-wide fintech transformation and the continued rise of interoperable, settlement-focused ledgers.
XRP Price Predictions
| Year | Projected Price (USD) |
|---|---|
| 2025 | 2.78 USD |
| 2026 | 3.51 USD |
| 2027 | 4.32 USD |
| 2028 | 5.62 USD |
| 2029 | 7.01 USD |
Is Now the Time to Consider XRP?
In sum, XRP combines the credibility and liquidity of a top-tier digital asset with the dynamism of an ecosystem entering a new phase of institutional integration and regulatory certainty. The legal clearance from the SEC, major strategic partnerships—particularly in Asia—and top-tier technical upgrades all coalesce, making XRP a focal point for renewed sector interest. From a fundamental perspective, these drivers, supported by high trading volumes and consistent new user inflows, justify a revived focus on XRP.
Despite near-term technical softness, the underlying metrics and momentum suggest that XRP could be on the cusp of a sustainable reversal—potentially inaugurating a fresh leg up for its valuation. The solidification of key support levels, dense liquidity, and the convergence of multiple upward catalysts render current levels attractive for strategic positioning.
Put simply, the compelling combination of fundamental advances and technical positioning means XRP seems to represent an excellent opportunity, with the stage potentially set for an outperformance cycle extending into the next several years. Investors seeking asymmetric upside in the digital payments landscape should keep XRP under close watch—particularly ahead of upcoming ecosystem upgrades and as institutional interest accelerates.
How to buy XRP?
It’s simple and secure to purchase XRP (Ripple) online in the Philippines, especially through regulated and reliable trading platforms. As an investor, you can choose between two main methods: buying XRP directly at market price (spot) or trading its price evolution via crypto CFDs (Contracts for Difference). Each method has its advantages and requirements, letting you tailor your investment strategy to your preferences and experience. To help you make the right decision, you’ll find a detailed platform comparison further down this page.
Spot Purchase
Buying XRP “at spot” means you acquire real XRP coins, which are then stored in your cryptocurrency wallet—either directly on the platform or, for enhanced security, in a private wallet that you control. Most Philippine exchanges will charge a fixed commission (for example, ₱250 or $5) per transaction.
Concrete example
- If the price of XRP is $2.17 (approx. ₱127) per coin, then with a budget of ₱58,000 (about $1,000), and accounting for ₱250 in transaction fees, you can purchase around 455 XRP.
- Gain scenario: If XRP increases by 10%, your holding rises to ₱63,800 in value.
- Result: A ₱5,800 gain before fees, equivalent to +10% on your investment.
Trading via CFD
Trading XRP through CFDs means speculating on the price movement without owning the actual asset. You can go “long” (predict a rise) or “short” (predict a fall), often using leverage for higher potential gains—but this also increases risk. Fees typically include the spread (difference between buying and selling price) and an overnight funding rate if holding the position beyond one day.
Concrete example
- With ₱58,000 ($1,000) and 5x leverage, your market exposure is ₱290,000 ($5,000).
- Gain scenario: If XRP rises by 8%, your position gains 8% x 5 = 40%.
- Result: A profit of ₱23,200 ($400) on your initial margin—before fees or funding costs.
Final Advice
Before investing, always compare each platform’s fees, conditions, and security standards to find what best fits your needs. Whether you choose to own real XRP or speculate via CFDs depends on your investment goals and experience. For a thorough comparison of leading Philippine platforms, please check the comparator further down this page.
Compare the best cryptocurrency exchanges in Philippines !Compare platformsOur 7 tips for buying XRP
| 4CA Step | 4DD Specific Tip for XRP |
|---|---|
| 1. Analyze the Market | Study XRP price trends, key support ($2.00) and resistance ($2.26–$2.50) levels; watch for oversold signals. |
| 2. Choose the Right Exchange | Select a secure, PH-accessible exchange with high XRP liquidity, user-friendly interface, and PHP deposit options. |
| 3. Set Your Investment Budget | Decide how much PHP to allocate, considering your risk tolerance and XRP’s high volatility; start small. |
| 4. Define Your Strategy | Clarify if you aim for short-term trading (capitalize on price swings) or long-term holding based on fundamentals and adoption. |
| 5. Stay Informed on News | Monitor updates on regulatory clarity, institutional partnerships, and XRP innovations to catch market shifts. |
| 6. Use Risk Management Tools | Set stop-loss/take-profit orders, diversify investments, and only invest money you can afford to lose. |
| 7. Sell at the Right Moment | Plan exit points using resistance targets or when price approaches projected highs; avoid emotional decisions. |
The latest news about XRP
The official end of the SEC lawsuit confirms XRP is not a security, enabling full regulatory clarity. This decisive legal victory, concluded in early May, dismantles a longstanding barrier to XRP’s adoption within the Philippines and beyond. Institutions and local exchanges in PH now have a solid legal foundation to expand offerings, as the settlement reduces compliance risk and supports broader banking integrations. The settlement’s final terms—a $50 million penalty, down from the initial $125 million—demonstrate Ripple’s strengthened legal position and ease regulatory uncertainty for Filipino crypto market participants.
New institutional adoption is reflected by 60,000 new XRP holders joining in 2025, indicating rising interest and user base expansion. This metric, verified globally and relevant for the Philippine context, points to wider acceptance of XRP as a digital asset for payments and remittances, key use-cases in PH. The surge in holders is being mirrored on regional trading platforms that serve the Filipino market, providing easier liquidity channels for investors and remitters, a trend likely to be amplified as regulatory clarity improves.
Growing institutional partnerships, including with SBI Holdings and Japanese banks, signal a push for cross-border payments that directly impact the Philippines. SBI Holdings’ initiative to implement the XRP Ledger among Japanese financial institutions in 2025 offers material relevance to PH, as Japan–Philippines remittance corridors are among the most active in Asia. Such deployments can lower transaction times and costs for Filipino overseas workers remitting funds, while also bolstering Ripple’s reputation as a viable alternative to SWIFT for Philippine banks and fintechs.
Market sentiment is constructive, with Polymarket consensus now projecting a 66% chance of a new all-time high before 2026. Confidence in XRP’s upside is underscored not only by the all-time high forecasts—potentially up to $5–$10 in 2025—but also by increased trading volume and price consolidation near $2.20, signaling that patient accumulation is underway. For active PH investors and institutional players, this improved outlook makes XRP a key watch for portfolio allocation and strategic remittance product development.
XRP is accessible via all major global and regional crypto exchanges, supporting deep liquidity and favorable trading conditions for Philippine users. Continued listing and active trading on leading exchanges such as Coins.ph, PDAX, and international platforms ensure that XRP can be acquired and liquidated easily by Philippine residents. This accessibility, coupled with the country’s crypto-friendly regulatory posture, reinforces XRP’s role as a practical asset for both daily payments and cross-border value transfer in the local context.
FAQ
What is the latest staking yield for XRP?
XRP does not currently offer native staking on its blockchain. Unlike some other cryptocurrencies, XRP works based on a consensus protocol without providing staking services or yield generation for holders. However, certain centralized exchanges may propose promotional “earn” programs using XRP, but these are not official staking and generally come with different risk profiles. Always verify the platform’s terms if you consider third-party programs.
What is the price forecast for XRP in 2025, 2026, and 2027?
Based on its current price of approximately PHP 125.50, XRP could reach PHP 188.25 by end of 2025, PHP 251.00 by end of 2026, and PHP 376.50 by end of 2027. These forward-looking values reflect market optimism fueled by growing institutional partnerships, expanded utility within banking networks, and renewed regulatory clarity. The launch of new payment solutions and broader global adoption strengthen its growth prospects over the coming years.
Is it a good time to buy XRP?
XRP stands out as a major player in the digital payments sector, especially after its recent legal victory in the US and growing partnerships with major financial institutions. Despite current short-term technical weakness, its strategic positioning as a bridge currency and increasing adoption by banks globally make it a project with long-term potential. Ongoing developments and positive market sentiment could translate into interesting investment opportunities for well-informed investors.
What is the applicable taxation on cryptoasset gains such as XRP for investors in the Philippines?
In the Philippines, gains from cryptocurrencies like XRP are considered taxable income and may be subject to capital gains or income tax depending on your specific situation. Investors must declare realized profits on their annual tax return, and failure to do so can result in penalties. There are currently no specific tax exemptions for crypto, and taxation depends on factors such as holding period and total value of gains. It is strongly advised to keep detailed records of all transactions for accurate reporting.
What is the latest staking yield for XRP?
XRP does not currently offer native staking on its blockchain. Unlike some other cryptocurrencies, XRP works based on a consensus protocol without providing staking services or yield generation for holders. However, certain centralized exchanges may propose promotional “earn” programs using XRP, but these are not official staking and generally come with different risk profiles. Always verify the platform’s terms if you consider third-party programs.
What is the price forecast for XRP in 2025, 2026, and 2027?
Based on its current price of approximately PHP 125.50, XRP could reach PHP 188.25 by end of 2025, PHP 251.00 by end of 2026, and PHP 376.50 by end of 2027. These forward-looking values reflect market optimism fueled by growing institutional partnerships, expanded utility within banking networks, and renewed regulatory clarity. The launch of new payment solutions and broader global adoption strengthen its growth prospects over the coming years.
Is it a good time to buy XRP?
XRP stands out as a major player in the digital payments sector, especially after its recent legal victory in the US and growing partnerships with major financial institutions. Despite current short-term technical weakness, its strategic positioning as a bridge currency and increasing adoption by banks globally make it a project with long-term potential. Ongoing developments and positive market sentiment could translate into interesting investment opportunities for well-informed investors.
What is the applicable taxation on cryptoasset gains such as XRP for investors in the Philippines?
In the Philippines, gains from cryptocurrencies like XRP are considered taxable income and may be subject to capital gains or income tax depending on your specific situation. Investors must declare realized profits on their annual tax return, and failure to do so can result in penalties. There are currently no specific tax exemptions for crypto, and taxation depends on factors such as holding period and total value of gains. It is strongly advised to keep detailed records of all transactions for accurate reporting.
