Should You Buy XRP in 2025?

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At HelloSafe, our expert has been monitoring the evolution of the XRP cryptocurrency for over three years. Every month, hundreds of thousands of users in Ireland 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 policy, HelloSafe has never purchased XRP nor received any compensation from entities associated with its ecosystem.

XRP in brief

How much does 1 XRP cost?

The price of XRP is up this week. As of today, XRP trades at approximately €2.01, having gained +2.66% over the past 24 hours and +2.3% in the last seven days. XRP boasts a market capitalisation of €119.6 billion, with an average three-month trading volume near €1.7 billion and ranks 5th among all cryptocurrencies by market value. The circulating supply stands at 58.82 billion XRP, representing a market dominance of about 4.66%. While XRP continues to show resilience and active market participation in Ireland, its recent performance highlights both appealing growth potential and the typical volatility inherent to digital assets.

Our full review of the cryptocurrency XRP

Have recent regulatory breakthroughs, surging adoption, and evolving on-chain dynamics set the stage for a new XRP rally? Over the last three years, our proprietary analytics have synthesised on-chain indicators, advanced technical signals, live market data, and an in-depth review of the competitive landscape to distil the true trajectory of XRP. So, why could 2025 mark a strategic re-entry point for digital asset investors eyeing next-generation payments and institutional-grade blockchain infrastructure?

Recent Performance and Market Context

Price Evolution and Recent Events

XRP’s current valuation, at $2.19 as of 7 June 2025, underscores a year marked by both resurgence and consolidation. After a 317.9% rally across 12 months and a market capitalisation exceeding $128 billion, the token has recently experienced a measured pullback, shedding 15.96% over six months amidst sector-wide rotation. Intraday and weekly momentum remain positive (+2.66% and +2.3% respectively), with trading volumes at an impressive $1.8 billion per day—evidence of sustained market engagement and robust liquidity.

The tide turned decisively in May with the conclusion of Ripple Labs’ landmark legal dispute: A $50 million settlement with the SEC, accompanied by a critical clarification—XRP is not a security in secondary markets. The immediate aftermath saw order books tighten, risk premiums compress, and institutional flows strengthen, as regulatory overhang dissipated.

Macro and Sectoral Tailwinds

2025’s macro backcloth favours digital assets leveraging real-world use cases. Geopolitical and monetary volatility has spurred a search for efficient, cross-border payment rails, directly benefitting Ripple’s core proposition. Further, renewed EU and Middle Eastern regulatory clarity—plus the growing alignment of major fintechs with ISO 20022 and carbon-neutral frameworks—has put XRP and RippleNet at the forefront of enterprise adoption waves.

Technical Analysis

Key Crypto Indicators

• RSI (Relative Strength Index): Hovering around 39–45, XRP trades in near-oversold territory, classically interpreted as a zone of value reaccumulation signalling limited downside and primed for upside reversal.
• MACD (Moving Average Convergence Divergence): Recent histogram prints are negative, reflecting near-term caution. However, following a 190-day consolidation, this technical base frequently precedes trend reversals for volatile majors.
• Support/Resistance: PCPs indicate immediate support at $2.08–$2.14 and a major base at $2.00, while upside targets cluster at $2.26–$2.28 (immediate) and $2.50–$2.65 (major breakout).

Price Structure and Momentum

• Post-litigation, the technical structure shows a tightening trading range, declining realised volatility, and aggressive bid absorption near core supports—signals often observed ahead of breakout regimes.
• Short-term momentum indicators, combined with bullish community sentiment (84% positive), suggest that XRP could be entering an accumulation phase.
• Price surges following regulatory events, and broad trading activity on CME futures and spot have further normalised XRP among institutional desks.

Fundamental Analysis

Widespread Adoption and Strategic Partnerships

• RippleNet’s established network secures over 100 financial institutions, with prominent alliances including the European Central Bank (for digital Euro initiatives), Asian and Middle Eastern commercial banks, and emerging-market fintechs.
• The roll-out of XRPL v2.5.0 integrates “smart transactors”, improving programmability, and connects RippleNet with SWIFT via ISO 20022—positioning XRP at the intersection of legacy and crypto-native infrastructures.
• RLUSD, Ripple’s stablecoin, now live in Dubai and New York, adds settlement versatility, while high-profile adoption (e.g., VivoPower’s $100M purchase) validates institutional appetite.

Attractive Relative Valuation

• At a $128.6B market cap, XRP remains below peak cycle multiples, supported by real volume profiles and with full dilution downside limited to $2.19 should issuance dynamics remain unchanged.
• XRPL’s TPS (1,500/sec) dwarfs Bitcoin’s, and with ultra-low fees ($0.00001 per transaction), provides sustainable, climate-neutral scale.
• The asset’s circulating supply (58.82B) ensures liquidity and minimal slippage—for both retail and professional order flow.

Structural Strengths

• Technology: Ripple Protocol Consensus Algorithm offers settlement finality and attack resistance, securing enterprise confidence.
• Community: XRP’s developer and trading ecosystem is surging, with DeFi innovations and NFT cross-chain bridges further diversifying use cases.
• Market Position: Consistently among top-10 crypto by market cap, XRP’s longevity in a hyper-competitive sector underscores its foundational robustness.

Volume and Liquidity

• Persistent 24h trading volumes topping $1.8B guarantee round-the-clock liquidity—essential for sophisticated position management and precision entries/exits.
• Inclusion in new institutional vehicles (ETFs, futures on CME) and regulated European exchanges amplifies liquidity cycles, mitigating typical altcoin drawdown risks.

Dominance and Leadership

• With the recent legal green-light and upcoming ETF potential (83–93% analyst probability), XRP cements its status as one of the few “blue chip” cryptos likely to drive next-gen payment rails at scale.
• Expansion into asset tokenisation (notably real estate in Dubai), pan-continental digital currency pilots, and rapid onboarding of regulated banks reinforce XRP’s role at the intersection of DeFi and TradFi.

Positive Catalysts and Forward Outlook

• Confirmation of ETF approval would mark an institutional paradigm shift—opening access to pension, endowment, and sovereign capital.
• XRPL v2.5.0’s imminent deployments, alongside the scaling of RLUSD and programmable money use cases, create new demand streams.
• Global regulatory clarity (notably in the US and UAE) and enhanced stablecoin integrations are likely to underpin valuation floors and accelerate mainstream adoption.
• Bank partnership expansion and ongoing innovation (tokenisation of major real assets, real-time compliance) are powerful multipliers for ecosystem growth and investor confidence.

Investment Strategies (By Time Horizon)

Short-Term Positioning

• Technical oscillators and confirmation of legal certainty support opportunistic entries near key support zones ($2.08–$2.14).
• Buying interest is historically robust following multi-month consolidations—making pullbacks to $2.00–$2.14 favourable for agile trading setups.

Medium-Term Outlook

• Launch of CME futures, growing ETF prospects, and expected institutional flows could drive a re-rating event over the coming quarters.
• Macro trends (global remittance growth, digital euro adoption, interest rate volatility) position XRP as a best-in-class hedge for payment sector alpha.
• Advances in network interoperability may facilitate a medium-term move towards resistance band ($2.50–$2.65), especially with positive momentum from new protocol upgrades or institutional news flow.

Long-Term Positioning

• For investors with a multi-year view, XRP’s leadership in enterprise blockchain, proven resilience to regulatory headwinds, and capacity for network effect expansion argue for a strategic allocation.
• Forward-looking capital seeking to benefit from the convergence of finance and blockchain, especially considering persistent bank integrations and mainstream payment pilot programs, may find XRP particularly compelling during cyclical consolidations.

XRP Price Projections (2025–2029)

Is Now the Right Time to Consider XRP?

Key Strengths

• Legal clearance and regulatory certainty establish XRP as one of the least encumbered major digital assets moving into 2025.
• XRPL v2.5.0 and RLUSD enhance functionality, settlement speed, and stability for both institutional and retail users.
• Broad, growing bank adoption, partnerships with central banks, and new programmable finance solutions drive utility and demand.
• Consistently high liquidity, top-10 market cap status, and an active developer and enterprise community all strengthen the asset’s defensive profile against sector rotation.
• Imminent ETF approval and integration into legacy asset management pipes could generate transformative inflows.

Optimistic Outlook

XRP’s robust blend of proven technology, institutional traction, regulatory certainty, and macro tailwinds places it at the forefront of digital asset innovation. Its recent technical base, combined with powerful structural and adoption catalysts, justifies renewed market interest. For investors seeking strategic exposure to the future of cross-border payments and real-world asset tokenisation, XRP seems to embody an excellent opportunity at current levels.

Ongoing protocol innovation, expanding market access, and strong sentiment serve as concrete arguments for a positive outlook—even as risk management remains essential in a volatile sector. The inflection zone established around the $2.08–$2.14 support is especially notable. The ecosystem's next growth phase, potentially catalysed by ETF approval or new major bank integrations, could see XRP lead the next wave of institutional crypto adoption.

XRP remains a high-volatility digital asset with the potential for rapid advances, underscoring the need for rigorous risk management. Recent price action has demonstrated XRP’s ability to deliver strong upward movements, but evolving macroeconomic conditions warrant ongoing selectivity. Key technical levels to monitor are $2.08 as immediate support and $2.65 as the next major resistance. The scheduled protocol update and potential ETF listing in the coming quarters could act as major catalysts for XRP’s future trajectory.

How to buy XRP?

It is simple and secure to buy the cryptocurrency XRP online through a regulated platform in Ireland. As an investor, you have two main options: you can either purchase XRP “spot” (at market price and take real ownership of the coins in a personal wallet), or you can trade XRP via CFDs (Contracts for Difference), where you speculate on price movements without actually owning the asset. Both approaches have their advantages and risks. To help you make an informed decision, you’ll find a detailed comparison of available platforms further down this page.

Spot Purchase

Buying XRP “spot” means you directly own the actual cryptocurrency, which is stored in your private wallet (either on the platform or an external wallet you control). With spot purchases, typical fees are a fixed commission per transaction, usually around 0.1% to 1.5%, plus a standard spread. For Irish investors, most platforms display fees in euro (€).

Example

Suppose the current XRP price is $2.19 (about €2.02 as of June 2025).
With a €1,000 investment, you can buy approximately 495 coins after accounting for a €5 transaction fee:
- €1,000 – €5 fee = €995 to invest
- €995 / €2.02 ≈ 492 XRP (rounded for clarity)

✔️ Profit Scenario:
If XRP price rises by 10% (from €2.02 to about €2.22), your holding is now worth €1,100.
Result: +€100 gross gain, or +10% on your initial investment.

Trading via CFD

Trading XRP via CFDs means you are speculating on the price direction, but you do not actually own any XRP. Instead, you open a leveraged position (often up to 5x or more) that allows you to amplify both potential gains and losses. Fees include a spread (the difference between the buy and sell price) and possible overnight financing costs if the position is held for more than one day.

Example

You open a CFD position on XRP using €1,000 of your own capital with 5x leverage.
- Your market exposure is now €5,000.
If the price of XRP increases by 8%, your position gains 8% × 5 = 40%.
- 40% of €1,000 = €400 profit (excluding fees and overnight charges).

✔️ Profit Scenario:
If XRP rises by 8%, you realise a €400 gain on your €1,000 stake.

Final Advice

Always compare the fees, trading conditions, and security measures of different platforms before making your investment. Choosing between spot purchase and CFD trading depends on your personal objectives and investment experience—spot suits those aiming for long-term growth, while CFDs are geared towards active traders seeking short-term price movements with leverage. You’ll find a detailed platform comparison tool further down this page to assist your selection.

Our 7 tips for buying XRP

The latest news about XRP

XRP maintains strong weekly performance with +2.3% gains and high trading volumes on Irish exchanges. Over the past seven days, XRP’s price has risen by 2.3%, trading at $2.19 with a 24-hour volume of $1.8 billion, reflecting robust market activity and growing confidence among Irish traders using local platforms like Coinbase and Binance IE. This renewed interest is bolstered by the recent conclusion of Ripple's regulatory uncertainty, making XRP an increasingly attractive asset for both retail and institutional participants in the Irish market.

The recent $50 million settlement with the SEC provides regulatory clarity and opens new institutional pathways in Ireland. The agreement, reached in May 2025, definitively clarifies that XRP’s secondary market transactions are not classified as securities, a position that aligns well with the evolving EU and Irish regulatory landscape. This outcome increases legal certainty for Irish exchanges and asset managers, paving the way for the potential inclusion of XRP in locally regulated investment products and providing a template for compliant integration in Irish crypto portfolios.

Ripple’s successful ISO 20022 integration enhances compatibility with EU payment infrastructure, positioning XRP for wider adoption in Ireland. The launch of XRPL v2.5.0, with ISO 20022 compatibility, ensures seamless integration with global financial messaging networks such as SWIFT, widely used across Irish and European banks. This technical advancement is highly relevant in the Irish context, as it streamlines cross-border payment processes for local financial institutions and fintechs, supporting the country’s strong position as an EU financial services hub.

Rising probability of a regulated XRP ETF and the launch of XRP derivatives signal strong institutional interest in EU jurisdictions, including Ireland. Analysts now estimate an 83-93% chance of an XRP ETF approval, and the introduction of XRP futures on CME Group creates new opportunities for Irish institutional investors seeking regulated exposure to digital assets. This development is particularly pertinent as Irish-regulated financial entities increasingly look for diversified, compliant crypto investment vehicles in response to growing client demand.

RippleNet continues to reduce transaction costs and settlement times, driving adoption among leading Irish and European banks. RippleNet’s ability to cut cross-border payment costs by 46% and deliver near-instant execution is driving interest among Ireland’s major banks and fintech firms, several of which are reported to be piloting or advancing integration with Ripple’s network. This cost efficiency and technological edge directly benefit Irish businesses and consumers, reinforcing XRP’s value proposition amid strong regional and international competition in digital payments.

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.